Once a small business has at least two full-time employees and can contribute toward medical benefits or 401(k) costs, it's time to put a plan into action. (Photo: Shutterstock) Once a small business has at least two full-time employees and can contribute toward medical benefits or 401(k) costs, it's time to put a plan into action. (Photo: Shutterstock)

According to the U.S. Small Business Administration, more than half of Americans either own or work for a small business, and small businesses create nearly two out of three new jobs each year. Just look at the insurance industry, which is itself made up of thousands of small businesses, from local agencies to small-town inspection companies.

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