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Commentary: Gone are the days of century-old insurance carriers’ dominance at conferences and expos. In are new products, new technology, new vendors and new partnerships. As a result, unique ideas and models are thriving, says Zenefits’ Tim Cerimele.

Commentary: It may ultimately be a greater risk to remain fully insured and continue treating annual health care spend as an expense rather than an investment.

Commentary: If plan fees are a potential liability, the logic is sound that the least amount of fees paid reduces that liability. But, EBA retirement columnist John Ludwig asks, does it really?

Commentary: There are a few major culprits behind the challenges women face, and advisers must be mindful of the best ways to address them.

Commentary: With so much uncertainty, your clients need your expert advice and counsel now more than ever before. They need a trusted adviser, and you can fulfill that role, says columnist Jack Kwicien.

Commentary: Whether we call ourselves consultants, relationship managers, advisers, producers or anything else that tends to disguise our objective, we’re salespeople.

Commentary: Most large employers screen applicants for substance abuse and randomly screen existing employees — testing that’s cost-prohibitive for most small businesses.

Commentary: Hundreds asked adviser Eric Silverman for the secret to his prospect-winning thank you note. Now, he shares the formula to his success.

Commentary: Employers who move most effectively to address stress and improve their employees' resiliency will find themselves at a competitive advantage in employee recruitment, retention and market performance.

Commentary: Female leaders have the unique challenge of cultivating perception to avoid the typical stereotypes, walking a tight rope between the bitchy tyrant and the obliging child, says ACI Specialty Benefits’ Erin Krehbiel.