With the way the economy is going, yes, you do have to pay for some of your benefits but only partial (20% max, I think) and with that said, it really isn't that bad. I pay about $100/mo for my dental and medical benefits.
Benefits offered were good, but you got over $100 taken out of your paycheck every 2 weeks, so you better be getting sick others that money is going down the drain. Also, if you are sick, your manager still asks you to consider coming in because she doesn't want to be helping out the staff and would rather have a sick person work with prospects.
Quarterly Bonuses goals are difficult to achieve but you have a chance at them.
Employee benefits are good, don't plan on adding your family though--way too high of monthly premiums.