The 12bet官方研究所 released its newest report today on the financial health of small 企业 and employment challenges they continue to face. The first-of-its-kind report reveals new information about small business employment growth and the volatility small business owners experience when managing payroll expenses.

“The Ups and Downs of 小型企业 Employment” reports that most small 企业 experience substantial volatility in payroll expenses. 此外, more than two-thirds (68 percent) of small employer 企业 either reduced their number of employees or added less than the equivalent of one full-time employee in a calendar year. 典型的小企业工资支出增长了8%.每年5%. These payroll expenses were significant for small employer 企业, 典型的业主支付18美元,每月700美元的工资支出, 或者占他们业务流出资金的18%. 使他们的财务状况更加难以管理, 拥有雇员的小型企业只有18人 现金缓冲日相比之下，小型企业的总体现金缓冲日为27天.

“Payroll is a significant expense for employer small 企业 and managing it has an impact on not only the health of their business, 还有他们雇佣的人,戴安娜·法雷尔说, 总裁兼首席执行官, 12bet官方研究所. “With increased focus on the positive impact small 企业 can have on the economy, it’s critical to understand what these new insights mean for job creation and policies that aim to support both small 企业 and their employees.”

The 研究所 analyzed 65 million anonymized transactions from 45,260 small business customer accounts over the nine non-holiday months from February 2015 to October 2015. This unique dataset provides a granular view of payroll growth and volatility and their impact on employment at the individual business level.

主要发现:小企业就业的起起落落

• Finding One: Payroll for most small employer 企业 grew by less than the equivalent of one full-time employee in a calendar year, 工资年化增长率中位数为8%.5%.
  • 36% of small employer 企业 decreased their payroll expenditures.
  • 32% of small employer 企业 increased their payroll expenditures by less than the equivalent of one full-time employee.
  • 31% of small employer 企业 increased their payroll expenditures by more than the equivalent of a single full-time employee.
• Finding Two: Payroll expenses were a material outflow for employer small 企业, which held fewer 现金缓冲日 than nonemployer small 企业.
  • 工资支出中位数从11美元不等,餐饮业的平均工资为每月700美元，中位数为36美元,在高科技服务业每月600美元.
  • Payroll as a percentage of outflows varies substantially across industries—payroll only comprised 10 percent of the outflows of a typical wholesaler or retailer, but 27 percent of the outflows of a typical High-Tech Services firm.
  • 典型的雇主小企业只有18个现金缓冲日, compared to 27 现金缓冲日 for the typical small business overall.
• Finding Three: Most employer small 企业 experienced unstable payroll and employment volatility including job gains and losses and other spikes and dips in payroll.
  • 38% of small 企业 experienced payroll changes that are likely more stable and small – perhaps taking on a part-time employee or changes in hours worked by employee(s).
  • 62% of small 企业 experienced changes in payroll that are less stable: large spikes and/or dips in payroll (possibly paying employee bonuses or catching up on a missed payroll expense) and sustained gains and/or losses in full-time employees that increase payroll volatility.
• Finding Four: The typical small employer business experienced substantial volatility in payroll outflows, 年轻的小雇主企业的波动性最高.
  • While most firms had payroll volatility that tended to reflect large payroll gains and losses that were greater than the equivalent of paying one full-time employee, their overall net payroll growth rate was still less than the equivalent of one full-time employee.
  • Payroll volatility was substantially higher for firms less than two years old than for firms greater than two years old.
• Finding Five: Small employer 企业 with more volatile payroll patterns tended to have fewer 现金缓冲日.
  • 小企业陷入低谷, 综合损益, 高峰和低谷都有最少的现金缓冲天数.
  • 有尖峰的小雇主是这个规则的一个例外, which may reflect 企业 that pay bonuses or commissions with growing revenues.

阅读更多关于 impact of payroll expenses on the financial stability of US small 企业.