Less than half of U.S. small businesses offer benefits to employees, according to research from LIMRA released this week. The firm finds that 47% of those with two to 99 employees offer benefits, the lowest level in two decades.

In its survey of 754 private small businesses, LIMRA spoke to the individuals who made or shared decision-making regarding business insurance and employee offerings. Samples were weighed by company size, industry and region based on U.S. Census Bureau data.

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