The benefits of moving quickly to identify skills to build include working with new technology and getting a product launched sooner.

Employers are adding more to benefits plans and employees aren't using it. That's money leaking out of the plan.

The employee benefits market is increasingly shaped by trends that include regulatory volatility, shifting compliance priorities, accelerated cost pressures and ever-evolving workplace demands.

This projection marks the fourth consecutive year of elevated health care cost trends approaching double digits and extends one of the most sustained periods of health care inflation employers have faced in decades.