Make the Most of Your Employee Benefits Before the Tax Year Ends

Most employees use their obvious benefits and ignore the rest. Pension matching above the minimum, share purchase schemes at a discount, salary sacrifice arrangements: these are often underused because the gain is not obvious until shown in real numbers. This goes through the available benefits, shows what each is actually worth, orders the actions by value, and names the one most commonly left on the table.

I have a set of employee benefits I may not be making the most of. They include: [list the benefits available: pension matching, share schemes, healthcare, cycle to work, childcare vouchers, or similar]. I have [time until the tax year ends or until the benefits renew]. Help me: identify which benefits I am probably leaving value on the table with, explain the actual financial gain from each in plain terms (not percentages but numbers), recommend the order in which to act on them, and tell me the one benefit that most employees undervalue because they do not understand how it works.