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B2B research firm Clutch reports that while paid vacation time (65 percent) and health insurance (62 percent) are the most commonly offered benefits, 55 percent of employees say that health insurance is the most important to them. (Photo: Shutterstock)

While 23 percent of full-time employees have no benefits—no health insurance, retirement savings or paid vacation—a new survey finds that it’s to the employer’s advantage, even for small businesses, to offer benefits in the quest to attract top talent and keep their good employees from jumping ship.

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