Cowden has partnered with Liazon’s Bright Choices® Exchange to assist employers in the administration of a defined contribution approach to managing health & benefits programs. The Exchange platform is designed to mitigate an employer’s annual cost increases by defining plans to be included in their benefit offering and the amount of dollars they want to spend per employee.  From the employee perspective, the platform assists employees in making informed decisions about the benefits offered and those that would best meet their individual needs through the use of educational tools and a simple online questionnaire that guides them to create a personalized portfolio of benefits from which they can choose. The personalized shopping experience follows a logical flow to help employees understand and select the best benefits for them.