They don't even use step 4. They just raise the "non-participation" penalty so high that you, for all intents and purposes, have to participate.
The company I work for charges a $50 per week penalty for not participating.
The company I work for charges a $50 per week penalty for not participating.
Found a detailed presentation of the incentive plan here: http://www.myablife.com/files/HIP-Presentation.pdf
Depending on the findings, you fall into 1 of 3 tiers, which results in a penalty on every pay check if you don't fall into the numbers.