Benefits Think Why ICHRA is a broker opportunity
Brokers can model ICHRA versus group plans and benchmark contributions against various metal tier plans such as gold plans.
Benefits Think Moving to a top-down diagnostic of program value
A financial spreadsheet alone cannot capture the total value and performance of a benefits program, nor can numbers on a ledger guarantee long-term operational success.
Benefits Think The demographic wave you can’t ignore
A growing number of childless and "solo agers" in the workforce need care navigation benefits that don't require a family member to make the calls.
Benefits Think Internal marketing is HR’s most underrated skill
The gap between a great benefits program and one that actually works is almost always a communication problem.
Benefits Think Why it’s time to step up menopause support
Helping employees manage symptoms will enhance productivity, engagement and retention – protecting institutional knowledge and strengthening business outcomes.
Benefits Think Knowing what to cut matters more than what to add
If benefits aren't actually being used, understood and genuinely valued, then no amount of volume covers that gap.
Benefits Think What brokers should watch in claims data sharing
The practical takeaway is to treat data-sharing requests as a risk-allocation exercise, not just an operational convenience.
Benefits Think Rethinking retirement plan pricing for small business
Flat-fee plan pricing makes it easier to treat retirement benefits as part of a long-term business strategy rather than a variable expense that might change unexpectedly.
Benefits Think Why tackling student loan debt will pay off
As employees decide whether to stay with their employer, support tied to student loan debt and education benefits is becoming a clear differentiator.
Benefits Think Is GLP-1 coverage actually delivering value?
Brokers have both an opportunity and responsibility to educate their clients toward better health outcomes and less financial volatility, not just a yes/no on coverage.
Benefits Think SMBs have more options than ever and worse advice
When a level-funded stop-loss corridor, ICHRA contribution strategy and captive loss fund can be assessed against claims data, brokers become interpreters.
Bill targets $10M+ retirement accounts with new distribution rules
Some ultrahigh net worth clients would be affected by a change to retirement plan contribution and distribution rules that's under consideration in Congress.
Benefits Think De-risk the advisory upgrade for smooth sailing
Replacing legacy brokerages with a fiduciary model will secure the data environment so that a thorough investigation of the plan's performance can begin.
Private assets in defined contribution plans could top $1T by 2030
A Deloitte analysis shows that alternative allocations — to private equity, private credit and other vehicles — in DC plans could grow quickly.
Benefits Think How to best bolster retirement readiness
Instead of assuming that longevity is a good-news story, acknowledge that extended longevity without a plan is a financial and emotional time bomb.
Benefits Think The case for asking about benefits in exit interviews
If benefits aren't showing up in exit interviews, don't assume they're not a factor – assume you're not asking the right questions.
Benefits Think The pros and cons of a PEP for larger employers
What larger retirement plan sponsors stand to gain and give up in a pooled employer plan created under the SECURE Act of 2019.
Benefits Think How AI is reshaping compensation work
As AI makes compensation data more accessible than ever, the future is about interpreting, challenging and using data to drive better decisions.
Why some advisors prefer HSAs over IRAs for retirement savings
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
Benefits Think The hidden assumption in every benefits strategy
Insurers are financial institutions, not healthcare companies, which has significant implications for how we can fix problems that have been around for years.
