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I was talking to a broker the other day about pre-taxing benefits in a small business and he said, “It isn’t 1998 anymore. Pre-tax isn’t a big deal these days.” It sounds weird to say aloud, but I think he’s right. If you have less than 50 employees (and 96 percent of businesses in the U.S. do), you’re more concerned with benefits paperwork and administration than tax savings.

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