Janice owns Widgets & Gizmos, a small manufacturing company. This year, the business has grown to $10$ employees and Janice feels the time has come to add a comprehensive benefits package for her staff. She wants the plan to include both disability and extended health coverage. Meeting with Wanda, a group insurance broker, she explains that her preference would be to start with a simple policy and, $12$ months from now, reassess whether it is the right kind of plan.

What sort of funding structure should the initial plan have?

o $$Refund Accounting.

o $$Non$-$Refund Accounting.

o $$Administrative services only.

o $$An employee health trust.