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Level 1: Hacks in income of $100 at the end of every round.
Level 2: Income increased from $100 to $150 per round.
Level 3: Biohack Activated Ability - For 6 seconds, grants +1 damage to the nearest 4 Monkeys. Affected Monkeys are disabled from attacking for 2 seconds after the buffs expired. Cooldown is 30 seconds.
Level 4: Skimming - Earns +$1 for every new Bloon spawned.
Level 5: Bank Hack - All banks earn +5% income.
Level 6: Cyber Security - Restores 5 lives at the end of each round up to maximum.
Level 7: Bloon Trojan - Every 5-7 seconds sends a Trojan software virus to random Bloon. Affected Bloon spawns no children when destroyed and produces extra cash (+rank). If target is destroyed before the Trojan reaches it, it can choose a different target. Cannot target Camo Bloons.
Level 8: Income increased from $150 to $250.
Level 9: Bank hack increased from +5% to 12%.
Level 10: Syphon Funding Activated Ability - For 10 seconds, downgrades all new Bloons other than DDTs or BADs by one rank, and downgraded Bloons give double cash. Cooldown is 65 seconds.
Level 11: Income increased from $250 to $300.
Level 12: Skimming increased to $2 per Bloon.
Level 13: Biohack adds +2 damage to 6 Monkeys for 8 seconds.
Level 14: Cyber Security adds 10 lives per round and can go up to 100 over starting lives (except on Impoppable and CHIMPS).
Level 15: Income increased from $300 to $500.
Level 16: Bloon Trojan is sent every 3-4 seconds and produces more cash (+2*rank).
Level 17: Income increased from $500 to $800.
Level 18: Bloon Trojan can affect BFBs, DDTs, and Camo Bloons.
Level 19: Biohack adds +3 damage and lasts 9 seconds with no cooldown.
Level 20: Syphon Funding lasts 20 seconds and cash per pop is tripled for affected Bloons.
Especially in Co-op, many heroes feel quite lackluster due to the shared XP causing them to never reach substantial levels and you have to wonder if 4 lower level heroes are actually better than a single higher level one. They often actually aren't.
The reason is that most other heroes gain their most massive boosts in the last few levelups.
The most extreme example for this would be Psi. When you compare 4 level 12 Psis to one level 20 one, the high level one can kill 3 ZOMGs at a time, not to mention being able to wipe out entire rounds with the level 10 ability, only excluding BADs. The lower level ones can only target Ceramics at most, which is pretty useless past round 80.
With Bens, on the other hand, the answer is always that more of him is better than one, since his main purpose is making money and multple Bens always make more money than a single one.
Anyway, the problem isn't and never was Ben. It's always been a problem with the players using him in your games not knowing when and how to build what kind of a defense.