Health insurance, retirement plans and dental or vision coverage are must-haves for employers that want to keep employee morale high, but over half of workers are lukewarm about or dissatisfied with their employers' benefits packages, according to new data from the Employee Benefit Research Institute. 

EBRI's latest Health and Voluntary Workplace Benefits Survey of 1,500 workers age 21-64 found that a third of employees (32%) are only somewhat satisfied with their current employer's benefits and 20% are unsatisfied. 

Many workers aren't very optimistic about the future of their benefits packages, either. Half of workers (51%) aren't sure they'll have the same benefits package three years from now, and of those, almost half (43%) believe those benefits packages will worsen in the next three years. 

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