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That is what the latest research from ARAG Legal Insurance set out to understand.

Key catalysts include: ;Fintech-powered recordkeeping platforms that bring low-cost scalability to small employers;; ;Positive legislative and regulatory incentives , as mandated in the Setting Every Community Up for Retirement Enhancement (SECURE) Acts ;; ;The continued growth of multiple-employer plans (MEPs) and pooled-employer plans (PEPs) that streamline administration and fiduciary oversight; and,; ;Increased awareness of individual retirement accounts (IRAs) driven by state auto-enrollment programs , prompting small employers to adopt their own qualified plans, and for those that do not, enrolling employees in state-sponsored auto-IRA programs.; Together, these developments will widen the reach of the DC system and help close the coverage gap, especially for gig-economy and small-business workers who have traditionally lacked access to formal retirement savings options. 5.

In addition, technology budgets are set to rise for 75% of CFOs, and 48% plan increases of 10% or more, underscoring the strategic importance of digital transformation, AI adoption and cybersecurity.

By subdividing the data set by relevant characteristics, it can be determined if the underlying causes are an issue.

.; ;Formally normalize boundary-setting , discourage chronic overwork, and treat unused paid time off (PTO) and after-hours activity as people-risk indicators rather than dedication.; ;Offer a confidential, low-barrier way for employees to signal early exhaustion or emotional strai n, ensuring conversations can happen well before burnout becomes a crisis.; If saying something out loud feels unsafe, that is, in itself, a signal worth paying attention to.

Employer-provided laptops may have security settings that block required features of the exam platform.; Internet & Equipment Internet speed of at least 300 kbps download and upload is required.

While many organizations have been focused on annual pay equity analysis and addressing disparities found, comparable analyses leveraging the same or similar data can be run concurrently to identify a set of actions, beyond remedial pay adjustments, to promote workplace equity and reduce the broader pay gap.

It means most of these plans were set at the end of 2025, signaling employers are less-than-optimistic about the outlook for 2026,” said Andy Challenger, the chief revenue officer for Challenger, Gray & Christmas.

Sharell Thomas, the total rewards director at Tides Network, a San Francisco-based nonprofit and philanthropic organization, believes bonus programs are set up to either succeed or fail.

“This education offering adds to Citi’s extensive set of benefits that support our colleagues personally and professionally.”