I don’t have to tell you that the deck has been stacked against employee benefit advisers in recent years. Of course, there are the changes and resulting uncertainty brought on directly by health care reform to blame: placing brokers on the wrong side of the medical loss ratio and introducing unlicensed navigators into the business, just to name a couple.
Even so, other causes for concern have been mounting independently for quite some time: an owner-dependent growth model at a time when the industry is rapidly graying, and commission slashes and contract limiting by carriers come to mind.
