"The internet and use of mobile devices creates an opportunity for third-parties like insurance companies or benefits brokers to reach a large group of people in an easier way. The internet can effectively be used to educate people and provide information on demand. Yet, for the most part, this does not happen in the benefits industry because few carriers or brokers have recognized that this is their job and therefore have not developed the capability to engage the employee in an effective way via the web and mobile."