There may be perks you're overlooking, says Mark Schmit of the Society for Human Resource Management. "Often companies don't advertise the full range of benefits bundled by third-party administrators, such as employee-assistance programs."
Ask HR if you get these or other extras:
Help kicking the habit. Seven in 10 employers provide wellness benefits, the International Foundation of Employee Benefit Plans reports. Among the more common offerings: smoking-cessation, nutritional counseling, and weight-loss programs.
Financial planning. More than 90% of large companies offer employees some type of investment education, reports Hewitt Associates. That may range from hosting seminars to providing one-on-one phone counseling with a financial adviser.
Tickets to attractions. Before buying tickets to a show or museum, see if your company will pay your way. Many corporations donate to cultural institutions and get admission for employees in return. Remember that when visiting other cities where the firm has offices.
Backup child or elder care. Your company may provide benefits to help care for your child or elderly parent when normal care falls through. Pricewaterhouse-Coopers gives workers $1,000 for emergency care, for example; Ernst & Young offers backup options for those in a pinch.
Just 10 years of aggressive saving can help you sock away enough money for a comfortable retirement.