Don't let the word "small" mislead you — there's nothing small about them. Their numbers are big, they're growing and they serve as the lifeblood of the U.S. economy. And, most importantly, they need your help.

Yes, I'm talking about small businesses with fewer than 100 employees. According to LIMRA, they make up about 98 percent of all employers. And, according to Moody's, with more than 5.6 million small businesses employing over 64 million people, they encompass 55 percent of the working population. That's big. 

The struggle with most small businesses is that they have limited or no human resource staff to help evaluate benefit options for their employees. And, because many of them don't currently offer employee benefits, that translates into an untapped market for you.

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