please answer 13-15

During lecture, Dr. Porter discussed the monetary costs of employee benefits. On average, employee benefits constitute about how much of employees' total compensation (what percentage)? 40% 30% 60% O 15% 20% Question 14 (2 points) Within the U.S., healthcare costs are by far the most expensive benefit offered by employers. To help manage these costs, most organizations engage in what practice? They cut costs in other areas in the business None of these The offer no health insurance to their employees They offer health insurance plans that have a high deductible ($1,000 or more) Question 15 (2 points) Jaime has been working at the University of Memphis for over 30 years as a building manager. Jaime's retirement plan is funded by U of M, and U of M carries the risk associated with the retirement plan. Moreover, the amount of benefit paid to him during his retirement is predetermined; he is guaranteed 80% of his income in retirement for as long as he lives. What type of retirement plan does Jaime have