Offering employee benefits is a necessary part of doing business; it is especially important in competitive job markets. But for many employers, the process of selecting, implementing and administering a benefits program is overwhelming and time consuming. There are over 7.4 million employers in the U.S., and the majority (82%) have fewer than 200 employees. Yet as a nation made up largely of small employers, it can be difficult to compete with larger businesses – and larger budgets – for top talent.