Pink Ritas and Lip Gloss

I hate this time of year: benefits renewal at work. We run on a July 1 - June 30 fiscal year so the changes to our benefits are going out now so we can adjust coverages, add coverages, or opt out. I get the general concept of things like dental insurance, health insurance, 401(k) Plans, and life insurance but I don’t know enough about any to make solid decisions which frustrates me. I’ve tried a few different books to understand the basics of these items but in the end, once I get that package from work every spring my eyes glaze over and I get confused. I know enough to ensure I have coverage for everything I need and that I don’t get more than I possibly need or not enough. I also make sure coverages are with reputable firms but other than that I just don’t know if there is something I’m missing. Anyone have some tips on how to navigate benefit packages and insurance?