Temp agencies seem to be worse. They offer the worst health care and 401K plans in existance.
A health plan that has NO out of pocket maximum? That only has the Maximum it will pay instead, such as $25/ per perscription, $250 for a hospital stay, etc. Seriously, this protects the employee none against any high cost medical needs. Anyone who has had a medical stay at a hospital and seen the bill will know that $250 for the visit barely dents the bill. Diabetic? $25 for your supplies and perscription is only a small co pay the insurance pays, not really protecting the employee with any meaningful insurance. Seriously, I would be far ahead to self insure at the rate the insurance pays in the event of any medical need. Why pay the premium for a plan that pays next to nothing?
On a tem agency 401K, I reviewed a plan that has 0 employer contributions and a $250/quarter maintenance fee on top of some other fees. Seriously, with fees like that brudening the account, how the **** is it possible to grow enough equity to earn enough interest to even cover the fees, let alone grow. I hate to say it, but a 401K in a Passbook savings account would be much wiser as the account is not heavly erroded by fees.
When consioering a temp agency, be sure to examine their "Health Plan" and "401K" offerings. Many of the benifits are worse than no offering at all.
Take any offerings and see your finincial planner. They will be able to direct you into plans with much less damaging fees.
Your benifit plans should not be a huge liability.