Employees have access to moreemployer-provided benefits and services than ever before. Fromtypical health insurance and 401(k)s to wellness and employeeassistance programs, employers are increasingly using theirbenefits and human resources services as a powerful tool foremployee recruitment, retention and corporateengagement.

While brokers and their clientsare constantly reviewing and updating their benefits offerings tobest serve their employees, those same employees are often unawareof those benefits, much less how to make them a part of their dailylives or find them when they need them. This poses a critical issuefor employers, as it inhibits their ability to realize the greatestreturn on their investment — both from a financial and corporateculture standpoint.

Consider wellness programs as anexample. For years, employers and brokers have focused theirattention on programs designed to help employees improve theirhealth and well-being. While these initiatives have made adifference in some employees' lives, too often they fall well shortof their intended goals.