This report shares large employers’ opinions of and experiences with employee benefits carriers. This Briefing is based on the results of an online survey taken by 1000+ HR decision-makers at organizations with 5,000+ employees. This exchange contains similar topics and questions to a special online exchange conducted in Q1, 2023 among about 1,000 group employee benefits brokers and consultants, and another conducted in Q1, 2022 among HR decision-makers, and where possible, results of the three studies are compared.