Congrats!

Which cost is heftier: high turnover/retraining, high wages to encourage retention in the absence of employee-sponsored ins., or ins. premiums? Idk the answer, and it likely varies by business.

Also worth noting many businesses offer health ins. plans but deduct premiums from employee pay.

It gives businesses more leverage over their employees.

I like the "prevent a LitRPG apocalypse" angle. I don't read much system apocalypse but that spin feels fresh to me.