Which of the following is one of the most difficult challenges when designing benefits programs...

Comprehensive and Detailed Explanation:

Each country hasunique benefit expectations, regulatory requirements, and delivery mechanisms. This makes it incredibly complex to:

Ensure competitive parity

Achieve compliance

Adapt programs to cultural norms

GPHR Study Guide Extract – Global Compensation and Benefits / Benefits Strategy and Design:

“The wide variety of approaches to benefits—from state-funded healthcare to mandated pensions—creates one of the most difficult design challenges in global HR strategy.”

This complexity exceeds technical or cost challenges, requiringdeep local expertise and cross-border coordination.