A benefit plan that helps you attract and retain key employees. Government cutbacks will make a private plan even more attractive to your employees. It doesn’t help you very much, though, if your employees are unhappy with the coverage a plan provides. In fact, most benefit plans available for small business have a longer list of things they don’t cover than of things they do. This frustrates your employees who then complain to you. You wonder if you are simply wasting your money paying premiums every month for benefits your employees don’t value.