Real compensation includes these items below and in typical cases employers say they pay 30-35% in benefits, 65-70% in wages: - gross wages and salaries earned

Real compensation includes these items below and in typical cases employers say they pay 30-35% in benefits, 65-70% in wages: - gross wages and salaries earned by employees and payable in cash. - cash allowances, overtime pay, bonuses, commissions, tips, and gratuities if paid by the employer to the employee. - remuneration in kind paid by the employer to the employee valued at purchaser's prices, including meals and drinks, personal accommodation, uniforms worn outside of the workplace, vehicles or other durables provided for the personal use of employees, free personal travel, free personal fuel, recreational facilities, transport and parking subsidies, and creches for the children of employees. - real or imputed social contributions and income taxes to government payable by the employee in respect of employment. the value of the social contributions in respect of labor hired, which are paid by employers – these may be actual social contributions payable by employers to social security schemes or to private funded social insurance schemes for employees; or imputed social contributions by employers providing unfunded social benefits. - income of students from paid work, including the value they contribute through work for an educational institution. - income received by shareholders who are also employees of the corporation, and who receive paid remuneration (e.g. stock options) other than dividends. - income by outworkers who are paid by an enterprise for work done. - the value of the interest foregone by employers when they provide loans to employees at reduced, or even zero rates of interest for purposes of buying houses, furniture or other goods or services. My guess is you don't take advantage of all those items but your 'real compensation' includes it. Companies are paying you 30% in benefits that they retain. Yes there will always be freebies, but those should just be that freebies, nothing to do with personal health insurance and healthcare. Just pay people more.