The employee benefits and retirement industry is in for some tough challenges this year — and they don't necessarily involve just insurance mergers or chaotic markets.

Instead, according to Bitdefender, security issues from a range of cyber and technology threats can put companies' businesses at risk — not to mention making customers very unhappy.

So what might lie ahead?

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

C.J. Marwitz

C.J. Marwitz is a writer and editor.