This year there have been a trifecta of government announcements regarding benefits programs designed specifically to help small business. They essentially loosen the regulatory reins on existing, proven programs. (Photo: Shutterstock)

Small business is the backbone of the U.S. economy, with over six million businesses representing 60 million employees. Yet small businesses have the most challenging path to providing benefits for their employees.

High costs, inefficient management systems, and government regulation have all presented obstacles that have left the majority of U.S. small business workers without employer-sponsored benefits.

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