Small to mid-size business owners want to focus their time and energy on the "business of their business" and not on the "business of employment." As businesses grow, most owners don't have the necessary human resource training; payroll and accounting skills; knowledge of regulatory compliance; or backgrounds in risk management, insurance and employee benefit programs to meet the demands of being an employer.

In today's changing economic environment, business owners are confronted with many difficult challenges. According to a recent national survey, some the most significant issues facing small to mid-sized companies are shown to the right: