Overall Satisfaction
68%
↑ 4pts vs. prior year
Wasted Spend
23%
High use · low satisfaction
Missed ROI
31%
High value · low utilization
Est. Productivity Loss
$2.1M
WPAI-modeled absenteeism
Benefit Efficiency Matrix
Utilization × Satisfaction — all cohorts
Missed ROI
High value · Low use
● EAP
● Student Loan Assist
● Telehealth
Expand
High use · High satisfaction
● Vision / Dental
● PTO Policy
Redesign
Low use · Low satisfaction
● Digital Wellness
● Financial Wellness
Wasted Spend
High use · Low satisfaction
● FSA (Gen Z)
● Life Insurance Tier 3
← Low Utilization · High Utilization →
Satisfaction Score by Generation
Score out of 100
Gen Z
Ages 18–24 · N = 280
Digital-first · Wellness-focused
54%
Utilization
71%
Satisfaction
8.2%
WPAI Loss
Top Priorities
Mental Health Support
Student Loan Assistance
Flexible PTO
⚠ FSA — low complexity fit
✦ EAP — awareness gap
Millennials
Ages 25–44 · N = 380
Life-stage transition · Dual earners
67%
Utilization
68%
Satisfaction
11.4%
WPAI Loss
Top Priorities
Financial Wellness
Telehealth
Childcare Support
⚠ Life Insurance — oversaturated
✦ Financial Counseling
Gen X
Ages 45–54 · N = 240
Peak earners · Sandwich caregivers
72%
Utilization
62%
Satisfaction
14.1%
WPAI Loss
Top Priorities
Retirement Planning
Physical Health
Caregiving Support
⚠ Wellness App — low uptake
✦ Elder Care Resources
Boomers
Ages 55+ · N = 220
Highest utilizers · Health-intensive
79%
Utilization
58%
Satisfaction
16.8%
WPAI Loss
Top Priorities
Medicare Supplement
Chronic Condition Mgmt
Vision / Dental
⚠ Digital Wellness — low adoption
✦ Care Navigation Services
Utilization vs. Satisfaction — Cross-Cohort Gap
Higher utilization does not predict higher satisfaction
Gen Z
+17
Satisfaction over-indexes vs. utilization rate
Millennials
+1
Near-parity — balanced use and satisfaction
Gen X
−10
Utilization exceeds satisfaction — value gap
Boomers
−21
Largest gap — high spend, lowest return
Est. Cost Offset
$2.1M
If Missed ROI benefits activated
Avg. Absence Reduction
16%
Benefit users vs. non-users
Highest WPAI Burden
Boomers
16.8% productivity loss
Top ROI Driver
Telehealth
Highest cross-gen lift
Absenteeism Hours Lost / Week
Benefit users vs. non-users
Presenteeism Score
% impaired while working · Q1–Q4 trend
Gen Z 8% → 5%↓ Improving
Q1Q2Q3Q4
Millennials 11% → 8%↓ Improving
Q1Q2Q3Q4
Gen X 14% → 12%→ Marginal
Q1Q2Q3Q4
Boomers 17% → 14%↑ Needs action
Q1Q2Q3Q4
Gen Z
Est. Annual Cost Offset
$420K
14% absence reduction
Primary DriverEAP + Mental Health
Millennials
Est. Annual Cost Offset
$680K
18% absence reduction
Primary DriverTelehealth + Childcare
Gen X
Est. Annual Cost Offset
$590K
21% absence reduction
Primary DriverChronic Care + Flex
Boomers
Est. Annual Cost Offset
$410K
12% absence reduction
Primary DriverCare Navigation
Generational Playbook — Action Matrix
Recommended action by benefit and cohort · Scroll horizontally on mobile
Filter:
Gen Z
Millennials
Gen X
Boomers
| Benefit | Gen Z | Millennials | Gen X | Boomers |
|---|---|---|---|---|
| Mental Health / EAP | Primary priority |
Access + awareness |
Redesign Reduce stigma |
Redesign Digitize + simplify |
| Telehealth | High satisfaction |
Family coverage |
Chronic condition link |
Maintain Assist adoption |
| Financial Wellness | Student loan focus |
Mortgage / savings |
Maintain Retirement pivot |
Maintain Income planning |
| Childcare / Caregiving | Sunset Not life-stage fit |
Top unmet need |
Elder care too |
Redesign Shift to elder care |
| Digital Wellness Apps | Maintain Native channel |
Maintain Moderate uptake |
Redesign Low adoption |
Sunset Low interest |
| FSA / HSA | Redesign Low complexity fit |
Family spend value |
Maintain Established users |
High medical need |
Research Questions
RQ1Which benefits show high utilization but low satisfaction by age group? (Wasted Spend)
RQ2Which benefits have low utilization despite high interest, and why? (Missed ROI)
RQ3Which benefits demonstrably reduce absence and improve productivity? (Productivity ROI)
RQ4How should benefit portfolios differ by age cohort to maximize ROI? (Generational Optimization)
Validated Instruments
WPAI-GH
Work Productivity & Activity Impairment — General Health
Standardized 7-day absenteeism + presenteeism scoring. Test-retest r = 0.79.
USPQ-Aligned
Utilization of Services & Productivity Questionnaire
4-week functional improvement attributable to benefit use.
Efficiency Matrix
Custom Benefit Scoring Framework
Utilization × Satisfaction composite. Classifies into Expand / Maintain / Redesign / Sunset.
Demographics
Generational + Employment Context
Age group, job level, work arrangement, care responsibilities, retention intent.
Five-Phase Analytical Plan
01
Descriptive Segmentation
IRB approval, survey finalization, sampling frame. Utilization patterns by generation, life stage, and work context.
02
Data Collection
N = 1,000–1,200 full-time employees. Power analysis: Cohen's d = 0.25, 80% power, α = 0.05.
03
Productivity Modeling
WPAI scoring: absenteeism vs. presenteeism by benefit user status. Logistic + linear regression models.
04
Efficiency Matrix + Cost-Offset · Month 8
Utilization × Satisfaction scoring. Benefit ranking: top 3 expand, top 3 redesign, sunset candidates.
05
Generational Playbooks
Tailored recommendations per cohort. Stakeholder presentation of actionable benefit portfolio decisions.