While we can all agree that there are many benefits to working at a small business (avoiding bureaucracy, trying new things, knowing everyone in your company), the most important benefits are the benefits benefits. I’m talking health insurance. Retirement plans. Paid leave options. Meaningful stuff.

So how can you, a small-business owner, provide these kinds of benefits and still have the time and money to run your business? And maybe more to the point: how can you provide benefits that are actually competitive with what your team would get at a much larger company ?