Oct 18
The Benefits that Matter Most to Employees
The most effective benefits packages, the ones that get employers the most bang for their buck are those that are customized to the values and priorities of your employees. But everyone needs a place to start. A recent article from Benefits Pro highlights some of the benefits that most employees value to give you a baseline to start considering the effectiveness of your benefits package. Health insurance: Health insurance is still something that many employees seek out from employers. The Marketplace and ACA haven’t changed that. Next to health, employees also value dental and vision plans as well as savings…
Oct 23
Small Business Employee Benefits Trends in 2015
One request we receive often from the small business owners we work with is access to information about what other companies are doing, particularly what benefits are being offered by other employers. The National Compensation Survey is conducted each year by the Bureau of Labor Statistics and provides some insight into what types of benefits are offered to employees at small businesses around the country. The most recent data was released in March 2015 and offers some information that could be helpful as small business owners consider their benefits and total compensation strategies. For the purpose of this research we…
Oct 5
The Best Benefits Package to Attract Top Millennial Talent
We often hear from small business owners that attracting and retaining great employees is one of the biggest challenges they face. By the year 2020, Millennials will make up almost half (46%) of the workforce, which means that it is vital that small business leaders learn what these employees expect in order to successfully compete for the best employee talent. A recent article from BenefitsPro highlights five things that Millennials want with regard to benefits. Choice and Variety: Millennials appreciate choice in their benefits package and may be turned off by a one-size-fits-all benefits package.  Offering multiple health plan options…
Sep 11
Attracting Top Employee Talent in a Competitive Job Market
Since the economy rebounded and unemployment rates returned to low level, small business owners have struggled with how to attract the top talent they need to take their company to the next level. In Utah with a 3.4 % unemployment rate and an influx of large corporations moving into the state, small businesses have to find new ways to bring in the best job candidates. Here are some suggestions from an article in US News and World Report, to bring in the best of the best when you are recruiting for an open position. 1- Have clear, easy to understand…
Aug 7
3 Reasons PEOs Make Sense for Small Businesses
When an individual decides to start a business it is because they love what they do. They have a passion for their industry that drives them to put in the time and resources to build a company of their own. What most small business owners don’t have a passion for is all of the pieces that come along with hiring employees. Finding and keeping great employees is necessary for any business that wants to grow and succeed. But many small business owners struggle to find the time to focus on the growth of their employees and their business. That is where…
Jul 29
Employees with Flexible Schedules Actually Work More
Have you ever wondered what would happen if you let your employees set their own schedules? I’m sure for many business owners the idea sets off alarm bells in their heads. But consider for a moment how important it is that all of your employees are in the office from 8:00am-5:00pm Monday through Friday. Could one of your employees get the same job done 7:30am-5:30pm four days a week and 8:00am-12:00pm the other day? A recent article in Inc. begs that very question. It focuses on research done by three European professors that suggests that employees who have more control…
Jul 15
Small Businesses Confused about ACA Tax Reporting Requirements
A Plus Benefits recognizes the amount of uncertainty surrounding the Affordable Care Act (ACA) for small business owners and we remain committed to helping our clients better understand and comply with any necessary requirements. As you may have heard, a recent Supreme Court ruling upheld the ACA in its current form, which means that certain requirements put into place when it was originally signed into law in 2010 are now set to move forward. One main area of confusion surrounds IRS Code Section 6056, often referred to as the employer shared responsibility reporting. When the news came out last fall…
Jun 12
5 Ways to Keep Employees Happy and Productive
If you took a poll of your employees today on whether they would like to work someone where fun or somewhere boring, there is no doubt that close to 100% would respond “fun.” Individuals spend almost 1/3 of their waking hours at work, so why wouldn’t they want to enjoy at least some of that time? I don’t doubt that most business owners would like their organizations to be considered fun, but also understand that maintaining productivity is vital. This is especially true for small businesses who are always trying to do more with fewer resources. A recent article in…
May 11
Consumer Driven Health Plans Gaining Popularity: What You Need to Know
The last few years have led to many changes in the health insurance industry. In addition to the changes mandated by the Affordable Care Act, a certain type of health plan has continued to gain popularity. These plans are called Consumer Driven Health Plans (CDHP) or High Deductible Health Plans (HDHP). The plans are different than traditional plans because they focus on offering lower premiums, due to higher deductibles and the elimination of co-pays. With these plans, most covered expenses (other than wellness) must be paid for by the employee until they reach their deductible. The plans are also HSA…
May 1
Top Five Contributors to Satisfied and Engaged Employees May Surprise You
Recent research conducted by the Society for Human Resource Management (SHRM) explains what it takes to keep employees satisfied and engaged, and the results may surprise you. The top five contributors to employee satisfaction in 2014 were: Respectful treatment of all employees at all levels Trust between employees and senior management Benefits Compensation/pay (overall) Job security Perhaps the most interesting piece of this research for small business owners is that the top two contributors to employee satisfaction do not cost the company any money to provide. It isn’t always about bigger salaries or more extensive benefits. Also interesting is the…
Apr 10
Making Workplace Flexibility Work for You
Many small business owners cringe at the words “workplace flexibility.” Most probably assume that this means telecommuting or employees working from home. And often the assumption is that workplace flexibility is not something that will work for their company or their industry. But statistics show that workplace flexibility is important to employees and still not widely available. Four out of five employees says that flexibility is very important when considering a new job, but less than one in four have access to a flexible working arrangement. The key to making workplace flexibility a possibility in your organization is changing the…
Mar 18
Four Things We Can Learn about Culture from the 100 Best Companies to Work For
As a small business owner you may be considering what you can do to make your company stand out against your competitors when competing for top talent. Small businesses are at a disadvantage because they often lack the resources to offer many of the perks that larger business can afford due to their size. But attracting great employees is not all about a large salary and expensive perks. One thing that the 100 Best Companies to Work For (like Google, SAS, The Container Store, and Twitter) all focus on is having a great company culture. A recent article in Fortune,…
Mar 13
Employee Perks are About More Than Getting Something for Free
You may be surprised to know that the companies that reach the top of the “best companies to work for” lists are not there because of their outrageous perks While companies like Google offer perks such as free food in the cafeteria, the free food alone is not going to attract and retain the key people they need. The strategy behind the perk and the way the perk is designed is what makes the difference. A recent article in Fortune highlights just what it is that makes a company “great to work for” and it’s all about relationships, not perks.…
Feb 27
Five Ways to Bring Positivity into the Workplace
It is often said that a good attitude is more valuable than skills or experience when it comes to finding great employees. And when it comes to employee satisfaction and engagement, having a positive working environment is absolutely crucial. A recent article in Inc. providing five sure-fire tools for achieving a positive attitude got us thinking. After reading this we wondered how this could apply to the workplace, to make sure that we are creating an environment where employees can embrace positivity. Here are our ideas: Start your day on a positive note- What can you do to start your…
Feb 25
Employee Rewards Don’t Have to Be Expensive
We know that small business owners care about their employees and want to show them appreciation for all that they do. Not only that, employee recognition is also the best way to keep employees both motivated and loyal. But reading news stories or hearing anecdotes about outrageous perks like on-site fitness centers, unlimited vacation time and cash bonuses offered by bigger companies often make small business owners feel like there is no way they can offer the kinds rewards that will matter to their employees. The good news is the old adage “It’s the thought that counts,” really does apply…
Feb 23
Employee Development Strategies for Increased Employee Engagement
Providing growth and development opportunities is one way that small businesses can increase employee engagement, satisfaction and retention. But what kinds of opportunities will make the biggest impact for your employees? A recent article in Inc. gives seven ideas for ways to improve employee development at your organization: Stretch assignments and projects- Are there any upcoming special-assignments that could allow an employee to work with a new group of peers? One idea some companies use is to put together teams of employees to develop solutions to existing problems or to suggest new products and services. You might be surprised by…
Feb 16
What Do Employees Really Want With Regard to Employee Engagement
When it comes to employee engagement all of the perks in the world mean nothing if you don’t have the company culture to support your engagement efforts. So if money and perks aren’t really what motivates employees, what should companies be doing? What is more important (and frankly less expensive) than a free pizza lunch or an annual bonus check are some “free” intrinsic rewards that make employees feel empowered. Here are some ideas of what employees really want from a recent article in TLNT to help give companies ideas of where they can begin: Personal growth- Employees value personal…
Feb 11
Showing Employees You Care is a Worthwhile Investment
There is no question that employee engagement efforts require an investment of both time and money. This may be one of the reasons some companies are hesitant to make employee engagement a priority. But the truth is, not making employee engagement a part of your company culture and business strategy can cost you. According to Gallup’s State of the American Workplace report, disengaged employees cost American companies at least $450 billion dollars each year. If that’s not enough to get you to consider a change, a recent article in Entrepreneur highlights three other ways that employee engagement actually improved your…
Feb 4
Increasing Employee Engagement Throughout the Employee Life Cycle
There have been a lot of conversations recently about employee engagement in the news, among HR circles, and even on our blog. According to Gallup research, only 18% of American workers are actively engaged and the cost to the country is over $400 billion dollars each year. But, employee engagement is not something that you can focus on for only a month and it is not something that will change overnight. According to a report by SAP, “Achieving the goal of a more engaged, productive workforce doesn’t just make employees happier, it also produces better business results. Top performing companies…
Jan 26
Giving Back Has Many Rewards for Employers
If one of your goals for 2015 is to increase employee engagement, you might consider adding volunteer opportunities for employees. According to research by the Dale Carnegie and MW Research, 54% of employees who are proud of their company’s contributions to society are engaged. This is really a win-win for business, employees and communities. A recent article in Entrepreneur gives advice on 5 things to consider if you are going to start volunteering. This advice applies to both individual volunteering but can also be applied to companies considering starting corporate volunteer programs. 1- Decide what you want to get out…
Dec 19
Trends in Holiday Time Off, Parties, and Bonuses
The recently released findings from Bloomberg BNA's 2014 Year-End Holiday Practices Survey give insight into what organizations around the country are doing for their employees this year. Here are some of the trends: Because both Christmas Day and New Year’s Day fall on Thursdays this year, 61% of employees will be receiving three or more paid days off this holiday season. That is up from 52% in 2013 and 2014 when the holidays fell on Wednesdays. Office holiday parties are popular with 77% of companies holding a holiday social event for employees. This year, 43% of employers will award gifts…
Dec 15
Keeping Employees Engaged in 2015
Do you know what keeps your employees motivated? If you are facing high turnover, employee apathy, and other employee engagement issues, it may be time to revisit this.  A recent article in Inc. gives some real world examples of companies that worked to find out what they needed to do to solve their employee engagement problems. And none of them involved expensive ideas or lavish perks. Here is a summary of the new rules of employee engagement: Rule #1- Don’t Sweat Anonymous Reviews I assume every business over has searched on Glassdoor.com to see what former employee and employees are…
Dec 12
Investing in Your Employees is Good for Business
As business owners consider their goals for 2015, one area that many companies may need to focus on is their employees. David Hassell, founder a CEO of 15Five, the leading Web-based employee feedback and alignment solution was recently interviewed by Inc. regarding his views on how investing in employees lead to company success. Hire People Who Fit According to Hassell, a good place to start for 205 is with company culture and values. As a startup company, 15Five focused on hiring people that “felt right.” This may seem like a small thing, but ensuring that you are hiring people who…
Dec 10
Creating the Best Environment for Satisfied and Productive Employees
Employees today are not just a number, a name tag or a paycheck and employers that view them that way will quickly find out through costly turnover that something needs to change. A research study done by the Harvard Business Review and a company called The Energy Project had found one way to create an environment that nurtures satisfied and productive employees. The study found that in order for employee to be happy and productive, their core needs must be met. These needs include physical, emotional, mental and spiritual. Physical- In order to meet your employee‘s physical needs, they must…
Dec 4
Getting Creative with Holiday Parties
Holiday parties can be a great way to get employees together and let them know how much you appreciate them. But you don’t have to have a “typical office holiday party.” Get creative and choose something that matches your company culture. A recent article in US News and World Report gave some great ideas: Do breakfast, lunch or brunch- I love the idea of bringing in a catered meal for employees, on company time. This means that employees don’t have to worry about finding a sitter or taking time away for their families to attend. The holidays can be a…
Nov 13
What is FMLA?
Simply put, FMLA (Family Medical Leave Act) is a federal law that requires employers with 50 or more employees (within a 75 mile radius) to allow employees up to 12 weeks of unpaid time off for the treatment of a medical condition or to care for a family member with a medical condition. This law also applies to bonding time after birth, adoption or placement of a foster child. In order for an employee to qualify for FMLA leave, the employee has to have worked for the company for at least one year and worked a minimum of 1250 hours.…
Nov 11
Money Alone Can’t Attract and Retain Good Employees
Sure, everyone needs a paycheck. And often this is what employees focus on when looking for a new job, but in the end money is not what really matters. The reality of human nature is that money will never be enough. As a recent article in Entrepreneur put it, “There will never be enough money. Even if you are the highest paid employee for your level in your company, you will still feel underpaid.” The article goes on to say, “The trouble today is that most people work in jobs that they don’t like just to earn money. They think if…
Nov 5
Important Items to Check Off Your List Before the End of the Year
The end of the year will be here before we know it, and there are several items that every business should check off their list before the end of the year, to start 2015 out on the right foot. A recent article in Entrepreneur highlights 7 of these items, and a few of them are listed below: Prepare for Performance Reviews: While we agree that annual performance reviews are important, having an ongoing employee feedback system is best. Saving up all of the employee issues until the end of the year doesn’t benefit anyone. That being said, if you do…
Oct 30
Do Employers Have to Give Employees Time Off to Vote?
Election Day is Nov. 4, and while federal law protects the right to cast a ballot, state law determines whether an employer must provide employees the opportunity to vote during work hours. Employers should identify whether they are operating in one of the 30 states with voting-leave requirements to ensure they are in compliance and because some requirements may require immediate action. Puerto Rico also has voting-leave requirements. For employees, election days typically are not observed as holidays, though many of the states with voting-leave laws require employers to provide a certain amount of time off, usually from two to…
Oct 29
What is Open Enrollment?
29 Oct, 2014. 0 Comments. Benefits, Business Insights, Insight Blog. Posted By: FDEV
This time of year you will hear the term open enrollment in the news, amongst friends and especially at work. So what is Open Enrollment, anyway? Open Enrollment provides an opportunity for you to make changes to your benefit plans that are not allowed at other times during the year. For any of the benefits offered through A Plus Benefits, the Open Enrollment period is form November 1-December 1. Changes that may be made include: Eligible employees may enroll on the Health, Dental, Vision, Flexible Spending Accounts and Dependent Care Plans. Employees and dependents may cancel or change their Health,…
Oct 27
A New Trend: Unlimited Vacation Policies
Richard Branson, founder of The Virgin Group, recently announced in an interview that his personal staff does not receive vacation time. Instead they are allowed to take as much vacation as they would like, with no one tracking their time off. The thought is that employees will police themselves, and only take off as much time as they feel they deserve or need. Other companies have come forward stating they have similar policies, with a recent survey showing 3% of businesses follow this motto. While unlimited vacation time policies won’t work in many businesses, it may be time to look…
Oct 22
Disability Coverage Protects Employee Income
The ability to work and earn an income is vital to the financial security of all employees. Forty-eight percent of U.S. families do not save any of their annual income, according to the Federal Reserve Board. This means that if the main income earner in a household was unable to work and bring in income, the family would not be prepared to pay their bills, buy groceries or put gas in their cars. Medical insurance may cover the medical bills associated with the disability, but what about living expenses? According to the Council for Disability Awareness 2013 Employer Disability Awareness…
Oct 20
The 401(k) Solution for Small Businesses
Small businesses (those with fewer than 500 employees) have historically trailed large companies when it comes to offering retirement benefits.  Reasons given for not offering a retirement plan are commonly ascribed to cost, fiduciary responsibilities, and administrative headaches. A solution to overcoming these common objections is found by choosing a multiple employer plan.  A multiple employer plan (MEP) is a retirement plan for businesses that typically have a common interest, but that aren’t commonly owned or affiliated.  A Plus Benefits sponsors an MEP 401(k) plan on behalf of its PEO clients.  Businesses that join the MEP 401(k) plan are referred…
Oct 17
A Doctor Is Just a Phone Call Away-Telemedicine is on the Rise
The telemedicine industry is growing according to an article in Workforce Magazine. Rising health care costs are cited as the main reason for the recent change in the industry, especially the high costs of emergency room visits. So, what is telemedicine? Telemedicine can take many forms, but it usually involves doctors speaking to patients using some form of communication technology, such as phone or computer rather than in person. These alternatives to doctor’s office and ER visits are beneficial to patients and doctors because the doctor is able to see many patients quickly and the patient does not need to…
Oct 15
Insured Individuals Confused About Coverage and Concerned About Costs
A recent article from Inc. highlights a new poll from The Associated Press-NORC Center for Public Affairs Research which found that insured individuals are confused about their coverage and concerned about the costs of medical treatment. 19% of adults said they did not go to the doctor when they were sick or injured, because of costs and 18% of adults went without a physical or other preventative car. Only The survey also found that those individuals on high-deductible health plans were the most dissatisfied and confused. There are ways for employees to use high deductible health plans to their benefit.…
Oct 13
Voluntary Benefits Help Both Employees and Employers
A growing trend among employers is offering voluntary benefits to employees. These are plans that cost the employer little or nothing, while giving employees access to great benefits. Some examples include dental insurance, vision insurance, life insurance, 401 (k), accident policies or critical illness policies. Employees benefit from these plans because they plans often fill in the gaps in coverage as employers try to save money on health insurance by increasing deductibles or decreasing coverage options. Employees are also able to customize their benefits, only electing those voluntary options that will mean the most to their families. Employers benefit from…
Oct 10
Have you Heard of Safe Harbor 401(k) Plans?
Safe Harbor plans unique 401(k) plans designed to allow owners and highly compensated employees to contribute the maximum IRS allowable deferral to their retirement plan, while keeping the plan compliant with IRS anti-discrimination policies (see the testing notice for more information). Over the past few years, these plans have become very popular because of: Reduced Complexity - Safe Harbor Plans reduce complexity by design, they automatically pass the ADP and ACP Non-discrimination Tests required by traditional 401(k) Plans. Maximized Contributions - These plans allow Highly Compensated Employees to contribute the maximum salary deferral without concern about refunds caused by the…
Oct 8
The Best Ways to Communicate About Employee Benefits
Open Enrollment season for group benefits is almost upon us and employees will soon have the opportunity to enroll in new benefits or make changes to existing benefits. As a business owner, you need to find a way to communicate to you employees about all of the great benefits you are offering. You may think that an email communication or a poster in the break-room is sufficient but that may not be enough. In reality, a multichannel approach will provide the best results. According to research from The Prudential Insurance Co., the most successful channels for communications are group meetings,…
Oct 6
Voluntary Benefits Help Small Businesses Attract and Retain Good Employees
As a small business owner, you wear many hats every day and have a lot of things on your mind. You have the same struggles as large organizations, without the resources they enjoy. One of the many struggles of every business, large or small is attracting and retaining good employees.  Jim Collins, author of Good to Great has said, “Great vision without great people is irrelevant.” If a business truly wants to grow and succeed, they need great people on board. But how is a small business, with limited financial resources, supposed to compete with the big guys? Voluntary benefits…
Sep 26
ACA Causes Employers to Rethink Their Benefits Offerings
According to a recent employer survey conducted by Benefits Selling, 70% of employers said the Affordable Care Act (ACA) caused them to rethink their benefits offerings for their employees. The majority of those employers (64%) have shifted more of the benefits costs to the employees. Others have adjusted deductibles or added HSAs to keep costs down. The survey also found that many companies are adding supplemental and voluntary benefits such as dental, vision, life insurance, accident polices, disability, and retirement plans. A Plus Benefits has options for employers of all sizes considering making changes to their benefits. We offer flexible…
Sep 19
The Five Most Common HR Mistakes Made By Small Businesses
Small business owners have the difficult task of wearing many hats. A recent blog post at the Huffington Post by Margaret Jacoby highlights the five HR mistakes commonly make by small businesses. 1- Not Hiring the Right People for the Job This happens often and can lead to even more problems down the road. Take your time and find someone with the skills necessary that will also fit well with your existing employees. Conduct background checks, reference checks and pre-employment drug tests to prevent future issues. You may also consider a personality assessment to make sure they would be a…
Sep 17
Trends in Employer-Sponsored Health Benefits
Deductible and premiums are both on the rise, according to the results of The Kaiser Family Foundation’s 2014 Employer Health Benefits Survey.  The annual average premiums paid for family coverage for 2014 was $16,834 (over $1,400 per month). On average, employees are responsible for paying about 28% of the premium ($4,823 annually) while employers are picking up the rest. Deductibles are also on the rise to help offset some of the increasing costs. The average annual deductible is $1,200. Among smaller businesses (those with 3-199 employees), employees are more likely to face large deductibles with 61% having a deductible of…
Sep 10
US Court of Appeals Will Reconsider Validity of Affordable Care Act Subsidies
Last month, we posted a blog about the conflicting court decisions called into question the validity of tax subsidies for individuals who purchase insurance through the exchange. Just last week, the US appeals court dismissed the decision that threatened to limit these subsidies. The U.S. Court of Appeals for the District of Columbia Circuit, that previously called into question the validity of the federal subsidies for individuals in states that use the federal exchange threw out their previous decision and will hear new arguments in December.  This will further delay any Supreme Court discussion on the Adorable Care Act. Read…
Sep 8
Taxing Free Employee Meals
Offering free meals to employees has become common place in Silicon Valley, where IT companies are competing for the best employees. Companies like Google, Facebook, Weebly, Tagged and many others use free employee meals as a recruiting tool. It is also seen as a way to further bond employees together as they socialize in the company cafeteria on their lunch breaks. The Wall Street Journal recently reported that the IRS is pushing for a tax on the free food fringe benefits offered by these companies. This means the employee’s taxable income would be increased by the value of the free…
Aug 27
Correctly Counting Employees for the ACA Employer Mandate
Starting January 1, 2015, the number of employees you have will matter according to the Affordable Care Act (ACA). The so-called employer mandate in the ACA states that all businesses with more than 50 full-time-equivalent (FTE) employees must provide health insurance to their full-time employees (those working 30 hours or more) or pay a tax penalty of $3,000 per employee who is not offered coverage and instead seeks it on the state or federal exchanges. It is important to note that the employer mandate has been delayed for employers with 50-99 FTE employees until January 1, 2016. So only those employers…
Aug 22
Over One Third of Americans Have Nothing Saved for Retirement
According to a new survey done by Bankrate.com, 36% of US adults do not have anything saved for retirement. (Read more here)  Adding a company 401(k) plan can offer an option to employees who need help saving. Even if you have a younger workforce, emphasizing the importance of retirement savings can go a long way. Offering a company match of some sort can increase employee participation. Adding a 401(k) through a PEO, like A Plus Benefits is an inexpensive way to offer retirement benefits to your employees. Our Multiple Employer Plan (MEP) has lower fees than single employer plans, with…
Aug 18
Why You Should Take Another Look at Voluntary Benefits
Offering health insurance is not the only way to provide benefits for your employees. Voluntary benefits are an inexpensive way for employers to beef up their benefits package for employees. These types of benefits are offered to employees with little or no contribution from the employer, but because they are group products, the employees receive discounted premiums. This article from BenefitsPro gives five reasons why you should take another look at voluntary benefits:  1. They can fill in the gaps of a limited employee benefits package. If benefits are currently limited to health and dental, adding additional insurance would help…
Aug 13
Attracting Talent to a New Business
New businesses have to be creative in order to find good employees without the big compensation packages and benefits offerings that more established companies may be offering. Not offering health insurance is one way that startup companies can save money on employee costs. But, can a startup attract and retain talented employees without a health plan? The answer is absolutely yes! There are alternative benefits that can be made available to these types of employees without a lot of initial cost. First, think about a 401(k) tied to profit sharing in the company. IF the company does well, so does…
Jul 25
Recent Court Decisions Add More Confusion to the Affordable Care Act
Two recent court cases have brought even more confusion surrounding the Affordable Care Act (ACA). Conflicting court decisions occurred this week surrounding subsidies provided to help individuals afford coverage through the exchanges. The law was originally written stating that subsidies would be provided for individuals obtaining coverage through the exchanges “established by the state.” But 36 states did not set up their own state exchanges and instead opted for a federal exchange by default. This ambiguity in the law is what led to the conflicted court decisions this week. The D.C. Circuit Court found that the subsidies should not apply…
Jul 21
Voluntary Benefits Offerings Help Attract and Retain Employees
The recent 2014 Aflac WorkForces Report for Small Businesses published by Aflac highlights the importance of a comprehensive benefits package when attracting and retaining top talent. The study found that 63 percent of employees at small businesses are extremely or very satisfied with their job, but many think their benefits packages could be improved and only 12 percent are extremely satisfied with their current benefits. Additionally, only 14 percent believe their benefits package meets their current family needs extremely well. Over 50 percent of workers said they would likely accept a job with lightly lower compensation if it included better…