"Driven by the ever-increasing march of automation, the working week has evolved from six or even seven days a week in the early 1800s to today's 40-hour, five-day week," said Josh Bersin.

For employees to take advantage of their FSA accounts, they need to understand the benefits of doing so.

Over a third of managers said their time is spent "completing HR activities" that impede their ability to focus on people-related management tasks.

Brokers need to play a stronger consultative role by reminding their clients that HR already has a proven weapon to help combat employee dissatisfaction: core benefits.