Pros
I can't say there are any pros
Cons
I was enrolled in the FSA plan the company offered. The plan has a rollover amount, however nothing I had contributed the previous year rolled over. I realized this when I tried paying for an exam with my fsa card. The account didn't have sufficient funds, only the new contribution (a small amount) was available. I spoke to HR several times and they kept saying it was an error that had happened to everyone, and eventually the rollover funds would become available. I have left the company due to it's lack of carrier opportunities, unprofessional management and mediocre benefits. The rollover amount never appeared and I was not able to file reimbursement claims for medical expenses I incurred while still employed at RIA.