When employees get their open enrollment materials and forms around this time of year, many are so overwhelmed that they simply glaze over and forgo any new decisions, opting instead to go with what they had last year.

And as recent surveys have shown, many regret missing opportunities to participate in additional voluntary benefits, such as tax-advantaged benefits, which can help them save up to 40 percent on their routine and unavoidable health, dependent care and commuter costs.

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