Any 401(k) plan sponsor in America repeat any can buy market returns dirt cheap.

Thirty-six percent of respondents said now is a "good time" to find a "quality job" in December, up six percentage points from last month.

Employees who work at small, locally-owned businesses have the highest level of loyalty to their employees, according to researchers at Baylor University. In addition, for rural workers, size and ownership of their company figure even more into their commitment than does job satisfaction.

What can businesses expect in the first year of the employer mandate?