Take the time to identify what's important to people. Is it industry recognition? Finishing their degree?

"Our priority, our duty should be to Connecticut families and residents and small businesses, to protect them to make sure they don't have to pay more for health insurance and health care than they have to," Attorney General William Tong said. "And to ask, and to even require, the health insurance companies here today to do all they can to really serve their customers and not just extract as much as they can."

The use of technology can expand access to retirement plans for those most reluctant to opt-in: millennials and Gen Z employees.

"Because health plans typically have multi-year contracts with health care providers, we haven't felt the full effect of price inflation in health plan cost increases yet," says Sunit Patel, Mercer's chief actuary for health and benefits.