Conduct research on financial services industries. Identify the prevalent employee benefit practices for that industry. Discuss the discretionary benefits that are offered in your chosen industry. Make sure to discuss protection programs, paid time-off and services. Analyze both the short and long-term benefits. What factors might influence the current benefits practices? How might these practices change over time? What benefit recommendations would you make to this industry?

1. Write an introduction to your paper which includes background information of your chosen industry (this section should be approximately 1-2 pages in length).

2. Discuss discretionary benefits. What are they? Which benefits are typically offered in your industry? Which benefits appear to be missing in your industry? Analyze both the long term and short term benefits offered (This section should be approximately 2-3 pages in length).

3. What factors do you see influencing your industries present benefits practices? Do you see any major changes in the types of discretionary benefits offered in this industry over the next 5 years? 10 years? (This section should be approximately 2-3 pages in length).

4. Write a conclusion to your paper which offers recommendations to your industry on ways to improve their benefits offering. Support your recommendations with facts (this section should be approximately 1-2 pages in length). Make sure you tie the topics covered in this course back to your research. Give your opinion of how effective your chosen industry has been in offering these types of benefits to their employees.

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