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According to the U.S. Census Bureau’s Statistics of U.S. Businesses Employment and Payroll Summary: 2012 (released February 2015), small businesses employ more than 39 million people. Based on MetLife estimates, about half of today’s 4 million small business employers in the U.S. offer employee benefits.

Like their larger counterparts, businesses with 100 employees or less struggle to attract and keep employees. The challenge of balancing cost concerns with employee needs falls on companies of all sizes, but is much more daunting to small business owners.

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