Employer-Paid

Nearly half of all Americans who have retirement savings in a 401(k) or similar plan say they probably would not save for retirement otherwise.

Their top reasons for staying include satisfaction with their current job or pay, economic uncertainty and a belief that a better opportunity doesn't exist.

Employers are clear about the problems they want benefits to address, with one-third wanting to improve employee wellbeing and 30% wanting to provide competitive benefits packages.

Historically, benefit costs have been the most volatile component of compensation, often rising sharply during economic downturns.

A new report shows that the PBMs' critics have already won most of the other high-profile fights.

The critics say the arbitrators are awarding sky-high payments without even explaining why.