Wellness concept Clients are expecting guidance on the new mix of wellness programs, and brokers who can demonstrate knowledge of these shifting trends will be able to offer a differentiated experience. (Image: Shutterstock)

"RTTO" may sound like a sci-fi character from a long time ago in a galaxy far, far away, but it actually stands for Return To The Office. Its impact on the workforce will challenge HR and benefits leaders in a variety of ways.

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