Although often underestimated by benefit professionals, savvyadvisors (i.e., brokers and agents) recognize the big potentialwithin the small case (99 or fewer employees) market. This segmentaccounts for 98 percent of all private U.S. businesses and employsone-third of the nation's private workforce.

Insurance benefits have become increasingly available atsmall businesses since 2012. This trendcoincides with an improved business climate for small employers.Three in 10 of these firms say that they are expanding, up from 19percent expressing similar optimism six years earlier.

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