This is another great point. When the employer controls benefits, they choose an average/bulk/bundled solution which may not cater to the needs of all employees

This is another great point. When the employer controls benefits, they choose an average/bulk/bundled solution which may not cater to the needs of all employees. It is improbable to be completely inclusive. Better to give every employee a static dollar amount and let them choose exactly what works for them from a competitive marketplace. In my opinion, we should do whatever maximizes product-market fit.