Banco Popular de Puerto Rico

Commentary: Brokers don't achieve high organic growth by accident. Successful agencies and brokers have their eyes up — they consistently look ahead, and this foresight drives thoughtful planning that leads to an effective execution strategy, says Zywave's Dave O'Brien.

Commentary: An employer’s argument that their classification of a 1099 employee should be respected because it’s how the employee is classified will go over like a lead balloon. The risk of misclassification under the ACA could be significant, says lawyer Peter Marathas.

Commentary: There are a lot of misconceptions about retirement plans that may keep employees from enrolling. Chad Parks shares are some ways to help businesses navigate these often jargon-heavy waters.

Commentary: What we can do to support them, make them feel more welcome in our company culture and help strengthen our own company in the process.

Commentary: Adviser David C. Smith says he’s seen “a handful of imaginative approaches that all fail to satisfy the IRS’s prohibition” on standalone Health Reimbursement Arrangements.

Commentary: The consequences of moving away from simpler, less sophisticated mortality improvement scales that change infrequently in favor of scales that depend heavily on recent data.

Commentary: Everyone expects to hear from you at open enrollment, but what about the other 11¾ months of the year?

Commentary: For the employer, the need to retain employees is strong and absorbing additional cost in the benefit plan will have strong short-term consideration.

Commentary: Be on the lookout for NextAgency, an enrollment and administration firm with benefit adviser interests in mind.

Commentary: To avoid turning employers off, focus on the “1%,” the essence of the client’s message, says John Graham.