Automatic enrollment and automatic annual increases have driven participation rates in 401(k) plans held by Vanguard to an all-time high with record plan participation of 83% in 2022, according to a new report.

When doctors encourage informed referrals to specialists who can demonstrate lower costs and better outcomes, this can have a significant impact on VBC program costs, sometimes resulting in millions of dollars of annual savings.

Those 65 and older joining Medicare for the first time can buy a supplemental, or "Medigap," policy, which covers many out-of-pocket costs, such as deductibles and copays, which can be substantial.

According to officials with SelectSoftware, the findings reflect that there can be significant differences among states in employee happiness.