A little healthcare fun fact.
if you have a company with 25 or less employees, and the average income is less then $40,000 a year, you will get 35% of the cost of healthcare from government.
if you have 26 employees, you get nothing. That's right, not a god damn thing.
So, if the average life insurance policy cost $5000, a company of 26's least valuable employee better be worth an additional $43,750. Because that's what it cost to keep him. If you have 27, the two least better be worth an additional $21,875 each, or they are both gone.
Good stuff.