Okay, I think I've got this. The question is asking about benefits that are expected to be settled within 12 months, so that rules out post-employment and long-term benefits. It's got to be either short-term or termination benefits. I'll go with short-term since that seems to fit the time frame best.
Crowd-sourcing with real users sounds appealing, but managing that many participants could be a logistical nightmare. I'm not sure that's the best approach here.
I'm a little confused by the wording of this question. Is it asking about where service metadata is stored, or how services can be discovered? I'll have to re-read the question carefully before answering.
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