Banco Popular de Puerto Rico

Broker disintermediation is not about to happen — nor is it something a smart carrier should desire.

Changes to the ACA and a range of other laws and regulations affecting health benefits could be imminent.

Advance planning optimizes results and turns any event into a productive business opportunity for a brokerage.

A little bit of negotiation and understanding of how carrier formulas work can go a long way in helping employers prepare for rate increases.

There are a myriad of reasons, such as increased utilization, why this approach could reap more benefits than the typical telephonic EAP.

With pet ownership on the rise, more companies are implementing policies that allow workers’ four-legged friends in the office. But before formalizing a pet-friendly workplace policy, HR leaders need to consider the pros and cons that go along with it.

With the goal of improved participant outcomes, a simplified approach using straightforward language could be more attractive to employees.

Advisers must weigh the pros and cons and ask themselves: How badly do I want this?

Employees often don’t save enough, and few utilize auto-escalation.

The sheer number of modest, inactive 401(k)s — along with the friction in the industry that makes it difficult to seamlessly transfer the balances from plan to plan as participants change jobs — is causing a lot of undue stress.