WHAT WE’VE LEARNED ABOUT EMPLOYERS • Human Resources departments are much smaller today and want a supplemental insurance partner to deliver consistent benefits communication and enrollment support. • With the number of employees planning to stay in their current positions falling from 62% in 2003 to 59% in 2004, organizations are becoming more interesting in voluntary benefits to maximize their offering. • Most employers today offer one or more voluntary benefits, putting competitive pressure on their peers to expand their voluntary offering.