Over the last 20 years, the Employee Benefit Research Institute (EBRI) has surveyed employees to understand what types of benefits they value, how satisfied they are with those benefits, their perspectives on health benefits and health care, and the future of employee benefits. The 2018 survey found:
* Despite a tight labor market, fewer employees reported that their employers are offering benefits. Health insurance remains the most frequently offered at 78 percent, followed by dental insurance at 68 percent and retirement savings plans at 67 percent.
* Likewise, fewer workers received benefits from their employers in 2018 compared to 2017. Declines were seen in 8 out of the 10 most popular benefit offerings.
* The percentage of employees accessing voluntary benefits was only 12 percent. Of that, 61 percent said that they do so because it is less expensive to buy it through their employer than on their own--more than the 51 percent who cited this reason in 2017.
* More employees were stressed by the prospect of not saving enough money for retirement than about any other financial concern that might be addressed through employee benefits. This included paying monthly bills or managing debt. Baby Boomers were more likely than Millennial to report that saving enough for retirement causes financial...