Employers spend thousands per employee on benefits, but what if a significant percentage of that spend is quietly going to waste?

Despite rising investment in digital tools, wellness programs, and customized plan designs, many employees remain confused about what they’re enrolling in and why it matters. The result? Misaligned coverage, financial stress, and a long tail of missed opportunities for everyone in the benefits chain.

According to our recent survey, 3 in 10 employees say they don’t fully understand their benefits, and even more admit they’re just guessing during open enrollment. For brokers and consultants, that’s not just a user experience problem. It poses a significant risk to long-term employer ROI, retention, and renewal.

When employees don’t recognize the value of offered benefits, participation stalls, healthcare costs rise, and HR teams must field basic questions that should’ve been solved during enrollment. This confusion snowballs into disengagement, and disengaged employees tend not to stay long.

Smart brokers are reframing benefits not just as a “package” but as a key part of an employee’s financial foundation. When guidance tools help individuals connect choices to real-life goals such as buying a home, paying off loans, and saving for retirement, benefits offerings shift from overwhelming to empowering.

Bottom line? Clarity leads to better choices. Better choices lead to higher ROI. It’s a win for everyone.

Download our Blindfolded Benefits report for more eye-opening stats, or let’s connect on how decision support can strengthen your strategy heading into open enrollment. Click here to schedule a 30 minute chat. Or simply call 781-583-7017 or email at sales@savvifi.com.