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Commentary: By understanding the measurables of their plan and leveraging data, plan sponsors will make smarter, more informed decisions to create competitive benefit packages while addressing plan-specific needs with actionable insights.

It all starts with a business plan and honest answers to some tough questions about the state of your company, says columnist Jack Kwicien.

Commentary: Without building a better plan, continued participation will wane and the program as a whole will fall short of employer health initiatives, says adviser Tim Olson, who shares five steps that will lead employer clients to an improved plan.

Commentary: The reality is that the CO-OPs could not overcome the most vital aspect of our insurance infrastructure: maintaining adequate reserves, says adviser David C. Smith.

Commentary: Advisers focused on life insurance and financial planning are missing an opportunity to stand out by introducing DI into the discussion.

Commentary: Executives are starting to acknowledge that engagement alone won’t drive long-term results.

Commentary: Risk adjustment programs were intended to be self-supporting and clearly this has not been the case, says adviser Craig Hasday.

Commentary: Adviser Vinnie Daboul offers a three-step process to overcome the elements that pose the greatest threat to a broker’s business.

Commentary: Three costs to your business that go beyond monetary loss and have a direct long-term impact on client relations.

Commentary: Changes will attack the costs of health care and trickle down to benefit brokers. These outsiders may or may not see the broker as a valuable resource in their future world, says Joe Markland.