Effective communications of benefits information to employees is critical if employers are to realize sufficient returns on their benefits investments. Research makes it clear that current employees and job applicants often have a very poor idea of what benefits provision are already in place and the cost or market value of those benefits. One study asked employees to estimate both the amount contributed by the employer to their medical insurance and what it would cost temples to provide their own health insurance. In the case of family coverage, employees estimated that the employer contributed $24, only 38 percent of the employer’s actual contribution. This employer was receiving a very poor return on its benefits investment: $0.38 for every $1.00 spent. Other research shows that less than one-third of employees feel their employee benefit communications are effective.