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Commentary: Research shows that three quarters of health care costs are related to the lifestyle choices of human beings. Adviser Joseph Appelbaum shares his D.C. firm’s cost-cutting success story.

Commentary: Post-Affordable Care Act increases should be setting off fiscal alarms, says Frenkel Benefits’ Craig Hasday, who predicts more expansion to come.

Commentary: Half of HR managers don’t know how to help employees return to work from a disability, according to research from The Standard.

Commentary: To survive the ongoing thinning of the herd, columnist Nelson Griswold asks what are you planning to do differently in 2015 to remain relevant to your clients and grow your business?

Commentary: There are a lot of innovative options that have been implemented by those who are being proactive and who are changing their roles as employee benefit advisers. Columnist Jack Kwicien shares their competitive advantage.

Commentary: In sales, there’s often too much boasting and not enough doing. Sales expert John Graham shares seven steps to boost your bottom line.

Commentary: Plan sponsors should not only understand the importance and benefits of fiduciary roles in a sponsor plan, but also understand the positive impact a fiduciary can have, says columnist John Ludwig.

Commentary: While agents providing these value-added services have disrupted the market and changed the nature of the benefit sales game, they were but a precursor to the far bigger disruptor taking over huge chunks of the benefits marketplace, says columnist Mel Schlesinger.

Commentary: Not holding producers accountable does immeasurable damage to your culture and morale, says columnist Wendy Keneipp, who shares how to build a plan to keep your producers productive today.

Commentary: Benefit Advisors Network’s Perry Braun outlines how a national agent and broker licensing process stands to impact advisers and other key stakeholders, including clients.