Federal tax laws and regulations are subject to change, and any such change could materially impact our federal taxes and reduce profitability as well as capital levels in our insurance subsidiaries. We continually monitor federal tax legislative and regulatory developments to understand their potential impact on our profitability. For further discussion of regulation, refer to "Risk Factors" contained herein in Item 1A. Adjusted operating revenue, which excludes net realized investment gains and losses, for our Unum International segment was approximately 6 percent of our consolidated adjusted operating revenue in 2020, 2019, and 2018. As of December 31, 2020, total assets equaled approximately 6 percent of consolidated assets and total liabilities equaled approximately 5 percent of consolidated liabilities for our Unum International segment. Fluctuations in the U.S. dollar relative to the local currencies of our Unum International segment will impact our reported operating results. See "Risk Factors" contained herein in Item 1A and "Quantitative and Qualitative Disclosures About Market Risk" contained herein in Item 7A for further discussion of fluctuations in foreign currency exchange rates. See "Reporting Segments" contained herein in this Item 1; "Management's Discussion and Analysis of Financial Condition and Results of Operations" contained herein in Item 7; and Note 13 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion of Unum International's operating results. Unum is built on the promise of helping the working world thrive throughout life’s moments, an inspiring purpose that requires harnessing the creativity and energy of our employees. As of December 31, 2020, the Company employed approximately 10,700 employees, of which, approximately 10,300 are full-time employees. Approximately 89 percent of our employees are in the United States, and the remaining 11 percent are international (United Kingdom, Ireland and Poland). Voluntary employee turnover for 2020 was approximately 9.4 percent, a decrease from the prior year. During 2020, as the COVID-19 pandemic accelerated across the U.S., we quickly and effectively transitioned the majority of our employees to remote work. We also implemented protocols and precautions for a limited portion of staff to work in the office. A key tenet of our strategy was to ensure employee health and safety, while also maintaining operational readiness and flexible work options. Our international locations each created strategies based on their local environment. At Unum, we provide compensation and benefits programs which support our employees’ health, wealth and life. In addition to competitive pay, other programs (which vary by country/region) include: annual bonus and employee recognition; stock awards and stock purchase; life, medical, pharmacy, telehealth, health reimbursement accounts; dental, vision, voluntary benefits and disability insurance; tuition and fitness reimbursement; 401(k) plan, financial education, and planning support; student debt relief; employee assistance program, family building; paid time off and caregiver leave, paid parental leave; on-site health resource centers and fitness centers and subsidized healthy food choices. The Company strives to create a workplace culture that attracts and retains the great talent needed to deliver for our customers, who represent a cross-section of society and its different communities, ethnic backgrounds, socioeconomic perspectives and physical abilities. Unum believes the best way to meet the needs of its customers and make better decisions is to reflect their diversity in our own workforce. Of our more than 10,700 employees, 66 percent identify as female; and 17 percent of employees (excluding Poland) identify as members of a minority group. Unum embraces the unique talents of every team member and helps them reach their full potential. Unum’s culture is built on a foundation of workplace values and principles called We Are Unum, a roadmap that outlines what employees bring to work each day and what they get from the Company in return. In addition, Unum has a dedicated Office of Inclusion & Diversity focused on driving strategies to create a culture where inclusivity is an expectation for every employee and leader. We partner with diverse stakeholders to increase awareness and Inclusion and Diversity Compensation and Benefits Human Capital Resources Human Capital Geographic Areas 17