Joan Is Finding That Her Current Benefit Package Does Not

Short Answer

Joan is finding that her current benefit package does not meet her needs as it appears to be a "one size fits all" approach. What would Joan likely recommend to her employer to improve her satisfaction with the benefit package?
Impose a wage and salary freeze in order to expand the benefits offered
Use a cafeteria benefit plan and let the employee select the benefits within a set monetary limit
Lower commission rates for sales people in order to expand the benefits offered
Pay employees an additional amount in order to purchase their own external benefits plan
Offer only the benefits that are required by law