When employees do have questions, they can call a 1-800 number for customer service where they may be put on hold, sometimes transferred to another department.

The program gives employers an additional chance to identify operational errors and self-correct them after the plan has been targeted for audit.

"Customers are beginning to embrace their retail pharmacy as a hub for a broad range of routine health and wellness services," says Christopher Lis, J.D. Power's managing director of global health care intelligence.

A new survey finds a "comfortable retirement" may be out of reach for many Americans.