- Due to budget cuts, state agencies have limited resources to communicate benefits to employees, leaving many unaware of available benefits. - The NCFlex program was created in 1995 and now offers 8 benefit plans to over 240,000 state employees, focusing on education and training. - NCFlex partnered with NC State Employees Credit Union to create "Sensible Savings" sessions combining benefits enrollment with financial wellness training, reaching nearly 600 employees. The sessions were well-received and plans are in place to continue them in 2012.