In this week’s Best Money Moves roundup, we take a look at news stories and new research studies that may impact employee benefits and HR issues. We hope you find this news roundup helpful, and we’d love your feedback.

How much do your employees (or you, for that matter) know about retirement planning?

Probably not as much as you think.

According to Fidelity Investments’ Retirement IQ survey, most American employees struggle to understand basic retirement planning concepts. For example, two-thirds of respondents significantly underestimated how much money they’ll need to fund their retirement years, setting themselves up for significant financial stress.

Overall, the average grade on the retirement survey was only 30 percent – an F.

But employers can help their employees understand and improve their retirement planning. The authors of the survey suggest that financial education – particularly in the workplace – is a great step toward reducing retirement planning stress.

Which retirement concepts are confusing your employees?

Your older workers are sticking around longer to pay for retirement. The number of workers ages 65 and older in the workforce is at its highest level since 1962 because many lack the savings they need to retire.

Offering financial wellness benefits doesn’t help employees if they never use them. So how can you get them to take advantage of the benefits you offer? Learn five ways to encourage enrollment.

Not every money move is a good one, and some can come back to haunt you. Here’s how to help your employees avoid three big financial mistakes.

Should you review your employees’ company emails? If you suspect your employee is using their company email, computer or other resources for personal business, you’ll want to find evidence of this misuse. Know when you can (and can’t) monitor employees’ emails.

Nothing lowers employee engagement and feeds unhappiness like a bad company culture. Don’t let your managers make these eight morale-killing mistakes.

Millennials are now the biggest segment of the workforce, but they approach work differently than previous generations. Check out three ways to engage your young employees.

Benefits brokers are looking at company culture as a new employee benefit. Culture is essential for employee retention, and brokers see this as an opportunity to offer more benefits services.

Which has a better ROI: student loan repayment or employee training programs? Some argue that employers won’t see as much return from paying off loans as they will from teaching employees new skills, but it all depends on the demographics of your office.

Dental insurance is just as important as basic health insurance to many employees. Many smaller businesses don’t offer dental plans, but 70 percent of employees say this benefit is essential for deciding whether they take a job.

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It’s hard to stay on top of everything in the news. That’s why each week our Best Money Moves newsroom will bring you the most important news in financial wellness, employee benefits and financial stress. We hope you like the information and, if you do, please spread the word. For midweek developments, follow us on Twitter and on Facebook.