Posted on 8/6/2012 at 10:25:15 PM
The gradual recovery from the Great Recession of 2008 and 2009 has most small businesses struggling to lower your expenses and increase income. Employee benefits are very costly. As an example in case a 401k plan is offered the admin, connected expenses, Employee Retirement Income Security Act (ERISA) submission, ongoing education, and statutory testing eat an extraordinary amount of time and dollars. The purchase is worsened by matching advantages. Many smaller businesses just cannot afford to provide these benefits.For many employees, over spending and no easy solution to track and budget costs has resulted in frustrating personal debt. That staggering debt has caused tremendous difficulties for the typical worker in planning for retirement. The typical American family owes $120k including $10k+ on bank cards. With particular finances extended beyond the limit some pay just the regular minimum toward credit card debt, delaying benefit until the twelfth of never. $5k in credit debt at 18% APR takes forty years to pay out entirely if only minimum monthly obligations are made.Half of one?s employees can experience at least one duty or legal issue in 2010, producing 57 hours absent from work, and costing them anyplace from $200 for a ticket, $1k for identity theft, $3k for exam representation or variety defense, to as much as $20k for a divorce. This could get rid of their total savings or cause much more debt. Over the past three decades the net return (after charges) of all pension programs made available from employers has averaged less than 2.7% yearly. 90% of workers are overrun by economic issues in comparison to real issues such as: only 20% workout regularly, 20% are overweight, 20% smoke, and 35% have high blood sugar. 45% are stressed and 60% are depressed as a result of fiscal bombard stressed and depressed employees have greater absenteeism and are less profitable at work.Is there a solution? Certainly there is! Imagine you could offer your employees an entire fiscal wellness plan that prices you little or nothing, got them out of debt in 1/2 the time, offered ID theft security, tax returns & advice, legal services, and features a voluntary spouse pension plan offering stock market like gains without stock market danger, and ZERO matching, zero minimums, zero expenses, zero management, zero ERISA compliance, zero continuing impotence and zero statutory screening? You?d have happier, richer, healthy and more dedicated and effective workers. And that?s a win-win.
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