The moment you tell an employer about 403b or 401k retirement plans, they’ll run for their life. Why? They run because they think they’re losing money over such 403b investment retirement plans that they could use elsewhere. Let’s take the situation of this company that’s been losing profit for the past 3 years, Joe the manager decides to hire a team of performance analysts to see what’s going on in the firm. He puts in hundreds of dollars on the performance team; later on they tell him that the ergonomics of the office aren’t helping the employees. He goes on, redecorates, and purchases new furniture worth thousands of dollars. It’s improved a bit. Later on, he consults with the team again and they tell him, maybe it’s the lack of retirement plans. After he has spent thousands of dollars, he realizes it would’ve been easier to offer 403b investment retirement plans from the start. Do you really want to be Joe’s position?