随着医疗成本的上升, 就业市场萎缩, 以及多代同堂的劳动力, navigating the world of employee benefits has never been so complicated or as important. 吸引顶尖人才 意味着提供有竞争力的福利, 但随着今天劳动力的变化, 这些福利待遇可以有很多不同的形式. Here are some challenges and trends that are emerging in the changing landscape of employee benefits.

劳动力变化带来的挑战

各个年代的需要

目前的劳动力由五代人组成, all with different needs and desires when it comes to employee benefits.

  • 传统主义者- - - - - -Many of these employees came into the workforce with cradle-to-grave benefits that may no longer exist. These workers need plans to help them retire and education on why some of their benefits may have changed.
  • 婴儿潮一代和X一代These two generations are serving as the primary caregivers of their children or aging parents, 同时也展望着自己的退休生活. Both of these groups tend to like traditional benefits that help them pay for their rising healthcare costs and saving for retirement.
  • 千禧一代-Millennials are just beginning to have families and plan for their futures, 将重点放在探亲假和医疗福利上. Still, most Millennials prefer low-cost health insurance options. There is also an increased focus on retirement savings as more Millennials are contributing to 401(k)s. 根据 皮尤研究小组, younger workers have higher balances in their 401(k) or 403(b)s, 比x一代在相同年龄时的表现要好.
  • Z一代,This newest generation is just starting to enter the workforce and has shown a greater desire for lifestyle benefits that help personal and professional growth. This very young group of employees favors benefits that have an immediate payoff rather than those that address future needs.

成本上升

医疗保健 costs have risen dramatically over the last 20 years, making employer-sponsored health programs even more attractive to job seekers. Businesses-particularly, small ones—are being forced to come up with new and creative ways to pay for these expensive plans.

工作场所的转变

Job seekers are becoming more flexible as quality benefits packages can be more important than a certain job title or salary. 根据 大都会人寿员工福利趋势研究, 69% of employees say having a wider array of benefits would increase loyalty to their employer. 其中一个好处就是可以选择在家工作. This along with other benefits can determine whether someone applies for a position or decides to move forward.

福利的新趋势

一些传统福利仍然很有价值

Even with the job market changing, employees still value traditional benefits. These include disability insurance and retirement savings plans, such as 401(k)s.

“生活方式”福利的兴起

尽管传统的福利仍然很重要, younger employees are driving the rise in soft benefits and perks, including more paid time off and the option to work from home. Lifestyle perks like gym memberships and tuition reimbursements are also on the rise.

增加福利教育项目

More companies are starting to provide benefit education programs that encourage a healthy lifestyle. 虚拟健康检查也有所增加, 减肥计划和心理健康检查. Wellness programs tend to have high employee engagement and help reduce healthcare costs for companies and employees, and the ability to provide some of these virtually can be even more cost effective.

创新医疗保健解决方案

With a multigenerational workforce, healthcare needs among employees are more varied than ever. To accommodate these diverse needs while being mindful of costs, most companies are providing high-deductible health plans and supplemented with Health Savings Accounts.

外判福利管理

With the overwhelming number of options now available in benefits packages, more companies are outsourcing the management of employee benefits. Employee Benefit Brokers can customize plans for any business and then negotiate benefits packages with insurance companies. Choosing the correct broker comes down to the services they offer. While some will only take care of negotiations and building of the benefit packages, LBMC就业伙伴 handles all benefits administration for our clients. With us as your broker, even a small business can offer Fortune 500 employee benefits.

LBMC就业伙伴 houses experts equipped to handle all benefits administration needs. 明升体育app下载 when you are ready to see why we were named a 纳什维尔 Area Top 员工福利 Consultant for three consecutive years.

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“It has been great to partner with a team of people that have expertise in various fields of payroll, 人力资源咨询, 和福利. The staff is responsive to our questions and needs and assists us in strategic planning in these areas.——布伦特伍德联合卫理公会教堂

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