You have been hired as an HR consultant by senior management at the Concord Corporation to advise them on how to structure their cafeteria-style employee benefit plan. To minimize the problem of employees making poor choices about which benefit plan they decide to participate in, you should tell management to: Multiple Choice allow employees to choose benefits based on their personal needs. remove the limitations on coverage amounts. price benefits subject to a low adverse selection. use a limited set of packaged options. increase the choices that cater to individual needs