Because large employers can typically shoulder a greater portion of the health care cost burden than small employers, they enjoy a greater benefit participation rate, as well. Benefit advisers working with small to mid-size employers to boost benefit participation can focus on cost-saving measures that limit the amount of that burden being passed off to employees.  

Employer-sponsored medical benefits were available to 69% of private-industry workers in the United States in March 2014, but availability of medical care benefits varied by establishment size, with 53% of employees in establishments with fewer than 50 employees being offered medical care benefits, compared with 89% of workers in establishments with 500 employees or more, according to data released Tuesday by the Bureau of Labor Statistics.

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