Kristin Henshaw, CEBS, is a Principal and Health Business Leader for Mercer in Virginia. In addition to leading the Health business, Kristin works closely with clients on their health benefits strategy and execution, effectively managing costs, and engaging employees. Ken Lowe is a Principal with Mercer's Wealth business and a team leader for Mercer’s mid-market defined contribution consulting business. He works closely with retirement plan sponsors, including senior leadership and related Committees, to help them follow a prudent decision-making process and fulfill their fiduciary responsibilities.