Opportunity: EAP (12% utilization), 529A accounts (8% awareness), and flexible PTO (34% usage) represent significant untapped value.

Success: AI successfully connects employees to existing resources in 89% of conversations, avoiding $23K in new gesture spending this month.

Opportunity: Connect eligible employees to state childcare assistance, disability support programs, and community mental health resources.

Implementation: 7 families with special needs children could benefit from 529A account setup and contribution matching programs.

Quick Win: Create direct EAP access button in employee portal and simplify phone tree navigation based on barrier feedback.

Strategic: Quarterly benefit spotlights focusing on most underutilized but high-value programs, starting with childcare assistance.