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.

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