<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.benefitnews.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-a-savard</loc>
		<lastmod>2015-12-02T20:48:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-burstein</loc>
		<lastmod>2023-09-26T13:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-campbell</loc>
		<lastmod>2016-09-01T15:07:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-corley</loc>
		<lastmod>2015-05-19T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-dexheimer</loc>
		<lastmod>2017-02-03T14:52:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-galentine-671</loc>
		<lastmod>2018-12-05T20:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-halkos</loc>
		<lastmod>2019-04-23T15:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-howard</loc>
		<lastmod>2017-05-22T16:53:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-lopatto</loc>
		<lastmod>2015-12-14T16:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-lutes</loc>
		<lastmod>2021-07-08T13:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-lutes-3</loc>
		<lastmod>2017-12-05T17:22:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-mitchell</loc>
		<lastmod>2020-02-24T20:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-reimer</loc>
		<lastmod>2026-02-05T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-t-dold</loc>
		<lastmod>2015-12-08T16:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-wilson-vaughan</loc>
		<lastmod>2015-12-08T16:25:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elizabeth-wine</loc>
		<lastmod>2016-05-02T16:36:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ellen-huet</loc>
		<lastmod>2016-07-25T19:37:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ellen-mccann-3</loc>
		<lastmod>2018-04-13T19:57:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ellen-pinkos-cobb</loc>
		<lastmod>2014-05-27T16:03:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ellen-rudolph</loc>
		<lastmod>2026-08-27T09:30:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elliot-m-kass</loc>
		<lastmod>2020-01-28T18:23:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/elsa-glorioso</loc>
		<lastmod>2024-03-27T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emeka-oguh</loc>
		<lastmod>2017-03-27T17:11:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emelie-fritz</loc>
		<lastmod>2026-08-20T09:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-brower</loc>
		<lastmod>2022-12-15T14:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-burns</loc>
		<lastmod>2015-12-08T16:20:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-dobbins</loc>
		<lastmod>2016-05-12T17:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-kaiser</loc>
		<lastmod>2015-12-08T16:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-r-see</loc>
		<lastmod>2016-08-10T19:32:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-stephenson</loc>
		<lastmod>2015-12-08T16:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-stern</loc>
		<lastmod>2015-12-08T16:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emily-taylor</loc>
		<lastmod>2022-01-13T14:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emma-fox</loc>
		<lastmod>2023-07-17T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emma-hoo</loc>
		<lastmod>2016-08-22T00:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/emma-radebaugh</loc>
		<lastmod>2026-05-28T16:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/employee-benefits-news</loc>
		<lastmod>2026-09-01T23:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ennie-lim</loc>
		<lastmod>2021-02-19T15:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-bluhm</loc>
		<lastmod>2020-05-13T13:00:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-brewer</loc>
		<lastmod>2023-08-29T13:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-crusius</loc>
		<lastmod>2017-08-09T16:40:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-fuller</loc>
		<lastmod>2020-11-30T16:12:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-gregory</loc>
		<lastmod>2017-12-08T03:08:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-helman</loc>
		<lastmod>2017-10-17T15:30:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-johnson</loc>
		<lastmod>2015-12-08T16:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-keller</loc>
		<lastmod>2017-11-10T17:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-lederhaus</loc>
		<lastmod>2018-07-25T13:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-lloyd</loc>
		<lastmod>2023-04-25T13:00:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-ly</loc>
		<lastmod>2023-04-11T13:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-newcomer</loc>
		<lastmod>2016-12-30T17:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-nuytten</loc>
		<lastmod>2015-04-22T13:36:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-reisenwitz</loc>
		<lastmod>2015-05-28T16:06:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-rentsch</loc>
		<lastmod>2019-08-20T14:10:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-silverman</loc>
		<lastmod>2025-11-03T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-taussig</loc>
		<lastmod>2022-01-20T14:00:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-vanderhoef</loc>
		<lastmod>2025-05-14T15:53:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eric-zimmerman</loc>
		<lastmod>2018-03-28T16:44:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erich-huang-m-d</loc>
		<lastmod>2024-03-04T20:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erik-bjer</loc>
		<lastmod>2026-06-30T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erik-larson</loc>
		<lastmod>2016-08-11T21:24:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erik-schatzker</loc>
		<lastmod>2017-01-12T14:30:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erika-sinner</loc>
		<lastmod>2024-07-08T13:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erin-c-horton</loc>
		<lastmod>2017-04-06T15:03:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erin-hartley</loc>
		<lastmod>2024-10-31T15:19:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erin-krehbiel-1253</loc>
		<lastmod>2018-09-25T16:11:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erin-mcginty</loc>
		<lastmod>2016-08-26T15:03:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/erin-peterson</loc>
		<lastmod>2020-06-19T15:15:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ernest-scheyder</loc>
		<lastmod>2015-12-08T16:15:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/esra-kucukciftci</loc>
		<lastmod>2015-12-08T16:14:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ethan-kaplan</loc>
		<lastmod>2020-08-12T18:01:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eugene-s-griggs</loc>
		<lastmod>2017-03-13T19:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eugene-sayan</loc>
		<lastmod>2017-07-13T16:42:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/eva-davis</loc>
		<lastmod>2016-05-06T14:32:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/evelina-nedlund</loc>
		<lastmod>2025-07-21T19:02:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fabio-benedetti-valentini</loc>
		<lastmod>2016-05-31T16:14:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fallon-carpenter</loc>
		<lastmod>2025-03-06T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/farzad-mostashari</loc>
		<lastmod>2024-04-16T15:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fatima-koning</loc>
		<lastmod>2023-07-18T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/felicia-finston</loc>
		<lastmod>2016-10-31T17:21:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/felicia-oconnor</loc>
		<lastmod>2018-01-10T20:03:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/felicia-s-oconnor</loc>
		<lastmod>2019-01-04T00:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/financial-planning</loc>
		<lastmod>2015-12-08T16:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fisher-phillips-legal-staff</loc>
		<lastmod>2016-11-11T22:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fleet-maull</loc>
		<lastmod>2016-08-26T16:07:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/france-gingras</loc>
		<lastmod>2016-08-24T16:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frances-mcmorris</loc>
		<lastmod>2016-05-02T17:20:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/francisco-negron</loc>
		<lastmod>2015-07-28T15:47:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/francois-de-brantes</loc>
		<lastmod>2018-09-06T16:25:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/francois-millard</loc>
		<lastmod>2019-04-26T16:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frank-b-mengert</loc>
		<lastmod>2016-06-02T15:26:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frank-gargano</loc>
		<lastmod>2025-08-28T19:30:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frank-mcgillin</loc>
		<lastmod>2022-10-25T13:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frank-mengert</loc>
		<lastmod>2022-12-08T14:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frank-palmieri</loc>
		<lastmod>2016-01-28T19:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frank-pennachio</loc>
		<lastmod>2025-07-16T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fred-barstein</loc>
		<lastmod>2012-11-20T17:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fred-bazzoli</loc>
		<lastmod>2019-07-03T15:13:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fred-goldstein</loc>
		<lastmod>2016-08-17T17:48:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fred-oliphant</loc>
		<lastmod>2015-12-08T16:06:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fred-reish</loc>
		<lastmod>2018-03-05T15:09:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/fred-schutt</loc>
		<lastmod>2018-01-12T03:14:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/frederik-joelving</loc>
		<lastmod>2015-12-08T16:07:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gabriel-hauari</loc>
		<lastmod>2017-08-09T19:05:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gabrielle-coppola</loc>
		<lastmod>2016-08-29T14:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/garrett-a-fenton</loc>
		<lastmod>2017-02-04T00:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/garrett-smallwood</loc>
		<lastmod>2024-03-18T13:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/garrett-smith</loc>
		<lastmod>2021-10-21T13:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gary-ampulski</loc>
		<lastmod>2015-08-24T20:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gary-baldwin</loc>
		<lastmod>2015-12-09T18:42:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gary-becker</loc>
		<lastmod>2022-06-06T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gary-cassidy</loc>
		<lastmod>2020-02-24T20:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gary-cohen</loc>
		<lastmod>2015-05-20T20:15:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gary-eimerman</loc>
		<lastmod>2024-01-23T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gauri-punjabi</loc>
		<lastmod>2015-12-08T16:03:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gautam-sukumar</loc>
		<lastmod>2022-10-27T13:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gena-usenheimer</loc>
		<lastmod>2017-12-06T17:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gene-raymondi</loc>
		<lastmod>2016-06-02T17:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/genevieve-caruncho-simpson</loc>
		<lastmod>2018-12-14T17:25:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/genevra-pittman</loc>
		<lastmod>2015-12-08T16:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gentrie-pool</loc>
		<lastmod>2016-07-18T17:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/geoffrey-crossan</loc>
		<lastmod>2023-08-15T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/geoffrey-d-bruen</loc>
		<lastmod>2015-12-08T16:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-johnson</loc>
		<lastmod>2015-07-15T13:25:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-l-white</loc>
		<lastmod>2018-07-09T15:37:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-lane</loc>
		<lastmod>2017-04-24T19:38:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-lemmon</loc>
		<lastmod>2016-06-09T15:40:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-patterson</loc>
		<lastmod>2015-12-08T15:56:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-white</loc>
		<lastmod>2021-01-13T15:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/george-white-3</loc>
		<lastmod>2020-07-29T17:05:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gerard-clum-dc</loc>
		<lastmod>2015-12-08T15:55:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gerard-griffin</loc>
		<lastmod>2020-08-26T14:51:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gerry-leonard</loc>
		<lastmod>2016-07-26T15:58:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gerry-shih</loc>
		<lastmod>2015-12-08T15:04:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gerry-stanley-m-d</loc>
		<lastmod>2022-12-07T14:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gianni-giacomelli</loc>
		<lastmod>2020-02-24T20:42:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gil-harvard</loc>
		<lastmod>2016-09-06T16:50:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gil-murdock</loc>
		<lastmod>2019-03-18T19:32:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gilles-bertaux</loc>
		<lastmod>2022-04-28T13:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gillian-roberts</loc>
		<lastmod>2017-08-30T21:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gillian-tan</loc>
		<lastmod>2016-12-19T15:33:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gilliane-isabelle</loc>
		<lastmod>2021-08-06T13:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gina-m-roccanova</loc>
		<lastmod>2018-04-16T16:54:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gina-nebesar</loc>
		<lastmod>2022-09-13T13:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/giovanni-colella</loc>
		<lastmod>2016-12-22T16:01:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gladys-c-zolna</loc>
		<lastmod>2015-12-08T14:25:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/glenn-elliott</loc>
		<lastmod>2016-05-13T17:29:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/glenn-somerville</loc>
		<lastmod>2015-12-08T14:24:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/grace-campagna-1223</loc>
		<lastmod>2017-07-27T15:07:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/graham-templeton</loc>
		<lastmod>2018-01-25T16:35:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/graison-dangor</loc>
		<lastmod>2019-07-18T18:16:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/grant-gordon</loc>
		<lastmod>2023-01-10T14:21:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/grant-mccool</loc>
		<lastmod>2015-12-08T14:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/grant-miller</loc>
		<lastmod>2016-07-18T16:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-andrews</loc>
		<lastmod>2018-04-26T15:58:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-blemlek</loc>
		<lastmod>2019-02-26T17:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-breter</loc>
		<lastmod>2019-08-26T20:40:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-burrows</loc>
		<lastmod>2015-12-08T14:21:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-douglass</loc>
		<lastmod>2018-05-16T17:17:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-fanelli</loc>
		<lastmod>2023-07-10T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-farrell</loc>
		<lastmod>2016-10-14T13:29:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-gierer</loc>
		<lastmod>2018-06-20T17:20:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-gillespie</loc>
		<lastmod>2015-12-08T14:19:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-goth</loc>
		<lastmod>2016-05-02T18:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-hearn</loc>
		<lastmod>2025-11-12T19:22:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-hodges</loc>
		<lastmod>2017-03-22T20:05:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-hurley</loc>
		<lastmod>2016-08-05T16:22:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-mccune</loc>
		<lastmod>2015-12-08T14:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-poulakos</loc>
		<lastmod>2020-09-28T18:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-poulin</loc>
		<lastmod>2021-08-16T13:30:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-puig</loc>
		<lastmod>2023-01-18T14:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-sanderson</loc>
		<lastmod>2024-06-21T20:26:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-slabodkin</loc>
		<lastmod>2020-01-15T16:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greg-stohr</loc>
		<lastmod>2019-09-16T15:45:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregg-dooge</loc>
		<lastmod>2018-06-14T20:23:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregg-levinson</loc>
		<lastmod>2018-04-12T18:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregg-wirth</loc>
		<lastmod>2015-12-08T14:06:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/greggor-holland</loc>
		<lastmod>2021-06-04T13:54:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-b-gagne</loc>
		<lastmod>2016-11-30T17:16:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-kasten</loc>
		<lastmod>2018-04-09T18:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-l-ash</loc>
		<lastmod>2015-12-08T14:05:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-matisoff</loc>
		<lastmod>2019-11-04T20:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-p-delapp</loc>
		<lastmod>2016-12-20T19:05:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-r-mitchell</loc>
		<lastmod>2018-07-12T18:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-snell</loc>
		<lastmod>2016-05-31T19:17:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gregory-w-mcclune</loc>
		<lastmod>2018-02-09T03:07:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gretchen-harders</loc>
		<lastmod>2018-07-12T18:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gretchen-jorbin</loc>
		<lastmod>2017-12-21T16:24:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gretchen-lembach</loc>
		<lastmod>2023-10-19T12:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/groom-law-group</loc>
		<lastmod>2015-12-08T14:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/guy-benjamin</loc>
		<lastmod>2026-02-18T19:34:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/guy-bertsch</loc>
		<lastmod>2015-12-08T14:03:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/guy-furay</loc>
		<lastmod>2016-02-17T14:08:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/guy-kirkwood</loc>
		<lastmod>2020-04-01T15:47:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/gwen-moran</loc>
		<lastmod>2015-12-08T14:02:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hal-a-shillingstad</loc>
		<lastmod>2018-09-17T19:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hal-rosenbluth</loc>
		<lastmod>2018-07-25T17:52:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/haleigh-tebben</loc>
		<lastmod>2024-10-08T09:30:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hannah-walker</loc>
		<lastmod>2018-11-08T17:46:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harpreet-nagra</loc>
		<lastmod>2021-08-26T13:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harris-nydick-cfp-cimc-aifa</loc>
		<lastmod>2015-12-07T22:43:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harrison-newman</loc>
		<lastmod>2025-12-16T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harrison-newman-3</loc>
		<lastmod>2019-05-17T15:46:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harrison-stone</loc>
		<lastmod>2017-10-13T19:51:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harrison-taylor</loc>
		<lastmod>2017-10-20T19:58:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harrison-thorne</loc>
		<lastmod>2020-02-24T20:44:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harry-gottlieb</loc>
		<lastmod>2018-02-28T17:20:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harry-terris</loc>
		<lastmod>2020-01-28T18:03:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/harvey-katz</loc>
		<lastmod>2017-11-08T21:39:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/health-data-management</loc>
		<lastmod>2015-12-07T22:42:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heath-shackleford</loc>
		<lastmod>2021-04-30T16:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-a-provino</loc>
		<lastmod>2015-12-07T22:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-deblanc</loc>
		<lastmod>2016-07-18T16:31:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-garbers</loc>
		<lastmod>2021-07-12T13:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-halliburton</loc>
		<lastmod>2018-05-15T17:16:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-lavallee</loc>
		<lastmod>2017-10-26T16:15:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-lowe</loc>
		<lastmod>2021-12-20T10:30:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-struck</loc>
		<lastmod>2015-12-07T22:37:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heather-tenuto</loc>
		<lastmod>2024-03-20T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heidi-johnson</loc>
		<lastmod>2025-04-17T14:02:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heidi-przybyla</loc>
		<lastmod>2015-05-06T14:04:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heidi-rasmussen</loc>
		<lastmod>2018-06-12T17:59:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/heidi-trow</loc>
		<lastmod>2015-12-08T20:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/helaine-i-fingold</loc>
		<lastmod>2018-07-12T18:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/helen-box-farnen</loc>
		<lastmod>2015-12-07T22:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/helen-calvin-3</loc>
		<lastmod>2019-05-01T20:41:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/helen-kearney</loc>
		<lastmod>2016-05-02T18:43:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/helena-plater-zyberk</loc>
		<lastmod>2024-06-11T09:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hema-crockett-and-jamie-jacobs</loc>
		<lastmod>2021-01-25T16:26:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/henry-albrecht</loc>
		<lastmod>2019-01-07T14:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hilary-russ</loc>
		<lastmod>2015-12-07T22:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hillary-massey</loc>
		<lastmod>2017-07-06T20:12:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/holly-mckenna</loc>
		<lastmod>2015-12-07T22:33:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/holly-shaw</loc>
		<lastmod>2021-05-05T10:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/howard-j-stock</loc>
		<lastmod>2016-05-02T18:48:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/howard-m-bloom</loc>
		<lastmod>2016-11-04T00:59:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/howard-mavity</loc>
		<lastmod>2015-12-07T22:30:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/howard-shapiro</loc>
		<lastmod>2015-12-07T22:28:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hugh-otoole</loc>
		<lastmod>2025-03-10T09:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/hung-tran</loc>
		<lastmod>2015-12-14T21:58:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ian-barrow</loc>
		<lastmod>2024-03-14T14:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ian-katz</loc>
		<lastmod>2015-12-07T22:25:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ian-simpson</loc>
		<lastmod>2015-12-07T22:23:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ibis-evisor</loc>
		<lastmod>2015-12-07T22:22:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ilene-h-ferenczy</loc>
		<lastmod>2017-06-02T19:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ilit-raz</loc>
		<lastmod>2022-02-22T14:00:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ilyse-wolens-schuman</loc>
		<lastmod>2016-01-27T15:21:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ina-schwarzenberg</loc>
		<lastmod>2023-05-10T13:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ingrid-case-iag676</loc>
		<lastmod>2019-10-17T19:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ingrid-tolentino</loc>
		<lastmod>2021-07-26T13:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/inn-editorial-staff</loc>
		<lastmod>2015-12-07T22:18:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/iralma-pozo</loc>
		<lastmod>2020-03-24T20:44:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/irene-park</loc>
		<lastmod>2015-12-07T22:16:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/irving-m-geslewitz</loc>
		<lastmod>2015-12-09T14:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/isaac-j-morris</loc>
		<lastmod>2016-08-08T16:29:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/isabella-aldrete</loc>
		<lastmod>2024-10-29T13:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/itamar-romanini</loc>
		<lastmod>2026-04-10T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/j-kevin-porter</loc>
		<lastmod>2021-05-14T14:23:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/j-rene-toadvine</loc>
		<lastmod>2015-12-07T22:20:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/j-r-clark</loc>
		<lastmod>2023-09-07T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jack-altman</loc>
		<lastmod>2021-12-02T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jack-groppel</loc>
		<lastmod>2017-01-03T17:03:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jack-hooper-3</loc>
		<lastmod>2025-09-11T15:13:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jack-kwicien-3</loc>
		<lastmod>2021-02-08T14:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jack-singer</loc>
		<lastmod>2016-05-05T15:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jack-towarnicky</loc>
		<lastmod>2016-01-28T20:30:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jackie-breslin</loc>
		<lastmod>2016-08-25T16:48:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jackie-selby</loc>
		<lastmod>2018-07-12T18:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jackie-stewart</loc>
		<lastmod>2024-11-18T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jaclyn-cooksey</loc>
		<lastmod>2019-06-06T16:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jacob-sattelmair</loc>
		<lastmod>2019-09-19T17:13:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jacquelyn-wong</loc>
		<lastmod>2021-03-15T14:47:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jake-gilliam</loc>
		<lastmod>2017-04-10T16:20:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jake-glover</loc>
		<lastmod>2018-04-26T17:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jake-spiegel</loc>
		<lastmod>2022-06-03T13:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jakema-lewis-mm22140</loc>
		<lastmod>2015-12-07T22:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-b-kelleher</loc>
		<lastmod>2015-12-07T22:04:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-colbert-md</loc>
		<lastmod>2016-08-17T15:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-denison</loc>
		<lastmod>2020-09-30T19:00:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-gelfand</loc>
		<lastmod>2023-03-16T13:00:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-hazlehurst</loc>
		<lastmod>2015-12-01T22:01:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-hobson-ceo-ubiquity-retirement-savings-hobson</loc>
		<lastmod>2026-08-05T13:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-m-nicholas</loc>
		<lastmod>2018-06-22T02:38:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-m-ouimet</loc>
		<lastmod>2015-12-07T22:03:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-mccool</loc>
		<lastmod>2015-12-07T22:02:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-mcdonald</loc>
		<lastmod>2015-12-07T22:01:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-mcdonough</loc>
		<lastmod>2016-12-13T16:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-merklin</loc>
		<lastmod>2015-12-09T14:35:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-napoli</loc>
		<lastmod>2019-05-08T19:08:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-perry</loc>
		<lastmod>2016-05-19T16:44:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-r-dye</loc>
		<lastmod>2015-12-07T21:59:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-ramage-bb626</loc>
		<lastmod>2015-12-07T21:56:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-reid</loc>
		<lastmod>2018-05-10T17:02:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-rowley</loc>
		<lastmod>2015-12-07T21:54:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-sausmer</loc>
		<lastmod>2016-02-16T17:46:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-schreier</loc>
		<lastmod>2023-12-05T10:30:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-slotnick-1610</loc>
		<lastmod>2016-11-10T16:13:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-vicini</loc>
		<lastmod>2015-12-07T21:52:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/james-w-gow-jr</loc>
		<lastmod>2015-12-07T21:48:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jamey-medlin</loc>
		<lastmod>2015-12-08T20:49:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jami-doucette</loc>
		<lastmod>2019-07-19T17:50:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jamie-greenleaf</loc>
		<lastmod>2026-04-16T09:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jamie-laplante</loc>
		<lastmod>2015-12-07T21:47:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jamie-mcintyre</loc>
		<lastmod>2017-03-24T19:36:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jamie-pabst</loc>
		<lastmod>2023-11-09T14:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jamie-weyeneth</loc>
		<lastmod>2018-04-19T17:14:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jan-peter-ozga</loc>
		<lastmod>2016-05-24T13:04:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jane-porter</loc>
		<lastmod>2015-12-07T21:45:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janel-leymeister</loc>
		<lastmod>2017-02-28T16:19:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janet-clarey</loc>
		<lastmod>2018-02-22T17:40:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janet-faircloth</loc>
		<lastmod>2023-08-07T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janet-greenhut-md-mph</loc>
		<lastmod>2015-12-07T21:44:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janet-m-stovall</loc>
		<lastmod>2024-10-10T09:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janet-trautwein</loc>
		<lastmod>2022-11-30T14:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/janice-rahm</loc>
		<lastmod>2015-12-07T21:41:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jaqueline-oliveira-cella</loc>
		<lastmod>2026-02-02T14:02:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jared-brown</loc>
		<lastmod>2026-05-12T09:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jared-northup</loc>
		<lastmod>2025-03-25T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jasleen-singh</loc>
		<lastmod>2022-08-11T16:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-andrew</loc>
		<lastmod>2019-11-08T19:36:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-cook</loc>
		<lastmod>2017-09-18T20:17:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-delimitros</loc>
		<lastmod>2025-08-07T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-delserro</loc>
		<lastmod>2023-05-02T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-ewas</loc>
		<lastmod>2023-01-09T14:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-gale</loc>
		<lastmod>2015-12-07T21:40:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-grantz</loc>
		<lastmod>2018-06-07T17:36:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-hammersla</loc>
		<lastmod>2024-08-19T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-langheier</loc>
		<lastmod>2016-02-22T18:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-lauritsen</loc>
		<lastmod>2017-11-09T17:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-lee</loc>
		<lastmod>2015-12-14T17:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-p-faust</loc>
		<lastmod>2017-07-20T15:26:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-rahlan</loc>
		<lastmod>2026-02-17T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-rothman</loc>
		<lastmod>2018-10-04T17:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-seltzer</loc>
		<lastmod>2015-12-07T21:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-von-bank</loc>
		<lastmod>2019-12-13T20:08:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-walker-3</loc>
		<lastmod>2026-07-13T13:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jason-walker</loc>
		<lastmod>2024-04-11T09:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jawad-arshad</loc>
		<lastmod>2022-10-03T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-blickstein</loc>
		<lastmod>2015-12-07T21:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-caldwell</loc>
		<lastmod>2026-03-10T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-choi</loc>
		<lastmod>2020-07-27T14:48:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-cirame</loc>
		<lastmod>2026-03-27T09:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-kirschbaum</loc>
		<lastmod>2025-09-04T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-meschke</loc>
		<lastmod>2022-03-31T13:00:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-moore-m-d</loc>
		<lastmod>2022-08-02T13:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-schmitt</loc>
		<lastmod>2026-07-15T12:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-schmitt-3</loc>
		<lastmod>2019-06-18T18:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-starkman-3</loc>
		<lastmod>2019-05-23T21:27:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-titus</loc>
		<lastmod>2026-03-19T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jay-wohlgemuth</loc>
		<lastmod>2019-03-13T20:12:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jean-c-hemphill</loc>
		<lastmod>2017-08-18T19:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeanna-smialek</loc>
		<lastmod>2016-08-12T14:07:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeannette-mcclennan</loc>
		<lastmod>2020-06-22T19:00:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeanniey-mullen</loc>
		<lastmod>2020-02-24T20:34:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeb-dunkelberger</loc>
		<lastmod>2025-12-22T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-b-miller</loc>
		<lastmod>2024-09-04T09:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-bak</loc>
		<lastmod>2025-04-15T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-brizzolara</loc>
		<lastmod>2016-10-06T16:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-brown</loc>
		<lastmod>2015-12-07T21:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-brunken</loc>
		<lastmod>2021-03-12T10:00:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-butler</loc>
		<lastmod>2019-07-10T16:30:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-canfield</loc>
		<lastmod>2019-11-20T15:59:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-corbin</loc>
		<lastmod>2026-01-13T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-freeman</loc>
		<lastmod>2023-08-31T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-green</loc>
		<lastmod>2017-01-17T20:03:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-guardalabene</loc>
		<lastmod>2018-01-24T01:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-hogan</loc>
		<lastmod>2024-10-07T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-horwitz</loc>
		<lastmod>2015-12-07T21:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-hyman</loc>
		<lastmod>2015-12-08T21:56:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-kolesar</loc>
		<lastmod>2016-12-15T17:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-leston</loc>
		<lastmod>2026-04-20T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-levin-scherz</loc>
		<lastmod>2017-05-15T15:29:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-mason</loc>
		<lastmod>2015-12-07T21:26:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-mayers</loc>
		<lastmod>2015-12-07T21:23:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-micklos</loc>
		<lastmod>2022-12-15T14:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-miller</loc>
		<lastmod>2018-06-08T16:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-munn</loc>
		<lastmod>2014-03-24T15:09:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-nowak</loc>
		<lastmod>2018-09-17T17:45:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-oldham</loc>
		<lastmod>2022-06-09T13:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-oldham-3</loc>
		<lastmod>2018-09-20T18:58:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-phipps</loc>
		<lastmod>2024-11-05T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-ruby</loc>
		<lastmod>2022-07-14T13:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-spahr</loc>
		<lastmod>2020-03-16T16:15:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-stimpson-1641</loc>
		<lastmod>2020-06-11T18:51:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeff-tyrakowski</loc>
		<lastmod>2015-12-15T14:12:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffery-acheson-qpfc</loc>
		<lastmod>2015-12-07T21:20:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffery-d-smith</loc>
		<lastmod>2018-08-31T18:51:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-a-simmons</loc>
		<lastmod>2018-08-01T16:30:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-arnold</loc>
		<lastmod>2016-04-15T12:02:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-hutchings</loc>
		<lastmod>2016-04-29T17:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-jackson</loc>
		<lastmod>2015-12-07T21:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-kopp</loc>
		<lastmod>2019-06-28T14:49:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-levine-iag910</loc>
		<lastmod>2021-06-02T05:37:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-mccracken</loc>
		<lastmod>2015-12-08T18:59:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-roberts</loc>
		<lastmod>2017-11-22T15:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-d-smith</loc>
		<lastmod>2020-01-22T19:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeffrey-weaver</loc>
		<lastmod>2024-04-05T21:18:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jemma-stephenson</loc>
		<lastmod>2021-08-10T16:13:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jen-cressman</loc>
		<lastmod>2025-08-27T19:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jen-truscott</loc>
		<lastmod>2024-01-05T16:11:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeni-burckart</loc>
		<lastmod>2026-08-03T09:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenn-graham</loc>
		<lastmod>2025-04-02T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenn-mccabe</loc>
		<lastmod>2022-08-30T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/dr-jenna-carl</loc>
		<lastmod>2021-05-27T13:01:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenna-everhart</loc>
		<lastmod>2025-05-27T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenna-glover</loc>
		<lastmod>2024-10-16T09:30:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenna-obrycki-upgren</loc>
		<lastmod>2019-12-11T16:15:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenna-russell</loc>
		<lastmod>2019-07-05T17:33:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-benz</loc>
		<lastmod>2015-12-28T16:50:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-berman</loc>
		<lastmod>2023-12-22T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-bright</loc>
		<lastmod>2020-06-17T17:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-epstein</loc>
		<lastmod>2017-03-03T12:31:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-gassaway</loc>
		<lastmod>2022-12-15T15:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-geimer</loc>
		<lastmod>2017-11-16T18:14:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-graff</loc>
		<lastmod>2016-12-27T16:17:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-gutzmore</loc>
		<lastmod>2019-10-15T15:17:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-hui</loc>
		<lastmod>2026-07-21T09:30:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-jacobs</loc>
		<lastmod>2016-11-29T17:41:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-jones-3</loc>
		<lastmod>2020-06-17T18:14:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-jordan</loc>
		<lastmod>2018-11-09T17:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-k-halford-esq</loc>
		<lastmod>2015-12-07T21:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-kischell</loc>
		<lastmod>2020-11-25T23:08:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-lamb</loc>
		<lastmod>2023-02-28T14:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-lee</loc>
		<lastmod>2024-08-08T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-levin-carter-m-d</loc>
		<lastmod>2024-10-07T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-lutrin</loc>
		<lastmod>2016-04-29T17:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-morrell</loc>
		<lastmod>2015-12-07T21:16:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-neilsson</loc>
		<lastmod>2018-05-10T18:26:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-nuckles</loc>
		<lastmod>2021-08-18T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-oldham</loc>
		<lastmod>2015-12-07T21:15:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-rubin</loc>
		<lastmod>2016-01-27T15:32:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-spiegel-berman</loc>
		<lastmod>2026-06-22T13:55:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jennifer-sumiec</loc>
		<lastmod>2020-12-23T15:03:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jenny-riley</loc>
		<lastmod>2016-12-29T17:39:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeremy-miller</loc>
		<lastmod>2017-12-28T18:55:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeremy-oswald</loc>
		<lastmod>2025-06-26T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeremy-pelofsky</loc>
		<lastmod>2015-12-07T21:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeremy-wright</loc>
		<lastmod>2021-06-28T13:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jeri-clausing</loc>
		<lastmod>2018-03-28T02:14:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jerry-kalish</loc>
		<lastmod>2015-12-14T21:26:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jerry-penso</loc>
		<lastmod>2015-08-25T15:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jerry-verseput-cfp</loc>
		<lastmod>2015-12-07T21:08:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jervis-dicicco</loc>
		<lastmod>2025-06-16T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jess-degabriele</loc>
		<lastmod>2018-09-05T17:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jess-mckay</loc>
		<lastmod>2021-11-02T13:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jesse-kessler</loc>
		<lastmod>2021-03-24T13:01:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jesse-meschuk</loc>
		<lastmod>2023-07-27T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jesse-panuccio</loc>
		<lastmod>2016-09-30T04:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jesse-slome</loc>
		<lastmod>2021-11-08T22:04:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-adams</loc>
		<lastmod>2025-07-03T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-bonar</loc>
		<lastmod>2022-10-17T09:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-brooks-phr-mpm</loc>
		<lastmod>2016-01-27T15:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-chang</loc>
		<lastmod>2026-02-23T10:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-cook</loc>
		<lastmod>2015-12-07T21:07:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-grossmeier</loc>
		<lastmod>2017-08-25T15:01:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-joseph</loc>
		<lastmod>2018-11-13T19:16:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-kim</loc>
		<lastmod>2023-01-26T14:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-lutrin</loc>
		<lastmod>2016-09-09T16:27:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-lynn-campbell</loc>
		<lastmod>2017-04-19T17:53:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-m-simons</loc>
		<lastmod>2019-01-17T21:57:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-mason</loc>
		<lastmod>2021-11-02T13:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-mathews</loc>
		<lastmod>2021-05-28T14:29:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-mcgregor</loc>
		<lastmod>2018-07-11T16:45:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-moser</loc>
		<lastmod>2016-01-27T21:48:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-reynolds</loc>
		<lastmod>2016-02-05T20:32:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-ruggles</loc>
		<lastmod>2024-11-11T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-stillman</loc>
		<lastmod>2015-12-07T21:03:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-toonkel</loc>
		<lastmod>2016-04-21T16:59:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-tuman</loc>
		<lastmod>2021-05-24T13:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-wohl</loc>
		<lastmod>2015-12-07T20:55:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jessica-word</loc>
		<lastmod>2020-12-28T16:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jewell-lim-esposito-esq</loc>
		<lastmod>2016-01-27T21:51:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jewels-lett</loc>
		<lastmod>2017-10-05T15:12:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jilian-mincer</loc>
		<lastmod>2015-12-14T16:42:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-collins</loc>
		<lastmod>2018-03-23T02:24:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-dobbe</loc>
		<lastmod>2026-04-09T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-hazan</loc>
		<lastmod>2018-08-31T16:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-pappenheimer</loc>
		<lastmod>2020-12-09T14:47:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-purcell</loc>
		<lastmod>2019-01-24T17:36:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-r-shah</loc>
		<lastmod>2020-11-18T16:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jill-spielberger</loc>
		<lastmod>2023-09-21T13:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jillian-m-collins</loc>
		<lastmod>2015-12-07T20:50:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-blachek</loc>
		<lastmod>2022-06-29T13:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-dobbs</loc>
		<lastmod>2022-06-27T21:57:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-lewis</loc>
		<lastmod>2017-08-29T16:25:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-lord</loc>
		<lastmod>2023-12-19T14:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-moniz</loc>
		<lastmod>2015-12-07T20:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-oconnel</loc>
		<lastmod>2016-05-12T15:17:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-rathburn</loc>
		<lastmod>2018-07-24T16:54:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-sampson</loc>
		<lastmod>2015-12-07T20:45:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-scheinberg</loc>
		<lastmod>2020-02-18T16:08:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-scully</loc>
		<lastmod>2018-03-14T18:21:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-slubowski</loc>
		<lastmod>2021-09-01T14:26:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-snyder</loc>
		<lastmod>2015-12-07T20:44:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jim-tygart</loc>
		<lastmod>2015-07-29T14:45:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jimbo-story</loc>
		<lastmod>2016-08-11T21:30:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jimmie-johnson</loc>
		<lastmod>2015-12-07T20:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jimmy-nesbitt</loc>
		<lastmod>2026-09-01T17:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joan-biskupic</loc>
		<lastmod>2015-12-07T20:41:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joan-gralla</loc>
		<lastmod>2015-12-07T20:36:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joan-harvey</loc>
		<lastmod>2018-12-12T17:55:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joan-quigley-bb534</loc>
		<lastmod>2015-12-07T20:34:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joann-hall-swenson</loc>
		<lastmod>2015-04-06T16:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanna-g-myers</loc>
		<lastmod>2015-12-04T16:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanna-kerpen</loc>
		<lastmod>2017-09-06T16:59:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanna-h-kim-brunetti</loc>
		<lastmod>2018-04-09T19:37:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanna-kuang</loc>
		<lastmod>2023-02-02T15:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanna-s-rich</loc>
		<lastmod>2016-07-18T17:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanna-strober</loc>
		<lastmod>2024-07-15T09:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joanne-a-sarasin</loc>
		<lastmod>2015-12-07T22:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jody-hunter</loc>
		<lastmod>2015-04-15T13:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-alim</loc>
		<lastmod>2022-11-22T14:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-altman</loc>
		<lastmod>2015-12-07T20:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-desilva</loc>
		<lastmod>2017-05-16T15:01:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-dimaggio-jr</loc>
		<lastmod>2024-08-27T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-dysart</loc>
		<lastmod>2017-01-17T14:10:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-frustaglio</loc>
		<lastmod>2015-12-07T20:31:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-guerrierro</loc>
		<lastmod>2017-01-24T17:09:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-hylak-reinholtz</loc>
		<lastmod>2015-09-24T18:04:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-lamantia-iii</loc>
		<lastmod>2024-12-24T16:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-markland</loc>
		<lastmod>2024-06-26T12:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-marullo</loc>
		<lastmod>2018-10-23T16:34:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-mayes</loc>
		<lastmod>2017-01-06T14:38:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-neil</loc>
		<lastmod>2017-01-27T23:47:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-rankin</loc>
		<lastmod>2018-07-13T18:25:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-sobczyk</loc>
		<lastmod>2015-12-07T20:30:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joel-berg</loc>
		<lastmod>2024-01-02T22:01:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joel-bruckenstein</loc>
		<lastmod>2016-05-06T15:30:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joel-kranc</loc>
		<lastmod>2016-08-12T01:34:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joel-mee</loc>
		<lastmod>2021-03-15T14:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joe-philo</loc>
		<lastmod>2021-03-29T13:01:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joel-rosenblatt</loc>
		<lastmod>2017-02-02T15:16:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joel-wood</loc>
		<lastmod>2017-04-06T15:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joelle-kaufman</loc>
		<lastmod>2018-11-19T17:50:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joelle-monaco</loc>
		<lastmod>2024-09-18T09:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joey-faucette</loc>
		<lastmod>2015-12-07T20:21:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-a-houlihan</loc>
		<lastmod>2015-12-07T20:19:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-adams</loc>
		<lastmod>2022-04-08T12:13:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-anderson-3</loc>
		<lastmod>2016-04-01T19:29:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-baker</loc>
		<lastmod>2015-12-07T20:18:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-barkett</loc>
		<lastmod>2017-09-27T15:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-battey</loc>
		<lastmod>2015-12-07T20:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-birmingham-jr</loc>
		<lastmod>2017-05-25T15:22:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-cannon</loc>
		<lastmod>2017-02-15T16:35:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-connell</loc>
		<lastmod>2015-03-25T20:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-crable-1009</loc>
		<lastmod>2017-02-08T17:23:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-d-martini</loc>
		<lastmod>2017-01-13T19:37:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-d-stoll</loc>
		<lastmod>2015-12-07T20:14:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-davis-chief-people-officer-at-payoneer</loc>
		<lastmod>2026-01-22T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-doyle</loc>
		<lastmod>2018-01-08T17:29:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-e-thompson</loc>
		<lastmod>2017-10-30T15:27:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-efstathiou-jr</loc>
		<lastmod>2015-12-07T20:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-f-galvin</loc>
		<lastmod>2015-12-07T20:12:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-f-wasik</loc>
		<lastmod>2016-05-11T18:42:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-farley</loc>
		<lastmod>2017-06-02T19:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-figueroa</loc>
		<lastmod>2019-04-24T16:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-e-garber-jr</loc>
		<lastmod>2021-02-12T20:31:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-gittelsohn-3</loc>
		<lastmod>2017-02-13T20:06:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-goodman</loc>
		<lastmod>2015-12-07T20:08:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-graham</loc>
		<lastmod>2016-12-28T16:02:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-hickman</loc>
		<lastmod>2016-01-27T22:04:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-hoben</loc>
		<lastmod>2024-10-23T09:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-j-bowen-jr-iag180</loc>
		<lastmod>2016-05-04T18:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-kahle</loc>
		<lastmod>2015-12-07T20:03:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-kern</loc>
		<lastmod>2018-07-18T18:16:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-kostoulas</loc>
		<lastmod>2017-11-02T16:18:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-lamb</loc>
		<lastmod>2013-11-20T15:50:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-lauerman</loc>
		<lastmod>2015-12-07T20:02:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-litchfield</loc>
		<lastmod>2018-09-21T01:34:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-lowell</loc>
		<lastmod>2024-07-10T17:21:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-ludlum</loc>
		<lastmod>2016-07-21T18:58:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-ludwig</loc>
		<lastmod>2017-05-12T19:14:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-mccormack</loc>
		<lastmod>2020-01-27T22:31:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-mccormick</loc>
		<lastmod>2018-04-12T16:01:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-mclachlan</loc>
		<lastmod>2015-12-07T19:58:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-mickner</loc>
		<lastmod>2017-08-17T16:58:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-miller-im2000750</loc>
		<lastmod>2019-04-03T16:16:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-milne</loc>
		<lastmod>2019-01-08T17:19:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-minahan</loc>
		<lastmod>2015-12-07T19:57:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-newcome</loc>
		<lastmod>2024-06-04T09:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-ortman</loc>
		<lastmod>2016-01-28T20:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-p-mclaughlin</loc>
		<lastmod>2015-12-07T19:43:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-patrick</loc>
		<lastmod>2017-11-14T20:55:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-polson</loc>
		<lastmod>2015-12-07T19:42:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-powers</loc>
		<lastmod>2021-12-13T14:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-quick</loc>
		<lastmod>2022-01-18T14:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-r-carrigan-jr</loc>
		<lastmod>2015-12-07T19:40:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-reosti</loc>
		<lastmod>2021-11-09T21:21:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-reynolds</loc>
		<lastmod>2015-12-07T19:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-s-lord-jr</loc>
		<lastmod>2017-06-29T22:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-schaefer</loc>
		<lastmod>2018-09-07T17:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-schifino</loc>
		<lastmod>2016-05-19T22:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-soat</loc>
		<lastmod>2018-05-07T14:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-stapleton</loc>
		<lastmod>2015-12-01T16:51:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-taft</loc>
		<lastmod>2018-04-23T17:32:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-thompson</loc>
		<lastmod>2015-12-07T19:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-thornton</loc>
		<lastmod>2022-02-15T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-tozzi</loc>
		<lastmod>2019-09-25T19:19:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-turner</loc>
		<lastmod>2015-09-17T13:16:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-vishneski</loc>
		<lastmod>2022-09-09T09:30:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-w-devine</loc>
		<lastmod>2017-08-18T19:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-whitesides</loc>
		<lastmod>2015-12-07T19:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/john-winner</loc>
		<lastmod>2022-05-06T13:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jolynn-m-pollard</loc>
		<lastmod>2018-03-09T21:53:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jon-cooper</loc>
		<lastmod>2022-08-09T13:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jon-edwards</loc>
		<lastmod>2016-08-17T15:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jon-prior</loc>
		<lastmod>2020-09-09T12:42:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/dr-jon-robison</loc>
		<lastmod>2015-12-04T15:29:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jon-shanahan</loc>
		<lastmod>2016-04-14T07:46:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-allen</loc>
		<lastmod>2015-12-07T19:33:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-blum</loc>
		<lastmod>2015-12-07T19:32:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-cohn</loc>
		<lastmod>2019-02-15T17:42:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-d-salant</loc>
		<lastmod>2015-12-14T18:27:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-dugas</loc>
		<lastmod>2015-12-07T19:31:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-finkelstein</loc>
		<lastmod>2017-04-18T15:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-kemp</loc>
		<lastmod>2019-11-15T19:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-l-israel-1550</loc>
		<lastmod>2017-06-12T15:02:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-m-calpas</loc>
		<lastmod>2015-12-08T22:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-maertz</loc>
		<lastmod>2018-05-31T19:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-michael-thomas</loc>
		<lastmod>2019-10-04T14:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-ormsby</loc>
		<lastmod>2016-03-02T17:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-prince</loc>
		<lastmod>2015-08-03T17:04:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-rickert</loc>
		<lastmod>2016-03-07T17:10:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-stempel</loc>
		<lastmod>2015-12-07T21:49:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-thorp</loc>
		<lastmod>2025-11-26T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jonathan-weitz</loc>
		<lastmod>2018-05-16T17:17:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joni-andrioff</loc>
		<lastmod>2023-11-16T14:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joni-youngwirth</loc>
		<lastmod>2016-05-11T21:03:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-birnbaum</loc>
		<lastmod>2020-07-13T17:44:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-burgess</loc>
		<lastmod>2016-11-30T17:02:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-grushkin</loc>
		<lastmod>2018-08-16T18:08:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-peace</loc>
		<lastmod>2021-03-05T14:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-robertson</loc>
		<lastmod>2016-12-15T18:05:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-rogers</loc>
		<lastmod>2017-04-27T15:01:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-stutts</loc>
		<lastmod>2022-06-29T16:11:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordan-zaslav</loc>
		<lastmod>2024-09-05T13:55:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jordann-donskey</loc>
		<lastmod>2016-10-06T23:05:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jorge-m-leon</loc>
		<lastmod>2017-07-26T16:28:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jose-laurel</loc>
		<lastmod>2018-05-29T18:19:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-appelbaum</loc>
		<lastmod>2015-01-16T17:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-berardo-jr</loc>
		<lastmod>2015-12-07T19:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-blasi</loc>
		<lastmod>2020-05-05T18:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-coughlin</loc>
		<lastmod>2024-12-26T17:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-dibella</loc>
		<lastmod>2014-11-05T18:48:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-donlan</loc>
		<lastmod>2016-10-27T15:01:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-giandonato</loc>
		<lastmod>2016-06-21T16:08:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-goedert</loc>
		<lastmod>2019-11-20T15:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-holahan</loc>
		<lastmod>2018-01-12T03:14:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-jenkins</loc>
		<lastmod>2016-03-16T16:16:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-k-urwitz</loc>
		<lastmod>2016-08-15T17:21:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-l-murgo</loc>
		<lastmod>2017-10-17T15:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-lisanti-iag673</loc>
		<lastmod>2016-06-23T17:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-m-dibella</loc>
		<lastmod>2023-02-22T14:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joseph-s-adams</loc>
		<lastmod>2015-12-07T18:55:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josephine-berisha</loc>
		<lastmod>2019-05-15T15:44:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-butler</loc>
		<lastmod>2023-03-01T14:37:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-collins</loc>
		<lastmod>2018-06-01T16:59:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-eidelson</loc>
		<lastmod>2019-09-19T17:26:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-mccullough</loc>
		<lastmod>2015-05-13T19:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-merrill</loc>
		<lastmod>2023-11-02T13:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-norris</loc>
		<lastmod>2015-12-07T18:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-stevens</loc>
		<lastmod>2016-01-27T22:12:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-waldbeser</loc>
		<lastmod>2018-06-21T17:26:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/josh-wingrove</loc>
		<lastmod>2016-10-19T16:40:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joshua-coleman</loc>
		<lastmod>2015-12-14T17:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joshua-gallu</loc>
		<lastmod>2015-12-07T18:50:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joshua-j-waldbeser</loc>
		<lastmod>2018-05-24T16:58:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joshua-jones</loc>
		<lastmod>2024-07-23T09:30:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/joy-sellstrom</loc>
		<lastmod>2018-04-12T18:14:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/juan-pablo-segura-3</loc>
		<lastmod>2020-07-22T14:54:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/judith-aquino</loc>
		<lastmod>2015-12-07T18:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jules-levenson</loc>
		<lastmod>2023-11-15T14:00:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julia-byrne</loc>
		<lastmod>2020-02-04T19:27:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julia-hoffman</loc>
		<lastmod>2022-03-29T13:00:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julia-hu</loc>
		<lastmod>2022-06-09T13:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julia-voloshchenko</loc>
		<lastmod>2024-03-06T15:13:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julian-varela</loc>
		<lastmod>2015-08-26T20:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/juliane-kowalski</loc>
		<lastmod>2021-09-30T13:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julianna-goldman</loc>
		<lastmod>2015-12-14T19:36:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-bykowicz</loc>
		<lastmod>2015-12-07T18:42:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-coleman</loc>
		<lastmod>2021-08-17T18:07:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-feece</loc>
		<lastmod>2016-08-29T16:11:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-hirschfeld-davis</loc>
		<lastmod>2015-12-07T18:40:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-knudson</loc>
		<lastmod>2015-12-07T18:39:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-malida</loc>
		<lastmod>2015-12-07T18:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-rovner</loc>
		<lastmod>2019-08-19T22:05:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-selesnick</loc>
		<lastmod>2025-03-20T09:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-steenhuysen</loc>
		<lastmod>2015-12-15T14:27:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-stone</loc>
		<lastmod>2017-09-27T15:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/julie-verhage</loc>
		<lastmod>2016-10-24T13:40:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/juliette-fairley</loc>
		<lastmod>2015-12-07T18:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/jung-ryu</loc>
		<lastmod>2018-05-16T17:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/justin-fox</loc>
		<lastmod>2017-08-21T20:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/justin-holland</loc>
		<lastmod>2021-11-16T14:00:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/justin-leader</loc>
		<lastmod>2024-08-28T09:30:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/justin-sink</loc>
		<lastmod>2017-02-23T15:14:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/justin-stephani</loc>
		<lastmod>2016-04-22T19:25:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/k-jared-wright</loc>
		<lastmod>2024-04-05T20:26:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kahini-shah</loc>
		<lastmod>2025-04-10T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kai-andrews</loc>
		<lastmod>2020-01-21T16:13:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kaitlyn-mattson</loc>
		<lastmod>2022-02-24T15:15:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kaitlyn-white</loc>
		<lastmod>2024-11-21T16:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kamran-mirrafati</loc>
		<lastmod>2017-07-25T16:13:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kandis-b-daroski</loc>
		<lastmod>2023-10-17T13:04:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kara-l-lincoln</loc>
		<lastmod>2015-12-07T21:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kara-m-soderstrom</loc>
		<lastmod>2015-12-08T16:28:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kara-melber</loc>
		<lastmod>2020-01-31T16:07:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kara-watkins</loc>
		<lastmod>2022-10-24T13:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-andres</loc>
		<lastmod>2022-10-24T13:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-boone</loc>
		<lastmod>2019-11-19T19:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-frost</loc>
		<lastmod>2020-10-30T14:31:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-gullo</loc>
		<lastmod>2015-12-07T18:25:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-jacobs</loc>
		<lastmod>2015-12-03T20:18:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-manning</loc>
		<lastmod>2015-12-07T18:23:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-marlo</loc>
		<lastmod>2015-12-07T18:22:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-moseley</loc>
		<lastmod>2024-05-16T16:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-murray</loc>
		<lastmod>2017-08-07T18:54:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-piercy</loc>
		<lastmod>2015-12-07T18:21:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-swanson-haan</loc>
		<lastmod>2015-12-01T20:41:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karen-thomas</loc>
		<lastmod>2022-12-07T14:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kari-mayfield</loc>
		<lastmod>2025-06-17T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karin-ajmani</loc>
		<lastmod>2020-09-25T12:36:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karin-matz</loc>
		<lastmod>2015-12-07T18:20:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karoline-hilu</loc>
		<lastmod>2019-12-04T21:55:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karrie-andes</loc>
		<lastmod>2015-12-07T18:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karsten-vagner</loc>
		<lastmod>2020-11-23T15:36:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karyn-rhodes</loc>
		<lastmod>2015-12-07T18:17:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/karyn-twaronite</loc>
		<lastmod>2020-05-15T18:56:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kasey-devine</loc>
		<lastmod>2026-07-27T09:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kat-judd</loc>
		<lastmod>2018-08-28T16:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-bongiovanni</loc>
		<lastmod>2015-12-07T18:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-field</loc>
		<lastmod>2019-06-04T19:46:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-fitzgerald</loc>
		<lastmod>2022-08-24T15:06:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-gray</loc>
		<lastmod>2022-04-08T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-kelland</loc>
		<lastmod>2015-12-07T18:15:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-mckinnon</loc>
		<lastmod>2026-07-16T09:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-okeeffe</loc>
		<lastmod>2018-08-03T17:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-ryder</loc>
		<lastmod>2019-04-15T15:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kate-winget</loc>
		<lastmod>2026-05-01T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katelyn-d-winslow</loc>
		<lastmod>2016-10-05T17:34:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katelynn-m-williams</loc>
		<lastmod>2018-08-06T16:30:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katherine-chiglinsky</loc>
		<lastmod>2019-03-06T14:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katherine-doherty</loc>
		<lastmod>2016-10-14T14:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katherine-hinde</loc>
		<lastmod>2016-01-27T14:23:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katherine-shanahan</loc>
		<lastmod>2026-08-25T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-dreyfus-bardunias</loc>
		<lastmod>2019-09-11T17:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-greer-3</loc>
		<lastmod>2024-11-25T16:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-greer</loc>
		<lastmod>2025-02-10T15:50:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-hunter</loc>
		<lastmod>2015-12-14T18:57:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-kingsbury</loc>
		<lastmod>2015-12-14T17:51:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-koster</loc>
		<lastmod>2017-01-13T03:29:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-miller</loc>
		<lastmod>2015-12-14T19:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathleen-quinn-votaw</loc>
		<lastmod>2022-08-04T13:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathryn-k-bongiovanni</loc>
		<lastmod>2015-12-07T17:52:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathryn-mayer</loc>
		<lastmod>2024-04-05T21:12:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathy-aizawa</loc>
		<lastmod>2017-04-17T15:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kathy-diaz</loc>
		<lastmod>2024-07-02T09:30:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katia-dmitrieva</loc>
		<lastmod>2015-12-07T17:50:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katie-blakeley</loc>
		<lastmod>2020-10-05T18:50:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katie-casaday</loc>
		<lastmod>2021-01-22T15:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katie-fitzgerald</loc>
		<lastmod>2026-01-08T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katie-mevis</loc>
		<lastmod>2023-10-19T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katy-dahlstrom</loc>
		<lastmod>2018-12-24T15:20:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/katy-stowers</loc>
		<lastmod>2017-03-13T15:36:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kay-curling</loc>
		<lastmod>2017-09-18T20:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kayla-oneal</loc>
		<lastmod>2015-02-13T17:47:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kayla-webster</loc>
		<lastmod>2024-04-05T19:57:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kaylin-gaver</loc>
		<lastmod>2021-05-17T13:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kayly-hill</loc>
		<lastmod>2022-10-18T13:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-algozzine</loc>
		<lastmod>2023-01-04T10:30:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-button</loc>
		<lastmod>2025-04-02T16:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-clark</loc>
		<lastmod>2018-05-02T18:33:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-falk</loc>
		<lastmod>2020-04-23T18:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-kitani</loc>
		<lastmod>2015-11-12T16:11:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-mcneil</loc>
		<lastmod>2022-04-20T13:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-naughton</loc>
		<lastmod>2019-09-18T20:20:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-r-mcmurdy</loc>
		<lastmod>2016-10-10T17:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-wallace-3</loc>
		<lastmod>2023-12-11T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-ward</loc>
		<lastmod>2023-01-03T14:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keith-weber</loc>
		<lastmod>2016-07-05T12:42:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelley-butler</loc>
		<lastmod>2016-01-28T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelli-b-send</loc>
		<lastmod>2016-03-31T03:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelli-cruz-iag758</loc>
		<lastmod>2020-03-09T14:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-barcelos</loc>
		<lastmod>2016-05-19T16:44:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-beckner</loc>
		<lastmod>2022-04-19T13:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-bliss-3</loc>
		<lastmod>2018-05-16T18:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-g-parker-cpa</loc>
		<lastmod>2015-12-07T15:14:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-h-kolb</loc>
		<lastmod>2015-12-15T17:11:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-l-clark</loc>
		<lastmod>2019-01-30T17:30:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-lima</loc>
		<lastmod>2019-12-03T21:08:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-odonnell</loc>
		<lastmod>2020-12-21T19:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-polinski</loc>
		<lastmod>2025-08-11T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-riggs</loc>
		<lastmod>2018-03-26T17:23:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelly-t-kindig</loc>
		<lastmod>2015-12-08T20:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelsey-a-ogorman</loc>
		<lastmod>2017-10-05T16:36:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelsey-wong</loc>
		<lastmod>2018-08-17T02:47:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kelsy-holliday-schiavon</loc>
		<lastmod>2023-03-15T22:10:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kemper-patton</loc>
		<lastmod>2026-06-26T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-cahill</loc>
		<lastmod>2020-11-02T14:57:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-esch</loc>
		<lastmod>2015-12-07T14:59:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-hahn</loc>
		<lastmod>2018-04-09T16:53:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-haman</loc>
		<lastmod>2016-06-30T20:50:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-hume</loc>
		<lastmod>2016-09-28T16:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-mason</loc>
		<lastmod>2017-11-10T14:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-mccarthy</loc>
		<lastmod>2023-09-20T17:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-miller</loc>
		<lastmod>2014-12-26T16:44:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ken-waineo</loc>
		<lastmod>2018-01-10T20:56:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kendall-waters</loc>
		<lastmod>2019-02-01T00:15:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kendra-strickland</loc>
		<lastmod>2016-02-29T19:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kenneth-c-broodo</loc>
		<lastmod>2019-04-16T15:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kenneth-corbin-iag845</loc>
		<lastmod>2021-08-31T19:32:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kenneth-ginder</loc>
		<lastmod>2017-12-22T00:46:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kenneth-laverriere</loc>
		<lastmod>2017-02-15T16:35:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kenneth-w-ruthenberg-jr</loc>
		<lastmod>2015-12-07T14:54:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kent-bartell</loc>
		<lastmod>2018-02-07T17:33:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kent-sparks</loc>
		<lastmod>2017-11-16T20:35:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/keri-robertson</loc>
		<lastmod>2025-05-20T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kerri-anne-renzulli</loc>
		<lastmod>2021-06-02T03:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kerry-bandow</loc>
		<lastmod>2018-04-12T18:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kerry-grens</loc>
		<lastmod>2015-12-07T14:53:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kerry-norman</loc>
		<lastmod>2025-10-02T12:12:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/ketaki-gokhale</loc>
		<lastmod>2015-12-07T14:52:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-a-roberts</loc>
		<lastmod>2015-12-07T14:51:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-boyles</loc>
		<lastmod>2015-05-01T12:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-curran</loc>
		<lastmod>2026-08-31T17:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-curry</loc>
		<lastmod>2017-07-17T15:07:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-dunn</loc>
		<lastmod>2018-06-29T03:11:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-dunn-ceo-and-cofounder-kenyaku</loc>
		<lastmod>2026-06-11T09:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-e-hyde</loc>
		<lastmod>2016-12-29T22:58:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-finnell</loc>
		<lastmod>2015-12-07T14:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-g-bender</loc>
		<lastmod>2017-09-18T20:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-gaston</loc>
		<lastmod>2026-05-04T09:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-knight</loc>
		<lastmod>2024-01-02T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-mcguire</loc>
		<lastmod>2017-08-07T15:47:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-mcnamara</loc>
		<lastmod>2016-12-22T16:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-renner</loc>
		<lastmod>2016-03-07T17:04:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-robertson</loc>
		<lastmod>2026-08-07T09:30:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-ryan</loc>
		<lastmod>2015-12-07T14:49:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-swan</loc>
		<lastmod>2021-06-28T13:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-sweeney-3</loc>
		<lastmod>2015-12-07T14:47:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-trokey</loc>
		<lastmod>2015-12-07T14:46:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-valencia</loc>
		<lastmod>2021-10-19T13:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-w-grossman</loc>
		<lastmod>2022-09-16T13:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-wack</loc>
		<lastmod>2024-01-26T16:11:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-walsh</loc>
		<lastmod>2015-10-15T19:39:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kevin-williams</loc>
		<lastmod>2015-08-06T20:14:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kiel-porter</loc>
		<lastmod>2016-11-21T14:28:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-buckey</loc>
		<lastmod>2020-10-21T15:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-dixon</loc>
		<lastmod>2015-12-07T14:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-eckelbarger</loc>
		<lastmod>2025-08-25T18:12:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-hart</loc>
		<lastmod>2026-03-18T15:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-lockett</loc>
		<lastmod>2021-06-21T13:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-martin</loc>
		<lastmod>2017-10-23T15:11:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-shumate</loc>
		<lastmod>2025-01-27T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kim-thiboldeaux</loc>
		<lastmod>2026-04-24T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kimberly-a-ross</loc>
		<lastmod>2017-01-25T16:34:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kimberly-dunwoody</loc>
		<lastmod>2025-04-23T18:16:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kimberly-foss</loc>
		<lastmod>2020-04-07T16:29:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kimberly-jinnett</loc>
		<lastmod>2019-05-30T16:15:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kiran-bajpai</loc>
		<lastmod>2020-02-25T15:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kirat-kharode</loc>
		<lastmod>2026-03-30T12:41:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kisha-alexander</loc>
		<lastmod>2017-05-09T16:01:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kishore-durg</loc>
		<lastmod>2018-07-26T17:58:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/koh-tanimoto</loc>
		<lastmod>2017-10-05T16:36:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/koray-bulut</loc>
		<lastmod>2015-12-14T20:24:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kraig-kleeman</loc>
		<lastmod>2025-01-14T15:15:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/krieg-devault</loc>
		<lastmod>2016-01-27T14:11:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kris-duggan</loc>
		<lastmod>2016-07-18T16:59:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/krishnakali-sengupta</loc>
		<lastmod>2015-12-07T14:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/krista-krumina</loc>
		<lastmod>2023-04-18T13:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/krista-m-cabrera</loc>
		<lastmod>2018-09-14T01:46:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/krista-sterken</loc>
		<lastmod>2017-02-02T21:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kriste-naples-deangelo-cpa</loc>
		<lastmod>2015-12-07T14:37:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-carlisle</loc>
		<lastmod>2023-04-24T09:30:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-griffin</loc>
		<lastmod>2021-04-19T13:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-hallam</loc>
		<lastmod>2015-12-07T14:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-larson</loc>
		<lastmod>2025-05-01T14:59:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-mcalister</loc>
		<lastmod>2016-10-20T17:19:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-moody</loc>
		<lastmod>2021-12-03T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristen-warfield</loc>
		<lastmod>2022-09-19T09:30:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristi-birkeland</loc>
		<lastmod>2017-01-17T17:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristian-ranta</loc>
		<lastmod>2024-08-14T09:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristin-baker-spohn</loc>
		<lastmod>2015-09-11T15:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristin-broughton</loc>
		<lastmod>2018-06-13T16:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristin-johnson</loc>
		<lastmod>2021-05-07T16:30:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristin-tugman</loc>
		<lastmod>2014-10-30T15:27:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristin-turner</loc>
		<lastmod>2026-08-04T09:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristin-utler</loc>
		<lastmod>2019-09-25T17:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristina-cooke</loc>
		<lastmod>2015-12-07T14:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristina-wallender</loc>
		<lastmod>2022-11-10T14:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristina-welke</loc>
		<lastmod>2026-08-14T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristine-bingman</loc>
		<lastmod>2018-03-20T17:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kristy-marino</loc>
		<lastmod>2016-10-05T15:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/krystal-barker-buissereth</loc>
		<lastmod>2024-11-11T15:17:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kurt-cegielski</loc>
		<lastmod>2025-05-15T15:29:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kurt-haag</loc>
		<lastmod>2015-12-07T14:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kurt-jasin</loc>
		<lastmod>2017-01-13T17:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kurt-linsenmayer</loc>
		<lastmod>2017-05-17T16:24:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kurt-r-anderson</loc>
		<lastmod>2016-04-21T17:03:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-allen-3</loc>
		<lastmod>2022-03-08T14:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-hodges</loc>
		<lastmod>2015-12-28T14:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-lagunas</loc>
		<lastmod>2015-12-07T14:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-peterson</loc>
		<lastmod>2015-12-07T14:29:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-raffaniello</loc>
		<lastmod>2020-09-09T13:18:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-sanders</loc>
		<lastmod>2017-12-01T16:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kyle-walters</loc>
		<lastmod>2020-12-07T16:19:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kylene-zenk</loc>
		<lastmod>2026-04-07T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/kylie-hennagin</loc>
		<lastmod>2016-07-01T13:17:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/l-scott-austin</loc>
		<lastmod>2015-12-07T14:26:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lacey-robinson</loc>
		<lastmod>2018-06-07T16:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lakshmi-raj</loc>
		<lastmod>2019-05-30T22:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lana-mellis</loc>
		<lastmod>2023-11-30T10:30:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lana-mellis-3</loc>
		<lastmod>2022-08-16T13:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lara-rosenblum</loc>
		<lastmod>2021-03-24T13:36:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larae-holliday</loc>
		<lastmod>2023-07-25T13:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larry-barrett</loc>
		<lastmod>2016-07-05T12:53:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larry-boress</loc>
		<lastmod>2019-07-19T17:56:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larry-meyers</loc>
		<lastmod>2021-03-22T21:24:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larry-nisenson-3</loc>
		<lastmod>2020-10-07T14:10:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larry-r-goldstein</loc>
		<lastmod>2016-12-05T18:19:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/larry-sher</loc>
		<lastmod>2021-05-28T14:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lars-golumbic</loc>
		<lastmod>2015-12-14T17:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/latonia-mcginnis</loc>
		<lastmod>2021-06-04T14:46:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-alix</loc>
		<lastmod>2021-08-17T15:08:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-cave</loc>
		<lastmod>2025-10-14T16:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-davison</loc>
		<lastmod>2020-08-24T16:26:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-a-elkayam</loc>
		<lastmod>2019-05-10T13:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-gieseke</loc>
		<lastmod>2024-03-21T09:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-hamill</loc>
		<lastmod>2019-08-16T16:32:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-hescock</loc>
		<lastmod>2026-06-01T15:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-kerekes</loc>
		<lastmod>2015-09-25T15:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-kersey</loc>
		<lastmod>2019-07-27T23:16:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-l-myers</loc>
		<lastmod>2015-12-07T14:18:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-mims</loc>
		<lastmod>2026-07-01T09:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laura-muka</loc>
		<lastmod>2017-01-25T20:12:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laurel-brubaker-calkins</loc>
		<lastmod>2016-11-23T20:01:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laurel-taylor</loc>
		<lastmod>2026-01-16T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-gubricky</loc>
		<lastmod>2022-09-09T09:30:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-herring</loc>
		<lastmod>2020-02-12T17:12:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-hoeck</loc>
		<lastmod>2019-04-26T16:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-hoffman</loc>
		<lastmod>2026-06-26T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-keiper</loc>
		<lastmod>2015-12-07T14:17:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-stoddard</loc>
		<lastmod>2018-09-07T17:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lauren-tropeano</loc>
		<lastmod>2026-02-26T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laurie-mitchell</loc>
		<lastmod>2017-06-22T17:59:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laurie-s-miller-mba</loc>
		<lastmod>2013-10-02T15:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/laurie-sharp-page</loc>
		<lastmod>2018-05-07T17:46:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lavonne-kuydendall</loc>
		<lastmod>2015-12-07T14:15:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lawrence-jenab</loc>
		<lastmod>2015-04-09T18:08:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leah-binder</loc>
		<lastmod>2015-03-02T19:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leah-schnurr</loc>
		<lastmod>2015-12-07T14:00:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leah-shepherd</loc>
		<lastmod>2018-01-11T05:40:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leah-warwick</loc>
		<lastmod>2025-07-01T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leanne-fosbre</loc>
		<lastmod>2012-09-26T12:55:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leanne-mehrman</loc>
		<lastmod>2016-10-06T18:56:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-barney</loc>
		<lastmod>2016-07-05T13:34:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-conrad</loc>
		<lastmod>2021-05-28T14:49:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-gjertsen</loc>
		<lastmod>2015-12-04T15:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-hafner</loc>
		<lastmod>2026-08-27T19:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-lewis</loc>
		<lastmod>2021-09-21T13:00:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-povey</loc>
		<lastmod>2025-07-21T18:59:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lee-topley</loc>
		<lastmod>2015-12-04T15:40:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lenna-rinne</loc>
		<lastmod>2026-05-28T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leif-oleary</loc>
		<lastmod>2021-11-01T13:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leigh-c-riley</loc>
		<lastmod>2019-06-20T21:12:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lenny-liebmann</loc>
		<lastmod>2019-04-25T15:04:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leo-goncalves</loc>
		<lastmod>2025-11-20T10:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leonard-feigel-1649</loc>
		<lastmod>2018-10-12T01:45:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leonard-sanicola</loc>
		<lastmod>2014-05-19T17:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leonard-wilson</loc>
		<lastmod>2016-12-15T00:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/les-c-meyer-mba</loc>
		<lastmod>2021-11-19T10:30:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leslie-braksick</loc>
		<lastmod>2024-08-01T09:30:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leslie-csonka</loc>
		<lastmod>2016-11-02T16:22:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leslie-helou</loc>
		<lastmod>2023-12-27T10:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/leslie-patton</loc>
		<lastmod>2014-07-30T15:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lester-morales</loc>
		<lastmod>2025-01-08T10:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/levy-leatherman</loc>
		<lastmod>2017-09-20T15:01:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lewis-krauskopf</loc>
		<lastmod>2015-12-04T15:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lexi-clarke</loc>
		<lastmod>2025-07-22T09:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/liana-magner</loc>
		<lastmod>2017-01-04T03:23:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lianne-jacobs</loc>
		<lastmod>2023-03-23T13:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/libby-gill</loc>
		<lastmod>2015-01-05T18:21:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/liisa-granfors-hunt</loc>
		<lastmod>2018-08-27T16:45:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/liliana-chitnis</loc>
		<lastmod>2021-02-10T17:00:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/limra-research-staff</loc>
		<lastmod>2016-05-02T15:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lincoln-dirks</loc>
		<lastmod>2016-03-22T15:17:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-anegawa</loc>
		<lastmod>2026-07-29T09:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-brito</loc>
		<lastmod>2021-11-09T14:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-chous</loc>
		<lastmod>2016-03-15T17:31:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-haynes</loc>
		<lastmod>2018-05-10T18:26:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-hollinshead</loc>
		<lastmod>2015-12-04T15:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-itskovitz</loc>
		<lastmod>2016-03-03T17:36:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-k-riddell</loc>
		<lastmod>2024-11-25T10:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-lemel-hoseman</loc>
		<lastmod>2016-09-30T20:42:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-mccormack</loc>
		<lastmod>2022-08-19T13:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-rappaport</loc>
		<lastmod>2017-02-15T16:35:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-rowings</loc>
		<lastmod>2015-12-04T15:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-stern</loc>
		<lastmod>2015-12-15T14:15:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/linda-wagar</loc>
		<lastmod>2015-12-04T15:21:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lindsay-jurist-rosner</loc>
		<lastmod>2022-08-23T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lindsay-steckler</loc>
		<lastmod>2017-06-06T17:14:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/author/lindsey-konkel</loc>
		<lastmod>2015-12-04T15:20:57+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->