The new year always brings out a sense of urgency in people. It seems absurd that with the dropping of a ball, we suddenly feel the need to change something, and moreover, do it to the extreme–whether it's beginning a new exercise regimen, completely changing our look, taking on a massive remodeling project, or something else that requires a lot of effort.
We all know how these "resolutions" often turn out. But in 2011, Americans face some changes to their income and benefits where a sense of urgency can be a good opportunity to better their finances. 
Plan providers can increase plan participation by communicating to clients and their employees about how to use these changes to better manage their benefits plans. Consider a big change in 2011: the payroll tax cut from Social Security.
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