Yes, but that's only if you discount that whether the employer or employee pays for it as a fungible difference. If it wasn't setup as the employer paying for

Yes, but that's only if you discount that whether the employer or employee pays for it as a fungible difference. If it wasn't setup as the employer paying for 1/2 of it, do you not think that most workers would want to be paid 7.5% more to pay it?