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More details about effective benefit communication techniques are available on the right.

1. Employees’ appreciation of your health plan would increase if they knew…?
A.  Their premium.                  B. Their co-pay.
C.  Their deductible.               D. Their out-of-pocket maximum.
E.  The amount the employer pays for the coverage.

2. What’s the most expensive purchase most employees will ever make?
A. House.                           B. College for kids.
C. Car.                                D. Retirement income.

3. $100,000 in a 401k for someone retiring at age 65 will assure monthly payments for life from the account of…?
A. $333.                            B. $555.
C. $777.                            D. $1,000.
5. $1,500.

4. The biggest challenge of introducing a consumer-driven health program is explaining the…?
A. New high-deductible plan.         B. New health account.
C. Changes in premiums.               D. Similarities of a flexible spending account with the new account.
E. Upside down nature of the program.

5. The most important measure of a 401k or 403b retirement plan is…?
A. Average contribution rate.               B. Average participation rate.
C. Average plan account balance.         D. Benchmarked data of plan provisions.
E. Individual employee success.

6. Who can best determine the value of benefits for employees?
A. Individuals covered by the plans.          B. Actuaries.
C. Insurance experts.                               D. Benefit statement providers.

7. What percent of 401k plan sponsors say most of their employees are/will be financially prepared for retirement?
A. 13%                              B. 26%
C. 53%                              D. 79%
E. 93%

8. Who is best able  to tell naive employees ‘the number’ or the ‘replacement ratio’ they will need to retire?
A. Registered investment advisers.    B. Sophisticated web-based programs.
C. Pension actuaries.                          D. Retirement experts who conduct employee meetings.
E. Individuals who estimate the realistic cost of their own retirement dream.