If ever there sprouted a seed of doubt, let it shrivel up and die. Before you jot down "career change" on your list of New Year's resolutions (which you won't keep anyway), consider this: benefits still rule.

In fact, after that old-fashioned paycheck, health insurance remains the single-most important – and effective – incentive small businesses use to recruit and keep employees.

But, don't take my word for it. Look at the numbers in the latest annual employer survey published earlier this month by the National Association of Professional Employer Organizations.

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