To reiterate, carefully evaluate the goals and the design of such program, to maximize the chances for savings on health premiums and for increased employee efficiency, minimize the risks of discrimination claims, and attract universal participation by all employees.

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Webster (a 5-4 decision) upheld major parts of a Missouri abortion law that prohibited the use of public facilities or the participation of public employees in abortions, and required doctors to test the viability of the fetus before an performing any abortion.

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These more intimate settings can often empower employees to recommend creative ideas to increase participation and ultimately enhance the experience for all.

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The Simplified Employee Pension (SEP) and the Savings Incentive Match Plan for Employees (SIMPLE) both include employee participation, as does the traditional 401k.

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Yet even with incentives participation rates are underwhelming, meaning employees are leaving cash on the table.

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The Hewitt study found that the participation rate--the percentage of employees eligible for 401(k)s who contributed to them--was unchanged from 2008 at 74%.

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Reaping the greatest benefit from fully integrating social mechanisms in your business means deeply encouraging participation with the tools that make it possible, for your customers and your employees.

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