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Commentary: Many brokers underestimate the impact a comprehensive disability management philosophy can have on the total cost of an employee benefits program.

Commentary: The company’s new tactic of comparing itself to brokerages across the country “goes beyond the line of ethical standards,” says HR Technology Advisors' Joe Markland.

Commentary: There are rampant and seemingly uncontrollable costs of sustaining life in a system which lacks any semblance of common sense.

Commentary: There are other much larger and offensive “holes” in the current disclosure that are more deceptive and allow more conflict of interest than DOL’s proposed BICE.

Commentary: There is a new normal when it comes to underwriting offers in the employer-sponsored or group LTCI marketplace.

Commentary: We find our clients like having a guaranteed income, and they also like having buckets of income that start at different times and are taxed in different ways.

Commentary: Just because vendors are promising you will avoid penalties because you were able to provide a “good faith” effort, doesn’t mean you actually will be penalty-free.

Commentary: Where do these fees go? There are a number of hands in the pot. Here are the three entities that collect on 401(k) fees.

Commentary: With most businesses, ours included, we derive 80% of our revenue from 20% of our clients. Frequently, we don’t take the time to analyze the characteristics of the 20%, says EBA Advisory Board member Andy Torelli.

Commentary: Zywave’s latest survey reveals what a range of employers across the country are looking for from their benefit adviser.