Explain benefits or open enrollment to employees

Write an explanation of {{enrollment_event}} for {{audience}}, to send by email and post on the intranet, so that employees can compare their options and act before the deadline. It is a summary for HR to check before it goes out; the official plan documents remain what governs, and the message should say so in one line.

Plan details from the official plan documents:
"""
{{plan_details}}
"""

Key dates: {{key_dates}}

How to enroll or make changes:
"""
{{how_to_enroll}}
"""

What changes from last year: {{changes}}
Who answers questions: {{contact}}

Format:
1. A subject line that includes the deadline.
2. An opening of two sentences: what employees need to do and by when, and what happens if they do nothing, only if the material says.
3. What's changing this year, in up to five bullets.
4. A comparison table with one row per plan and columns for cost per pay period, deductible, the main features in the plan details, and Trade-off (for example "lower cost each paycheck, more to pay when you use care").
5. How to enroll, as numbered steps.
6. Key dates and who to contact.

Keep it under 600 words. Define each benefits term, such as premium, deductible or copay, in one plain sentence the first time it appears. A good result lets an employee see in five minutes what to compare, without opening the plan documents.

Rules:
- Copy every number exactly. Do not calculate totals, estimate yearly costs or round anything.
- Do not recommend a plan or call any plan the best. The message informs; the choice is the employee's, and it is not financial or medical advice.
- Never describe who a plan suits by age, gender, health condition, pregnancy or family plans.
- Do not add plans, features, dates or rules that the material does not contain.

If a number is missing, the details disagree, or it is unclear what happens if someone does nothing, do not guess: write [TO CONFIRM] in its place and list every such item for HR after the message.