While employer costs for their workers’ health care plans continue to rise, their share of workers’ retirement costs continue to decline. But at what point does that trend negatively affect productivity, and ultimately the employer’s bottom line?

Willis Towers Watson addresses that dilemma and other benefits trends across industries in its report, “Shifts in benefit allocations among U.S. employers.”

“Delivering a benefit package that employees value has never been more important, as employers struggle to retain key employees at a time when compensation budgets remain flat,” the study says. “Uncertainties about their own prospects as well as the broader economic landscape have made financial security more valuable to employees and their families. Failing to address employees’ concerns could become a drag on employee engagement and productivity, ultimately hurting employers’ bottom line.”