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		<loc>https://www.benefitnews.com/advisers/opinion/how-to-differentiate-yourself-from-the-competition</loc>
		<lastmod>2014-08-22T12:40:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-factors-to-help-employees-target-their-retirement-savings-goals</loc>
		<lastmod>2014-08-28T11:59:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-sell-like-a-girl-scout</loc>
		<lastmod>2014-08-28T15:02:18+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/retirement-has-changed-but-erisa-still-holds-up</loc>
		<lastmod>2014-09-03T12:19:17+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/how-exchanges-are-influencing-the-consumerization-of-health-care</loc>
		<lastmod>2014-09-03T13:51:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-tips-to-succeed-in-a-complex-business-environment</loc>
		<lastmod>2014-09-03T17:39:09+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-engage-millennials-with-voluntary-benefits</loc>
		<lastmod>2014-09-03T19:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tackling-fantasy-football-in-the-workplace</loc>
		<lastmod>2014-09-04T12:53:33+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-create-trust-in-the-sales-process</loc>
		<lastmod>2014-09-04T17:34:01+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-right-questions-to-ask-to-make-the-sale</loc>
		<lastmod>2014-09-04T18:51:53+00:00</lastmod>
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		<loc>https://www.benefitnews.com/advisers/opinion/clinical-trials-what-advisers-and-plan-sponsors-need-to-know</loc>
		<lastmod>2014-09-05T13:19:59+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/4-ways-your-401-k-participants-can-save-more</loc>
		<lastmod>2014-09-09T12:32:28+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-steps-to-take-when-reviewing-fee-disclosures</loc>
		<lastmod>2014-09-09T13:17:40+00:00</lastmod>
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		<loc>https://www.benefitnews.com/advisers/opinion/how-to-create-a-fool-proof-marketing-campaign-2743690</loc>
		<lastmod>2014-09-09T18:35:53+00:00</lastmod>
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		<loc>https://www.benefitnews.com/advisers/opinion/2-simple-questions-you-must-ask-your-staff</loc>
		<lastmod>2014-09-11T13:17:11+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-create-a-fool-proof-marketing-campaign</loc>
		<lastmod>2014-09-11T16:55:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/you-have-to-change-your-way-of-thinking</loc>
		<lastmod>2014-09-11T18:47:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/specific-questions-that-will-determine-the-future-of-your-business</loc>
		<lastmod>2014-09-12T16:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/does-apples-healthkit-signal-the-end-of-employer-based-health-insurance</loc>
		<lastmod>2014-09-12T16:37:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-red-flags-may-indicate-social-media-investing-scams</loc>
		<lastmod>2014-09-16T13:18:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dont-leave-money-on-the-table</loc>
		<lastmod>2014-09-16T14:10:57+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/the-nasty-surprises-behind-401-k-group-annuities</loc>
		<lastmod>2014-09-17T13:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-private-exchanges-the-next-big-thing-in-employer-health-care-offerings</loc>
		<lastmod>2014-09-17T14:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-new-technologies-are-changing-the-face-of-benefits-enrollment</loc>
		<lastmod>2014-09-17T16:46:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-areas-of-caution-with-frontier-market-investments</loc>
		<lastmod>2014-09-23T16:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-missed-opportunity-of-narrow-networks</loc>
		<lastmod>2014-09-23T18:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-benefit-your-c-suite-clients-need</loc>
		<lastmod>2014-09-24T16:24:05+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-pique-interest-in-life-insurance</loc>
		<lastmod>2014-09-25T13:18:05+00:00</lastmod>
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		<loc>https://www.benefitnews.com/advisers/opinion/employee-status-are-your-clients-in-compliance</loc>
		<lastmod>2014-09-25T18:34:06+00:00</lastmod>
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		<loc>https://www.benefitnews.com/advisers/opinion/how-brokers-can-leverage-data-analytics</loc>
		<lastmod>2014-09-26T13:59:44+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-help-employees-close-the-widening-gap-in-health-insurance-coverage</loc>
		<lastmod>2014-09-26T17:11:55+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/trick-or-treat-boost-engagement-and-loyalty-with-creative-perks</loc>
		<lastmod>2014-10-02T16:29:46+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/managing-the-cost-challenges-of-specialty-drugs</loc>
		<lastmod>2014-10-06T13:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-steps-to-build-a-pipeline-sales-strategy</loc>
		<lastmod>2014-10-06T16:52:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/8-retirement-plan-fixes-congress-should-consider</loc>
		<lastmod>2014-10-07T14:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-counsel-employers-through-an-employees-depression-related-return-to-work</loc>
		<lastmod>2014-10-07T16:31:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/no-more-excuses-for-low-retirement-plan-enrollment</loc>
		<lastmod>2014-10-07T18:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/open-enrollment-communications-must-move-beyond-status-quo</loc>
		<lastmod>2014-10-08T15:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-benefits-do-your-employees-really-want</loc>
		<lastmod>2014-10-09T15:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-opening-lines-to-sell-individual-disability-income-insurance</loc>
		<lastmod>2014-10-09T15:50:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-plan-sponsors-are-doing-with-their-pimco-funds</loc>
		<lastmod>2014-10-14T15:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-steps-to-winning-the-first-appointment-with-a-prospective-client</loc>
		<lastmod>2014-10-14T16:27:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-we-covered-insurance-and-regulatory-considerations-for-your-traveling-employees-part-1</loc>
		<lastmod>2014-10-14T18:19:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-simple-secret-to-selling</loc>
		<lastmod>2014-10-15T13:15:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/self-analysis-the-future-of-your-business-depends-on-it</loc>
		<lastmod>2014-10-15T13:24:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/insurance-and-regulatory-considerations-for-your-traveling-employees-part-2</loc>
		<lastmod>2014-10-15T16:30:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/women-and-retirement-best-practices-for-plan-sponsors</loc>
		<lastmod>2014-10-16T13:40:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/observation-status-the-medicare-monster-in-the-aca</loc>
		<lastmod>2014-10-16T14:51:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/long-term-planning-a-must-for-insuring-your-traveling-workers</loc>
		<lastmod>2014-10-16T18:51:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/questions-you-need-to-ask-in-your-next-vision-rfp</loc>
		<lastmod>2014-10-17T18:21:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-dimensions-of-well-being-in-the-workplace</loc>
		<lastmod>2014-10-20T13:09:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-employees-undervalue-equity-awards-and-how-to-fix-it</loc>
		<lastmod>2014-10-20T16:05:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-elements-of-a-well-designed-wellness-program</loc>
		<lastmod>2014-10-20T19:01:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/market-volatility-5-things-to-tell-401-k-plan-participants</loc>
		<lastmod>2014-10-21T15:43:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/10-mistakes-that-may-trigger-a-401-k-plan-audit</loc>
		<lastmod>2014-10-21T18:03:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/creating-content-to-grow-your-business</loc>
		<lastmod>2014-10-22T15:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-business-tenets-that-will-maximize-your-firms-value</loc>
		<lastmod>2014-10-23T13:35:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/tpas-remain-in-a-black-hole-on-aca-contraception-mandate</loc>
		<lastmod>2014-10-23T14:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/one-claim-a-minute-is-not-fast-enough</loc>
		<lastmod>2014-10-27T15:30:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/first-rule-to-hiring-a-benefits-administration-vendor-know-thyself</loc>
		<lastmod>2014-10-27T16:46:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-ghost-lurking-in-the-benefit-broker-world</loc>
		<lastmod>2014-10-27T19:24:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/have-we-done-retirement-plan-participants-a-disservice</loc>
		<lastmod>2014-10-28T13:27:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-ways-401-k-plan-participants-can-make-active-management-work-for-them</loc>
		<lastmod>2014-10-29T13:17:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/issues-group-brokers-face-with-voluntary-sales</loc>
		<lastmod>2014-10-29T18:11:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-reasons-to-consider-outsourcing-leave-management</loc>
		<lastmod>2014-10-30T15:27:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-underserved-market-in-retirement-advising</loc>
		<lastmod>2014-10-31T13:41:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/aetna-buys-bswift-why-benefit-brokers-must-pay-attention</loc>
		<lastmod>2014-11-03T18:29:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-considerations-in-choosing-a-qdia</loc>
		<lastmod>2014-11-03T19:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/think-like-a-marketer-to-engage-employees-drive-loyalty</loc>
		<lastmod>2014-11-03T19:52:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/voluntary-benefits-and-unintended-consequences-of-the-aca</loc>
		<lastmod>2014-11-03T20:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-low-cost-ways-to-make-your-401-k-plan-better</loc>
		<lastmod>2014-11-04T14:03:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-everyone-needs-a-benefits-enrollment-advocate</loc>
		<lastmod>2014-11-05T14:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/addressing-aca-cost-controls-in-the-post-election-climate</loc>
		<lastmod>2014-11-05T18:48:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/reducing-the-cost-of-medical-mistakes-a-work-in-progress</loc>
		<lastmod>2014-11-06T14:54:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/debunking-the-myths-about-workplace-wellness</loc>
		<lastmod>2014-11-06T17:48:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-fall-of-options-and-rise-of-equity-comp</loc>
		<lastmod>2014-11-07T15:25:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-open-enrollment-trends-to-watch</loc>
		<lastmod>2014-11-07T15:56:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-make-2015-more-profitable</loc>
		<lastmod>2014-11-10T15:04:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-wellness-program-on-the-right-side-of-the-law</loc>
		<lastmod>2014-11-10T19:31:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/my-brokers-got-me-covered-do-you</loc>
		<lastmod>2014-11-11T17:16:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-your-small-group-clients-need-most-from-you</loc>
		<lastmod>2014-11-12T18:19:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/issues-to-overcome-in-ny-health-care</loc>
		<lastmod>2014-11-13T19:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/call-in-the-swot-team-to-grow-your-agency</loc>
		<lastmod>2014-11-14T19:45:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/open-enrollment-and-financial-stress</loc>
		<lastmod>2014-11-14T20:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-cynical-look-at-private-exchanges</loc>
		<lastmod>2014-11-17T17:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-marketing-and-sales-ideas-that-get-us-into-trouble</loc>
		<lastmod>2014-11-17T19:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-retirement-plan-design-trends-to-watch-in-2015</loc>
		<lastmod>2014-11-18T13:12:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/remove-the-crutch-thats-hurting-your-long-term-sales</loc>
		<lastmod>2014-11-18T17:52:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/adopting-benefits-administration-technology-what-employers-need-to-know</loc>
		<lastmod>2014-11-19T14:13:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/investment-process-matters-more-than-performance</loc>
		<lastmod>2014-11-20T17:06:23+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whats-wrong-with-private-exchanges</loc>
		<lastmod>2014-11-20T18:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/considering-new-benefits-technology-to-boost-the-employee-experience</loc>
		<lastmod>2014-11-21T17:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-break-away-from-the-commodity-model-of-benefit-advising</loc>
		<lastmod>2014-11-24T15:46:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-ways-to-show-gratitude-to-employees</loc>
		<lastmod>2014-11-25T13:05:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-reasons-to-be-thankful-for-401-k-plans</loc>
		<lastmod>2014-11-25T15:53:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/mobile-tech-platforms-aim-to-transform-health-care</loc>
		<lastmod>2014-11-25T18:44:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-the-heck-is-defined-contribution</loc>
		<lastmod>2014-11-25T19:20:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-death-knell-for-ppos</loc>
		<lastmod>2014-11-26T14:55:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/your-clients-biometric-data-is-in-now-what</loc>
		<lastmod>2014-12-01T14:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-reasons-employers-need-a-strategic-severance-policy</loc>
		<lastmod>2014-12-01T14:31:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/your-employees-biometric-data-is-in-now-what</loc>
		<lastmod>2014-12-01T19:59:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/higher-education-institutions-seek-adviser-partners</loc>
		<lastmod>2014-12-02T13:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/risk-of-it-security-breach-on-exchanges-very-real</loc>
		<lastmod>2014-12-02T16:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-evaluate-a-401-k-plan-adviser</loc>
		<lastmod>2014-12-03T13:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/elevate-your-individual-disability-income-sales</loc>
		<lastmod>2014-12-04T13:03:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-big-data-analytics-will-limit-standard-employee-benefits</loc>
		<lastmod>2014-12-04T20:13:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/get-in-the-game-health-coaching-helps-employees-buy-into-wellness</loc>
		<lastmod>2014-12-05T14:37:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-the-utah-insurance-dept-is-wrong-about-zenefits</loc>
		<lastmod>2014-12-08T16:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-qualities-that-produce-star-performers</loc>
		<lastmod>2014-12-09T21:23:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/part-time-employment-adds-leg-to-traditional-retirement-stool</loc>
		<lastmod>2014-12-10T14:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/inexpensive-ways-to-enhance-your-wellness-program</loc>
		<lastmod>2014-12-10T18:54:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-will-the-new-year-bring-for-retirement-plans</loc>
		<lastmod>2014-12-11T14:54:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/edison-case-exposes-deceptive-practice-of-revenue-sharing</loc>
		<lastmod>2014-12-11T19:26:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-master-the-fee-for-service-model</loc>
		<lastmod>2014-12-12T20:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-double-your-income-in-12-months</loc>
		<lastmod>2014-12-12T21:04:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-employee-benefit-trends-to-watch-in-2015</loc>
		<lastmod>2014-12-15T17:22:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-ways-to-reduce-homing-from-work</loc>
		<lastmod>2014-12-16T17:24:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2014-what-a-year-in-retirement-plan-land</loc>
		<lastmod>2014-12-16T17:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-retirement-plan-resolutions-for-2015</loc>
		<lastmod>2014-12-17T14:35:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-data-drives-better-aca-plan-decisions-2745308</loc>
		<lastmod>2014-12-23T19:46:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-data-drives-better-aca-plan-decisions</loc>
		<lastmod>2014-12-23T19:51:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/fixing-higher-health-premiums-ugly-deductibles</loc>
		<lastmod>2014-12-26T05:01:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/26-items-plan-sponsors-should-focus-on-in-2015</loc>
		<lastmod>2014-12-26T14:11:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/expanded-nurse-practitioner-reimbursements-could-lower-health-plan-costs</loc>
		<lastmod>2014-12-26T16:44:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-get-the-c-suite-to-take-notice</loc>
		<lastmod>2014-12-30T16:32:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/elevate-your-idi-sales-with-guarantee-issue-sales</loc>
		<lastmod>2014-12-31T15:41:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/outlook-2015-disability-and-absence-management</loc>
		<lastmod>2015-01-02T17:31:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-language-of-leadership</loc>
		<lastmod>2015-01-19T18:20:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-all-401-k-employee-education-will-soon-be-online</loc>
		<lastmod>2015-01-06T15:59:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dont-get-caught-in-the-benefits-technology-arms-race</loc>
		<lastmod>2015-01-08T18:28:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-broker-licensing-bill-narab-ii-could-affect-you</loc>
		<lastmod>2015-01-09T15:54:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-unpeel-your-organization-from-a-peo</loc>
		<lastmod>2015-01-09T20:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/use-sales-accountability-to-drive-profits</loc>
		<lastmod>2015-01-12T17:25:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/prepare-for-major-disruption</loc>
		<lastmod>2015-01-12T17:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-does-it-mean-to-be-a-plan-fiduciary</loc>
		<lastmod>2015-01-12T19:50:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/todays-accident-plans-help-employees-manage-growing-financial-risk-of-health-care</loc>
		<lastmod>2015-01-13T17:25:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-right-tactics-to-improve-sales-performance</loc>
		<lastmod>2015-01-13T20:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-common-denominator-among-successful-advisers</loc>
		<lastmod>2015-01-14T16:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-you-using-these-two-key-growth-strategies</loc>
		<lastmod>2015-01-14T18:40:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-steps-to-help-clients-sort-out-the-reasonable-accommodation-process</loc>
		<lastmod>2015-01-15T18:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-end-users-not-the-aca-control-health-care-costs</loc>
		<lastmod>2015-01-16T17:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-workplace-benefits-boomers-need-now</loc>
		<lastmod>2015-01-20T17:48:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/white-labeling-investment-funds-is-a-bad-idea</loc>
		<lastmod>2015-01-21T14:11:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-questions-to-ask-non-profit-plan-sponsors</loc>
		<lastmod>2015-01-22T13:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-tips-to-get-the-most-out-of-your-service-awards-program</loc>
		<lastmod>2015-01-28T15:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dont-play-like-the-packers</loc>
		<lastmod>2015-02-03T14:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/getting-the-runaround-on-hix-re-enrollment</loc>
		<lastmod>2015-02-03T14:24:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/bundle-the-way-to-better-coverage</loc>
		<lastmod>2015-02-03T16:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-reasons-to-consider-roth-in-plan-conversions</loc>
		<lastmod>2015-02-03T19:58:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/turn-customers-into-marketers</loc>
		<lastmod>2015-02-05T16:26:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/medicaid-expansion-is-hitting-home</loc>
		<lastmod>2015-02-06T15:44:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-ways-your-employee-communications-can-break-through-the-noise</loc>
		<lastmod>2015-02-10T19:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-time-for-reinvention-is-now</loc>
		<lastmod>2015-02-11T21:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/we-pay-one-way-or-the-other-sen-mcconnell</loc>
		<lastmod>2015-02-12T16:51:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-3-main-factors-that-boost-engagement-in-retirement-plans</loc>
		<lastmod>2015-02-12T19:23:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-maximize-clients-retirement-resources</loc>
		<lastmod>2015-02-13T16:41:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-smartphones-taking-over-health-care</loc>
		<lastmod>2015-02-13T17:47:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/big-bets-on-exchange-tech-signal-consumer-friendly-future-for-benefits</loc>
		<lastmod>2015-02-17T16:12:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/referrals-are-dead-long-live-referrals</loc>
		<lastmod>2015-02-17T20:58:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/diy-plan-to-plan-portability-is-harder-than-you-think</loc>
		<lastmod>2015-02-18T16:40:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/have-your-clients-considered-these-two-little-known-ways-to-help-manage-intermittent-leaves</loc>
		<lastmod>2015-03-02T16:42:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/aca-compliance-february-settled-the-familys-business</loc>
		<lastmod>2015-03-02T19:47:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/millennials-do-not-learn-differently-contrary-to-popular-belief</loc>
		<lastmod>2015-03-03T17:08:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/intermittent-leave-what-you-need-to-know-about-certifications</loc>
		<lastmod>2015-03-03T18:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/involuntary-unemployment-insurance-an-important-new-benefit-for-a-new-age</loc>
		<lastmod>2015-03-03T20:41:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/preparing-your-clients-for-the-acas-first-tax-season</loc>
		<lastmod>2015-03-03T21:40:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/aca-reporting-no-rest-for-the-weary-hr-technologist</loc>
		<lastmod>2015-03-04T20:14:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-demise-of-small-and-mid-sized-benefit-brokers-is-greatly-exaggerated</loc>
		<lastmod>2015-03-05T17:56:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-four-leadership-positions-every-employee-benefit-firm-needs</loc>
		<lastmod>2015-03-05T18:31:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-employers-need-to-know-about-the-fsa-grace-period</loc>
		<lastmod>2015-03-06T14:31:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-do-self-promotion-the-right-way</loc>
		<lastmod>2015-03-06T17:23:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/8-elements-of-workplace-culture</loc>
		<lastmod>2015-03-09T13:35:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-skinny-plans-are-getting-fatter</loc>
		<lastmod>2015-03-10T15:43:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-limitations-of-self-service-enrollment</loc>
		<lastmod>2015-03-11T13:03:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-brokers-must-move-out-of-their-comfort-zone</loc>
		<lastmod>2015-03-12T17:07:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/2-ways-to-fill-your-pipeline-with-the-right-prospects</loc>
		<lastmod>2015-03-12T19:52:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/workers-largely-oblivious-about-long-term-financial-needs</loc>
		<lastmod>2015-03-12T20:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/hedge-your-bet-on-private-exchange-defined-contribution-plans</loc>
		<lastmod>2015-03-12T20:40:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/improve-employee-contributions-with-a-strong-connection</loc>
		<lastmod>2015-03-13T16:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/outside-the-box-retirement-planning</loc>
		<lastmod>2015-03-13T17:03:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employer-contributions-to-retirement-plans-revisited</loc>
		<lastmod>2015-03-13T19:07:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/rules-of-employee-engagement</loc>
		<lastmod>2015-03-16T12:51:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/opposites-attract-worksite-clinic-and-private-exchange-integration</loc>
		<lastmod>2015-03-17T15:59:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-turn-around-a-decline-in-revenue</loc>
		<lastmod>2015-03-17T16:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/does-another-enrollment-deadline-extension-help-or-hurt-the-aca</loc>
		<lastmod>2015-03-17T17:25:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-dump-mandatory-distributions-in-a-landfill-when-you-can-recycle</loc>
		<lastmod>2015-03-17T18:44:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-delay-cadillac-tax-planning</loc>
		<lastmod>2015-03-18T15:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-a-new-fiduciary-standard-means-to-plan-sponsors</loc>
		<lastmod>2015-03-18T18:30:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/stop-loss-from-the-small-and-large-group-perspectives</loc>
		<lastmod>2015-03-23T17:54:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-overcome-two-of-your-biggest-sales-hurdles</loc>
		<lastmod>2015-03-23T19:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/swarm-of-litigation-rocks-401-k-space</loc>
		<lastmod>2015-03-24T12:14:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-react-to-the-acas-anniversary</loc>
		<lastmod>2015-03-24T17:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/from-fire-dept-to-insurance-sales-5-leadership-lessons</loc>
		<lastmod>2015-03-24T20:54:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benefit-considerations-and-the-contingent-workforce</loc>
		<lastmod>2015-03-25T13:16:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/acos-what-are-they-how-do-they-work-and-are-they-right-for-you</loc>
		<lastmod>2015-03-25T15:52:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-smart-companies-are-moving-workers-comp-out-of-the-silo</loc>
		<lastmod>2015-03-25T20:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cdhp-transition-troublesome-for-employers-employees-alike</loc>
		<lastmod>2015-03-26T12:46:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-employee-communications-engagement-fail-as-companies-grow</loc>
		<lastmod>2015-03-27T16:18:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/can-the-government-and-private-market-work-together-on-health-care-reform</loc>
		<lastmod>2015-03-27T16:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-sick-and-tired-of-no-sick-leave</loc>
		<lastmod>2015-03-30T13:37:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/fmla-extension-could-be-stepping-stone-to-more-dol-benefits-involvement</loc>
		<lastmod>2015-03-30T18:42:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-maximize-an-erisa-403-b-plan-with-participant-controlled-assets</loc>
		<lastmod>2015-03-30T19:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-ways-female-executives-can-avoid-bias-advocate-for-workplace-gender-equality</loc>
		<lastmod>2015-03-31T17:10:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/robo-advisers-the-ins-and-outs-of-automated-investment-platforms</loc>
		<lastmod>2015-04-01T13:15:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-plan-guaranteed-income-products-growing-in-popularity</loc>
		<lastmod>2015-04-01T16:30:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-makings-of-an-empowered-health-consumer</loc>
		<lastmod>2015-04-06T16:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-sales-mindsets-that-harm-business</loc>
		<lastmod>2015-04-06T19:02:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/can-neuroeconomics-improve-401-k-decision-making</loc>
		<lastmod>2015-04-07T15:20:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/marketing-efforts-that-send-the-wrong-message</loc>
		<lastmod>2015-04-07T15:27:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/selling-voluntary-benefits-with-extras-extending-the-disability-sale</loc>
		<lastmod>2015-04-07T18:44:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-private-healthcare-exchanges-work-for-employers</loc>
		<lastmod>2015-04-09T13:40:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sbea-passage-an-important-milestone-for-small-business</loc>
		<lastmod>2015-04-09T16:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/changing-the-focus-of-investment-committee-meetings</loc>
		<lastmod>2015-04-13T13:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-become-a-human-capital-consultant</loc>
		<lastmod>2015-04-13T13:41:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-the-apple-watch-will-hurt-and-help-employee-engagement</loc>
		<lastmod>2015-04-13T15:21:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/media/ui/ebnbenefitnews/Apple_Graphic.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/reduce-plan-fees-by-increasing-account-balances</loc>
		<lastmod>2015-04-13T18:25:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overcoming-retirement-challenges-in-the-non-profit-sector</loc>
		<lastmod>2015-04-14T15:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/following-fiduciary-rule-more-adviser-disclosure-regs-to-come</loc>
		<lastmod>2015-04-15T12:22:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/determining-whether-a-private-exchange-is-the-right-move</loc>
		<lastmod>2015-04-15T13:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/watering-down-the-fiduciary-standard</loc>
		<lastmod>2015-04-15T14:53:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/contract-exemption-could-be-as-important-as-dol-fiduciary-rule</loc>
		<lastmod>2015-04-15T14:59:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-fiduciary-rule-falls-flat</loc>
		<lastmod>2015-04-15T16:01:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-fiduciarys-perspective-on-the-dols-consumer-protection-proposal</loc>
		<lastmod>2015-04-15T19:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-fiduciary-rule-a-step-in-the-right-direction</loc>
		<lastmod>2015-04-16T16:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-house-of-cards-can-teach-brokers</loc>
		<lastmod>2015-04-16T16:18:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-it-a-perk-or-a-plan-big-b-or-little-b</loc>
		<lastmod>2015-04-16T16:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/technology-is-the-future-of-benefits-but-its-not-what-will-make-or-break-your-business</loc>
		<lastmod>2015-04-17T13:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dol-fiduciary-rule-has-no-impact-on-participant-understanding</loc>
		<lastmod>2015-04-17T15:55:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-top-5-affordable-care-act-myths-debunked</loc>
		<lastmod>2015-04-20T13:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/adding-home-and-auto-can-transform-voluntary-offerings</loc>
		<lastmod>2015-04-20T14:33:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-government-wants-to-tell-us-how-much-to-pay-our-doctors</loc>
		<lastmod>2015-04-20T17:43:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/broker-of-the-future-captivated-shaped-by-aca-debate</loc>
		<lastmod>2015-04-20T17:47:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/money-market-fund-changes-what-401-k-plan-sponsors-need-to-know</loc>
		<lastmod>2015-04-21T13:18:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/for-wellness-to-work-you-need-to-embrace-the-trinity-of-value</loc>
		<lastmod>2015-04-21T16:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/top-6-qualities-of-exceptional-employee-benefits-consultants</loc>
		<lastmod>2015-04-22T13:36:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/eeoc-issues-proposed-wellness-program-amendments-to-ada-regulations</loc>
		<lastmod>2015-04-23T20:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-plan-adviser-the-right-fit-5-questions-to-help-employers-decide</loc>
		<lastmod>2015-04-24T12:37:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-attributes-of-a-highly-successful-broker-mgu-relationship</loc>
		<lastmod>2015-04-28T16:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-discussion-brokers-should-have-with-peos</loc>
		<lastmod>2015-04-28T17:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/real-time-reporting-critical-to-aca-administration-compliance</loc>
		<lastmod>2015-04-29T13:09:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-no-1-reason-employees-leave-their-jobs</loc>
		<lastmod>2015-04-30T12:59:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/brokerage-firms-no-longer-able-to-avoid-fiduciary-responsibility</loc>
		<lastmod>2015-04-30T15:36:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/when-the-intranet-is-not-enough-rules-for-electronic-disclosure-of-plan-documents</loc>
		<lastmod>2015-04-30T20:47:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-generation-requires-new-retirement-thinking</loc>
		<lastmod>2015-05-01T12:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/health-plans-network-discounts-and-consumer-choice</loc>
		<lastmod>2015-05-04T13:08:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/poor-dental-coverage-takes-a-bite-out-of-profits</loc>
		<lastmod>2015-05-04T16:07:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-little-stuff-that-drives-customers-away</loc>
		<lastmod>2015-05-07T17:45:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/turning-the-benefits-service-business-upside-down</loc>
		<lastmod>2015-05-07T17:48:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/doc-fix-is-it-finally-fixed</loc>
		<lastmod>2015-05-07T18:33:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-benefits-formerly-known-as-voluntary</loc>
		<lastmod>2015-05-08T15:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-free-is-a-terrible-business-model</loc>
		<lastmod>2015-05-11T05:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/is-the-financial-crisis-over</loc>
		<lastmod>2015-05-12T06:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-its-time-to-shift-the-wellness-roi-conversation</loc>
		<lastmod>2015-05-11T11:58:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/immediate-considerations-in-light-of-eeoc-wellness-guidelines</loc>
		<lastmod>2015-05-12T12:25:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-question-that-will-get-a-prospects-attention</loc>
		<lastmod>2015-05-12T18:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/strange-advice-from-a-tech-rep</loc>
		<lastmod>2015-05-14T07:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/9-faqs-about-fiduciary-responsibility</loc>
		<lastmod>2015-05-13T20:01:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/does-your-wellness-plan-have-a-positive-roi</loc>
		<lastmod>2015-05-14T04:06:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-takes-aim-at-white-collar-overtime-exemption</loc>
		<lastmod>2015-05-14T20:17:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/open-enrollment-what-do-i-know-im-just-the-it-guy</loc>
		<lastmod>2015-05-15T17:50:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sec-perez-addresses-fiduciary-standard-during-ceo-roundtable</loc>
		<lastmod>2015-05-18T12:32:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/focus-on-short-term-savings-in-hix-decision-deemed-unwise</loc>
		<lastmod>2015-05-18T15:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-best-practices-for-promoting-employees-financial-wellness</loc>
		<lastmod>2015-05-18T17:38:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-reasons-why-algorithms-wont-replace-insurance-brokers</loc>
		<lastmod>2015-05-18T20:23:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scotus-stating-the-obvious-in-tibble-ruling</loc>
		<lastmod>2015-05-19T14:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/take-a-stand-against-sitting</loc>
		<lastmod>2015-05-19T15:28:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/tibble-v-edison-what-the-scotus-ruling-means-for-fiduciaries</loc>
		<lastmod>2015-05-19T16:21:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tibble-vs-edison-ruling-turns-up-the-heat-on-plan-sponsors</loc>
		<lastmod>2015-05-19T17:05:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/benefit-offers-solution-to-seasonal-worker-retention-problem</loc>
		<lastmod>2015-05-19T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benny-award-nominations-now-open</loc>
		<lastmod>2015-05-20T15:17:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/disability-insurance-is-evolving-the-industry</loc>
		<lastmod>2015-05-20T17:09:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/11-questions-to-ask-when-buying-eap-services</loc>
		<lastmod>2015-05-20T20:15:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/understanding-the-connection-between-accommodations-and-productivity</loc>
		<lastmod>2015-05-21T19:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-secret-weapons-every-payer-should-use-to-fight-rising-drug-costs</loc>
		<lastmod>2015-05-22T15:36:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-auto-enrollment-can-be-enhanced-with-auto-portability</loc>
		<lastmod>2015-05-22T16:06:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/stop-loss-coalition-development</loc>
		<lastmod>2015-05-22T16:30:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-benefits-plan-wagging-the-dog</loc>
		<lastmod>2015-05-27T12:56:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/will-specialty-drug-pricing-be-the-straw</loc>
		<lastmod>2015-05-27T15:48:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/inadequate-nursing-standards-impact-employer-health-costs</loc>
		<lastmod>2015-05-28T13:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-underestimate-importance-of-non-medical-benefits</loc>
		<lastmod>2015-05-28T16:06:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/media/ui/ebnbenefitnews/Lincoln-Infographic.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sec-position-on-confidentiality-agreements-now-clearer-than-ever</loc>
		<lastmod>2015-05-28T19:13:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-science-behind-employee-engagement</loc>
		<lastmod>2015-06-01T16:23:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/benefits-goggles-may-be-blurring-your-vision</loc>
		<lastmod>2015-06-02T16:24:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-plan-sponsors-should-support-harmonization-of-fiduciary-regulations</loc>
		<lastmod>2015-06-02T16:37:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/recruiting-millennials-isnt-complicated-but-requires-proactive-effort</loc>
		<lastmod>2015-06-03T15:33:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/washington-a-model-approach-to-improving-retirement-savings</loc>
		<lastmod>2015-06-04T19:13:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/businesses-should-be-cautious-with-reimbursing-individual-premiums</loc>
		<lastmod>2015-06-04T19:40:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-are-regulators-targeting-401-k-rollovers</loc>
		<lastmod>2015-06-05T18:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-new-rules-of-engagement</loc>
		<lastmod>2015-06-05T20:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-really-matters-to-employees</loc>
		<lastmod>2015-06-09T17:38:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/media/ui/ebnbenefitnews/Aon_Graphic.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/advanced-technology-meets-medical-expertise</loc>
		<lastmod>2015-06-10T13:18:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/chamber-of-commerce-study-fatally-flawed</loc>
		<lastmod>2015-06-10T15:42:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cost-shifting-not-a-long-term-solution-for-health-plans</loc>
		<lastmod>2015-06-11T15:18:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-conversations-still-one-dimensional</loc>
		<lastmod>2015-06-12T15:54:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bridging-the-generational-financial-wellness-divide</loc>
		<lastmod>2015-06-15T12:27:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-minimum-wage-wave-rides-on</loc>
		<lastmod>2015-06-15T16:11:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-demographic-disconnect-financial-wellness-across-the-generations</loc>
		<lastmod>2015-06-16T15:34:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tech-advances-move-employee-self-service-benefits-from-theory-to-reality</loc>
		<lastmod>2015-06-18T16:03:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-programs-a-new-layer-of-compliance</loc>
		<lastmod>2015-06-18T20:29:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/my-clients-dont-want-technology-is-simply-an-excuse</loc>
		<lastmod>2015-06-22T15:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/closing-the-adviser-knowledge-gap</loc>
		<lastmod>2015-06-22T16:48:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/closing-sales-means-making-sense-to-customers</loc>
		<lastmod>2015-06-24T13:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-401-k-participants-can-avoid-sabotaging-their-returns</loc>
		<lastmod>2015-06-23T13:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/health-reform-and-employer-reporting-another-mountain-to-climb</loc>
		<lastmod>2015-06-24T14:37:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-lessons-from-millennials-in-the-workforce</loc>
		<lastmod>2015-06-24T15:14:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-make-mandatory-distributions-more-fiduciary-friendly</loc>
		<lastmod>2015-06-24T15:30:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-tech-lesson-uber-can-teach-advisers</loc>
		<lastmod>2015-06-24T17:05:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-real-lesson-from-scotus-subsidy-decision</loc>
		<lastmod>2015-06-25T14:53:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/post-scotus-decision-advisers-must-focus-on-client-impact</loc>
		<lastmod>2015-06-25T14:58:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-critical-steps-for-employers-in-wake-of-aca-decision</loc>
		<lastmod>2015-06-25T17:54:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nyc-bans-criminal-record-inquiries-prior-to-issuance-of-conditional-job-offer</loc>
		<lastmod>2015-06-25T19:54:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-aca-lawsuits-arent-over-yet</loc>
		<lastmod>2015-06-26T12:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/scotus-ruling-on-aca-subsidies-a-call-to-action-for-employers</loc>
		<lastmod>2015-06-26T13:35:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-health-care-consumer-engagement-can-boost-employee-satisfaction-reduce-costs</loc>
		<lastmod>2015-06-26T13:52:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/beyond-the-doc-fix-what-to-make-of-macra</loc>
		<lastmod>2015-06-29T10:52:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/critical-questions-to-ask-in-a-merger</loc>
		<lastmod>2015-06-29T15:34:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/information-reporting-everybodys-talking-about-it-but-whos-solving-it</loc>
		<lastmod>2015-06-30T12:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/willis-towers-watson-merger-theyre-not-us</loc>
		<lastmod>2015-06-30T15:04:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/volume-to-value-what-it-means-for-employers</loc>
		<lastmod>2015-06-30T15:33:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/willis-and-towers-watson-are-playing-offense</loc>
		<lastmod>2015-07-01T14:11:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/10-aca-employer-shared-responsibility-reporting-tips</loc>
		<lastmod>2015-07-01T16:09:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-does-the-willis-towers-watson-merger-mean-about-the-health-care-industry</loc>
		<lastmod>2015-07-02T16:44:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/managing-recruiting-multigenerational-workforce-requires-change</loc>
		<lastmod>2015-07-02T17:19:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/consolidation-makes-room-for-new-players-ideas</loc>
		<lastmod>2015-07-07T13:33:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cadillac-tax-hurricane-preparation-after-tax-hsa-contributions</loc>
		<lastmod>2015-07-07T16:13:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-the-aetna-humana-deal-signals-the-need-for-a-fee-based-model</loc>
		<lastmod>2015-07-08T08:07:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/health-care-market-disruption-will-continue</loc>
		<lastmod>2015-07-08T13:04:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-self-funding-is-about-more-than-just-savings</loc>
		<lastmod>2015-07-08T16:08:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/will-transparency-help-fee-disclosures</loc>
		<lastmod>2015-07-08T16:16:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/worker-satisfaction-with-benefits-tied-to-job-satisfaction</loc>
		<lastmod>2015-07-09T13:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/paid-parental-leave-boston-starts-another-party</loc>
		<lastmod>2015-07-09T20:51:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cadillac-tax-a-huge-car-wreck-for-employers</loc>
		<lastmod>2015-07-10T12:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-build-an-intentional-culture</loc>
		<lastmod>2015-07-13T05:23:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/media/ui/ebnbenefitnews/BlogChart2NEW.jpg</image:loc>
		</image:image>
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	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-build-an-intentional-culture-part-2</loc>
		<lastmod>2015-07-14T15:17:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tips-for-safeguarding-benefit-plans-against-deficient-audits</loc>
		<lastmod>2015-07-15T13:25:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-build-an-intentional-culture-part-3</loc>
		<lastmod>2015-07-15T15:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-role-stagnation-stifles-agency-growth</loc>
		<lastmod>2015-07-16T13:51:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-aca-reporting-requirements-self-insured-employers-should-know</loc>
		<lastmod>2015-07-16T20:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-simplified-way-to-sell-individual-disability-insurance</loc>
		<lastmod>2015-07-17T17:01:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-run-a-successful-sales-internship-program</loc>
		<lastmod>2015-07-17T18:11:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/returning-onsite-case-management-to-an-electronic-world</loc>
		<lastmod>2015-07-17T18:44:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/automated-cash-flow-management-app-can-aid-retirement-planning</loc>
		<lastmod>2015-07-20T15:44:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-anatomy-of-a-second-opinion</loc>
		<lastmod>2015-07-21T12:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/can-managing-total-health-cost-keep-people-off-disability</loc>
		<lastmod>2015-07-21T19:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employer-employee-concerns-about-private-exchanges-affect-adoption-rates</loc>
		<lastmod>2015-07-22T12:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-become-indispensable</loc>
		<lastmod>2015-07-22T14:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/safe-harbor-iras-arent-always-safe</loc>
		<lastmod>2015-07-22T15:53:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employers-expect-more-from-brokers</loc>
		<lastmod>2015-07-22T19:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-look-at-how-much-403-b-plans-have-changed</loc>
		<lastmod>2015-07-22T20:28:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/lost-in-translation-annual-funding-notices-confound-readers</loc>
		<lastmod>2015-07-23T15:14:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/overtime-rules-might-not-affect-as-many-as-dol-expects</loc>
		<lastmod>2015-07-23T19:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/bring-your-benefits-business-up-to-the-21st-century</loc>
		<lastmod>2015-07-24T14:47:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tips-for-sharing-bad-news-with-employees</loc>
		<lastmod>2015-07-24T17:06:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/not-all-voluntary-benefits-are-the-same</loc>
		<lastmod>2015-07-27T07:12:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/momentum-building-for-paid-leave</loc>
		<lastmod>2015-07-27T12:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-best-practices-for-ada-compliance</loc>
		<lastmod>2015-07-27T13:23:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-easy-steps-to-a-wellness-program-employees-love</loc>
		<lastmod>2015-07-28T15:35:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/meaningful-shift-in-acceptance-of-new-retirement-savings-strategy</loc>
		<lastmod>2015-07-28T15:47:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebp-compliance-preventing-audit-deficiencies</loc>
		<lastmod>2015-07-29T13:36:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/retirement-communications-beyond-the-boomers</loc>
		<lastmod>2015-07-29T14:34:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/voluntary-enrollments-boom-or-bust</loc>
		<lastmod>2015-07-29T14:45:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/its-not-just-the-dol-that-thinks-you-may-have-more-employees</loc>
		<lastmod>2015-07-30T19:21:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-best-practices-for-benefits-communication</loc>
		<lastmod>2015-07-31T16:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/more-than-just-a-chair</loc>
		<lastmod>2015-08-03T15:23:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-maximize-retirement-paychecks</loc>
		<lastmod>2015-08-03T15:40:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-steps-to-control-health-care-costs-with-predictive-analytics</loc>
		<lastmod>2015-08-03T17:04:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-ways-to-a-leak-proof-401-k-plan</loc>
		<lastmod>2015-08-04T15:37:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-look-at-specialty-pharmacy-pricing</loc>
		<lastmod>2015-08-04T19:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-ways-to-avoid-misreading-customers-and-missing-sales</loc>
		<lastmod>2015-08-06T15:24:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/joint-employment-is-your-company-at-risk</loc>
		<lastmod>2015-08-06T18:56:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dont-expect-netflix-to-start-a-trend</loc>
		<lastmod>2015-08-06T20:24:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-tips-for-selling-a-shared-accountability-health-care-strategy</loc>
		<lastmod>2015-08-07T15:41:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-antidote-to-zenefits</loc>
		<lastmod>2015-08-10T15:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/anthem-cigna-deal-not-a-big-deal-for-benefit-advisers</loc>
		<lastmod>2015-08-11T12:24:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/religious-accommodations-what-employers-need-to-know</loc>
		<lastmod>2015-08-11T14:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/theres-a-perfect-storm-brewing-in-the-401-k-space</loc>
		<lastmod>2015-08-11T15:08:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/practical-ways-to-reach-the-retirement-goal</loc>
		<lastmod>2015-08-11T19:12:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/step-up-your-expectations-and-stop-settling</loc>
		<lastmod>2015-08-12T16:24:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-blend-active-and-passive-options-in-your-401-k-plan</loc>
		<lastmod>2015-08-13T19:15:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-long-reach-of-the-national-labor-relations-act</loc>
		<lastmod>2015-08-13T19:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-hearings-a-regulatory-tug-of-war</loc>
		<lastmod>2015-08-14T12:54:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/netflix-puts-a-spotlight-on-paid-family-leave</loc>
		<lastmod>2015-08-14T15:24:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-wellness-budget-being-flushed-down-the-drain</loc>
		<lastmod>2015-08-14T15:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/automation-is-key-to-preparing-health-care-industry-for-the-future</loc>
		<lastmod>2015-08-17T18:47:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/helping-clients-connect-employees-with-mental-health-resources</loc>
		<lastmod>2015-08-17T20:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/small-employers-look-to-alternative-funding-solutions</loc>
		<lastmod>2015-08-18T11:21:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/aca-myths-a-bakers-dozen</loc>
		<lastmod>2015-08-19T11:13:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-target-risk-funds-are-wrong-for-401-k-plans</loc>
		<lastmod>2015-08-19T17:28:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workplace-culture-is-king</loc>
		<lastmod>2015-08-20T15:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-advisers-should-just-say-no-to-rfps</loc>
		<lastmod>2015-08-20T17:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/think-like-george-costanza-and-become-a-better-broker</loc>
		<lastmod>2015-08-21T15:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/be-selective-about-communication-technology</loc>
		<lastmod>2015-08-24T13:29:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/mobile-enabled-is-no-longer-an-option-but-a-requirement</loc>
		<lastmod>2015-08-24T19:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-no-1-element-that-drives-business-value</loc>
		<lastmod>2015-08-24T20:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-messages-to-reinforce-for-401-k-plan-participants-during-times-of-market-volatility</loc>
		<lastmod>2015-08-25T15:13:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-ways-hypertension-affects-your-bottom-line-and-what-to-do-about-it</loc>
		<lastmod>2015-08-25T15:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/disrupt-or-be-disrupted</loc>
		<lastmod>2015-08-25T18:03:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/trust-and-transformation</loc>
		<lastmod>2015-08-25T19:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/7-components-of-a-financial-wellness-program</loc>
		<lastmod>2015-08-26T15:59:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/so-you-want-to-make-the-right-first-impression</loc>
		<lastmod>2015-08-26T17:18:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/most-non-profits-dont-consult-a-financial-professional-for-403-b-advice</loc>
		<lastmod>2015-08-26T17:36:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-kill-a-wellness-program</loc>
		<lastmod>2015-08-26T20:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-most-critical-characteristics-of-an-enterprising-adviser</loc>
		<lastmod>2015-08-27T20:33:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-most-important-services-a-broker-can-provide</loc>
		<lastmod>2015-08-27T20:58:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-dont-we-go-after-more-top-clients</loc>
		<lastmod>2015-08-28T18:54:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/who-gets-a-cut-of-your-retirement-plan-fees</loc>
		<lastmod>2015-08-28T19:12:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-aca-clock-is-ticking</loc>
		<lastmod>2015-08-31T16:31:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/annuity-strategies-in-retirement</loc>
		<lastmod>2015-08-31T20:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-ways-to-simplify-enrollment-communications</loc>
		<lastmod>2015-09-01T12:04:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/group-long-term-care-insurance-underwriting-si-is-the-new-gi</loc>
		<lastmod>2015-09-01T20:04:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-the-individual-mandate-penalty-increase-could-mean-for-employers</loc>
		<lastmod>2015-09-02T13:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dol-fiduciary-proposal-neglects-several-hidden-fees</loc>
		<lastmod>2015-09-02T16:32:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/zenefits-has-crossed-the-line</loc>
		<lastmod>2015-09-03T16:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nlrbs-new-joint-employer-standard-creates-enormous-uncertainty</loc>
		<lastmod>2015-09-03T17:40:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-to-look-for-in-a-roll-in-service-provider</loc>
		<lastmod>2015-09-03T17:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-health-related-lost-productivity-can-affect-your-clients</loc>
		<lastmod>2015-09-04T17:19:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-brokers-need-to-get-smart-about-wellness</loc>
		<lastmod>2015-09-04T17:48:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-to-expect-at-this-years-bfe</loc>
		<lastmod>2015-09-08T13:40:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/end-of-life-the-real-health-care-crisis</loc>
		<lastmod>2015-09-08T13:44:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/avoiding-a-pension-risk-management-apocalypse</loc>
		<lastmod>2015-09-09T20:07:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/401-k-plan-money-market-fund-changes-are-coming</loc>
		<lastmod>2015-09-10T13:12:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/avoiding-fmla-interference-claims-walking-a-fine-line-between-permissible-impermissible-comments</loc>
		<lastmod>2015-09-10T18:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/open-enrollment-if-you-build-it-will-they-come</loc>
		<lastmod>2015-09-11T15:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/rookie-adviser-finds-career-opportunity-has-doubled-with-willis-towers-watson-merger</loc>
		<lastmod>2015-09-11T17:52:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-minimum-requirements-for-robust-id-theft-protection-coverage</loc>
		<lastmod>2015-09-11T18:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-drive-better-engagement-in-benefits-program-among-millennials</loc>
		<lastmod>2015-09-14T16:51:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/plan-sponsors-investment-menus-are-not-designed-in-a-vacuum</loc>
		<lastmod>2015-09-14T17:45:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-trickle-down-effect-of-big-perks</loc>
		<lastmod>2015-09-15T08:05:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-myths-about-us-health-care-implications-for-reform</loc>
		<lastmod>2015-09-15T13:26:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-health-care-industry-trends-to-watch</loc>
		<lastmod>2015-09-16T14:25:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-factors-poised-to-disrupt-benefits-delivery</loc>
		<lastmod>2015-09-17T13:16:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/lessons-from-amazons-workplace-culture</loc>
		<lastmod>2015-09-17T13:20:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-forgotten-key-to-agency-growth</loc>
		<lastmod>2015-09-17T16:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/an-employee-stole-your-trade-secrets-but-you-cannot-prove-it-now-what</loc>
		<lastmod>2015-09-17T22:42:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-changing-face-of-health-assessment</loc>
		<lastmod>2015-09-18T15:24:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/support-heats-up-for-cadillac-tax-repeal</loc>
		<lastmod>2015-09-21T16:12:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-top-5-questions-employers-ask-about-private-exchanges</loc>
		<lastmod>2015-09-21T19:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/achieving-zen-with-employee-benefits-the-brokers-changing-journey</loc>
		<lastmod>2015-09-22T12:52:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-ways-to-prevent-hra-fatigue</loc>
		<lastmod>2015-09-23T13:14:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/identify-critical-needs-raise-your-status</loc>
		<lastmod>2015-09-23T14:39:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-get-the-medicare-equation-wrong-what-employers-should-know</loc>
		<lastmod>2015-09-24T12:56:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/media/ui/ebnbenefitnews/MedicareBlogChart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-tips-for-starting-accommodation-conversations-2747365</loc>
		<lastmod>2015-09-24T16:55:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/eyes-up-look-ahead-questions-that-promote-forward-thinking</loc>
		<lastmod>2015-09-24T20:44:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-you-need-to-pay-minimum-wage-or-overtime-to-your-commission-paid-employees</loc>
		<lastmod>2015-09-24T22:18:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-aca-know-your-number</loc>
		<lastmod>2015-09-25T12:36:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-case-for-high-performance-health-care</loc>
		<lastmod>2015-09-25T13:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-ways-for-brokers-to-make-the-most-of-benefit-enrollment-communications</loc>
		<lastmod>2015-09-25T15:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-tips-for-starting-accommodation-conversations</loc>
		<lastmod>2015-09-28T13:14:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/proposed-dol-fiduciary-regulation-may-lead-to-unintended-roadblocks-for-403-b-s</loc>
		<lastmod>2015-09-28T16:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-market-volatility-messages-to-share-with-401-k-plan-participants</loc>
		<lastmod>2015-09-29T19:04:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-tips-for-more-effective-open-enrollment-communications</loc>
		<lastmod>2015-10-01T12:10:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/weak-equity-markets-present-401-k-executive-benefit-opportunity</loc>
		<lastmod>2015-10-02T15:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/good-service-or-good-grief</loc>
		<lastmod>2015-10-06T15:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/social-sellers-trump-offline-peers-in-engagement-and-quotas</loc>
		<lastmod>2015-10-06T16:27:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-ways-to-encourage-better-health-care-consumerism</loc>
		<lastmod>2015-10-07T16:45:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-cdhps-should-be-carved-out-from-cadillac-tax</loc>
		<lastmod>2015-10-08T16:51:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-cats-paw-theory-how-employers-may-be-liable</loc>
		<lastmod>2015-10-08T20:58:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ll-bean-prudential-share-3-tips-for-wellness-success</loc>
		<lastmod>2015-10-09T12:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-blueprint-for-lifetime-participation-in-401-k-plans</loc>
		<lastmod>2015-10-09T16:30:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/jimmy-fallon-shouldnt-be-the-only-one-writing-thank-you-notes</loc>
		<lastmod>2015-10-13T16:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-tdfs-are-the-best-401-k-plan-option</loc>
		<lastmod>2015-10-14T14:22:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-three-questions-can-improve-specialty-drug-program-management</loc>
		<lastmod>2015-10-15T16:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/combating-open-enrollment-fatigue-top-14-survival-tips</loc>
		<lastmod>2015-10-15T18:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cats-paw-part-ii-termination-review-by-independent-decision-makers-can-break-the-causal-chain</loc>
		<lastmod>2015-10-15T19:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/8-myths-about-the-affordable-care-act</loc>
		<lastmod>2015-10-16T13:24:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/pension-accounting-a-return-to-the-wild-west</loc>
		<lastmod>2015-10-19T17:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/where-does-the-us-rank-in-global-retirement-security</loc>
		<lastmod>2015-10-20T17:27:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-new-media-focus-is-pharmacy-can-regulators-keep-up</loc>
		<lastmod>2015-10-20T17:45:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/my-first-new-client-implementation-meeting</loc>
		<lastmod>2015-10-20T18:03:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-myth-about-mandatory-participation-for-voluntary-benefits</loc>
		<lastmod>2015-10-21T15:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/achieving-optimum-cost-and-quality-in-employer-health-care</loc>
		<lastmod>2015-10-21T15:45:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/10-tips-for-creating-impactful-benefit-communications</loc>
		<lastmod>2015-10-21T16:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-you-consider-an-employee-benefits-captive</loc>
		<lastmod>2015-10-22T15:45:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-your-medical-benefit-plan-needs-a-quarterly-checkup</loc>
		<lastmod>2015-10-23T16:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-support-the-sandwich-generation-in-the-workplace</loc>
		<lastmod>2015-10-23T19:14:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/cracking-the-agency-growth-code</loc>
		<lastmod>2015-10-23T19:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-employers-should-consider-adding-a-529-plan-to-their-benefits-package</loc>
		<lastmod>2015-10-26T12:45:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-problem-with-carrier-conducted-open-enrollment-meetings</loc>
		<lastmod>2015-10-26T14:45:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/stop-holding-yourself-back-3-tips-for-women-executives</loc>
		<lastmod>2015-10-26T18:14:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-health-care-costs-employers-more-than-they-think</loc>
		<lastmod>2015-10-26T18:22:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/7-characteristics-of-a-successful-401-k</loc>
		<lastmod>2015-10-27T16:25:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-unique-benefit-google-aetna-and-boeing-all-offer</loc>
		<lastmod>2015-10-27T16:53:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/401-k-plan-sponsors-can-pay-it-forward-by-embracing-roll-ins</loc>
		<lastmod>2015-10-28T15:22:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-science-behind-the-magic-thank-you-note</loc>
		<lastmod>2015-10-28T18:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/substance-abuse-is-hitting-small-business-bottom-line</loc>
		<lastmod>2015-10-29T16:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-it-time-to-revisit-your-election-leave-policies</loc>
		<lastmod>2015-10-30T14:20:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-wellness-program-compliance-pitfalls-and-what-to-do-about-them</loc>
		<lastmod>2015-11-02T14:12:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-lesson-in-selling-from-a-cleaning-woman</loc>
		<lastmod>2015-11-02T15:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-winning-client-retention-strategy</loc>
		<lastmod>2015-11-02T17:08:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/womens-unique-retirement-savings-challenges-what-every-adviser-should-know</loc>
		<lastmod>2015-11-02T19:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/behavior-change-key-to-wellness-program-success</loc>
		<lastmod>2015-11-03T14:43:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-retirement-fees-really-the-enemy</loc>
		<lastmod>2015-11-03T16:42:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/self-funding-fear-of-risk-can-lead-to-missed-opportunity</loc>
		<lastmod>2015-11-04T14:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/bringing-sexy-back-for-brokers</loc>
		<lastmod>2015-11-04T15:48:28+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2015-11-04T17:21:12+00:00</lastmod>
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		<lastmod>2015-11-06T16:06:26+00:00</lastmod>
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		<lastmod>2015-12-03T20:49:08+00:00</lastmod>
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		<lastmod>2015-12-24T13:06:57+00:00</lastmod>
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	</url>
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		<loc>https://www.benefitnews.com/advisers/opinion/5-tips-for-using-social-media-to-build-your-agency</loc>
		<lastmod>2016-01-04T16:22:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/i-am-just-like-tom-brady-overcoming-commoditization</loc>
		<lastmod>2016-01-05T17:43:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/state-of-the-union-retirement-edition</loc>
		<lastmod>2016-01-05T21:22:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-playbook-for-combating-obesity-in-the-workforce</loc>
		<lastmod>2016-01-06T16:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-ancillary-benefits-are-still-important</loc>
		<lastmod>2016-01-06T16:53:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/stop-trying-to-punish-the-market-for-not-opposing-obamacare</loc>
		<lastmod>2016-01-07T15:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-2016-wellness-programs-should-address-presenteeism</loc>
		<lastmod>2016-01-08T18:28:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-trends-driving-2016-employee-benefit-budget-planning</loc>
		<lastmod>2016-01-08T19:26:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/federal-court-oks-health-screenings-for-insurance</loc>
		<lastmod>2016-01-08T21:47:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/your-post-open-enrollment-checklist-for-the-new-year</loc>
		<lastmod>2016-01-11T13:36:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-strategies-to-reinvigorate-your-wellness-program</loc>
		<lastmod>2016-01-11T17:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/obliterate-status-quo-thinking-or-watch-your-agency-demise</loc>
		<lastmod>2016-01-11T18:36:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-digital-adoption-gap-in-retirement-communications</loc>
		<lastmod>2016-01-11T19:50:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-onsite-clinic-delivering-value</loc>
		<lastmod>2016-01-13T17:03:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/obamas-state-of-the-union-highlighted-financial-security</loc>
		<lastmod>2016-01-13T17:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-importance-of-the-in-person-visit</loc>
		<lastmod>2016-01-13T17:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/third-defined-benefit-relief-law-less-charming-to-plan-sponsors</loc>
		<lastmod>2016-01-13T19:04:02+00:00</lastmod>
		<image:image>
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		<loc>https://www.benefitnews.com/opinion/leverage-the-new-year-to-provide-a-healthy-dose-of-workplace-wellness</loc>
		<lastmod>2016-01-14T16:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-design-leave-programs-to-engage-and-retain-talent</loc>
		<lastmod>2016-01-14T18:15:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/know-what-retirement-clients-need-most-from-you</loc>
		<lastmod>2016-01-14T19:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/purple-haze-remains-over-employees-personal-rights-on-employer-email-networks</loc>
		<lastmod>2016-01-14T21:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/companies-miss-the-mark-on-retirement-communications</loc>
		<lastmod>2016-01-19T16:48:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/26-benefit-issues-to-pay-attention-to-in-2016</loc>
		<lastmod>2016-01-19T17:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-aca-whats-been-repealed-delayed-or-retained</loc>
		<lastmod>2016-01-20T17:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/wellness-engagement-that-inspires-weight-loss</loc>
		<lastmod>2016-01-20T17:43:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/2-things-brokers-can-do-right-now-to-help-employees</loc>
		<lastmod>2016-01-21T18:23:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/irs-employers-can-provide-id-protection-services-tax-free-before-a-breach</loc>
		<lastmod>2016-01-21T22:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/boosting-benefits-enrollment-with-technology</loc>
		<lastmod>2016-01-27T13:43:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/e-commerce-is-the-best-option-for-voluntary-benefits</loc>
		<lastmod>2016-01-27T14:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-customer-retention-trends</loc>
		<lastmod>2016-01-27T14:19:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/voluntary-benefits-multiple-markets-require-multiple-strategies</loc>
		<lastmod>2016-01-27T14:20:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/cyber-security-what-are-criminals-doing-with-your-information</loc>
		<lastmod>2016-01-27T14:20:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-things-to-know-about-the-latino-health-and-life-insurance-market</loc>
		<lastmod>2016-01-27T14:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-analytics-and-reporting-tools-relevant-for-benefits-admin</loc>
		<lastmod>2016-01-27T14:21:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/voluntary-benefits-to-become-more-customized-in-2016</loc>
		<lastmod>2016-01-27T15:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tailoring-voluntary-benefits-to-meet-employees-generational-needs</loc>
		<lastmod>2016-01-27T15:00:36+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/employee-purchase-programs-can-encourage-workers-to-use-their-vacation-time</loc>
		<lastmod>2016-01-27T15:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-employers-protest</loc>
		<lastmod>2016-01-27T15:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/valid-measures-needed-in-bid-for-wellness-results</loc>
		<lastmod>2016-01-27T22:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-wellness-math-better-than-a-fifth-graders</loc>
		<lastmod>2016-01-27T22:25:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/american-heart-associations-wellness-policy-sells-outdated-science</loc>
		<lastmod>2016-01-27T22:25:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/intel-ge-will-check-your-wellness-math</loc>
		<lastmod>2016-01-27T22:26:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-roundup-of-final-aca-reporting-forms-and-instructions</loc>
		<lastmod>2016-01-28T13:31:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-help-clients-avoid-aca-filing-penalties</loc>
		<lastmod>2016-01-28T13:31:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-get-involved-in-aca-reporting</loc>
		<lastmod>2016-01-28T13:32:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-quarter-of-large-employers-in-tough-spot-with-aca-forms</loc>
		<lastmod>2016-01-28T13:32:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-reasons-benefits-enrollment-will-go-electronic-this-year</loc>
		<lastmod>2016-01-28T13:32:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-solutions-to-meeting-acas-6055-and-6056-reporting-requirements</loc>
		<lastmod>2016-01-28T13:33:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/states-health-bill-will-end-surprises-on-april-fools-day</loc>
		<lastmod>2016-01-28T13:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/protecting-your-clients-plan-from-generic-drug-inflation</loc>
		<lastmod>2016-01-28T13:53:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/covering-the-new-copay</loc>
		<lastmod>2016-01-28T13:58:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hsas-and-401-k-s-is-it-really-necessary-to-pick-just-one</loc>
		<lastmod>2016-01-28T13:58:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-characteristics-to-look-for-in-a-sale-or-merger-partner</loc>
		<lastmod>2016-01-28T14:12:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/carriers-struggle-with-distribution-plans</loc>
		<lastmod>2016-01-28T14:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/opinion-halbig-decision-creates-new-level-of-uncertainty-for-obamacare</loc>
		<lastmod>2016-01-28T14:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-last-minute-aca-filers-should-make-out-ok</loc>
		<lastmod>2016-01-28T20:41:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-36-500-per-employee-aca-penalty</loc>
		<lastmod>2016-01-28T20:45:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/maximizing-benefit-plan-design-to-reduce-the-costs-of-cancer</loc>
		<lastmod>2016-01-29T02:23:49+00:00</lastmod>
		<image:image>
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		<loc>https://www.benefitnews.com/opinion/cracking-the-code-on-systems-integration-in-benefits-administration</loc>
		<lastmod>2016-01-29T02:45:48+00:00</lastmod>
		<image:image>
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	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-new-ways-to-use-social-media-to-build-your-brokerage</loc>
		<lastmod>2016-01-29T18:10:25+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/connecting-millenials-stress-and-eaps</loc>
		<lastmod>2016-01-29T22:01:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/half-of-millenials-declare-social-security-dead</loc>
		<lastmod>2016-01-29T22:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/facebook-instead-of-facetime-are-millenials-onto-something</loc>
		<lastmod>2016-01-29T22:11:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-fill-the-gaps-in-employee-retirement-education</loc>
		<lastmod>2016-01-29T22:18:13+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/advisers/opinion/3-rules-to-keeping-employees-engaged-after-open-enrollment</loc>
		<lastmod>2016-01-29T22:20:31+00:00</lastmod>
	</url>
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		<lastmod>2016-01-29T22:44:04+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/advisers/opinion/5-tips-for-hsa-newbies-to-maximize-accounts</loc>
		<lastmod>2016-01-29T22:44:34+00:00</lastmod>
	</url>
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		<lastmod>2016-01-29T23:28:37+00:00</lastmod>
		<image:image>
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		<loc>https://www.benefitnews.com/advisers/opinion/best-practices-for-retirement-plan-rfp-success</loc>
		<lastmod>2016-01-30T04:13:30+00:00</lastmod>
	</url>
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		<lastmod>2016-02-01T16:05:41+00:00</lastmod>
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		<lastmod>2016-02-01T21:58:13+00:00</lastmod>
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	<url>
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		<lastmod>2016-02-02T14:57:11+00:00</lastmod>
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		<loc>https://www.benefitnews.com/advisers/opinion/forget-insurance-hows-your-business-acumen</loc>
		<lastmod>2016-02-02T14:58:58+00:00</lastmod>
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		<lastmod>2016-02-02T17:08:45+00:00</lastmod>
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		<lastmod>2016-02-02T20:11:30+00:00</lastmod>
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		<lastmod>2016-02-03T18:39:21+00:00</lastmod>
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		<lastmod>2016-02-04T20:33:36+00:00</lastmod>
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