Age and gender are heavily contributing factors to whichemployee benefits workers would choose, if the choice were up tothem.

Read: How to match voluntary benefits to boomers,Gen Xers, and millennials

That’s according to research from MassMutual that found that thegeneration they belong to, and theirgender, make workers’ choices of benefits complicating factors fortheir employers.

While, overall, 47 percent of American workers age 18 and olderprefer more vacation time, with 44 percent preferring better 401(k)matches, when you break it down further that’s not necessarily howit plays out.

Read: Enrollment best practices bygeneration

Boomers and millennials, for instance, would prefer more timeoff from work, while GenXers want better retirement benefits.

And while men would definitely go for that time off, women wouldrather have better quality health benefits.

But that doesn’t mean it’s all about one thing or another.

While 50 percent of boomers said they wanted more time off,after that it’s all about money and health:

• 43 percent want better 401(k) matches

• 43 percent want health care coverage expanded

• 38 percent say health care coverage should be free

• 24 percent want a greater range of investment choices for theirretirement plans

Millennials, on the other hand, mayagree on the vacation time issue but then diverge from boomers’choices:

• 43 percent want flexible work schedules

• 30 percent want tuition/education reimbursement

GenXers, meanwhile, agreed withboomers on wanting better 401(k) matches (47 percent) and afterthat would like to have more vacation days (44 percent).

Women are looking for better benefits packages in general,considering how their choices spread out:

• 44 percent wanted more vacation time

• 40 percent opted for better 401(k) matches and for flexible workschedules

• 37 percent wanted to see expanded health care premiums

• 31 percent wanted free gym memberships (31 percent)

They aren’t as interested as men in a broader range ofinvestment options within their retirement plans (18 percent of menwanted that, compared with just 11 percent of women).