Erinn Kelly, VP of Human Resources at Lawson Chemical, just purchased a local salary survey that has employee benefits data. She was shocked to see that Lawson has a larger benefits bill (38 percent of payroll) than the average in the community (31 percent). In a memo to you, the benefits broker at Lawson Chemical, she demands an explanation for why our package is significantly bigger. Research the details on why these costs may be higher, and respond to Erinn Kelly with a business-appropriate response regarding your findings that explain the larger payroll percentages.