Majority Concerned About Retirement and Most Feel State Should Do More. Strong Support for State Retirement Savings Plan Legislation

Transcription

1 2017 ARKANSAS SMALL BUSINESS OWNER SURVEY Majority Concerned About Retirement and Most Feel State Should Do More Survey findings show that Arkansas small business owners and decision makers (those with additional employees) are concerned about their employees having enough money to retire. More than half (60%) are very or somewhat concerned. In addition, three-quarters (75%) feel more needs to be done to help encourage AR residents to save for retirement. State Should Do More to Encourage Residents to Save for Retirement A lot/some more A little more Nothing more 11% 8% 75% Strong Support for State Retirement Savings Plan Legislation Most (74%) support legislation creating a basic, privately managed retirement plan that small businesses could use to address the issue of retirement. Furthermore, more than eight in ten (82%) agree that Arkansas lawmakers should support a plan to make it easier for small business owners to offer their employees a way to save for retirement. Support or Oppose an Arkansas Retirement Savings Plan Agree or Disagree Lawmakers Should Support an Arkansas Retirement Savings Plan Support 74% Agree 82% Neutral 3% Oppose 15% Neutral 3% Disagree 11% Retirement Savings Plans Provide Arkansas Small Businesses An Advantage in Staying Competitive A strong majority of Arkansas small business owners/decision makers (78%) agree that being able to offer a voluntary, portable retirement plan would help small businesses attract/retain quality employees and stay competitive. Agree or Disagree Offering a Retirement Plan Provides a Competitive Edge Agree Disagree 14% 78% Neutral 4% Fact Sheet

2 2017 ARKANSAS SMALL BUSINESS OWNER SURVEY Employers Offer Retirement Plans Because They Feel it is the Right Thing to Do and to Attract/Retain Top Talent Just over one-in-six Arkansas small business owners/decision makers (18%) offer some type of retirement savings plan to their employees. Top reasons for offering a plan are that it is the right thing to do, it helps attract/retain quality employees, and it has a positive impact on employee morale. Offer Retirement Savings Plan Main Reason for Offering Retirement Savings Plan Top Mentions Among Small Businesses That Offer a Plan Yes 18% No 80% Is the right thing to do Attract/retain quality employees Positive impact on employee attitude/performance 13% 21% 40% Among Those Who Don t Offer a Plan, Two-Thirds Would Offer Employees a State Retirement Savings Plan if Available Among Arkansas small business owners/decision makers who do not offer retirement plans to their employees, many (64%) are concerned about the cost of offering a plan. If the proposed legislation (which would operate at no cost to the business owner) were enacted, two-thirds (66%) say they likely would offer it to their employees. Concerns to Employers (% Yes - Small Businesses That Don t Offer a Plan) Likely to Offer State Retirement Savings Plan (Small Businesses That Don t Offer a Plan) Too costly 64% Too complicated Too time consuming 32% 44% Likely 66% Not likely 30% DEMOGRAPHICS n=450 small business owners with additional employees in the state of Arkansas Business Size (additional employees): 1: 18%, 2-3: 32%, 4-8: 28%, 9-100: 21% Business Type: For Profit: 92%, Non-Profit: 6% 2016 Business Revenue: Less than $100,000: 34%, $100,000-$500,000: 30%, $500,000+: 20% Age: 18-49: 43%, 50-64: 34%, 65+: 20% Business Tenure: 0-10 years: 39%, years: 34%, 26+ years: 26% Gender: Male: 63%, Female: 37%, Ideology: Conservative: 52%, Moderate: 21%, Liberal: 11% Political Party: Democrat: 15%, Republican: 36%, Independent/ Something else: 42% METHODOLOGY The AARP 2017 Arkansas Small Business Owner Work and Save Study was a telephone study among 450 small business owners or decision makers about employee benefits at companies with additional employees within the state of Arkansas. Interviews were conducted September 6-September 28, Respondents were offered a $5 check in appreciation for their participation. Sample, including owner names and companies, came from a Dun & Bradstreet business list. The margin of error for the sample of 450 for Arkansas is +/-4.6%. For full annotation visit For more information contact Ness Nehus, AARP Arkansas vnehus@aarp.org or Jennifer Sauer, AARP Research jsauer@aarp.org

3 2017A rkansass m albusinesso w nerw orkand S aves urvey (n=450 sm albusinessow nersina R ;M arginoferror= ± 4.6percent) S CR EEN ER S A M P L E:450 telephoneinterview sam ong non-franchisesm albusinessow nersordecisionm akersw ith (1-100)additionalem ployees IN T R O :Hello, may I please speak with (INSERT NAME FROM SAMPLE). IF NAME ON LIST NOT AVAILABLE: Is there another business owner or person in charge of employee benefits that I can speak with? My name is with the American Institute of Consumer Studies. We are conducting a brief survey of Arkansas business leaders regarding retirement. This is not a sales call. As a leader in the community your opinions are very important. In appreciation of your time, we will mail you a check for $5 if you qualify and complete the survey. (IF ASKED: This survey will take about 10 minutes). (R E-IN T R O DU CES U R VEY AS N ECES S A R Y) (Ifaskedw hothesurvey issponsored by- Icanprovidethatinform ationattheend ofthesurvey ) **P rogram m ernote:codecounty based onfip S codeinsam plefile,donotasks 1.** S1. County: n=450 2% Arkansas 1% Ashley 2% Baxter 8% Benton 2% Boone <0.5% Bradley <0.5% Calhoun 1% Carroll 1% Chicot 1% Clark <0.5% Clay <0.5% Cleburne -- Cleveland 1% Columbia <0.5% Conway 2% Craighead 3% Crawford 1% Crittenden 1% Cross -- Dallas 1% Desha -- Drew 2% Faulkner -- Franklin <0.5% Fulton 6% Garland 1% Grant 2% Greene 1% Hempstead 1% Hot Spring <0.5% Howard 1% Independence <0.5% Izard 1% Jackson 2% Jefferson <0.5% Johnson 1% Lafayette 1% Lawrence -- Lee <0.5% Lincoln -- Little River <0.5% Logan 2% Lonoke 1% Madison -- Marion <0.5% Miller 1% Mississippi 1% Monroe <0.5% Montgomery <0.5% Nevada <0.5% Newton 1% Ouachita <0.5% Perry 1% Phillips <0.5% Pike 2% Poinsett 1% Polk 2% Pope <0.5% Prairie 16% Pulaski <0.5% Randolph 1% St. Francis 4% Saline <0.5% Scott <0.5% Searcy 2% Sebastian 1% Sevier 1% Sharp <0.5% Stone 2% Union 1% Van Buren 8% Washington 4% White <0.5% Woodruff <0.5% Yell *Percentages for each question may not sum to 100% due to rounding. 1

4 S2. Record gender: (DO NOT READ SELECT ONE ANSWER) 63% Male 37% Female S3. First of all, are you the owner of a small business, are you not the owner, but the person who makes decisions about employee benefits, or are you neither? (DO NOT READ CHOICES - SELECT ONE ANSWER) 86% Owner 14% Decision maker about employee benefits (NOT OWNER) -- Neither **P rogram m ernote:ifs 3=1-2,skiptoS 4.** S3a. May I please speak with the owner or decision maker about employee benefits? Yes (TRANSFER TO PERSON) Not available (SET UP CALLBACK) No (TERMINATE **P rogram m ernote:ifs 3a=1,returntoIN T R O.IfS 3a=2,S EN D T O CA L L BA CK.IfS 3a=3,T ER M IN A T E.** **P rogram m ernote:a low upto5-digitnum ber.** S4. N otincludingyourself, approximately how many people does your company employ? [ENTER NUMBER] Don t know/no answer 18% 1 Additional Employees 32% 2-3 Additional Employees 28% 4-8 Additional Employees 21% Additional Employees -- Don t know/no answer **P rogram m ernote:ifs 4=0 or>100,t ER M IN A T E.** S5. In what state is your business located? 100% Arkansas -- Other (TERMINATE) -- Don t know/not sure (TERMINATE) -- Refused (TERMINATE) **P rogram m ernote:ifs 5=7,8,or9,T ER M IN A T E.** *Percentages for each question may not sum to 100% due to rounding. 2

5 **P rogram m ernote:insertlistofcountiesfrom S 1 w ithadditionalcodesbelow.** S6. In what county was your company incorporated? n=450 2% Arkansas 1% Ashley 2% Baxter 7% Benton 2% Boone <0.5% Bradley <0.5% Calhoun 1% Carroll 1% Chicot 1% Clark -- Clay -- Cleburne <0.5% Cleveland 2% Columbia 1% Conway 2% Craighead 2% Crawford 2% Crittenden 1% Cross 1% Dallas 1% Desha -- Drew 2% Faulkner -- Franklin 1% Fulton 4% Garland 1% Grant 1% Greene <0.5% Hempstead 1% Hot Spring <0.5% Howard 1% Independence -- Izard 1% Jackson 2% Jefferson -- Johnson 1% Lafayette <0.5% Lawrence -- Lee <0.5% Lincoln <0.5% Little River <0.5% Logan 1% Lonoke 2% Madison -- Marion <0.5% Miller 1% Mississippi <0.5% Monroe <0.5% Montgomery <0.5% Nevada <0.5% Newton 1% Ouachita -- Perry <0.5% Phillips <0.5% Pike 1% Poinsett 1% Polk 2% Pope 1% Prairie 17% Pulaski <0.5% Randolph 1% St. Francis 2% Saline -- Scott <0.5% Searcy 2% Sebastian <0.5% Sevier 1% Sharp <0.5% Stone 1% Union 1% Van Buren 8% Washington 3% White <0.5% Woodruff 1% Yell 4% Not a corporation <0.5% Other 2% Don t know/not sure 1% Refuse **P rogram m ernote:r andom izeorderof localbusiness and franchise.** S7. And is that a local business or a franchise? (DO NOT READ CHOICES- SELECT ONE ANSWER) 100% Local business -- Franchise (T ER M IN AT E) -- Don t know/not sure (T ER M IN AT E) -- Refused (T ER M IN AT E) Interviewer: If necessary A franchise is when a company grants an individual or group permission to carry out specific commercial activities on its behalf. For example, many McDonald s locations are independently owned franchises. **P rogram m ernote:ifs 7=2,8 or9,t ER M IN A T E.** 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 3

6 **P rogram m ernote:a low upto3-digitnum ber.** S8. In general, what percentageof your workforce includes seasonal employees? % [ENTER PERCENTAGE 0-100] 999 Don t know/no answer 78% 0% 8% 1%-25% 3% 26%-50% 1% 51%-75% 8% 76%-100% 2% Don t know/no answer S9.What type of business or industry characterizes your company? (DO NOT READ CHOICES SELECT ONE ANSWER) 8% Agriculture, Forestry, Fishing 2% Arts, Entertainment, Recreation 1% Communications, Telecommunications 14% Construction 2% Educational services including schools 3% Finance, Insurance -- Government (TERMINATE) 6% Healthcare, Pharmaceutical 3% Hotel, Lodging, Restaurant 1% Leasing & Rental 5% Manufacturing 2% Non-profit 4% Real Estate 12% Retail 27% Services, for example, business, legal, engineering, accounting 5% Transportation, Warehousing 3% Utilities; for example, electric power, gas, water 1% Wholesale Trade <0.5% Other (specify) -- Don t know/no answer (TERMINATE) -- Refused (TERMINATE) **P rogram m ernote:ifs 9=07,98,or99 T ER M IN A T E.** 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 4

7 M ainq uestionnaire 1. How concerned are you that [IF S4=1, YOUR EMPLOYEE"] [IF S4=2+, YOUR EMPLOYEES ] will not have enough money to cover their living expenses when they retire? Are you very concerned, somewhat concerned, not very concerned or not concerned at all? (SELECT ONE ANSWER) 24% Very concerned 36% Somewhat concerned 13% Not very concerned 24% Not concerned at all 3% Don t know/not sure 1% Refused 2. In your opinion, should a lot more, some more, a little more or nothing more be done to help encourage Arkansas residents to save for retirement? (SELECT ONE ANSWER) 55% A lot more 20% Some more 11% A little more 8% Nothing more 5% Don t know/not sure 1% Refused 3. Are you currently saving for retirement? (DO NOT READ CHOICES SELECT ONE ANSWER) 81% Yes 18% No <0.5% Don t know/not sure 1% Refused 4. Do you offer your employees a retirement savings plan? (SELECT ONE ANSWER) 18% Yes 80% No 2% Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) **P rogram m ernote:ifq 4=1,skiptoQ 7.IfQ 4=2,8,9,continuetoQ 5 introscreen.** 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 5

8 5. [IF DO NOT OFFER PLAN] INTRO: There are many reasons businesses do not offer a retirement savings plan. Please tell me if the following reasons are concerns to you as an employer. **Programmer note: Rotate A-C.** a. Are you concerned about how complicated it would be to operate a retirement plan? (DO NOT READ CHOICES SELECT ONE ANSWER) (n=360) 44% Yes 55% No 1% Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) b. Are you concerned about how time consuming it would be to operate a retirement plan? (DO NOT READ CHOICES SELECT ONE ANSWER) (n=360) 32% Yes 65% No 3% Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) c. Are you concerned about how costly it would be to operate a retirement plan? (DO NOT READ CHOICES SELECT ONE ANSWER) (n=360) 64% Yes 35% No 2% Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) 6. Does your company ever plan to offer a retirement savings plan to your employees? (DO NOT READ CHOICES SELECT ONE ANSWER) (n=360) 24% Yes 69% No 7% Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) **P rogram m ernote:ifq 4=2,8,9,skiptoQ 9.** 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 6

9 7. [IF OFFERS PLAN] What type of retirement savings plan does your company offer employees? (DO NOT READ LIST SELECT ALL THAT APPLY PROBE: WHAT ELSE?) (n=82) 48% 401k or 403b 34% IRA or Roth IRA 6% Simplified employee pension plan or SEP 4% Stocks or mutual funds 1% Profit Sharing 1% Union 5% Other (S P ECIFY) 9% Don t know/not sure -- Refused 8. [IF OFFERS PLAN] What is the onemain reason your company offers a retirement savings plan to employees? (DO NOT READ CHOICES SELECT ONE ANSWER) IF MORE THAN ONE REASON GIVEN: Of those reasons, which is the biggest reason? (n=82) 21% Attract and retain quality employees 13% Have a positive impact on employee attitude and performance 40% Because it is the right thing to do 2% Tax advantages 1% I can t afford to offer health insurance so I offer a retirement plan 9% So they can save for their retirement/have supplement for Social Security/have something (money) for their retirement 1% So they can retire/help them retire/safety net for them/so they can retire comfortably 1% Benefits/as part of benefit package/compensation/enhances benefits 4% Care about employee/want to be fair/help employee/help with their future 4% Allows me to do the same/participate in my own retirement plan 1% Required/mandated by state law/unions 1% Good for business practice/ good for owners and employees -- Other (S P ECIFY) 1% Don t know/not sure -- Refused 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 7

10 ************************************************** IFN O P R O P O S A L YET A S KQ 9,Q 10,andQ 11. ************************************************** **P rogram m ernote:r otatestatem entsa and B.** 9. There are two proposals that Arkansas lawmakers could consider to help small businesses provide retirement savings plans to their employees. One proposal.. A) Would create a basic, ready to go or plug-and-play retirement plan that small business owners can use without having to operate or pay setup or maintenance costs. Small business owners would simply set up a payroll deduction for employees who choose to participate. While the other B) Would create a website bringing together existing retirement plans approved by the state that small business owners can use. Small business owners would pick a plan, pay for setup and maintenance costs, and operate the plan for employees who choose to participate. Which proposal would you be more likely to support? 49% Basic plug-and-play plan with no setup or maintenance costs 24% Website with existing plans where owners pay for setup and maintenance 21% Don t know/not sure 6% Refused 10.Some Arkansas lawmakers are considering a bill to address the issue of retirement. Under this legislation, the state would create a basic, ready to go or plug-and-play retirement plan for small businesses to use. Employers would simply setup a payroll deduction just like they do for taxes. Workers would be able to choose if, and how much, they want to contribute. If workers leave a job they can take the money and account with them to their next job. The plan would be privately managed. Do you support or oppose this legislation? Is that strongly or somewhat? (INTERVIEWER PROBE IF NEEDED: Is that strongly or somewhat?) 30% Strongly support 44% Somewhat support 3% Neither support nor oppose (DO NOT READ) 6% Somewhat oppose 9% Strongly oppose 4% Don t know (DO NOT READ, DO NOT COLLAPSE) 3% Not sure (DO NOT READ, DO NOT COLLAPSE) <0.5% Refused (DO NOT READ, DO NOT COLLAPSE) **P rogram m ernote:ifq 4=2,continuetoQ 11,IFQ 4=1,8,9 S KIP T O Q ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 8

11 11.[IF NO PLAN OFFERED TO EMPLOYEES] How likely would you say you are to offer your employees access to the plan that is being proposed- very likely, somewhat likely, not too likely, or not at all likely? (n=360) 31% Very likely 35% Somewhat likely 10% Not too likely 20% Not at all likely 4% Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) 12.Do you agree or disagree with the following statement: Being able to offer a voluntary, portable, retirement plan would help local small businesses attract and retain quality employees and stay competitive. Is that strongly or somewhat? (INTERVIEWER PROBE IF NEEDED: Is that strongly or somewhat?) 44% Strongly agree 35% Somewhat agree 4% Neither agree nor disagree (DO NOT READ) 4% Somewhat disagree 9% Strongly disagree 4% Don t know/not sure (DO NOT READ) 1% Refused (DO NOT READ) 13.Do you agree or disagree that Arkansas Governor and lawmakers should support a plan to make it easier for small business owners to offer a way to save for retirement to their employees? (INTERVIEWER PROBE IF NEEDED: Is that strongly or somewhat?) 50% Strongly agree 32% Somewhat agree 3% Neither agree nor disagree (DO NOT READ) 4% Somewhat disagree 7% Strongly disagree 4% Don t know/not sure (DO NOT READ) <0.5% Refused (DO NOT READ) 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 9

12 14.How interested would you be in joining a state -wide coalition to support this legislative initiative very interested, somewhat interested, not very interested, or not interested at all? (SELECT ONE ANSWER) 6% Very interested 34% Somewhat interested 21% Not very interested 36% Not interested at all 2% Don t know/not sure (DO NOT READ) 1% Refused (DO NOT READ) DEM O S D1. I have just a couple more questions. How would you classify your company? Is it a for-profit business or a non-profit business? (SELECT ONE ANSWER) 92% For-profit business 6% Non- profit business <0.5% Other (S P ECIFY) (DO NOT READ) 1% Don t know/not sure (DO NOT READ) 1% Refused (DO NOT READ) D2. What is your age as of your last birthday? [IN YEARS] 99 Refused **P rogram m ernote:coderesponsesintofo low ingagecategories(donotshow ): 5% % % % % % 65+ 4% Refused Flag anyone under 18.** D3. Are you registered to vote in Arkansas (DO NOT READ CHOICES SELECT ONE ANSWER) 92% Yes 6% No <0.5% Don t know/not sure (DO NOT READ) 2% Refused (DO NOT READ) **P rogram m ernote:r andom izedem ocrat,r epublican,independentw ording(show som ethingelse last).** 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 10

13 D4. Do you consider yourself to be a(n) Democrat, Republican, Independent, or something else? (SELECT ONE ANSWER) 15% Democrat 36% Republican 27% Independent 15% Something else 2% Don t know/not sure (DO NOT READ) 5% Refused (DO NOT READ) D5. How would you characterize your political views very conservative, somewhat conservative, moderate, somewhat liberal, very liberal, or none of the above? (SELECT ONE ANSWER) 23% Very conservative 29% Somewhat conservative 21% Moderate 7% Somewhat liberal 4% Very liberal 11% None of the above 2% Don t know/not sure (DO NOT READ) 4% Refused (DO NOT READ) **P rogram m ernote:show oneitem perscreen.donotscram ble.** D6. And, how many years has your current company been in business in Arkansas? Interview erinstruction:iflessthanoneyear,enteras0 39% % % 26+ <0.5% Don t know/not sure (Do not read) <0.5% Refused (Do not read) 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 11

14 D7. We realize income is a private matter and so rather than ask you anything specific about your income; I d like to ask you to please stop me when I get to the category that includes your business revenue in Was it? (READ CHOICES BELOW SELECT ONE ANSWER) 4% Less than $0, it was negative 3% Less than $10,000 10% $10,000 to less than $50,000 17% $50,000 to less than $100,000 16% $100,000 to less than $200,000 14% $200,000 to less than $500,000 8% $500,000 to less than $1 million 13% $1 million or more 6% Don t know/not sure (DO NOT READ) 10% Refused (DO NOT READ) **P rogram m ernote:ifq 14=4 or3 askr 1.A lothersskiptoz1.** R 1.The Arkansas Coalition for Retirement Options is very interested in people who can share their story to raise awareness for this important topic. Would you be willing to speak with someone from the Arkansas Coalition for Retirement Options about some of the things related to retirement savings addressed in this survey? This would not be a sales call. (n=181) 46% Yes 50% No 2% Don t know/not sure (DO NOT READ) 3% Refused (DO NOT READ) **P rogram m ernote:ifr 1>1,skiptoZ1.** R2. Because you would be willing to speak with someone from the Arkansas Coalition for Retirement Options, we also will be providing them some limited information about you. This information will be limited to the following: (1) your first and last name, (2) your telephone number, (3) your gender, (4) your age group, and your responses about employer retirement savings plans you gave to this survey. Are you still willing to speak with the coalition? (n=83) 96% Yes 4% No -- Don t know/not sure (DO NOT READ) -- Refused (DO NOT READ) **P rogram m ernote:ifr 2>1,skiptoZ1.** 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 12

15 R3. Thank you for indicating your willingness to speak with someone from the STATE Coalition for Retirement Options. The coalition may contact you first to verify that you are still interested in sharing your story. We cannot guarantee that the coalition will contact you, but we will be sure to make a note of your interest in being interviewed. Z1. In order to send you a check for $5 as our way of saying thank you for participating in this study, we will need your full name and mailing address. This information will only be used to mail you your $5 check. Would you like to provide this information? Yes No Don t know/not sure (DO NOT READ) Refused (DO NOT READ) **P rogram m ernote:ifz1=1,askz2 thenskiptoen DIN G. IfZ1=2,8,or9,skiptoZ3.** Z2. Full Name: Address: City State: ZIP: **P rogram m ernote:a fteransw eringz2,skiptoen DIN G.** Z3. Would you like us to donate your $5 to the American Red Cross instead? Yes No Don t know/not sure Refused EN DIN G:Those are all the questions I have for you. Thank you very much for helping us with this important study. Have a great day/evening. INTERVIEWER, IF ASKED ABOUT SPONSOR: The survey sponsor is the Arkansas Coalition for Retirement Options 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 13

16 A A R P is the nation s largest nonprofit, nonpartisan organization dedicated to empowering Americans 50 and older to choose how they live as they age. With nearly 38 million members and offices in every state, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, AARP works to strengthen communities and advocate for what matters most to families with a focus on health security, financial stability and personal fulfillment. AARP also works for individuals in the marketplace by sparking new solutions and allowing carefully chosen, high-quality products and services to carry the AARP name. As a trusted source for news and information, AARP produces the nation's largest circulation publications, AARP The Magazine and AARP Bulletin. To learn more, visit or on social media. For more information about this survey, please contact Jennifer Sauer at or e- mail jsauer@aarp.org. For more information about this issue in Arkansas, please contact Ness Nehus, Associate State Director of Advocacy, at or vnehus@aarp.org 2017 ARKANSAS SMALL BUSINESS OWNER WORK AND SAVE SURVEY 14