“Participatory” Wellness Programs are programs that either do not provide a reward to employees or do not include any conditions for obtaining a reward that are based on an individual satisfying a standard that is related to a health. In addition, participatory wellness programs must be made available to everyone in the company that have similar situated individuals, regardless of their health status. Participatory Wellness Programs are not Health Insurance plans that require the individual to satisfy a standard related to a health factor to obtain a reward.