Offer choose: Middle size firm or smaller size firm?

The smaller firm have insurance option. Just the coverage is not that good. so I choose to bargain a higher salary without insurance because I already have my insurance covered under my family’ company. The bigger firm is about 120 people in total. Just most of their audit job is in non profit and labor union, employees benefits plan, etc. not sure whether it’s a good choice. Also, bigger firm offer this amount of money in NYC, which means I have to pay higher rent there. Even though I love NYC. The smaller firm is In NJ and I do not need a move, which saves a lot of money. Not sure whether bigger firm pay you a bonus if they pay you overtime. I didn’t see bonus in offer letter.

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