You are correct in your assumption that I do not write group. However, the OP said less than 10 employee. I was basing my experience and answer on what he/she said. I am no expert in group sales as I only do ind. but most of my clients are smallbiz owners, mostly mom and pop, and when I do speak with a owner that has somewhere around 10 or less employees, I always hear from them how expensive it is.