As part of the acquisition, toward the end, I got involved in making sure that we paid out the right people for the right things and looked after people so they didn't get really pissed off. I learned some things that blew me away.
Most people in the company did not make use of our attempts to give them free money.
Example: Many did not contribute the amount to their 401K that we match to. This means, in essence, that they didn't want to accept money that the company was trying to give them for free. These were not bottom of the payroll type people either, so it wasn't that they couldn't afford it, it was that they didn't pay attention and figure it out.
Another Example: ESPP. Stands for Employee Stock Purchase Plan. In essence, the company is trying to give you stock that you can sell, that day, for a 15% increase in price. Sell it that way, and figure that you pay 50% in taxes, you still make and automatic 7%. That is WORST case. If, during the 3 or 6 month period (companies do it differently) the stock of the company went up, you make more. SO - in the worst case you make 7%. In the best case you make...more. Not taking this bet is just a silly financial decision. Again, most people don't take advantage of this. Absolutly nuts.
Please don't let this be you. I will be embarrassed for you. Your HR people are making fun of you, but they are a bit limited in the amount they can push on you or ask you. They can't force you to be bright, but trust me - they are laughing at you for not doing it.
You won't find and HR person not doing these things.