Melissa A. Winn

Fiduciary responsibility requires the careful selection of default retirement investments. Benefit advisers can add value with knowledgeable advice on qualified default investment alternatives, including through the use of selection tools.

HR technology company Namely has launched an internal benefits brokerage as part of its goal to be an end to end HR solution for growing startups. But the company wants to work with other brokers, not in competition with them.

Questions from industry stakeholders have prompted the Obama administration to clarify annual limits on cost sharing under the ACA and how they apply to individuals, families, and self-funded and large group health plans.

The ACA’s mandated expansion of the definition of the small group market would limit employers’ health plan options and lead to premium increases, according to employer groups that are urging the repeal of the mandate before it takes effect in 2016.

Analysts predict Aetna is planning to acquire another carrier in the near future, likely Humana or Cigna, a move that promises to disrupt the industry.

Multi-employers that continue to offer health care benefits to retirees are embracing retiree-only plans as a cost-saving measure. While retiree-only plans are not subject to all of the rules of the ACA, there are still requirements employers and advisers should be aware of.

The DOL’s proposed fiduciary rule could have dire consequences for the business of benefit advisers, according to NAIFA. The association is taking its concerns straight to The White House and lawmakers in Washington, D.C.

Discussion about the ACA has moved from understanding it to implementing it, but employers and their advisers continue to meet challenges in doing so.

Employee engagement is the challenge of many wellness programs, but several companies have improved employee participation with gaming and, yes, zombies.

Prescription drug prices continue to rise in 2015, compelling employers and their advisers to take action through innovative plan designs.

Employees report increased confidence in retirement readiness with lifetime income options, but few utilize such plans when offered by employers. Advisers can help match interest with engagement.

Assurant Health announced this week it will be sold or shut down by the end of 2016, a move the parent company attributes to million-dollar losses as a result of the ACA.

CMS says it will pay close attention to compliance with agent/broker standards during audits of qualified health plans offered in the FFM in 2015.

The excise tax remains a primary focus for employers as they plan their health care coverage strategy for 2016 and 2017, and many will be looking for assistance from their benefit adviser to address their concerns.

Gibson Insurance and its CEO Tim Leman are known in industry circles for their trailblazing social media presence, but many brokerages still wonder, what is the real return on investment from online marketing?

The Affordable Care Act has increased the burden for benefit professionals and forced employers to alter their business practices to comply with the health care reform law, industry experts told Congress.

A third of employers say they’ve experienced fines and penalties in the past year because of non-compliance with government regulations, many of which they are simply unaware of. For many, expert advice from benefit advisers could be a real solution.

Employers are increasing the amount of their retirement plan contributions, a move industry experts say has also led to increased account balances and plan engagement.

NIPR says 2014 was a record year for processing transactions and inquiries, highlighting the industry’s need and desire for streamlined licensing for benefit brokers and agents.

Young benefit advisers are spearheading many of the efforts that promise to keep the benefits profession relevant in the 21st century. EBA’s 2015 Rising Stars in Advising are not just navigating the benefits industry, they’re paving its new frontier.