Like studying for an exam, regular, intentional communications are more effective for open enrollment than a last-minute blitz.

In addition to traditional health care and retirement offerings, modern benefits plans must help employers and employees address a variety of new challenges, including data protection and other difficulties presented by today's digital landscape. Moreover, understanding the increasingly multi-generational workforce, their differing needs and how to create employee benefits strategies that suit this diversity is critical.

Employers are increasingly providing loans to employees in an attempt to combat the negative effects of financial stress.