1、insightsfrom theexpertsUS BenefitsTrend Report 2023 2023 NFP US Benefits Trend Report :1 Table of ContentsA Letter from Kim .2Key Takeaways .4Holistically Mitigating the Effects of Cumulative Stress.6Balancing Employee Needs:Aligning Culture and Benefits for Better Results .18Maintaining Affordable

2、Benefits:Cost-Effective Strategies and Solutions to Reign In Rising Costs .32Plan Benchmarking Data Snapshot.46About the Data .57About the Experts.582 :2023 NFP US Benefits Trend ReportA Letter from KimIn the face of economic uncertainty,employers remain driven by opportunities to provide comprehens

3、ive benefit solutions that positively impact their employees lives.There are challenges,including ongoing turmoil in the labor market,a world working to fully recover from a global pandemic and intense pressure to reduce costs.But there is tremendous value for employers that take a more proactive ap

4、proach to caring for and supporting their employees.NFP continues to help clients achieve better out-comes by guiding their re-evaluation of what it takes to provide affordable,comprehensive benefit solutions.We reiterated this commitment earlier this year with the launch of our Human Capital Soluti

5、ons business,which rep-resents our focus on providing integrated and sustainable solutions,especially in an environment with no shortage of obstacles.The NFP US Benefits Trend Report is a central ele-ment of our efforts.The insight and solutions we offer are informed by an understanding of whats hap

6、pening in the world,what employers are trying to accomplish and the barriers in their way.From there,we help employers better align benefits with employee wants and needs,develop strategies to contain costs and demonstrate a genuine care for the holistic well-being of their workforce.With data we co