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It’s not just fees that are eroding retirement nest eggs. It has more to do with bad employee behaviors.

These communications tips, such as focusing on visual appeal and understanding client demographics, will help advisers meet employers’ open enrollment goals.

Given the range of personnel who will be expected to understand the law, advance planning by employers will be critical.

Bellwether states California and New York are considering measures that would have serious national implications for the employer-sponsored insurance system.

Keep in mind that there is no fee structure free of conflict, cheaper doesn’t mean better and recommendations don’t come in a vacuum, says investment strategist Jess DeGabriele.

Lawsuits against Cigna self-insured plans for alleged fraudulent behavior is a warning for employers that there will be more, says attorney Brenna A. Davenport.

Getting past back office obstacles such as employee reluctance to change is the best way to ensure technology implementation will go well for clients.

By encouraging companies to involve partners in wellness offerings, brokers can help businesses create a support system at home that has the potential to drive better health and performance at work.

Advisers can help employers make better decisions by teaching leadership to be smarter consumers, says The Graham Company’s Dan Jordon.

Plan sponsors should limit loans to hardship criteria, allow just one at a time and refer potential borrowers to an employee assistance program for financial counseling.