> Financial first: deferring compensation from continuous throughout the year to a lump sum at the end is essentially getting your employees to lend you money.

> Financial first: deferring compensation from continuous throughout the year to a lump sum at the end is essentially getting your employees to lend you money. Also, when the bonus comes in it is paid out in two portions - one immediately, and one six months later. This helps retention, since there is always a carrot for the employee to look forward to every six months.