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Integrated Benefits Institute estimates health problems cost the U.S. economy $576 billion a year.
Small business owners on average think 4% is a fair fee on DC plans.
In lean times, businesses want to be sure every hire works out.
This year's increase is down from the 9.5% jump in 2011; family coverage now averages $15,745.
Firm acts after losing market share to rivals like Vanguard.
Company may use engineers outside Seattle as costs rise at jet hub.
