Keeping things where they are to save your job when you have money savings at stake should be criminal. CFOs who have never seen a benefits expense report to analyze data for benefits trends of the company's benefits spend should also be criminal.
Middle-market companies are renewing their health plans right now, and most don't look outside of a square box for answers. HR does not want to upset the executive board or the employee base. Yet at the same time, they could be overspending by $300,000 a year; multiply that by the last ten years, and you have millions of dollars overspent. Is your HR worth about $3,000,000 to keep the status quo?