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Although we are only halfway through 2016, three trends have notably emerged and taken the front seat in the employee benefits world.

Market segmentation, such as specializing in the education field, can be a prosperous business decision for advisers, says columnist Jack Kwicien.

The first ACA reporting season was traumatic for many employers. But the hard-learned lessons should lead to a much better process for the 2016 plan year.

Covering the legality of cash payments, pregnancy discrimination, health questionnaires and arbitration agreements, legal experts break down recent decisions.

Linking raises and bonuses to goals and objectives has become less effective with today’s workforce. Providing frequent feedback and opportunities for growth will do far more to motivate employees.

Trust in your all-star performers’ capabilities and use positive motivation, says adviser Eric Silverman.

The carrier sought adviser feedback on a new way of thinking about benefit communication that may transform the industry, says Frenkel Benefits’ Craig Hasday.

Brokers are trying to help employers control costs, but are seeing little success, says HR Technology Advisors’ Joe Markland.

Many employers will be subject to the change for incidences that take place in 2016, says United Benefit Advisors’ Nancy Bourque.

Too many initiatives focus solely on physical health, ignoring the other pillars such as financial, social, community and career well-being, says NFP’s Deb Smolensky.