Accenture tells us to move away from a product-centered model. They see products as being commodities from the customer's viewpoint, with service and personalized focus on the customer being much more important.

Think of how we structure enrollments. We target messages aimed at employees in a hierarchy based on general needs to specific. We make the enrollment process as simple as possible so employees can sign up in a matter of minutes. We center the enrollment discussion and educational tools on the employee and their needs.

Based on this, we don't seem to be as far behind the curve in the voluntary world as might be perceived. But we still have work to do. We'll continue to fine-tune our use of enrollment data to make our offers more relevant at the individual employee level. We'll find ways to use social media more effectively. We'll continue to focus on making the enrollment experience more engaging. In brief, our 2015 planning will succeed if we keep centered on the consumer and continue to touch the central needs of as many eligible employees as possible.