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When you take the 403(b) plan survey from the Plan Sponsor Council of America, you’ll get much more out of it than a discounted oil change.

Most of us are aware of the 5500 filing requirements for companies with 100 or more employees covered on their health and welfare plans. Might there be service differentiator and prospecting opportunities available if we have a thorough understanding of the mechanics of the 5500 process?

Most wellness initiatives are baby steps when it comes to moving the needle on employee health issues and costs. To move forward, there needs to be a shift in the way companies think about their most important asset, their employees, says EBA Blogger Sam Fleet.

Tax the rich! Raise their rates! Limit their deductions! That seems to be the populist mantra. It’s perpetuated in the press, and there’s some indication that the general public seems to support the idea. Now middle class workers with higher than average incomes seem to be caught up in discussions defining those that are “rich,” says EBA Blogger and The Principal Financial Group’s tax-exempt national practice leader.

After a year of significant change in the LTC industry in 2012 Blogger Tom Riske Jr. seems 2013 as a year of growth in LTC sales through the worksite. He shares some key features an employer and adviser should look for when considering one of the newer multi-life LTC offerings.

As an employee benefits adviser with a major share of your business in health insurance, it is easy to focus on all the challenges in front of you. How can you turn lemons into lemonade? Live an attitude of gratitude and try to remember challenges bring opportunities and no matter how bad you think you have it, someone else usually has it worse.

A new survey suggests workers under the age of 25 are significantly more confident than others that they are on track for a comfortable retirement. Is it youthful arrogance, or has the younger generation absorbed some of the financial lessons we need them to learn?

Today’s business world is global, and providing insurance mandated by the government for contractors with employees at oversea military bases can present a great opportunity for a broker, says EBA Blogger Sam Fleet.

With the core of PPACA set to begin in 2014, employers need to start making decisions now. UBA CEO Thom Mangan says that while the “pay” option might be worth considering, there are strong reasons why employers should look carefully at all of their options and do their best to calculate the actual outcomes of each.

Guest blogger Linda K. Riddell shows how an eye for detail and some simple calculations could prove to be a life-saver for employees that are overusing/abusing narcotic painkillers. As always, share your thoughts in the comments.