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"By taking a realistic look at your health status and health care expenses as part of your overall retirement plan and budgeting accordingly, you position yourself to enjoy a less stressful, financially healthier retirement," the report said.

Too often, Ben Link says, the plan's actual value depends on what the PBM does to the parameters.

WTW is seeing at least temporary signs of employer GLP-1 coverage stability at a time when other benefits firms are reporting signs that the cost of covering the drugs for treatment of obesity may be unsustainable.

"Though they provide health information in different ways, the growing use of these technologies suggests that adults are looking beyond traditional health care sources," according to KFF officials.

Moreover, satisfying that workforce demand may affect employee performance and wellbeing, leading to measurable business impact.

Analysts predict more competitive contracts would cut plan sponsors' costs by an average of 6.5%.