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Some baby boomers are carrying too much risk in their retirement portfolios because of the stock market’s rapid rise over the past five years.

Advisers who provide a variety of distribution methods, year-round support and targeted messages help employees better understand their benefits, which leads to increased participation.

State-based marketplaces were overall quite successful in retaining enrollees, however, a large number of consumers shopping within the marketplace during 2015 open enrollment decided to switch plans based on the price of services offered.

Commentary: The health care cost crisis needs to be addressed now. Enter applied predictive analytics.

While states are starting to realize they need to step up and help private sector employers better prepare their employees for retirement, Americans continue to fall short in meeting their economic needs in retirement.

With its streamlined technology platform and no fee business model, Zenefits has created quite a stir in the benefits industry. Should brokers be scared or should they be thanking Zenefits for pushing the envelope?

Commentary: If you ask people how they would make decisions today while working, most would tell you they can only make an educated guess or seek advice from financial professionals. Imagine how disconcerting this is when they no longer work and earn paychecks.

Commentary: When it comes to disabilities, employers need to do more than simply provide accommodations.

As pressure mounts on state-run public health insurance exchanges to be financially self-sufficient in time for 2016, consumer operated and oriented plans created under the Affordable Care Act face the same challenge. And with two recent troubling developments in the CO-OP space, there are renewed questions about the long-term viability of these nonprofit entities.

There are three types of brokers: the transactional broker, the Zenefits-style broker and the new school premier broker — but soon only one of them will be successful.