This year there have been atrifecta of government announcements regarding benefits programsdesigned specifically to help small business. They essentiallyloosen the regulatory reins on existing, proven programs. (Photo:Shutterstock)

Small business is the backbone of the U.S. economy, with oversix million businesses representing 60 million employees. Yetsmall businesses have the most challenging pathto providing benefits for their employees.

High costs, inefficient management systems, and governmentregulation have all presented obstacles that have left the majorityof U.S. small business workers without employer-sponsoredbenefits.

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