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One of the biggest challenges small employers face with their benefits is health insurance, and specifically the rising costs associated with them.

Modern employee benefit offerings play a critical role in recruiting and retention. A recent survey from MetLife found that 73 percent of employees said customized benefits increase loyalty to their employer.

However, small businesses can struggle to offer the same quality and quantity of benefits that larger employers do, which makes competing for top talent and retaining high-performing employees more challenging.

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