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Think you're too small to offer competitive benefits? Think again. In this episode of Fiscally Awesome, Hiline CEO Matt Gardner sits down with Leah Brite, Head of Product Marketing, Benefits at Gusto, to break down exactly how small businesses can attract and retain top talent without breaking the bank. What you'll learn: 🔹 Why offering health insurance delivers a 109% ROI (with real numbers to prove it) 🔹 The smart benefits progression from 1 employee to 20+ 🔹 ICRA vs traditional health plans - which saves you more money? 🔹 How benefits reduce employee turnover by 25-40% 🔹State-by-state requirements you need to know about 🔹The biggest myths costing small businesses great talent ⏰ Key timestamps: 0:00 - Intro: Why benefits matter more than you think 8:00 - The first benefits every small business should offer 12:00 - Hard ROI data: How health insurance pays for itself 18:00 - ICRA explained: The flexible health plan option 24:00 - Industry trends: Who's leading the benefits game 29:00 - Your benefits roadmap: From 1 to 20 employees 35:00 - Lightning round: Myths, horror stories, and quick wins Leah manages benefits for over 400,000 small businesses on Gusto's platform, giving her unique insights into what actually moves the needle for employee satisfaction and business success. Ready to make your small business a talent magnet? This episode gives you the roadmap. 🔗 Links mentioned: 👉🏻 Gusto: https://www.gusto.com 👉🏻 Hiline: https://www.hiline.co #SmallBusiness #EmployeeBenefits #Entrepreneurship #BusinessFinance #HR #Payroll #HealthInsurance #RetirementPlans