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As you look back on 2012, EBA Blogger Andy Torelli says now is the best time to develop a realistic business plan for 2013 and provides the real things to look back on.

Brokers may need to be concerned about how a proposed change by the NAIC to the current stop-loss model could essentially trap their clients and remove their options for affordable care – effectively forcing them into state exchanges and eliminating the role of the broker, writes EBA Blogger Sam Fleet.

After reading research from the Investment Company Institute concluding that defined contribution plans don't "reduce retirement preparedness," EBN Editor Kelley Butler channeled a "Saturday Night Live" skit to offer her perspective.

United Benefit Advisors recently released the results of its 2012 Health Plan Survey. Since it’s the largest and most comprehensive health plan benchmarking survey in the industry, the results are always interesting, says the company's CEO.

Brokers all talk with their clients about the fact that “engaged” employees are more “productive," says EBA Blogger Beverly Bettie. However, when, if ever are they put under the same looking glass? Internal and external resources in our own organizations impact our ability to be productive, to achieve results, and financial success.

Every year someone calls guest blogger Jim Moniz the Grinch because he’s the guy who points out the ineffectiveness of the holiday bonus. But, he says, employee benefits advisers, brokers and consultants need to recognize there exists more creative vehicles that can serve as incentive programs to drive and maintain growth as well as recruit and retain key talent/

A recent Health Affairs study that concludes the 10 modifiable health risks only connect to about 20% of health care spending. Thus, says guest blogger Linda K. Riddell, a realistic benefits manager should acknowledge that the most successful wellness program may only have a limited impact.

EBA Contributor Andrew Torelli was shocked to hear health care statistics recently that makes him rethink what the real health care crises in this country are and how to properly address them.

There is a rarely a plan of how "pretend sales goals" are going to actually be met, says EBA Contributor Kevin Trokey. He provides seven cultural issues to consider when selling product.

In a brush up on voluntary, Prudential's Jim Gemus explains the advantages in offering voluntary to you, your clients and their employees in this challenging business environment.