For most Americans, November means football, friends, and family. But, for benefits brokers, November is notable for another reason…Open Enrollment.

For months, benefits brokers have been working behind-the-scenes with clients to help build tailored benefits plans that meet employees' needs. While every year presents unique challenges when thinking through how to build optimal offerings, the stakes have never been higher—new research from Guardian's Mind, Body, and Wallet™ report found that employee wellbeing has hit a 12-year low.

For employees, the primary contributor to that wellbeing decline has been economic and personal finance- related concerns, from overall economic uncertainty to inflation and paying off debt. These stressors are subsequently impacting employee mental and physical health, which collectively influence total wellbeing.