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Whether the broker acts as a fiduciary making a recommendation will depend upon the circumstances of the particular recommendation and their client.

Many pharmacy benefit managers promote discounts and drug rebates that may look good on paper, but often provide no transparency of true costs. This can result in employers paying much more than they should.

Concerns over privacy and reimbursement programs have cast a shadow on these popular and beneficial programs.

Often overlooked, the benefit could provide much-needed relief to employees who need income replacement.

Brokers can use advanced data analytics to drive partnerships with self-insured employers, says Advanced Plan for Health’s Neil Godbey.

The knowledge that employers are paying claims can dramatically change employees’ entire outlook on health benefits and total compensation, says CBIZ's Zack Pace.

DOL regulations provide certain welfare plans relief from the annual review requirement, but non-compliance for applicable employers can come with hefty fees.

Advisers need to put clients and prospects at the center of their online conversations.

New rules recognize the fact that commission-based transaction services can be the most cost effective way for Main Street investors to receive financial advice.

Many participants are hesitant to exercise the benefit for fear of making a mistake. Here’s how plan sponsors can alleviate these fears and encourage engagement.