Employees have access to more employer-provided benefits and services than ever before. From typical health insurance and 401(k)s to wellness and employee assistance programs, employers are increasingly using their benefits and human resources services as a powerful tool for employee recruitment, retention and corporate engagement.

While brokers and their clients are constantly reviewing and updating their benefits offerings to best serve their employees, those same employees are often unaware of those benefits, much less how to make them a part of their daily lives or find them when they need them. This poses a critical issue for employers, as it inhibits their ability to realize the greatest return on their investment — both from a financial and corporate culture standpoint.

Consider wellness programs as an example. For years, employers and brokers have focused their attention on programs designed to help employees improve their health and well-being. While these initiatives have made a difference in some employees' lives, too often they fall well short of their intended goals.