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First seen as a silver bullet to cut costs, employers now know the true value of the platform, Willis Towers Watson mid-market exchange head Rob Harkins says.

Companies that do not recognize workers, ask for feedback or create a team environment are at a competitive disadvantage.

Many workers use health savings accounts as specialized checking accounts, instead of using them to set aside money on a tax-favored basis for future medical expenses.

Seniors are advised to withdraw from taxable and other retirement accounts before taking distributions from their HSA.

Employers must conduct a thorough review of their plans’ written forms and actual operations so they don’t lose their tax exempt status.

Coaches can address risk factors and prevent the future health problems of employees who struggle with stress, sleep issues or lack of exercise.

Advisers must help employers who want to attract top talent to offer their employees a wide array of product options.

Employees have some simple but significant false ideas about their retirement plans. And employers need to do a better job addressing them during education sessions.

Offering too many elective benefits at once confuses employees and becomes counter-productive.

From creating a health insurance magazine resource to building a wellness program, no challenge is too large for Totem Solutions’ Debbie Schultz.