Margaret Hastings is a 48 year old widowed single parent with one child, aged 14. Margaret's husband had been a heavy smoker all of his life, and he died two years ago from lung cancer. On his death, Margaret was the beneficiary of a modest life insurance death benefit. Margaret's father, Harold, has been living with her since her husband's death, and he has recently been diagnosed with the early stages of Parkinson's disease. For several years, Margaret has been working as a Chief Lab Technician with the Ministry of the Environment. She has recently been offered a Senior Technician position in the Chemistry department of two universities - Acadia University and McMaster University. Each university offered her the same base income (when adjusted for cost of living in the various cities, and each will pay for her transportation and moving costs). Compare the employee benefits available from each of these potential employers. Which employer, if any, provides her and her family with the best overall package of benefits?