While most small and midsize companies offer their employees health and life insurance, those alone may not win an employee's long-term loyalty. Just over half of the businesses Inc. recently polled offer a 401(k), only about a third have a retirement or pension plan, and a mere one-fifth offer a thrift/savings plan. Employee-assistance programs have yet to make a blip on the charts.

* * *

Type of benefit and percentage of companies offering it:
Health insurance 96%

Life insurance 82

Tuition reimbursement for job-related courses 70

Dental-care insurance 68

Profit sharing 66

401(k) plan 52

Retirement/pension plan 34

Tuition reimbursement for non-job-related courses 24

Thrift/savings plan 20

ESOP 12

Phantom stock 10

Child care/child-care subsidy 8

Source: Based on a survey of Inc. 500 Conference attendees.