I can only speak for a FT office employee:
High deductible Health Plan
Short Term and Long Term Disability Insurance
Good PTO and paid holidays
Yes, but they keep you right under the hours so you have a hard time getting benefits, Usually 2 or 3 clients would get you in that bracket.
Two weeks per year with ability to use extra time if needed before it is earned.
If I missed a day due to being sick I lost pay, I could not really afford to get sick, I could not be around my clients if I were sick so very rarely or if I was way to sick to work I lost money.