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Beware of Consumer Scams After a natural disaster, unscrupulous vendors can prey on those under tremendous stress.

. ; ;Evaluate vendor partnerships by conducting analytic performance reviews, audits and marketing to identify the best financial optimal partners to meet objectives . ; ;Prioritize micro-strategies for the key cost drives balancing attraction and retention.

Benefits utilization reports from internal databases and external vendor reports should show who uses the benefits (by age, gender, etc.) and how often.

Often, these solutions utilize a mix of internal programs and external vendor platforms, addressing the interconnectedness of well-being.

;Look for inefficiencies , such as limited integration of reward programs and vendors, and offer a centralized rewards hub that is easy to access and use.

., and through cross-promotions with vendor partners (e.g., fertility, wellness, advocacy).

We identified and partnered with a vendor that could handle access for our 36,000 employees globally, whether they are sitting at a desk or on-site at one of our plants, and could provide employees with access to personalized programs, tools and coaching to help them improve their overall well-being.

For example, ready-to-purchase buyers often seek solutions, research vendors and make purchase conclusions before contacting a salesperson.

To address this, companies like Peloton, for example, work with vendors to help employees with student-loan debts through programs similar to a 401(k) match.

(See our 2023 SPM Vendor Guide to start gathering information.)