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A recent survey of workers found many have difficulties understanding health plan types, costs and terms.

It’s also worth taking a look at the types of PTO programs being offered — such as an overall bank of hours, separate vacation and sick time, or floating holidays — and ensure they best fit the workforce.

When leaders are aware of the types and categories of issues employees are bringing to ombuds, hidden opportunities for growth within the organization and its workforce may be revealed, according to Mary Rowe, Ph.D., an adjunct professor of negotiation and conflict management at the MIT Sloan School of Management, and lead author of the working paper , “The Most Serious Cases Reported by Organizational Ombuds: Data from Surveys and Interviews.”

PBMs are progressively exploring ways to incorporate those types of offerings into their own apps and services that they offer insurers and employers, which total rewards professionals can vet as they’re assessing vendor solutions — a timely task as health costs continue to increase .

;Four types of pay disclosure laws.

.; ;With each percentage point representing roughly21 million employees, the 3% drop from 2022 to 2025 suggests more than 60 million workers have become disengaged in just three years.; The decline in 2025 was geographically universal, with no world region showing improvement.South Asiasuffered the most significant blow, seeing a5-point dropin overall engagement.

Similarly, a recent study by the Employee Benefit Research Institute (EBRI) examining self-insured employers found that those with 100 to 999 employees were most likely, by far, to purchase stop-loss, with 93% of them using the coverage in 2023 — compared to 60% of businesses with 1,000 or more employees and 63% with 25 to 99 employees.

There are many types of profit-sharing plans, such as: ;Pro-rata plans (benefiting employees equally based on predetermined factors).; ;Age-weighted plans (awarding more significant portions of the profit sharing to workers closer to retirement).; ;Deferred profit sharing (contributing the profit sharing to a retirement account, such as a 401[k]).; ;Cash plan (making direct cash payments to employees).; The employer will need to determine what type of plan is best for the organization.

The current use of bonus opportunities (27%) and equity awards (19%) are highest during the growth phase.

What are the pros and cons of this type of transparency?