About 28 million small businesses in the U.S. have fewer than 500 employees, and small businesses make up more than 99 percent of U.S. employer firms,  according to the Small Business Administration Office of Advocacy.

When it comes to employee benefits, because these employers are considered small, it might be easier to provide them with a smaller, limited set of choices.

But, the truth is, these small employers want the same flexibility and options large employers have, and at a competitive price.  

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