Pros
Privately held, they "Do the right thing" for customers. Though changes take a lot of time to happen, they are on the right path. They are very innovative and have been very successful over the last few years at using technology to build scale and profitability. The benefits are fabulous, especially the profit sharing and match for 401k contributions. Great to work for a private company that is not totally concerned about profitability and earnings from one quarter to the next. Company is conservatively managed so they have not gotten tripped up by the credit debacles. Growing company which has a great future.
Cons
Somewhat political in promotion processes. Probably could make more money elsewhere though the position would be less secure.