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Demonstrating demand, laying out the benefits and focusing on plan integration will help advisers to avoid selling clients short on voluntary.

One problem is that a number of companies make false promises to employees by committing to intensive communication campaigns without proper follow-through.

Knowing how a health plan influences member behavior allows advisers and employers to be proactive in improving outcomes.

Market forces frequently conspire to keep these ideas misaligned, but brokers can provide clarity on how to manage costs and improve availability.

The 'endowment effect' is causing workers to stick with plans that aren't in their best financial interest. But employers and advisers can help change that behavior.

Brokers have work to do on prescription drug costs, price transparency and more, says Mercer’s George Lane.

An increase in DOL audits warrants a much closer inspection by employers and their advisers to ensure compliance and proper administration.

While there are political obstacles to federal action, a number of local initiatives have been undertaken that benefit professionals need to understand.

Advisers should analyze their professional capabilities and look at their firm as if just starting out to determine the effectiveness of existing client relationships.

The Golden State continues its lead in restricting use of such records with the FEHC recently finalizing new regulations that further limit an employer’s ability to use criminal history when making employment decisions.