The big items are also probabilistic events likely related to a lot of underlying health circumstances. If cancer or heart surgery can be merely delayed a year

The big items are also probabilistic events likely related to a lot of underlying health circumstances. If cancer or heart surgery can be merely delayed a year through the wellness program, then that may just be the year the employee retires or switches jobs and goes onto a different health insurer. These things are so incredibly expensive that even a small shift in them could be worth a considerable amount of dollars per worker. And that's not even considering productivity benefits (which are in turn so hard to quantify we'll almost always be talking about gut feelings on this issue.)