A small-business owner eager to retain top talent discovered novel benefits solutions that fit her needs: 'You don't have to be a huge big business.'

Despite fears of a possible recession next year, job openings rose to 10.7 million in September, and there were about 1.9 job openings per unemployed person that month, according to the Bureau of Labor Statistics. Small-business owners who want to scoop up top talent and retain their employees need …

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