<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.benefitnews.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.benefitnews.com/news/roths-spearhead-ira-retirement-savings-increase</loc>
		<lastmod>2016-05-02T15:35:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/defined-contribution-participation-rises-as-iras-decline</loc>
		<lastmod>2016-05-02T15:36:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/survey-seniors-less-worried-about-retirement-than-medicare</loc>
		<lastmod>2016-05-02T15:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tips-to-sidestep-the-health-care-funding-surtax</loc>
		<lastmod>2016-05-02T15:36:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ebri-a-couple-in-retirement-could-need-400-000-just-for-health-care</loc>
		<lastmod>2016-05-02T15:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/younger-workers-fear-rising-health-care-costs</loc>
		<lastmod>2016-05-02T15:36:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/rather-than-purchase-ltc-retirees-give-away-money-to-qualify-for-medicaid</loc>
		<lastmod>2016-05-02T15:36:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wells-fargo-says-investors-fear-future-outliving-savings</loc>
		<lastmod>2016-05-02T15:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/report-dc-plans-dont-reduce-retirement-preparedness</loc>
		<lastmod>2016-05-02T15:37:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ira-contributions-increase-by-factor-of-10-portfolios-set-to-shift</loc>
		<lastmod>2016-05-02T15:38:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ebri-estimates-health-care-costs-for-seniors</loc>
		<lastmod>2016-05-02T15:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ubs-investors-worry-more-about-long-term-care-than-retirement-planning</loc>
		<lastmod>2016-05-02T15:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/health-savings-account-investment-assets-rise</loc>
		<lastmod>2016-05-02T15:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/529-plans-reach-all-time-highs-investor-interest-rises</loc>
		<lastmod>2016-05-02T15:38:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/is-now-the-time-for-long-term-care-insurance-2732287</loc>
		<lastmod>2016-05-02T15:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/hsa-accounts-continue-to-grow-fidelity-reports</loc>
		<lastmod>2016-05-02T15:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/are-annuities-a-bad-idea-for-retirees</loc>
		<lastmod>2016-05-02T15:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/appeals-court-holds-prenup-doesnt-waive-spousal-rights-to-401-k</loc>
		<lastmod>2016-05-02T15:39:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/are-unmatched-401-k-contributions-a-good-idea</loc>
		<lastmod>2016-05-02T15:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-hartford-to-sell-or-merge-individual-life-woodbury-financial-services</loc>
		<lastmod>2016-05-02T15:46:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/who-has-the-best-529-plan</loc>
		<lastmod>2016-05-02T15:46:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/survey-women-savvier-about-retirement-savings</loc>
		<lastmod>2016-05-02T15:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gen-x-y-confused-about-post-recession-investing</loc>
		<lastmod>2016-05-02T15:47:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/caught-between-a-rock-and-a-hard-place</loc>
		<lastmod>2016-05-02T15:47:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/vanguard-tdf-investors-get-it-but-advisers-are-still-needed</loc>
		<lastmod>2016-05-02T15:47:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/consultants-want-active-management-in-dc-plans</loc>
		<lastmod>2016-05-02T15:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/investors-need-the-basics-in-retirement</loc>
		<lastmod>2016-05-02T15:48:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/meeting-daily-expenses-bigger-concern-than-retirement-planning</loc>
		<lastmod>2016-05-02T15:48:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-cite-meeting-daily-expenses-as-bigger-concern-than-planning-for-retirement-needs</loc>
		<lastmod>2016-05-02T15:48:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fidelity-reports-record-401-k-balances</loc>
		<lastmod>2016-05-02T15:48:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/poor-money-management-at-root-of-most-financial-stress</loc>
		<lastmod>2016-05-02T15:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/dol-pulls-fiduciary-rule-proposal</loc>
		<lastmod>2016-05-02T15:49:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/younger-retirement-savers-as-conservative-as-older-counterparts</loc>
		<lastmod>2016-05-02T15:49:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/whos-afraid-of-social-media</loc>
		<lastmod>2016-05-02T15:49:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-investors-and-advisers-dont-know-about-risk</loc>
		<lastmod>2016-05-02T15:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-can-advisers-help-blacks-hispanics-improve-financial-planning</loc>
		<lastmod>2016-05-02T15:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-habits-of-successful-retirement-plan-advisers</loc>
		<lastmod>2016-05-02T15:50:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/sec-study-suggests-more-disclosures-needed-for-target-date-funds</loc>
		<lastmod>2016-05-02T15:51:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/two-major-employers-embrace-private-health-insurance-exchange-2728073</loc>
		<lastmod>2016-05-02T16:02:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/two-major-employers-embrace-private-health-insurance-exchange</loc>
		<lastmod>2016-05-02T16:04:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/obamas-retirement-proposals-who-wins-and-who-loses</loc>
		<lastmod>2016-05-02T16:09:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/examining-roth-iras-retired-minimum-distributions-and-tax-implications</loc>
		<lastmod>2016-05-02T16:09:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/top-blogs-of-2014</loc>
		<lastmod>2016-05-02T16:29:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/editors-letter-eba-finds-eager-frustrated-brokers-in-october</loc>
		<lastmod>2016-05-02T16:30:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/editors-letter-ebas-industry-in-transition-series-kicks-off</loc>
		<lastmod>2016-05-02T16:30:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/editors-letter-celebrating-10-years-of-i-employee-benefit-adviser-i</loc>
		<lastmod>2016-05-02T16:31:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/two-breaths-of-fresh-air</loc>
		<lastmod>2016-05-02T16:31:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-go-to-guy</loc>
		<lastmod>2016-05-02T16:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-plans-gain-traction-among-small-employers</loc>
		<lastmod>2016-05-02T16:35:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/author-favors-income-streams-over-balanced-portfolio-approach</loc>
		<lastmod>2016-05-02T16:36:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-will-variable-annuities-evolve-as-boomers-seek-retirement-income-2728569</loc>
		<lastmod>2016-05-02T16:36:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-will-variable-annuities-evolve-as-boomers-seek-retirement-income</loc>
		<lastmod>2016-05-02T16:36:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/t-rowe-investors-prioritize-retirement-but-most-not-saving-enough</loc>
		<lastmod>2016-05-02T16:36:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/5-days-to-hix-launch-how-will-insurance-exchanges-benefit-employers</loc>
		<lastmod>2016-05-02T16:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/nfl-wont-promote-obamacare-after-all</loc>
		<lastmod>2016-05-02T16:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/white-house-enlists-hollywood-to-fire-up-exchange-enrollment</loc>
		<lastmod>2016-05-02T16:50:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/aflac-launches-health-reform-website-for-employers</loc>
		<lastmod>2016-05-02T16:50:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/study-navigators-least-likely-sources-of-health-insurance-guidance</loc>
		<lastmod>2016-05-02T16:50:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/study-finds-aca-exchanges-wont-displace-employer-sponsored-health-coverage</loc>
		<lastmod>2016-05-02T16:51:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/6-days-to-hix-launch-how-will-insurance-exchanges-benefit-employers</loc>
		<lastmod>2016-05-02T16:51:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/1-day-to-launch-are-the-exchanges-ready</loc>
		<lastmod>2016-05-02T16:51:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/exchange-success-not-determined-by-red-or-blue-state-color</loc>
		<lastmod>2016-05-02T17:20:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/federal-exchanges-said-to-induce-consumers-to-overspend-on-health-coverage</loc>
		<lastmod>2016-05-02T17:20:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/smartphone-activity-apps-as-accurate-as-wearables</loc>
		<lastmod>2016-05-02T18:07:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/cigna-launches-anticipatory-computing-tool-for-health-plan-members</loc>
		<lastmod>2016-05-02T18:13:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-bullish-on-hix-use</loc>
		<lastmod>2016-05-02T18:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/experts-say-wearable-wellness-alone-wont-change-habits</loc>
		<lastmod>2016-05-02T18:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/premium-increases-still-outpace-income-growth</loc>
		<lastmod>2016-05-02T18:14:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/researchers-use-fitbits-to-predict-back-surgery-recovery-time</loc>
		<lastmod>2016-05-02T18:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/anthem-breach-warnings-lessons-for-the-industry</loc>
		<lastmod>2016-05-02T18:19:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/lawmakers-question-cms-support-of-state-insurance-exchanges</loc>
		<lastmod>2016-05-02T18:22:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/health-apps-widely-embraced-but-sustained-engagement-a-challenge</loc>
		<lastmod>2016-05-02T18:25:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/aetnas-bertolini-we-cant-afford-it</loc>
		<lastmod>2016-05-02T18:25:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/optum-to-acquire-alere-health-in-600-million-deal</loc>
		<lastmod>2016-05-02T18:25:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fitbit-wellness-platform-now-hipaa-compliant</loc>
		<lastmod>2016-05-02T18:26:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/consumer-demand-for-wearables-slows-apple-gains-on-fitbit</loc>
		<lastmod>2016-05-02T18:26:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/yelp-data-to-put-health-care-facilities-under-microscope</loc>
		<lastmod>2016-05-02T18:26:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/humana-ceo-were-part-of-the-problem</loc>
		<lastmod>2016-05-02T18:27:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/apple-watch-marketed-as-personal-health-fitness-companion</loc>
		<lastmod>2016-05-02T18:27:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/microsoft-unveils-mobile-health-platform-app-and-smart-band</loc>
		<lastmod>2016-05-02T18:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/success-of-consumer-based-apple-watch-tied-to-health-care-stakeholders</loc>
		<lastmod>2016-05-02T18:27:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/health-fitness-apps-for-consumers-show-limited-user-engagement</loc>
		<lastmod>2016-05-02T18:28:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/brokerages-veer-on-strategies-for-new-retirement-plan-rules</loc>
		<lastmod>2016-05-02T18:43:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/can-life-insurance-bounce-back</loc>
		<lastmod>2016-05-02T18:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/bb-t-adds-annuity-to-401-k-offering</loc>
		<lastmod>2016-05-02T18:48:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pet-bereavement-leave-being-offered-as-boutique-benefit</loc>
		<lastmod>2016-05-03T07:54:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Fotolia_P2-May2-Morning-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Gin3-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/voluntary-benefits-see-consistent-growth-ebn</loc>
		<lastmod>2016-05-03T16:26:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/june-7-pm2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/holistic-healthcare-plans-growing-rapidly-ebn</loc>
		<lastmod>2016-05-04T04:22:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/p3-yoga-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gay-marriage-ruling-puts-some-corporate-health-benefits-at-risk</loc>
		<lastmod>2016-05-04T17:33:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/401-k-rankings-reveal-discrepancies-in-matches-benefits</loc>
		<lastmod>2016-05-04T17:40:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/obama-says-cyberthreat-onslaught-requires-joint-defense</loc>
		<lastmod>2016-05-04T17:41:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/walmart-health-cuts-reopen-debate-over-obamacare-costs-savings</loc>
		<lastmod>2016-05-04T17:46:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/a-recap-on-doma-prop-8</loc>
		<lastmod>2016-05-04T17:52:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/government-shutdown-bad-for-contractors-benefits</loc>
		<lastmod>2016-05-04T18:01:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/house-to-sue-obama-over-acas-employer-mandate-delay</loc>
		<lastmod>2016-05-04T18:02:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/white-uniquely-qualified-as-new-aflac-us-president</loc>
		<lastmod>2016-05-04T18:02:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/full-coverage-of-dept-of-labors-fiduciary-hearings</loc>
		<lastmod>2016-05-04T18:13:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/senate-bill-aims-to-repeal-cadillac-tax</loc>
		<lastmod>2016-05-04T18:13:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/private-exchange-experts-to-discuss-all-angles-of-the-exchange-puzzle</loc>
		<lastmod>2016-05-04T18:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-you-one-of-ebas-next-most-influential-women-in-benefit-advising</loc>
		<lastmod>2016-05-04T18:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/10-aca-questions-small-employers-should-be-asking</loc>
		<lastmod>2016-05-04T18:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-you-ebas-next-employee-benefit-adviser-of-the-year</loc>
		<lastmod>2016-05-04T18:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/bill-offers-mixed-bag-for-pensions</loc>
		<lastmod>2016-05-04T18:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/technology-leads-to-tolerating-tardiness</loc>
		<lastmod>2016-05-04T18:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/kemper-benefits-names-new-vice-president</loc>
		<lastmod>2016-05-04T18:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/double-digit-medical-cost-increases-expected-worldwide-2725839</loc>
		<lastmod>2016-05-04T18:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/guardian-boosts-vision-dental-business-with-avesis-buy</loc>
		<lastmod>2016-05-04T18:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-to-build-alliances-with-cpas</loc>
		<lastmod>2016-05-04T18:27:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-to-use-secrets-of-persuasion</loc>
		<lastmod>2016-05-04T18:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/4-smart-adviser-goals-for-2014</loc>
		<lastmod>2016-05-04T18:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fiduciary-rule-compliance-to-require-all-hands-on-deck</loc>
		<lastmod>2016-05-05T09:48:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DOL-Bloomberg3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/a-game-plan-to-conquer-self-doubt-and-create-success</loc>
		<lastmod>2016-05-05T15:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/finra-sends-tough-message-with-record-fine-against-metlife</loc>
		<lastmod>2016-05-05T17:39:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Finra_retail_shot_taken_by_Michael_Chu.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P3-Art-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/Workers-ill-prepared-to-managed-cdhps-ebn</loc>
		<lastmod>2016-05-06T12:04:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-use-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/JohnPark.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/dol-fiduciary-opponents-pin-price-on-proposal-39b</loc>
		<lastmod>2016-05-06T15:03:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/dol-fiduciary-provisions-left-out-of-budget-deal</loc>
		<lastmod>2016-05-06T15:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ing-looks-to-help-employers-weigh-overhaul-of-retirement-plans</loc>
		<lastmod>2016-05-06T15:08:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/dol-plans-to-extend-fiduciary-responsibility-on-track-for-next-year</loc>
		<lastmod>2016-05-06T15:08:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cost-basis-reporting-changes-portend-messy-tax-season-ahead</loc>
		<lastmod>2016-05-06T15:08:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/house-dems-introduce-bill-to-expand-sec-adviser-exams</loc>
		<lastmod>2016-05-06T15:09:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/senate-bill-aims-to-prevent-401-k-leakage-2731843</loc>
		<lastmod>2016-05-06T15:09:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-sec-social-media-ruling-impacts-advisers</loc>
		<lastmod>2016-05-06T15:09:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/senate-bill-aims-to-prevent-401-k-leakage</loc>
		<lastmod>2016-05-06T15:10:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ebri-low-interest-rates-could-ding-retirement-plans</loc>
		<lastmod>2016-05-06T15:10:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/dol-pushes-back-fiduciary-proposal</loc>
		<lastmod>2016-05-06T15:10:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/for-advisers-social-media-about-influence-not-sales</loc>
		<lastmod>2016-05-06T15:11:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-advisers-dol-fiduciary-rules-still-coming</loc>
		<lastmod>2016-05-06T15:11:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/millennials-bring-new-expectations-for-retirement-planning</loc>
		<lastmod>2016-05-06T15:11:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/lawmakers-exploring-alternative-to-dol-fiduciary-rule</loc>
		<lastmod>2016-05-06T15:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/finra-chief-pans-dol-fiduciary-proposal</loc>
		<lastmod>2016-05-06T15:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/financial-planners-tell-us-which-software-hardware-and-advisory-platforms-are-emerging-as-favorites-and-why</loc>
		<lastmod>2016-05-06T15:30:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/whats-the-real-impact-of-fiduciary-rule-ebn</loc>
		<lastmod>2016-05-09T00:40:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-4.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cancer-complex-and-intimidating-for-benefit-professionals</loc>
		<lastmod>2016-05-09T04:20:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-use-3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-hodges-maces-kevin-andrews</loc>
		<lastmod>2016-05-09T17:39:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/KevinAndrews-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-seeking-hard-numbers-to-justify-wellness-programs</loc>
		<lastmod>2016-05-10T05:23:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/geoff-duncan.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-mike-levin</loc>
		<lastmod>2016-05-10T20:37:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/6MikeLevin.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/biggest-financial-surprises-of-2011</loc>
		<lastmod>2016-05-11T18:42:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/savings-made-simple-with-seven-easy-tips</loc>
		<lastmod>2016-05-11T18:42:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/baby-boomer-offers-5-retirement-planning-lessons-learned-from-10-bear-markets</loc>
		<lastmod>2016-05-11T18:42:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/3-ways-to-manage-your-staff</loc>
		<lastmod>2016-05-11T21:03:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tuitionio-expands-student-loan-repayment-offering</loc>
		<lastmod>2016-05-12T07:21:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Bloomberg-Graduate-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-kristen-booth</loc>
		<lastmod>2016-05-16T18:09:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Kristen.Booth_.Lakeland-Regional-Health-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-advised-to-revisit-wellness-programs</loc>
		<lastmod>2016-05-17T10:25:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-051716-WellnessOfferings-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-isaac-oates</loc>
		<lastmod>2016-05-19T10:08:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Isaac.Oates_.Justworks.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/student-loan-repayment-programs-are-the-next-401-k</loc>
		<lastmod>2016-05-24T07:00:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN0520-StudentLoans-1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/annual-healthcare-costs-for-families-hit-25k</loc>
		<lastmod>2016-05-27T07:45:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN524Millimann-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fiduciary-rule-got-support-from-a-surprising-contingent</loc>
		<lastmod>2016-05-27T07:47:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DSC_5332.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employer-communication-vital-in-battle-against-workplace-stress</loc>
		<lastmod>2016-05-31T02:54:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-Stress-Health-Risks.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/majority-of-millennials-not-participating-in-401-k-plans</loc>
		<lastmod>2016-05-31T09:49:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-MillennialsFinancialGoals-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/eps-said-to-boost-401-k-plan-engagement-retirement-readiness</loc>
		<lastmod>2016-05-31T14:05:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Jeff.Hemker.Hesco_.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/verizon-unions-reach-agreement-on-contract-ending-strike</loc>
		<lastmod>2016-05-31T14:42:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Verizon.Communications.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/axa-appoints-harlin-cfo-as-part-of-new-team-for-chief-buberl</loc>
		<lastmod>2016-05-31T16:14:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Axa.Building.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/private-exchanges-not-for-everyone-brokerage-survey-finds</loc>
		<lastmod>2016-05-31T19:00:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/May-31-chat.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/9-in-10-employees-lack-supplemental-di-ci-insurance</loc>
		<lastmod>2016-06-01T05:05:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-1-best-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/epss-said-to-boost-401-k-engagement-retirement-readiness</loc>
		<lastmod>2016-06-01T06:19:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Jeff.Hemker.Hesco_.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/program-incentivizes-healthy-shopping-eating-by-employees</loc>
		<lastmod>2016-06-01T13:24:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Supermarket-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-adviser-sheri-alexander-quintupled-staff-and-grew-sales-seven-fold</loc>
		<lastmod>2016-06-01T16:11:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/women-advise.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/plan-design-considerations-daunting-for-many-plan-sponsors</loc>
		<lastmod>2016-06-02T03:14:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-401k-Employee-Eligibility.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-adviser-sheri-alexander-quintupled-staff-and-grew-sales-seven-fold</loc>
		<lastmod>2016-06-02T03:18:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/women-advise.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/advisers-brokers-looking-to-strengthen-critical-partnership-with-insurance-carriers</loc>
		<lastmod>2016-06-02T03:18:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/eblf-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-make-enrolling-in-benefits-easy-efficient</loc>
		<lastmod>2016-06-02T05:11:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-2-P1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/program-incentivizes-healthy-shopping-eating-by-employees</loc>
		<lastmod>2016-06-02T06:12:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Supermarket-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ben-carson-employee-benefit-programs-need-to-change</loc>
		<lastmod>2016-06-02T11:45:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-2-p3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/zenefits-launches-iphone-app-plans-android-release-for-fall</loc>
		<lastmod>2016-06-02T14:09:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/zenefits.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-brokers-looking-to-strengthen-critical-partnership-with-insurance-carriers</loc>
		<lastmod>2016-06-02T14:47:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/eblf.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/strength-in-numbers-maximize-benefits-roi-by-coordinating-eap-work-life-programs</loc>
		<lastmod>2016-06-02T17:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/carson-calls-for-less-carrier-interference-in-health-other-employee-benefits</loc>
		<lastmod>2016-06-02T17:36:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-2-p3-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/generation-x-posts-biggest-gap-in-life-insurance-coverage</loc>
		<lastmod>2016-06-02T17:55:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/gen-xers-post-biggest-gap-in-life-insurance-coverage-2736235</loc>
		<lastmod>2016-06-02T17:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gen-xers-post-biggest-gap-in-life-insurance-coverage</loc>
		<lastmod>2016-06-02T17:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/deferred-income-annuities-gain-traction-following-rebirth</loc>
		<lastmod>2016-06-02T17:55:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/life-insurance-do-your-clients-have-enough</loc>
		<lastmod>2016-06-02T17:55:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/low-rates-deal-blow-to-retirement-plans</loc>
		<lastmod>2016-06-02T17:55:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/suntrust-adds-401-k-planning-tools</loc>
		<lastmod>2016-06-02T17:55:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/more-401-k-participants-turn-to-professionals</loc>
		<lastmod>2016-06-02T17:55:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/low-rates-deal-significant-blow-to-retirement-plans</loc>
		<lastmod>2016-06-02T17:55:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/men-and-women-like-minded-mostly-in-retirement-thinking</loc>
		<lastmod>2016-06-02T17:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/more-americans-spending-rather-than-saving-tax-refund</loc>
		<lastmod>2016-06-02T17:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/in-plan-retirement-advice-still-under-used-but-confidence-boosting</loc>
		<lastmod>2016-06-02T17:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/affluent-americans-naively-optimistic-about-their-retirement-readiness</loc>
		<lastmod>2016-06-02T17:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/banks-selling-more-life-insurance</loc>
		<lastmod>2016-06-02T17:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-to-win-at-retirement-be-married-and-boring</loc>
		<lastmod>2016-06-02T17:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mass-affluent-open-to-more-info-on-annuities-401-k-s</loc>
		<lastmod>2016-06-02T17:55:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/americans-prioritize-gym-dentist-over-financial-planning</loc>
		<lastmod>2016-06-02T17:55:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ebri-1-in-5-seniors-outspend-their-income-by-50-or-more</loc>
		<lastmod>2016-06-02T17:55:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ebri-1-in-5-seniors-outspend-their-income-by-50-or-more-2731094</loc>
		<lastmod>2016-06-02T17:55:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/married-baby-boomers-better-prepared-for-retirement</loc>
		<lastmod>2016-06-02T17:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/limra-gens-x-y-blase-about-retirement-saving</loc>
		<lastmod>2016-06-02T17:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/choose-words-carefully-when-discussing-retirement-planning</loc>
		<lastmod>2016-06-02T17:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/limra-gens-x-y-blase-about-retirement-saving-2730706</loc>
		<lastmod>2016-06-02T17:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/limra-investable-retirement-assets-to-hit-22-trillion-by-2020</loc>
		<lastmod>2016-06-02T17:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/younger-investors-catching-up-in-wealth</loc>
		<lastmod>2016-06-02T17:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/want-to-engage-in-retirement-planning-watch-your-words</loc>
		<lastmod>2016-06-02T17:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/older-americans-eye-safer-investment-goals</loc>
		<lastmod>2016-06-02T17:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ghosts-of-retirement-yet-to-come</loc>
		<lastmod>2016-06-02T17:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/middle-income-americans-saving-little-for-retirement-says-limra</loc>
		<lastmod>2016-06-02T17:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retire-and-do-what-hula-hoop</loc>
		<lastmod>2016-06-02T17:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/advisers-seek-to-build-on-retirement-income-expertise</loc>
		<lastmod>2016-06-02T17:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/middle-income-americans-saving-less-than-5-for-retirement</loc>
		<lastmod>2016-06-02T17:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-clients-have-different-takes-on-portfolio-performance</loc>
		<lastmod>2016-06-02T17:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-turn-bullish-on-the-market</loc>
		<lastmod>2016-06-02T17:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/demographics-not-size-matter-in-retirement-plans</loc>
		<lastmod>2016-06-02T17:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/us-retirement-market-projected-to-hit-22-trillion-by-2016</loc>
		<lastmod>2016-06-02T17:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/guaranteed-income-investments-help-keep-retirees-in-the-market</loc>
		<lastmod>2016-06-02T17:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/demographics-not-size-matter-in-retirement-plans-ici-study</loc>
		<lastmod>2016-06-02T17:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-planning-tools-evolving</loc>
		<lastmod>2016-06-02T17:56:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-reel-in-401-k-plan-clients-for-fidelity</loc>
		<lastmod>2016-06-02T17:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employee-employer-401-k-contributions-edge-slightly-higher</loc>
		<lastmod>2016-06-02T17:56:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/baby-boomers-gen-xers-view-retirement-through-rose-colored-glasses</loc>
		<lastmod>2016-06-02T17:56:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wall-street-groups-sue-to-end-obamas-unworkable-broker-rules</loc>
		<lastmod>2016-06-02T19:21:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/m1070221.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wealthfront-expands-into-college-savings</loc>
		<lastmod>2016-06-02T20:59:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/m675497.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/zenefits-launches-iphone-app-plans-android-release-for-fall</loc>
		<lastmod>2016-06-02T23:29:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/zenefits-use.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/more-employers-cutting-health-benefits-for-employees-spouses</loc>
		<lastmod>2016-06-03T03:56:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-SpousalCoverage-060316.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/9-in-10-employees-lack-supplemental-di-ci-insurance</loc>
		<lastmod>2016-06-03T03:59:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-1-best.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-insurers-holding-back-online-enrollment</loc>
		<lastmod>2016-06-03T04:39:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/John-Nelson-ciab.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fiduciary-rule-bulletproof-to-first-attack</loc>
		<lastmod>2016-06-03T11:50:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Bentsen_Ken_CEO_SIFMA_Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/uba-provides-new-dol-audit-prep-resource</loc>
		<lastmod>2016-06-03T14:15:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-2-chart-use.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-advised-to-re-evaluate-retirement-readiness-gaps</loc>
		<lastmod>2016-06-06T10:00:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-Retirement-6-3-162.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ancillary-benefits-increasingly-important-to-carriers</loc>
		<lastmod>2016-06-06T04:34:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Jne-5-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/plan-design-considerations-daunting-for-many-plan-sponsors</loc>
		<lastmod>2016-06-06T05:35:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-401k-Employee-Eligibility-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-need-to-step-up-wellness-support-say-workers</loc>
		<lastmod>2016-06-06T11:08:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-WellnessSeniorLeaders-060616-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ge-studies-scrapping-annual-raise-in-nod-to-shifting-priorities</loc>
		<lastmod>2016-06-06T14:02:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/ge.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/private-exchanges-not-for-everyone-brokerage-survey-finds</loc>
		<lastmod>2016-06-06T17:21:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-PBEchart-6-1-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-worldwide-open-to-much-higher-deferral-rates</loc>
		<lastmod>2016-06-06T17:50:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-AutoEnrollmentGlobal-060616.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/the-common-workplace-practice-thats-costing-employers-billions</loc>
		<lastmod>2016-06-07T07:17:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/beach.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/workers-call-for-more-wellness-support-from-employers</loc>
		<lastmod>2016-06-07T07:57:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-WellnessSeniorLeaders-060616.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/toolkit-offers-free-wellness-resources-for-employers</loc>
		<lastmod>2016-06-07T15:21:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Biking.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/can-summer-stress-cause-employee-burnout</loc>
		<lastmod>2016-06-07T15:24:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Beach-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-programs-evolving-into-comprehensive-package</loc>
		<lastmod>2016-06-07T23:51:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-WellnessMetrics-060716.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-common-workplace-practice-thats-costing-employers-billions</loc>
		<lastmod>2016-06-07T23:53:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/beach-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-hsa-contributions-are-becoming-as-important-as-a-401-k-match</loc>
		<lastmod>2016-06-08T06:49:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-7-am-u.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/big-education-bills-affecting-all-generations-in-the-workplace</loc>
		<lastmod>2016-06-08T14:30:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-DebtEffects-o60716-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/expect-more-wellness-industry-consolidation-experts-say</loc>
		<lastmod>2016-06-08T16:54:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Treadmills-Wellness-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-advised-to-formalize-flexibility-programs-or-risk-losing-employees</loc>
		<lastmod>2016-06-08T18:01:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-060816-FlexibleWorkOptions.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pet-insurance-benefits-market-small-but-growing</loc>
		<lastmod>2016-06-09T03:01:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-060916-PetInsurancePremiums.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/aflac-coo-says-benefits-future-to-be-driven-by-tech-voluntary-products</loc>
		<lastmod>2016-06-09T05:43:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Daniel-Lebish-PHOTO.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/shift-to-defined-benefit-health-plans-still-a-steep-climb</loc>
		<lastmod>2016-06-09T05:46:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBA060916_P1-USE.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/jiff-announces-new-funding</loc>
		<lastmod>2016-06-09T13:50:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Jiff.Office-rotated.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/big-education-bills-affecting-all-generations-in-the-workplace</loc>
		<lastmod>2016-06-09T15:58:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-DebtEffects-o60716.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/family-responsibilities-discrimination-litigation-continues-to-rise</loc>
		<lastmod>2016-06-09T22:17:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-FamilyResponsibilityDiscrimination-061016-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/millennials-feel-uninformed-on-health-insurance-options</loc>
		<lastmod>2016-06-10T03:03:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-MillennialHealthInsurance-061016.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/shift-to-defined-benefit-health-plans-still-a-steep-climb</loc>
		<lastmod>2016-06-10T03:04:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBA060916_P1-USE-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/mental-health-driving-force-behind-wellness-push</loc>
		<lastmod>2016-06-10T05:16:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBA060916-p1u-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pet-insurance-benefits-market-small-but-growing</loc>
		<lastmod>2016-06-10T08:05:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-060916-PetInsurancePremiums-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/millennials-feel-uninformed-on-health-insurance-options</loc>
		<lastmod>2016-06-10T17:31:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-MillennialHealthInsurance-061016-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/new-data-predict-rapid-climb-in-salary-threshold</loc>
		<lastmod>2016-06-10T18:21:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P1-Bloomberg-June10-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fitbit-aims-to-simplify-corporate-wellness-offerings</loc>
		<lastmod>2016-06-13T05:36:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-Fitbit.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workplace-culture-goes-beyond-perks</loc>
		<lastmod>2016-06-13T05:39:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-HRTrendsDeloitte-061316.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mental-health-driving-force-behind-wellness-push</loc>
		<lastmod>2016-06-13T05:43:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBA060916-p1u.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-help-hr-execs-and-cfos-get-along</loc>
		<lastmod>2016-06-13T08:24:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/hugh-otoole.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-data-predicts-rapid-climb-in-salary-threshold</loc>
		<lastmod>2016-06-13T14:26:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P1-Bloomberg-June10.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-get-aggressive-with-retirement-plan-design</loc>
		<lastmod>2016-06-13T19:17:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-061316-401kDeferralRates.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/senators-introduce-bill-to-help-grad-students-save-for-retirement</loc>
		<lastmod>2016-06-13T20:44:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/260943126_1-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/nvidia-offers-suite-of-benefits-to-stay-competitive</loc>
		<lastmod>2016-06-14T03:02:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/NVIDIA-Bloomberg-June14.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/8-steps-to-a-work-life-flexibility-program</loc>
		<lastmod>2016-06-14T03:06:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-042016-FlexibleWorkOptions.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employment-litigation-based-on-family-circumstances-continues-to-rise</loc>
		<lastmod>2016-06-14T08:00:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-FamilyResponsibilityDiscrimination-061016.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-linkedin-acquisition-may-help-microsoft-in-the-hr-tech-market</loc>
		<lastmod>2016-06-14T15:13:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/p1-linked-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-linkedin-acquisition-may-help-microsoft-in-the-hr-tech-market</loc>
		<lastmod>2016-06-14T15:32:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/p1-linked-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ira-rollover-under-dol-rule-where-to-start</loc>
		<lastmod>2016-06-14T16:06:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/DoL.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/millennials-at-high-risk-of-outliving-retirement-savings</loc>
		<lastmod>2016-06-14T17:14:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-FinancialLiteracyMillennials-061416.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/zenefits-to-cut-106-jobs</loc>
		<lastmod>2016-06-14T18:59:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/zenefits-use-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/annuities-alternative-investments-can-bolster-retirement-security-prospects</loc>
		<lastmod>2016-06-15T01:41:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-LifetimeIncomeOptionAvailability-061516.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-starting-to-realize-success-with-401-k-auto-features</loc>
		<lastmod>2016-06-15T04:02:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-061316-401kDeferralRates-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-brokers-can-strengthen-relationships-with-smbs</loc>
		<lastmod>2016-06-15T07:18:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P3-Art-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/does-casual-workplace-attire-help-retain-workers</loc>
		<lastmod>2016-06-15T14:59:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-CasualDressCode-061516.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pbe-connecture-acquires-connectedhealth</loc>
		<lastmod>2016-06-15T16:02:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Joe.Donlan.Connecture.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-brokers-can-strengthen-relationships-with-smbs</loc>
		<lastmod>2016-06-16T03:49:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P3-Art-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pbe-connecture-acquires-connectedhealth</loc>
		<lastmod>2016-06-16T04:40:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Joe.Donlan.Connecture-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/effective-wellness-plans-correlate-with-high-stock-performance</loc>
		<lastmod>2016-06-16T05:22:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P1-EBA-030116-wellness-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/audit-and-tax-firm-ditches-annual-performance-reviews-ratings</loc>
		<lastmod>2016-06-16T12:40:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-PerformanceManagement-061516.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Julie.Wood_.Crowe_.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-data-science-can-help-employers-build-better-benefit-plans</loc>
		<lastmod>2016-06-16T12:53:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/AdobeStock_75020884.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/unconventional-benefits-important-for-millennials</loc>
		<lastmod>2016-06-16T15:42:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-615-breakroom-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-listening-to-customer-needs-led-one-adviser-to-create-her-own-exchange</loc>
		<lastmod>2016-06-16T19:01:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Sima-Reid.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/May-31-chat.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/eeoc-releases-sample-wellness-notice</loc>
		<lastmod>2016-06-16T20:23:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-Yang-2-5-16.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/effective-wellness-plans-correlate-with-high-stock-performance</loc>
		<lastmod>2016-06-17T03:26:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P1-EBA-030116-wellness.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/unconventional-benefits-important-for-millennials</loc>
		<lastmod>2016-06-17T07:31:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-615-breakroom.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tailoring-talent-acquisition-strategies-to-a-changing-labor-market</loc>
		<lastmod>2016-06-17T07:35:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Jim-Durkin-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/4-ancillary-companies-detail-strategy-behind-double-digit-growth</loc>
		<lastmod>2016-06-17T12:12:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-17-chart.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Jne-5-chart-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/core-benefits-more-important-to-employee-engagement-than-other-perks</loc>
		<lastmod>2016-06-17T16:18:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-BenefitsEngagement-061716.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/4-ancillary-companies-detail-strategy-behind-double-digit-growth</loc>
		<lastmod>2016-06-20T02:12:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-17-chart-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Jne-5-chart-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/brokerview-aims-to-give-advisers-a-leg-up-on-hcm-competitors</loc>
		<lastmod>2016-06-20T04:01:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/randy-cooper-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/nvidia-sets-example-for-employers-looking-to-recruit-millennials</loc>
		<lastmod>2016-06-20T06:21:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/NVIDIA-Bloomberg-June14-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/auto-enrollment-just-one-solution-to-retirement-security-problem</loc>
		<lastmod>2016-06-20T13:01:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-AutoEnrollment-6-17-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/california-regulator-tells-us-to-block-anthem-cigna-deal</loc>
		<lastmod>2016-06-20T14:21:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/cigna-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/telecommuting-bonuses-professional-development-on-the-rise</loc>
		<lastmod>2016-06-20T14:56:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/SHRMData-062016-EBN.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/auto-enrollment-just-one-solution-to-retirement-security-problem</loc>
		<lastmod>2016-06-21T05:48:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-AutoEnrollment-6-17-16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pto-plan-design-must-recognize-mandatory-sick-day-provisions</loc>
		<lastmod>2016-06-21T05:49:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-PTOBanks-062016-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-make-enrollment-easy-and-efficient</loc>
		<lastmod>2016-06-21T05:51:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/neil-cbiz.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/article/telecommuting-bonsues-professional-development-on-rise</loc>
		<lastmod>2016-06-21T15:05:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/SHRMData-062016-EBN-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-taking-step-back-from-wellness-programs</loc>
		<lastmod>2016-06-21T20:38:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-WellnessProgramGrowth-062216.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/are-private-exchanges-meeting-employer-expectations</loc>
		<lastmod>2016-06-21T21:03:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-PrivateExchangesActives-062116-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-men-are-afraid-to-take-parental-leave</loc>
		<lastmod>2016-06-22T00:34:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/m72923.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pto-plan-design-must-recognize-mandatory-sick-day-provisions</loc>
		<lastmod>2016-06-22T01:33:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-PTOBanks-062016.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-to-make-enrollment-easy-and-efficient</loc>
		<lastmod>2016-06-22T02:14:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/neil-cbiz-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-program-aims-to-improve-population-health-through-better-nutrition</loc>
		<lastmod>2016-06-22T12:01:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-JacksonLabs-Nutrition-062116-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-beat-public-speaking-fears</loc>
		<lastmod>2016-06-23T17:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/irs-regulations-clarify-employer-aca-reporting-requirements</loc>
		<lastmod>2016-06-24T15:19:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-recruit-gen-y-advisers</loc>
		<lastmod>2016-06-24T19:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/commentary-helping-employees-be-better-consumers-for-their-health-care-benefits</loc>
		<lastmod>2016-06-27T20:53:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-brokers-can-make-their-value-manifest</loc>
		<lastmod>2016-06-28T13:25:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Alan-Katz.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-should-employers-handle-employee-alcohol-abuse</loc>
		<lastmod>2016-06-28T13:48:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-get-through-winter-without-a-lawsuit</loc>
		<lastmod>2016-06-28T13:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pros-and-cons-of-severance-agreements</loc>
		<lastmod>2016-06-28T13:48:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/private-benefit-exchange-index-inches-up</loc>
		<lastmod>2016-06-28T16:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/how-to-build-benefits-for-a-multi-generational-workforce-ebn</loc>
		<lastmod>2016-06-28T17:06:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-031116-P2-Morning-Fotolia.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/a-look-behind-trustmarks-ci-product-development</loc>
		<lastmod>2016-06-28T17:06:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/more-americans-plan-to-retire-after-70</loc>
		<lastmod>2016-06-28T18:34:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/260870488_1-10.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/medical-loss-ratio-the-good-the-bad-the-confusing</loc>
		<lastmod>2016-06-28T18:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/commentary-how-to-make-health-care-reform-exchanges-economically-viable</loc>
		<lastmod>2016-06-28T18:46:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/exchanging-the-exchanges</loc>
		<lastmod>2016-06-28T18:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pbe-index-sees-12-month-gain-more-growth-expected</loc>
		<lastmod>2016-06-29T19:03:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBA_index.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/obama-expected-to-propose-payroll-tax-changes</loc>
		<lastmod>2016-06-29T20:13:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/obama-calls-for-tax-credits-for-hiring-in-jobs-bill-2717506</loc>
		<lastmod>2016-06-29T20:14:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/consultant-describes-rocky-road-through-the-health-system</loc>
		<lastmod>2016-06-30T19:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-advisers-can-improve-marketing-messages</loc>
		<lastmod>2016-06-30T20:50:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/betterment-enters-401-k-space</loc>
		<lastmod>2016-07-01T11:47:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tougher-rules-but-flexible-comp-under-new-fiduciary-proposal</loc>
		<lastmod>2016-07-01T11:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/playing-catch-up-retirement-struggle-looms-for-underemployed-unemployed</loc>
		<lastmod>2016-07-01T13:17:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/attention-advisers-big-changes-imminent-for-all-facebook-brand-pages</loc>
		<lastmod>2016-07-01T15:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/the-secrets-behind-becoming-and-remaining-an-elite-adviser</loc>
		<lastmod>2016-07-01T15:42:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/two-simple-ideas-for-improving-dc-plans</loc>
		<lastmod>2016-07-01T15:56:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/variable-annuity-sales-remain-on-the-upswing</loc>
		<lastmod>2016-07-01T15:56:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cultivating-next-gen-advisers</loc>
		<lastmod>2016-07-01T16:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/what-advisers-can-learn-from-steve-jobs</loc>
		<lastmod>2016-07-01T16:46:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/women-shut-out-of-financial-advisory-industry</loc>
		<lastmod>2016-07-01T16:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/massmutual-women-closing-retirement-gap</loc>
		<lastmod>2016-07-01T16:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/spring-forward-4-ways-to-build-your-practice</loc>
		<lastmod>2016-07-01T17:23:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/key-elements-to-attract-business-referrals</loc>
		<lastmod>2016-07-01T18:21:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/whats-all-the-buzz-about-grandfathering</loc>
		<lastmod>2016-07-01T18:31:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/picking-a-winner</loc>
		<lastmod>2016-07-01T18:43:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-how-military-retirees-can-budget-for-healthcare-costs</loc>
		<lastmod>2016-07-05T01:16:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/soldiers-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/boomers-not-moving-beyond-401-k-s-iras</loc>
		<lastmod>2016-07-05T01:16:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P2-Morning-April8-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-pessimism-abounds</loc>
		<lastmod>2016-07-05T12:42:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/slideshow-reveals-12-terrifying-retirement-facts-keeping-boomers-and-their-advisers-up-at-night</loc>
		<lastmod>2016-07-05T12:52:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/7-advisers-best-investment-ideas-for-this-election-year</loc>
		<lastmod>2016-07-05T12:52:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/slideshow-reveals-4-critical-end-of-year-tasks-for-advisers-clients</loc>
		<lastmod>2016-07-05T12:52:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/survey-americans-retirement-confidence-falls-to-four-year-low</loc>
		<lastmod>2016-07-05T12:52:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/conversation-opener-too-many-workers-leave-401-k-matching-dollars-on-the-table</loc>
		<lastmod>2016-07-05T12:52:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/baby-boomers-rapidly-warming-to-social-media-2717192</loc>
		<lastmod>2016-07-05T12:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/too-many-workers-leaving-401k-matching-dollars-on-the-table</loc>
		<lastmod>2016-07-05T12:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/unable-to-afford-another-downturn-boomers-take-economic-cover-to-prevent-outliving-savings</loc>
		<lastmod>2016-07-05T12:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/health-care-costs-cast-pall-over-cfos-otherwise-rosy-outlook</loc>
		<lastmod>2016-07-05T12:52:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/report-advisers-need-to-focus-on-income-not-assets</loc>
		<lastmod>2016-07-05T12:52:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-need-to-focus-on-income-not-assets</loc>
		<lastmod>2016-07-05T12:52:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/most-boomers-still-dependent-on-social-security-for-retirement</loc>
		<lastmod>2016-07-05T12:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/health-care-costs-cast-pall-over-cfos-otherwise-rosy-outlook-2713810</loc>
		<lastmod>2016-07-05T12:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/advisors-crucial-to-retirement-confidence</loc>
		<lastmod>2016-07-05T12:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/social-security-trusts-dwindle-while-retiree-dependence-increases</loc>
		<lastmod>2016-07-05T12:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/health-care-inflation-top-retirees-concerns</loc>
		<lastmod>2016-07-05T12:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/customer-service-intel-pays-off-for-retirement-services-providers</loc>
		<lastmod>2016-07-05T12:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/boomers-cant-afford-another-market-downturn</loc>
		<lastmod>2016-07-05T12:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/us-retirement-assets-perked-up-in-2010</loc>
		<lastmod>2016-07-05T12:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-confidence-falls-to-all-time-low</loc>
		<lastmod>2016-07-05T12:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/etf-assets-eclipse-1-trillion-threshold</loc>
		<lastmod>2016-07-05T12:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/baby-boomers-get-yet-another-financial-reality-check</loc>
		<lastmod>2016-07-05T12:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/guaranteed-living-benefits-catch-fire-with-annuity-crowd</loc>
		<lastmod>2016-07-05T12:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/customer-service-pays-off-for-plan-providers</loc>
		<lastmod>2016-07-05T12:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/yet-another-reality-check-for-baby-boomers</loc>
		<lastmod>2016-07-05T12:53:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/5-ways-to-deepen-client-relationships</loc>
		<lastmod>2016-07-05T12:57:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-prepare-for-next-gen-retirement-and-financial-clients</loc>
		<lastmod>2016-07-05T12:57:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/deadline-day-insurers-balk-at-obamacare-concessions-as-health-risk-pool-thins</loc>
		<lastmod>2016-07-05T13:04:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/obamacare-sign-up-extended-as-record-1-million-use-site</loc>
		<lastmod>2016-07-05T13:04:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/obamacare-hits-snag-in-states-as-us-site-finds-footing</loc>
		<lastmod>2016-07-05T13:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/economy-brings-retirement-benefits-into-focus</loc>
		<lastmod>2016-07-05T13:06:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-401-k-fee-disclosure-rules-include-indirect-providers</loc>
		<lastmod>2016-07-05T13:06:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/new-dol-401-k-fee-disclosure-to-include-indirect-providers</loc>
		<lastmod>2016-07-05T13:06:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/12b-1-fee-rule-would-burden-retirement-plans-spark</loc>
		<lastmod>2016-07-05T13:06:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-admit-they-need-to-save-more-in-401-k-s</loc>
		<lastmod>2016-07-05T13:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/survey-sponsors-ill-informed-on-target-date-funds</loc>
		<lastmod>2016-07-05T13:07:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/dol-cracking-down-on-401-k-fraud</loc>
		<lastmod>2016-07-05T13:07:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ici-retirement-income-from-pensions-still-prevalent</loc>
		<lastmod>2016-07-05T13:08:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/legg-mason-creates-retirement-advisory-council</loc>
		<lastmod>2016-07-05T13:08:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employer-401-k-match-a-powerful-motivator</loc>
		<lastmod>2016-07-05T13:10:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/average-401-k-participant-cant-afford-retirement-until-age-73</loc>
		<lastmod>2016-07-05T13:12:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/survey-85-contributing-to-401-k-s-up-from-81-in-2009</loc>
		<lastmod>2016-07-05T13:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/boomers-set-to-inherit-84-trillion</loc>
		<lastmod>2016-07-05T13:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/suspended-401-k-matches-poised-for-a-comeback</loc>
		<lastmod>2016-07-05T13:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/domestic-etf-etp-assets-top-1-trillion</loc>
		<lastmod>2016-07-05T13:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/despite-growth-of-target-date-funds-sponsors-ill-informed-about-the-plans-survey-reveals</loc>
		<lastmod>2016-07-05T13:14:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/is-a-1-million-retirement-nest-egg-attainable</loc>
		<lastmod>2016-07-05T13:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-around-the-world-expect-to-retire-at-61</loc>
		<lastmod>2016-07-05T13:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/age-just-a-number-when-it-comes-to-ira-rollovers</loc>
		<lastmod>2016-07-05T13:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/plan-sponsors-rank-retirement-readiness-as-top-concern</loc>
		<lastmod>2016-07-05T13:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/americans-wish-they-were-smarter-about-money</loc>
		<lastmod>2016-07-05T13:17:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/theres-good-news-bad-news</loc>
		<lastmod>2016-07-05T13:18:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fidelity-average-401-k-account-balance-hits-10-year-high</loc>
		<lastmod>2016-07-05T13:18:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/one-in-three-americans-expect-economy-to-improve</loc>
		<lastmod>2016-07-05T13:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/529-plan-assets-up-56-in-past-two-years</loc>
		<lastmod>2016-07-05T13:18:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fidelity-health-care-costs-for-retiring-couples-declines</loc>
		<lastmod>2016-07-05T13:18:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/401-k-investors-want-allocation-help</loc>
		<lastmod>2016-07-05T13:19:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/nearly-half-of-all-workers-have-less-than-10k-in-savings</loc>
		<lastmod>2016-07-05T13:21:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gen-x-y-more-willing-to-take-on-risk-than-any-other-age-group</loc>
		<lastmod>2016-07-05T13:21:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/33-of-boomers-concerned-theyll-come-up-short-in-retirement</loc>
		<lastmod>2016-07-05T13:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/four-in-10-dont-ever-expect-to-afford-retirement</loc>
		<lastmod>2016-07-05T13:22:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/72-do-not-think-a-secure-retirement-is-possible-for-the-middle-class</loc>
		<lastmod>2016-07-05T13:22:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/only-24-of-401-k-participants-stopped-contributing-in-2010</loc>
		<lastmod>2016-07-05T13:22:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/30-of-job-switchers-unaware-of-401-k-rollover-options</loc>
		<lastmod>2016-07-05T13:22:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/senate-bill-would-limit-401-k-loans-to-three-at-a-time</loc>
		<lastmod>2016-07-05T13:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/automatic-401-k-deferral-rates-could-be-higher</loc>
		<lastmod>2016-07-05T13:23:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/20-year-old-401-k-participants-have-85-exposure-to-equities</loc>
		<lastmod>2016-07-05T13:23:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/more-us-workers-delaying-retirement</loc>
		<lastmod>2016-07-05T13:25:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/labor-extends-compliance-date-for-401-k-fee-disclosure</loc>
		<lastmod>2016-07-05T13:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/consumers-confused-about-fiduciary-suitability-standards</loc>
		<lastmod>2016-07-05T13:25:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-portfolios-must-contain-longevity</loc>
		<lastmod>2016-07-05T13:25:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/replace-retirement-with-idea-of-freedom</loc>
		<lastmod>2016-07-05T13:26:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/survey-42-of-workers-living-paycheck-to-paycheck</loc>
		<lastmod>2016-07-05T13:26:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/guaranteed-income-could-lower-investors-saving-needs</loc>
		<lastmod>2016-07-05T13:26:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/target-date-funds-design-outdated-research-concludes</loc>
		<lastmod>2016-07-05T13:26:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/dc-group-asks-employers-to-encourage-rollovers-discourage-loans</loc>
		<lastmod>2016-07-05T13:26:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/adjust-your-aim-by-1</loc>
		<lastmod>2016-07-05T13:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/42-of-workers-living-paycheck-to-paycheck</loc>
		<lastmod>2016-07-05T13:27:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/middle-income-boomers-vastly-underserved-2716699</loc>
		<lastmod>2016-07-05T13:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/middle-income-boomers-vastly-underserved</loc>
		<lastmod>2016-07-05T13:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tenacity-amid-volatility-rewards-401-k-investors-with-50-profits</loc>
		<lastmod>2016-07-05T13:28:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/one-third-of-retirees-will-continue-to-work</loc>
		<lastmod>2016-07-05T13:28:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/401-k-fees-expected-to-be-an-eye-opener-for-investors-sponsors</loc>
		<lastmod>2016-07-05T13:28:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mobile-retirement-savings-app-teaches-employees</loc>
		<lastmod>2016-07-05T13:28:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/financial-crisis-could-be-the-great-depression-for-gen-y</loc>
		<lastmod>2016-07-05T13:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/rollovers-touted-by-industry-group</loc>
		<lastmod>2016-07-05T13:28:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/report-reveals-future-trends-in-401-k-investment-management</loc>
		<lastmod>2016-07-05T13:29:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/401-k-sponsors-look-to-sustainable-socially-responsible-investing</loc>
		<lastmod>2016-07-05T13:29:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/21-of-americans-expect-economy-to-improve-poll-shows</loc>
		<lastmod>2016-07-05T13:29:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-income-coming-soon-to-a-401-k-near-you</loc>
		<lastmod>2016-07-05T13:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/program-helps-participants-save-more-and-get-more-in-the-game</loc>
		<lastmod>2016-07-05T13:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/auto-enrollment-boosts-401-k-participation-19-percentage-points-to-78</loc>
		<lastmod>2016-07-05T13:30:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/auto-enrollment-an-effective-saving-strategy-among-all-ethnic-groups</loc>
		<lastmod>2016-07-05T13:30:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/51-of-plan-participants-question-traditional-retirement-savings</loc>
		<lastmod>2016-07-05T13:30:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/americans-all-over-the-map-on-retirement-drawdown-rates</loc>
		<lastmod>2016-07-05T13:30:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/dol-issues-final-rules-on-401-k-investment-advice</loc>
		<lastmod>2016-07-05T13:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gen-y-as-worried-as-boomers-about-financial-future</loc>
		<lastmod>2016-07-05T13:31:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/segmenting-workers-under-age-35-seen-as-good-approach-for-401-k-s</loc>
		<lastmod>2016-07-05T13:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirees-confidence-nears-pre-recession-levels</loc>
		<lastmod>2016-07-05T13:32:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mercers-new-blog-m-think-talks-about-employers-issues</loc>
		<lastmod>2016-07-05T13:32:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/64-of-sponsors-changed-investment-lineup-in-past-year</loc>
		<lastmod>2016-07-05T13:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/51-of-fidelity-401-k-participants-in-auto-enrolled-plans</loc>
		<lastmod>2016-07-05T13:33:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/401-k-fee-disclosure-to-change-dc-game</loc>
		<lastmod>2016-07-05T13:33:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/walmart-merrill-lynch-pay-135m-in-401-k-lawsuit</loc>
		<lastmod>2016-07-05T13:33:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/investors-will-scream-when-they-see-401-k-fees</loc>
		<lastmod>2016-07-05T13:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/boomers-push-back-retirement-six-years</loc>
		<lastmod>2016-07-05T13:34:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/iri-to-federal-insurance-office-annuities-critical-to-retirement</loc>
		<lastmod>2016-07-05T13:34:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/measure-your-social-media-success</loc>
		<lastmod>2016-07-05T16:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/find-new-clients-on-facebook</loc>
		<lastmod>2016-07-05T16:27:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/track-your-social-media-relationships</loc>
		<lastmod>2016-07-05T16:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fidelity-reports-highest-ever-401-k-balances</loc>
		<lastmod>2016-07-05T16:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/do-investors-really-understand-etfs</loc>
		<lastmod>2016-07-06T14:12:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fidelity-pre-retirees-double-401-k-balances</loc>
		<lastmod>2016-07-06T14:12:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/survey-retirement-benefits-critical-to-employee-retention</loc>
		<lastmod>2016-07-06T14:12:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gen-y-workers-face-rocky-retirement-prospects</loc>
		<lastmod>2016-07-06T14:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/roth-ira-conversions-surge</loc>
		<lastmod>2016-07-06T14:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-can-advisers-build-a-more-modern-portfolio</loc>
		<lastmod>2016-07-06T14:13:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/investors-increasingly-consider-annuities-vital-to-retirement-plan</loc>
		<lastmod>2016-07-06T14:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/using-technology-to-improve-work-life-balance</loc>
		<lastmod>2016-07-06T14:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/americans-understand-diversification-but-not-inflation</loc>
		<lastmod>2016-07-06T18:22:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/morningstar-529-plans-have-cut-fees</loc>
		<lastmod>2016-07-06T18:22:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/plan-on-250-000-for-health-costs-in-retirement</loc>
		<lastmod>2016-07-06T18:23:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ira-holders-still-undecided-on-switching-to-roths</loc>
		<lastmod>2016-07-06T18:23:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/consumers-have-healthy-balance-sheets-but-lack-confidence</loc>
		<lastmod>2016-07-06T18:23:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gen-y-optimistic-about-economy-plans-to-save</loc>
		<lastmod>2016-07-06T18:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/etfs-close-in-on-trillion-dollar-mark</loc>
		<lastmod>2016-07-06T18:43:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/do-retirees-need-to-cut-withdrawals</loc>
		<lastmod>2016-07-06T18:44:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-much-money-does-it-take-to-feel-wealthy</loc>
		<lastmod>2016-07-06T18:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/younger-investors-wary-of-professional-advisers</loc>
		<lastmod>2016-07-06T18:45:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-labor-force-is-shrinking</loc>
		<lastmod>2016-07-06T18:47:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/finances-improve-but-concerns-about-retirement-savings-rise</loc>
		<lastmod>2016-07-06T18:47:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-contributions-fall-off-in-health-accounts</loc>
		<lastmod>2016-07-06T18:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tiaa-cref-launches-adviser-network</loc>
		<lastmod>2016-07-06T18:47:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/study-health-care-law-should-help-small-businesses-insure-workers</loc>
		<lastmod>2016-07-06T18:47:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/study-most-americans-expect-to-work-during-their-retirement</loc>
		<lastmod>2016-07-06T18:48:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-zenefits-isnt-anti-broker</loc>
		<lastmod>2016-07-06T19:20:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/does-erisa-preempt-state-health-database-laws</loc>
		<lastmod>2016-07-06T20:26:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/an-in-depth-look-at-montanile-v-board-of-trustees</loc>
		<lastmod>2016-07-06T20:26:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-best-cities-for-a-worktirement-retirement-scan</loc>
		<lastmod>2016-07-11T03:36:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/elderly-worker-2-iag-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/most-wellness-programs-fail-to-reward-healthy-behavior</loc>
		<lastmod>2016-07-11T03:39:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN.WellnessIncentives.7.10.16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/summer-kicks-off-with-multiple-brokerage-acquisitions</loc>
		<lastmod>2016-07-11T07:30:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/p1-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/3-new-wellness-tech-tools-to-watch</loc>
		<lastmod>2016-07-11T08:07:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN040716-V2-WellnessOfferings-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/should-employees-be-offered-a-roth-401-k-option</loc>
		<lastmod>2016-07-11T13:38:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-041316-RetirementFeelings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/the-best-cities-for-a-worktirement-retirement-scan</loc>
		<lastmod>2016-07-11T15:36:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/elderly-worker-2-iag-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/new-fidelity-website-provides-retirement-plan-snapshots</loc>
		<lastmod>2016-07-11T16:03:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Fidelity-1-26-16-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-programs-move-beyond-cost-reduction-goal</loc>
		<lastmod>2016-07-11T16:12:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/caroline-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-would-hsas-change-under-the-gops-aca-alternative-plan</loc>
		<lastmod>2016-07-11T16:29:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P3-Capitol.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/wellness-programs-move-beyond-cost-reduction-goal</loc>
		<lastmod>2016-07-11T16:30:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/caroline-chart-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/boeing-expands-its-aco-plan-to-cover-15-000-employees-in-southern-california</loc>
		<lastmod>2016-07-12T00:34:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Boeing-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/7-medicare-facts-employees-should-know-retirement-scan</loc>
		<lastmod>2016-07-12T00:44:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/MedicareForms.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-legal-benefit-targets-advisers</loc>
		<lastmod>2016-07-12T00:51:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/brit.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/while-ge-considers-value-of-raises-spotlight-is-on-total-comp</loc>
		<lastmod>2016-07-12T07:01:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/ge.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/microsoft-offers-windows-cloud-subscription-to-small-offices</loc>
		<lastmod>2016-07-12T13:32:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/p19esh5o402j10pcdqprdb10k1h.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/costs-of-womens-health-procedures-vary-wildly-across-us</loc>
		<lastmod>2016-07-12T13:35:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/hospital-room.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/the-aca-will-require-advisers-to-use-automated-tools-and-systems</loc>
		<lastmod>2016-07-12T13:37:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-7-medicare-facts-employees-should-know</loc>
		<lastmod>2016-07-12T15:01:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/MedicareForms-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/q-a-voluntary-benefits-are-surging-so-is-the-technology-to-support-them</loc>
		<lastmod>2016-07-12T19:35:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Jeff.Smith_.Unum_-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/wellness-trend-expands-to-gluten-free-workplaces</loc>
		<lastmod>2016-07-12T21:36:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/bread-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/costs-of-womens-health-procedures-vary-wildly-across-us</loc>
		<lastmod>2016-07-13T03:20:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/hospital-room-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/can-taxing-the-rich-fix-social-security-retirement-scan</loc>
		<lastmod>2016-07-13T03:21:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UberRich-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/provider-run-health-plans-expanding-membership</loc>
		<lastmod>2016-07-13T07:52:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-13-AM-P1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/proposed-form-5500-updates-likely-to-increase-small-market-competition</loc>
		<lastmod>2016-07-13T17:28:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/dol-bldg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-can-taxing-the-rich-fix-social-security</loc>
		<lastmod>2016-07-13T17:30:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UberRich-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/seeing-results-more-employers-are-saying-thank-you-to-workers</loc>
		<lastmod>2016-07-13T18:37:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-recognition-71316.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-dont-let-election-drama-sway-employees-investments</loc>
		<lastmod>2016-07-14T01:48:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/HillarySpeech-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-one-company-changed-brokers-three-times-in-switching-to-a-pbe</loc>
		<lastmod>2016-07-14T04:51:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/titlemax-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-dont-let-election-drama-sway-employees-investments</loc>
		<lastmod>2016-07-14T15:06:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/HillarySpeech-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/proposed-form-5500-revisions-would-have-big-employer-implications</loc>
		<lastmod>2016-07-14T17:27:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/dol-bldg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/calpers-names-marcie-frost-as-ceo-of-largest-us-pension-fund</loc>
		<lastmod>2016-07-14T17:52:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Calpers.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/passive-index-funds-slowly-gain-traction</loc>
		<lastmod>2016-07-15T02:01:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Fidelity.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-do-young-employees-need-bonds</loc>
		<lastmod>2016-07-15T02:04:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/MIllennials-BloombergNews.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/taking-the-jargon-out-of-private-exchanges</loc>
		<lastmod>2016-07-15T07:42:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/May-31-chat-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-still-arent-maximizing-pto</loc>
		<lastmod>2016-07-15T08:39:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/beach.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-fidelity-website-provides-retirement-plan-snapshots</loc>
		<lastmod>2016-07-15T08:39:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Fidelity-1-26-16.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-do-young-employees-need-bonds</loc>
		<lastmod>2016-07-15T15:01:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/MIllennials-BloombergNews-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-a-prep-school-readied-its-staff-for-retirement</loc>
		<lastmod>2016-07-15T17:03:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/GilmanSchool2-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/corporate-mindfulness-programs-grow-in-popularity</loc>
		<lastmod>2016-07-15T21:28:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P2-April7-Afternoon-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-to-ease-the-search-for-assisted-living-retirement-scan</loc>
		<lastmod>2016-07-18T00:33:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Disabled_elderly_person_Bloomberg_News.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/boeing-expands-its-aco-plan-to-cover-15-000-employees-in-southern-california</loc>
		<lastmod>2016-07-18T08:31:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Boeing-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/401-k-fees-are-attracting-more-attention-from-lawyers</loc>
		<lastmod>2016-07-18T14:56:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Fujitsu-Technolog.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/aca-tobacco-surcharges-slowed-universal-health-care</loc>
		<lastmod>2016-07-18T14:57:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/smoking.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-boomers-should-show-stocks-more-love</loc>
		<lastmod>2016-07-18T14:58:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/BusyStockTrading-bloomberg-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/3-new-wellness-tech-tools-to-watch</loc>
		<lastmod>2016-07-18T15:00:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN040716-V2-WellnessOfferings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/naic-looks-at-ways-to-boost-ltc-policy-sales</loc>
		<lastmod>2016-07-18T15:01:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070816_P1-am.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-install-worksite-kiosks-in-latest-telemedicine-push</loc>
		<lastmod>2016-07-18T15:01:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Telemedicine-7-5-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-boomers-should-show-stocks-more-love-retirement-scan</loc>
		<lastmod>2016-07-18T15:02:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/BusyStockTrading-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/most-employees-find-security-in-background-checks</loc>
		<lastmod>2016-07-18T15:02:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070716_P1-am-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-and-why-one-company-successfully-revamped-its-wellness-program</loc>
		<lastmod>2016-07-18T15:02:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN052516-WellnessOfferings-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-boomers-should-show-stock-more-love-retirement-scan</loc>
		<lastmod>2016-07-18T15:04:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/BusyStockTrading-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/environmental-movement-hits-wellness-plans</loc>
		<lastmod>2016-07-18T15:08:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-6-AM-P5.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/states-aim-to-fill-pension-gaps-with-auto-iras-retirement-scan</loc>
		<lastmod>2016-07-18T15:08:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Man-with-cane-Bloomberg-3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-wellness-program-incentives-taxable-the-irs-says-yes</loc>
		<lastmod>2016-07-18T15:09:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P4-Afternoon-June3-Bloomberg-IRS.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/5-ways-advisers-can-effectively-communicate-with-congress</loc>
		<lastmod>2016-07-18T15:09:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Tom-Harte.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/most-employees-find-security-in-background-checks</loc>
		<lastmod>2016-07-18T15:10:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070716_P1-am.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mercer-launches-online-hub-for-financial-wellness</loc>
		<lastmod>2016-07-18T15:10:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/mercer-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-states-aim-to-fill-pension-gaps-with-auto-iras</loc>
		<lastmod>2016-07-18T15:10:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Man-with-cane-Bloomberg-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-aca-notwithstanding-employer-spending-on-health-insurance-per-employee-is-dropping</loc>
		<lastmod>2016-07-18T15:10:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-healthBenefits-7-7-16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/theres-a-3-trillion-pool-of-money-set-to-extend-treasury-surge</loc>
		<lastmod>2016-07-18T15:12:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/bank-of-america.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/q-a-cracking-the-code-on-health-benefit-costs</loc>
		<lastmod>2016-07-18T15:13:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN.Sanjay.Singh_.Hcentive.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/predictive-analytics-show-potential-for-employee-retention-and-recruitment</loc>
		<lastmod>2016-07-18T15:13:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070516_P1-AM-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/8-ways-women-can-improve-their-retirement-security-retirement-scan</loc>
		<lastmod>2016-07-18T15:14:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/216098710-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/making-the-most-of-a-job-seekers-market</loc>
		<lastmod>2016-07-18T15:22:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P2-April21-Bloomberg-Afternoon.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/environmental-movement-hits-wellness-plans</loc>
		<lastmod>2016-07-18T15:22:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-6-AM-P5-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/as-healthcare-costs-continue-to-rise-employees-shoulder-the-burden</loc>
		<lastmod>2016-07-18T15:22:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-021116-P3-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/millennial-financial-action-does-not-match-retirement-expectations</loc>
		<lastmod>2016-07-18T15:23:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070516_P2_AM-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/8-ways-women-can-improve-their-retirement-security-retirement-scan</loc>
		<lastmod>2016-07-18T15:23:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/216098710.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-install-worksite-kiosks-in-latest-telemedicine-push</loc>
		<lastmod>2016-07-18T15:25:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Telemedicine-7-5-16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/8-conversations-clients-need-to-have-with-employees</loc>
		<lastmod>2016-07-18T15:27:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-5-PM-P1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/what-millennials-are-doing-right-and-what-theyre-not-retirement-scan</loc>
		<lastmod>2016-07-18T15:27:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/MIllennials-BloombergNews-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/skill-shortages-weigh-on-employers-recruitment-efforts</loc>
		<lastmod>2016-07-18T15:28:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-hiringwoes-6-29-16-4.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/millennial-financial-action-does-not-match-retirement-expectations</loc>
		<lastmod>2016-07-18T15:28:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070516_P2_AM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/predictive-analytics-show-potential-for-employee-retention-and-recruitment</loc>
		<lastmod>2016-07-18T15:29:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA070516_P1-AM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/gender-discrepancies-persist-when-it-comes-to-retirement</loc>
		<lastmod>2016-07-18T15:30:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Genderpaygap-2-4-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-military-retirees-can-budget-for-health-care-costs-retirement-scan</loc>
		<lastmod>2016-07-18T15:45:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/soldiers-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tiaa-buys-tech-firm-myvest-in-push-for-personalized-service</loc>
		<lastmod>2016-07-18T15:46:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/TIAA.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/startup-pays-for-employee-weddings-college-tuition</loc>
		<lastmod>2016-07-18T15:46:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Wedding.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/5-considerations-when-vetting-a-tech-vendor</loc>
		<lastmod>2016-07-18T15:46:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/nahu-16.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/are-wellness-program-incentives-taxable-the-irs-says-yes</loc>
		<lastmod>2016-07-18T15:47:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P4-Afternoon-June3-Bloomberg-IRS-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-most-retirees-get-little-adviser-help-on-social-security</loc>
		<lastmod>2016-07-18T15:52:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/SocialSecurityBloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-most-retirees-get-little-adviser-help-on-social-security</loc>
		<lastmod>2016-07-18T15:53:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/SocialSecurityBloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/skill-shortages-weigh-on-employers-recruitment-efforts</loc>
		<lastmod>2016-07-18T15:53:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-hiringwoes-6-29-16-4.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/making-the-most-of-a-job-seekers-market</loc>
		<lastmod>2016-07-18T15:53:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P2-April21-Bloomberg-Afternoon.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/startup-pays-for-employee-weddings-college-tuition</loc>
		<lastmod>2016-07-18T15:55:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Wedding.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/boomerange-kids-can-sabotage-retirement</loc>
		<lastmod>2016-07-18T15:55:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/RetiredCouple.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/5-considerations-when-vetting-a-tech-vendor</loc>
		<lastmod>2016-07-18T15:57:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/nahu-16.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/zenefits-launches-app-to-ensure-broker-licensing</loc>
		<lastmod>2016-07-18T15:57:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Zenefits-june21-R.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/smaller-employers-far-less-likely-to-offer-401-k-s</loc>
		<lastmod>2016-07-18T15:58:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN.MicroRetirement.6.29.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/4-ways-to-prepare-for-new-overtime-pay-regulations</loc>
		<lastmod>2016-07-18T16:10:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-28-P1-AM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/should-hsas-and-401-k-s-be-more-closely-linked</loc>
		<lastmod>2016-07-18T16:10:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P1-EBA041316_HSA-chart-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/saving-in-a-post-brexit-world-retirement-scan</loc>
		<lastmod>2016-07-18T16:10:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/brexit.bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/when-it-comes-to-employee-recognition-cash-is-no-longer-king</loc>
		<lastmod>2016-07-18T16:10:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN.Appreciation.6.27.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/a-strong-network-gives-advisers-a-way-to-benchmark-their-career</loc>
		<lastmod>2016-07-18T16:22:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-27-p1-pm.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/bogle-on-brexit-and-other-threats-to-global-markets-retirement-scan</loc>
		<lastmod>2016-07-18T16:23:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/bogle-john-vanguard-iag-2016.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/mercer-launches-online-hub-for-financial-wellness</loc>
		<lastmod>2016-07-18T16:24:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/mercer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/should-hsas-and-401-k-s-be-more-closely-linked</loc>
		<lastmod>2016-07-18T16:24:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/P1-EBA041316_HSA-chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-adviser-provides-unique-plan-education-through-weekly-podcasts</loc>
		<lastmod>2016-07-18T16:24:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-27-P1-crop.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pet-insurance-popular-with-millennials-who-see-animals-as-family</loc>
		<lastmod>2016-07-18T16:25:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-24-AM-P11USE-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/few-companies-track-success-of-international-assignments</loc>
		<lastmod>2016-07-18T16:25:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/Airport-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/small-companies-lag-in-retirement-offerings</loc>
		<lastmod>2016-07-18T16:25:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-401kImportance-062716.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/medicare-social-security-face-insolvency-over-20-years-retirement-scan</loc>
		<lastmod>2016-07-18T16:27:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/p195ecn4d910uvgq6ktcune1bc17.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/sec-takes-aim-at-account-selection-share-class</loc>
		<lastmod>2016-07-18T16:28:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/SEC500.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/FP.06232016.FINRA-disciplinary-cases-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pet-insurance-popular-with-millennials-who-see-animals-as-family</loc>
		<lastmod>2016-07-18T16:29:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-24-AM-P11USE.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-private-exchanges-meeting-employer-expectations</loc>
		<lastmod>2016-07-18T16:29:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-PrivateExchangesActives-062116.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-ill-prepared-for-healthcare-related-financial-obligations</loc>
		<lastmod>2016-07-18T16:30:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBA062316_p1-caroline-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/soft-benefits-said-to-create-greater-worker-happiness-productivity</loc>
		<lastmod>2016-07-18T16:30:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-IndependentWork-062416.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employees-still-arent-maximizing-pto</loc>
		<lastmod>2016-07-18T16:32:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/beach-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/consumers-underprepared-for-financial-healthcare-responsibilities</loc>
		<lastmod>2016-07-18T16:35:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBA062316_p1-caroline.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/wellness-program-aims-to-improve-population-health-through-better-nutrition</loc>
		<lastmod>2016-07-18T16:35:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-JacksonLabs-Nutrition-062116.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-wellness-programs-should-promote-dental-coverage</loc>
		<lastmod>2016-07-18T16:36:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-22-dentist.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-programs-must-be-more-engaging-employee-focused</loc>
		<lastmod>2016-07-18T16:36:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/m1291531.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/medical-cost-trend-seen-to-be-stabilizing</loc>
		<lastmod>2016-07-18T16:37:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/EBN-MedicalCostTrend-062316.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-hsa-contributions-are-becoming-as-important-as-a-401-k-match</loc>
		<lastmod>2016-07-18T16:40:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/June-7-am-u-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/dental-cares-new-frontier</loc>
		<lastmod>2016-07-18T16:41:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/06/june-22-dentist-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/top-us-health-official-highlights-need-for-insurer-competition</loc>
		<lastmod>2016-07-18T19:43:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Burwell.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/more-employees-working-more-hours-at-home</loc>
		<lastmod>2016-07-19T01:30:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Telecom-42616.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-how-to-save-public-pensions-no-federal-bailout-needed</loc>
		<lastmod>2016-07-19T01:37:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UK_PENSIONS.4-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/taking-the-jargon-out-of-private-exchanges</loc>
		<lastmod>2016-07-19T03:31:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/May-31-chat.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/most-wellness-programs-fail-to-reward-healthy-behavior</loc>
		<lastmod>2016-07-19T05:23:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN.WellnessIncentives.7.10.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/aca-reporting-impact-a-big-unknown-to-finance-hr-departments</loc>
		<lastmod>2016-07-19T05:25:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-19-P3-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/whats-next-for-online-enrollment-tools</loc>
		<lastmod>2016-07-19T05:29:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-19-P1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/vision-apps-raise-concerns-within-the-medical-community</loc>
		<lastmod>2016-07-19T15:26:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-022616-Morning-P2-glasses-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/where-the-us-ranks-on-retirement</loc>
		<lastmod>2016-07-19T16:05:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Retirement-6-3-162.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/unitedhealth-beats-estimates-on-optum-as-aca-losses-mount</loc>
		<lastmod>2016-07-19T16:12:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UnitedHealth.Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-how-to-save-public-pensions-no-federal-bailout-needed</loc>
		<lastmod>2016-07-19T17:12:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UK_PENSIONS.4.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employees-employers-differ-on-top-workplace-stressors</loc>
		<lastmod>2016-07-19T17:55:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Stress-Health-Risks.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-at-dominos-striking-a-balance-between-weight-loss-and-pizza</loc>
		<lastmod>2016-07-19T21:23:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Dominos-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/san-diego-chicago-adopt-paid-sick-leave</loc>
		<lastmod>2016-07-20T03:00:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Chicago.Getty_.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/whats-next-for-online-enrollment-tools</loc>
		<lastmod>2016-07-20T03:09:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-19-P1-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-no-bump-likely-in-social-security-checks-next-year</loc>
		<lastmod>2016-07-20T03:10:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/SocialSecurityBloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-and-why-one-company-successfully-revamped-its-wellness-program</loc>
		<lastmod>2016-07-20T05:23:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN052516-WellnessOfferings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/the-new-challenge-of-selling-voluntary-products</loc>
		<lastmod>2016-07-20T05:27:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Gillington2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-employers-differ-on-top-workplace-stressors</loc>
		<lastmod>2016-07-20T05:28:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Stress-Health-Risks-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-no-bump-likely-in-social-security-checks-next-year</loc>
		<lastmod>2016-07-20T14:07:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/SocialSecurityBloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/unums-jeff-smith-on-why-voluntary-benefits-are-surging</loc>
		<lastmod>2016-07-20T15:23:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Jeff.Smith_.Unum_.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/starbucks-moving-employees-to-private-exchange</loc>
		<lastmod>2016-07-20T18:04:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Starbucks.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-falling-short-on-managing-healthcare-costs</loc>
		<lastmod>2016-07-21T02:13:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-031016-Afternoon-P4-Pharmacy-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employee-financial-stress-causing-huge-employer-headaches</loc>
		<lastmod>2016-07-21T02:32:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-financialstress-072116.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/rethinking-conventional-wisdom-on-retirement-withdrawals-retirement-scan</loc>
		<lastmod>2016-07-21T02:34:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Man-with-cane-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/disruptive-technology-set-to-change-benefits-forever</loc>
		<lastmod>2016-07-21T04:06:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/lujan-wbr.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-morph-from-broker-to-consultant</loc>
		<lastmod>2016-07-21T13:34:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/kwicien-panel.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-employer-401-k-auto-enrollment-has-stalled</loc>
		<lastmod>2016-07-21T14:36:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN.MicroRetirement.6.29.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/now-employees-can-check-their-401-k-s-on-their-apple-watch</loc>
		<lastmod>2016-07-21T14:41:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/p19iiap654k7s6h6id0jefli66.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/rethinking-conventional-wisdom-on-retirement-withdrawals-retirement-scan</loc>
		<lastmod>2016-07-21T15:02:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Man-with-cane-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-a-prep-school-readied-its-staff-for-retirement</loc>
		<lastmod>2016-07-21T15:02:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/GilmanSchool2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/wellness-at-dominos-striking-a-balance-between-weight-loss-and-pizza</loc>
		<lastmod>2016-07-21T15:03:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Dominos-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/these-two-things-scare-benefits-managers-the-most</loc>
		<lastmod>2016-07-21T16:59:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/the-aca-impact.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/anthem-aetna-sued-by-us-seeking-to-block-insurer-mergers</loc>
		<lastmod>2016-07-21T17:10:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Anthem.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/automation-making-huge-retirement-plan-impact</loc>
		<lastmod>2016-07-21T17:38:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/ebn-retirement-p1-afternoon.7.21.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/disruptive-technology-set-to-change-benefits-forever</loc>
		<lastmod>2016-07-22T02:45:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/lujan-wbr-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-prioritizing-wellness-over-aca-compliance</loc>
		<lastmod>2016-07-22T02:46:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-19-P3-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-social-securitys-family-benefits-on-the-decline</loc>
		<lastmod>2016-07-22T02:47:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/SocialSecurityBloomberg-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/4-employer-challenges-brought-on-by-aca-compliance</loc>
		<lastmod>2016-07-22T04:39:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-19-P3-3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/the-aca-notwithstanding-employer-spending-on-health-insurance-per-employee-is-dropping</loc>
		<lastmod>2016-07-22T04:41:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-healthBenefits-7-7-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-do-companies-spend-on-benefits-for-top-earners</loc>
		<lastmod>2016-07-22T14:52:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/June10-cover.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fight-or-run-is-choice-for-health-insurers-after-doj-suit</loc>
		<lastmod>2016-07-22T14:57:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Anthem.Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-social-securitys-family-benefits-on-the-decline</loc>
		<lastmod>2016-07-22T15:01:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/SocialSecurityBloomberg-3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/jobseekers-employers-differ-on-importance-of-benefits</loc>
		<lastmod>2016-07-22T16:54:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/JobFair.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-women-want-in-a-retirement-plan</loc>
		<lastmod>2016-07-25T01:33:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-WomenRetirement-7-25-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-are-people-who-retired-in-2000-doing-today-retirement-scan</loc>
		<lastmod>2016-07-25T01:36:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UK_PENSIONS.4-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/5-challenges-when-working-with-hr-tech-solutions</loc>
		<lastmod>2016-07-25T04:01:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-0411316-TechPriorities.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-trend-expands-to-gluten-free-workplaces</loc>
		<lastmod>2016-07-25T17:12:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/bread.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-how-are-people-who-retired-in-2000-doing-today</loc>
		<lastmod>2016-07-25T17:25:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UK_PENSIONS.4-3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/zenefits-settles-with-tennessee-over-unlicensed-health-insurance-sales</loc>
		<lastmod>2016-07-25T19:37:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/David.Sacks_.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/wellness-programs-need-personalization-employees-say</loc>
		<lastmod>2016-07-26T02:11:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/m1291531.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/5-challenges-when-working-with-hr-tech-solutions</loc>
		<lastmod>2016-07-26T02:13:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-0411316-TechPriorities-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-sue-employers-over-401-k-expenses-retirement-scan</loc>
		<lastmod>2016-07-26T02:13:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Judge_With_Gavel_Getty_Images.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-dawn-sheue-became-a-voluntary-evangelist</loc>
		<lastmod>2016-07-26T13:16:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA072516_VOL-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/chicago-still-has-time-to-embrace-pension-reform-moodys-says</loc>
		<lastmod>2016-07-26T14:22:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Chicago-skyline.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/golden-years-redefined-as-older-americans-buck-trend-and-work</loc>
		<lastmod>2016-07-26T14:23:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-Retirement-6-3-162-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/workers-sue-employers-over-401-k-expenses-retirement-scan</loc>
		<lastmod>2016-07-26T15:01:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Judge_With_Gavel_Getty_Images-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/vision-apps-raise-concerns-within-the-medical-community</loc>
		<lastmod>2016-07-26T16:25:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-022616-Morning-P2-glasses.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-and-why-some-employers-are-stepping-up-support-for-working-caregivers</loc>
		<lastmod>2016-07-26T19:06:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Elderly.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pbe-index-grows-as-starbucks-moves-to-exchange</loc>
		<lastmod>2016-07-26T22:25:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN0816_PBE_Chart.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Starbucks.Customer.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-one-company-changed-brokers-three-times-in-switching-to-a-pbe</loc>
		<lastmod>2016-07-27T02:46:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/titlemax.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-401-k-tips-for-young-employees</loc>
		<lastmod>2016-07-27T02:47:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/m675497-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pbe-index-grows-as-starbucks-moves-to-exchange</loc>
		<lastmod>2016-07-27T08:02:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Starbucks.Customer.Bloomberg-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN0816_PBE_Chart-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/survey-reveals-one-big-problem-with-pto</loc>
		<lastmod>2016-07-27T14:08:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-041916-PaidLeave.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fidelity-officially-launches-robo-platform</loc>
		<lastmod>2016-07-27T14:43:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Fidelity_Small.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-401-k-tips-for-young-employees</loc>
		<lastmod>2016-07-27T15:44:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/m675497.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fidelity-officially-launches-robo-platform</loc>
		<lastmod>2016-07-27T16:03:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Fidelity_Small-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/4-employer-challenges-brought-on-by-aca-compliance</loc>
		<lastmod>2016-07-27T16:44:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/July-19-P3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/where-the-top-grossing-brokerages-in-the-us-are-headed-next</loc>
		<lastmod>2016-07-27T19:12:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/mercer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/erisa-civil-penalties-jumping-as-inflation-adjustments-kick-in</loc>
		<lastmod>2016-07-28T02:29:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Bloomberg-DOL.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-remind-clients-how-to-benefit-from-home-equity</loc>
		<lastmod>2016-07-28T02:33:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/p19d87f3b81upcmg01s8p1jfd1kkod.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/what-are-the-keys-to-competing-in-the-voluntary-space</loc>
		<lastmod>2016-07-28T04:22:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/nick-rockwell.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/millennials-disrupt-traditional-benefits-for-modern-priorities</loc>
		<lastmod>2016-07-28T14:14:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P3-Millennial-Chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/jobless-claims-in-us-climbed-last-week-from-a-three-month-low</loc>
		<lastmod>2016-07-28T14:27:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/P1-DOL.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-remind-clients-how-to-benefit-from-home-equity</loc>
		<lastmod>2016-07-28T15:34:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/p19d87f3b81upcmg01s8p1jfd1kkod-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/us-opposes-anthem-push-for-a-quick-trial-in-cigna-merger-case</loc>
		<lastmod>2016-07-28T19:28:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/Cigna.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employees-underwhelmed-with-wellness-plans</loc>
		<lastmod>2016-07-29T02:18:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN-728-benefitsimportance2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/nba-union-to-fund-healthcare-for-retired-players2</loc>
		<lastmod>2016-07-29T02:38:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/UnitedHealth.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ira-401-k-roth-what-clients-should-consider-retirement-scan</loc>
		<lastmod>2016-07-29T02:40:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/401k-AdobeImages.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/millennials-disrupt-traditional-benefits-for-modern-priorities</loc>
		<lastmod>2016-08-01T03:55:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/P3-Millennial-Chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/are-employers-finally-embracing-public-exchanges</loc>
		<lastmod>2016-08-01T14:42:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN.PrivateExchangeRetirement.7.28.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-underwhelmed-with-wellness-plans</loc>
		<lastmod>2016-08-02T08:14:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-728-benefitsimportance2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-social-security-numbers-are-worth-on-the-dark-web-retirement-scan</loc>
		<lastmod>2016-08-04T23:44:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/social-security-checks-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-companies-keep-employee-perks-hot-during-the-summer</loc>
		<lastmod>2016-08-05T08:55:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Patagonia.Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/benefits-consulting-agency-growth-drops-to-its-lowest-in-five-years</loc>
		<lastmod>2016-08-08T13:56:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/cort-chart-aug-6.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirees-should-follow-these-tips-to-save-on-medicare-retirement-scan</loc>
		<lastmod>2016-08-08T16:10:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/p19qe8eh9k14cc3fa7knsll5kub-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/stress-taking-its-toll-in-the-workplace</loc>
		<lastmod>2016-08-09T06:09:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.stress.8.5.16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/exit-interview-troy-underwood-on-benefitsconnect-departure</loc>
		<lastmod>2016-08-09T13:17:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/benefits-connect.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/troy-underwood_a079ce.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-heres-how-to-lessen-the-blow-of-a-new-medicare-charge</loc>
		<lastmod>2016-08-09T17:09:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/MedicareForms-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/healthcare-strategies-that-can-save-employers-money</loc>
		<lastmod>2016-08-09T19:51:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/xray-doc-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/changing-jobs-dont-let-them-forget-401-k-accounts-retirement-scan</loc>
		<lastmod>2016-08-10T02:01:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/p18tkk1ebcpdjnsi1k5c9ph1sh06.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/increases-to-salary-budgets-stall-at-3</loc>
		<lastmod>2016-08-10T06:54:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.ATM_.WellsFargo.Money_.Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/changing-jobs-dont-let-them-forget-401-k-accounts-retirement-scan</loc>
		<lastmod>2016-08-10T15:12:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/p18tkk1ebcpdjnsi1k5c9ph1sh06-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/getting-rid-of-performance-ratings-can-lead-to-lack-of-transparency</loc>
		<lastmod>2016-08-10T19:10:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/performance-ratings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/healthcare-strategies-that-can-save-employers-money</loc>
		<lastmod>2016-08-10T19:32:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/xray-doc.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/aetna-gets-december-trial-date-to-make-case-for-humana-deal</loc>
		<lastmod>2016-08-10T19:37:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/aetna-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cigna-talks-about-plan-b-as-us-challenge-to-anthem-bid-looms</loc>
		<lastmod>2016-08-10T19:39:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/cigna-2-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-prioritizing-financial-wellness-retirement-readiness</loc>
		<lastmod>2016-08-10T19:41:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-Retirement-2-25-16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/would-employees-be-healthier-more-productive-with-a-shorter-workweek</loc>
		<lastmod>2016-08-11T01:49:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-615-breakroom.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/exit-interview-troy-underwood-on-benefitsconnect-departure</loc>
		<lastmod>2016-08-11T01:51:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/benefits-connect-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/troy-underwood_362b41.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mit-yale-nyu-sued-over-retirement-plan-fees-retirement-scan</loc>
		<lastmod>2016-08-11T01:52:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/collegecampus-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/can-pets-help-boost-retirement-savings</loc>
		<lastmod>2016-08-11T05:22:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Cat.adoption.petsmart.bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-osha-anti-retaliation-rules-deferred-to-november</loc>
		<lastmod>2016-08-11T05:22:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/DOL-Exterior-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/a-tight-us-job-market-is-putting-slack-employers-at-risk</loc>
		<lastmod>2016-08-11T14:22:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/JobSearching.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/jobless-claims-in-us-little-changed-for-second-straight-week</loc>
		<lastmod>2016-08-11T14:30:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/JobFair3.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/mit-yale-nyu-sued-over-retirement-plan-fees-retirement-scan</loc>
		<lastmod>2016-08-11T15:25:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/collegecampus-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-heres-how-to-lessen-the-blow-of-a-new-medicare-charge</loc>
		<lastmod>2016-08-11T19:58:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/MedicareForms-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-private-benefit-exchange-adoption-is-tempered</loc>
		<lastmod>2016-08-11T19:59:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/P1-EBA-022916-exchanges-2-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/new-osha-anti-retaliation-rules-deferred-to-november</loc>
		<lastmod>2016-08-11T20:00:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/DOL-Exterior-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-the-fiduciary-rule-is-affecting-401-k-rollovers</loc>
		<lastmod>2016-08-11T20:06:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Bloomberg-DOL-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirees-should-follow-these-tips-to-save-on-medicare-retirement-scan</loc>
		<lastmod>2016-08-11T20:06:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/p19qe8eh9k14cc3fa7knsll5kub.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/salary-increase-budgets-stall-at-3</loc>
		<lastmod>2016-08-11T20:06:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.ATM_.WellsFargo.Money_.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-prioritizing-financial-wellness-retirement-readiness</loc>
		<lastmod>2016-08-11T20:06:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-Retirement-2-25-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/stress-taking-its-toll-in-the-workplace</loc>
		<lastmod>2016-08-11T20:13:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.stress.8.5.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-the-fiduciary-rule-is-affecting-401-k-rollovers</loc>
		<lastmod>2016-08-11T20:13:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Bloomberg-DOL.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/anthem-says-cigna-deal-at-risk-without-merger-ruling-by-year-end</loc>
		<lastmod>2016-08-11T20:14:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/cigna-23.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/brexit-shows-the-importance-of-account-consolidation-retirement-scan</loc>
		<lastmod>2016-08-11T20:15:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Brexit-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-york-state-to-require-hearing-on-proposed-anthem-cigna-deal</loc>
		<lastmod>2016-08-11T20:16:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/cigna-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employees-are-still-unprepared-for-increasing-healthcare-responsibilities</loc>
		<lastmod>2016-08-11T20:17:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBA080116_P1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/brexit-shows-the-importance-of-account-consolidation-retirement-scan</loc>
		<lastmod>2016-08-11T20:17:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Brexit-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-brokers-must-become-a-driver-of-human-capital-experience</loc>
		<lastmod>2016-08-11T20:17:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/ADP-image.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/can-pets-help-boost-retirement-savings</loc>
		<lastmod>2016-08-11T20:18:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Cat.adoption.petsmart.bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/hr-professionals-optimistic-about-job-security</loc>
		<lastmod>2016-08-11T20:20:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.HRHiring.8.2.16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-listening-to-customer-needs-led-one-adviser-to-create-her-own-exchange</loc>
		<lastmod>2016-08-11T20:21:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Sima-Reid.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/May-31-chat-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-scan-olympic-dreams-lead-some-parents-to-shortchange-retirement-savings</loc>
		<lastmod>2016-08-11T20:21:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Olympics-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/these-young-savers-have-big-fat-401-k-s</loc>
		<lastmod>2016-08-11T20:25:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBA070516_P2_AM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-machine-learning-can-impact-employee-retention-reduce-overhead-costs</loc>
		<lastmod>2016-08-11T20:27:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/P3-tech-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/nba-union-to-fund-healthcare-for-retired-players</loc>
		<lastmod>2016-08-11T20:29:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/UnitedHealth.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/changing-healthcare-from-healing-the-sick-to-maintaining-the-healthy</loc>
		<lastmod>2016-08-11T20:30:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Aug-3-P1-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-scan-olympic-dreams-lead-some-parents-to-shortchange-retirement-savings</loc>
		<lastmod>2016-08-11T20:30:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Olympics-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/online-tools-increasingly-important-in-healthcare-market</loc>
		<lastmod>2016-08-11T20:30:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBA072916_p1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employees-demanding-better-pay-benefits</loc>
		<lastmod>2016-08-11T20:31:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-728-benefitsimportance.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fitness-monitors-threaten-to-oversaturate-the-health-data-market</loc>
		<lastmod>2016-08-11T20:32:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/August-1-P3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/rising-prescription-drug-costs-could-put-medicare-on-life-support-retirement-scan</loc>
		<lastmod>2016-08-11T20:33:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/MedicareForms.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-not-to-die-hungry-turn-your-401-k-into-a-pension</loc>
		<lastmod>2016-08-11T20:33:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBA-4-20-16-retirement-ready-or-not.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-companies-keep-employee-perks-hot-during-the-summer</loc>
		<lastmod>2016-08-11T20:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-the-barrier-between-voluntary-and-core-benefits-must-come-down</loc>
		<lastmod>2016-08-11T20:34:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/mary-use-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-private-benefit-exchange-adoption-is-tempered</loc>
		<lastmod>2016-08-11T20:34:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/P1-EBA-022916-exchanges-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-companies-keep-employee-perks-hot-during-the-summer2</loc>
		<lastmod>2016-08-11T20:34:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/Patagonia.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/hr-professionals-remain-optimistic-with-their-careers2</loc>
		<lastmod>2016-08-11T20:35:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.HRHiring.8.2.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-urged-to-tap-automatic-401-k-s</loc>
		<lastmod>2016-08-11T20:37:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-041916-401kDeferralRates.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/plan-sponsors-getting-through-to-millennials-on-retirement</loc>
		<lastmod>2016-08-11T20:37:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-041316-RetirementFeelings-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/millennials-mooch-now-but-plan-to-financially-support-their-parents-later</loc>
		<lastmod>2016-08-11T20:38:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN-MillennialsFinancialGoals2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/low-rates-a-growing-threat-to-social-security-retirement-scan</loc>
		<lastmod>2016-08-11T20:38:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/SocialSecurityBldg-AdobeImages.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fitness-monitors-threaten-to-oversaturate-the-health-data-market</loc>
		<lastmod>2016-08-11T20:40:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/August-1-P3-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-are-still-unprepared-for-increasing-healthcare-responsibilities</loc>
		<lastmod>2016-08-11T20:40:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBA080116_P1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/low-rates-a-growing-threat-to-social-security-retirement-scan</loc>
		<lastmod>2016-08-11T20:40:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/SocialSecurityBldg-AdobeImages-1.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-employers-are-meeting-demands-for-bigger-better-voluntary-plans</loc>
		<lastmod>2016-08-11T20:41:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/08/EBN.voluntarybenefits.8.1.16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/small-employers-dropping-health-benefits</loc>
		<lastmod>2016-08-11T20:45:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN729dropping.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ira-401-k-roth-what-clients-should-consider-retirement-scan</loc>
		<lastmod>2016-08-11T20:45:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/401k-AdobeImages-1.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/online-tools-increasingly-important-in-healthcare-market</loc>
		<lastmod>2016-08-11T20:46:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBA072916_p1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-employers-finally-embracing-public-exchanges</loc>
		<lastmod>2016-08-11T20:46:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/07/EBN.PrivateExchangeRetirement.7.28.16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/brokers-role-more-important-in-private-exchanges</loc>
		<lastmod>2016-08-11T20:57:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/AdobeStock_59535011.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/is-your-healthcare-app-subject-to-hipaa</loc>
		<lastmod>2016-08-11T20:57:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Stefano_Quintini_EBN.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/majority-of-millennials-not-participating-in-401-k-plans</loc>
		<lastmod>2016-08-11T20:57:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-MillennialsFinancialGoals.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/brokers-role-more-important-in-private-exchange-system</loc>
		<lastmod>2016-08-11T20:58:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBA052616_PBE.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/what-makes-a-successful-digital-wellness-tool</loc>
		<lastmod>2016-08-11T20:58:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Cedric.Hutchings.EBN_-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/form-5500-updates-coming-very-soon-says-ebsas-borzi</loc>
		<lastmod>2016-08-11T20:58:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DOL-Bloomberg3-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/aon-looks-to-gain-strength-in-voluntary</loc>
		<lastmod>2016-08-11T20:59:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Aon-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/annual-healthcare-costs-for-families-hit-25k</loc>
		<lastmod>2016-08-11T20:59:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN524Millimann.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/aon-looks-to-strengthen-enrollment-voluntary-capabilities-with-univers-acquisition</loc>
		<lastmod>2016-08-11T21:01:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/p1-aon-no-snow-use-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/benefits-becoming-a-higher-priority-for-chief-execs</loc>
		<lastmod>2016-08-11T21:01:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/may-25-final.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/aca-anti-discrimination-regs-provide-detailed-guidance</loc>
		<lastmod>2016-08-11T21:01:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/HealthcareClinic-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-makes-a-successful-digital-wellness-tool</loc>
		<lastmod>2016-08-11T21:01:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Cedric.Hutchings.EBN_.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/small-boost-in-millennials-financial-health-has-long-term-effects</loc>
		<lastmod>2016-08-11T21:01:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-Millennials-Retirement.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-apple-believes-healthcare-will-one-of-its-key-markets</loc>
		<lastmod>2016-08-11T21:02:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-amazon-can-provide-lessons-for-benefits-tech</loc>
		<lastmod>2016-08-11T21:02:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Chris-Chan-Mercer-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/real-time-communication-could-transform-benefits</loc>
		<lastmod>2016-08-11T21:02:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/David-Reiduse-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mercers-innovation-hub-leader-details-companys-new-on-demand-advice-product</loc>
		<lastmod>2016-08-11T21:03:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Jo-AnneBloch-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/new-fmla-employer-guide-leaves-many-questions-unanswered</loc>
		<lastmod>2016-08-11T21:03:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DOL-Bloomberg-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-amazon-can-provide-lessons-for-benefits-tech</loc>
		<lastmod>2016-08-11T21:04:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Chris-Chan-Mercer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/real-time-communication-could-transform-benefits</loc>
		<lastmod>2016-08-11T21:04:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/David-Reiduse.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-marnie-vaughan</loc>
		<lastmod>2016-08-11T21:05:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Marnie.Vaughan.SevernTrentServices-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/doldol-will-be-prepared-for-fiduciary-enforcement-perez-says</loc>
		<lastmod>2016-08-11T21:05:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Perez-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/student-loan-repayment-programs-are-the-next-401-k</loc>
		<lastmod>2016-08-11T21:06:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN0520-StudentLoans-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-cynthia-loh</loc>
		<lastmod>2016-08-11T21:06:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/CynthiaLoh.BettermentforBusiness.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/teleworkers-more-likely-to-prioritize-wellness</loc>
		<lastmod>2016-08-11T21:06:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-P1-Morning-May20-WellnessAtWork.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/mobile-technology-a-must-for-todays-employees-benefit-experts-say</loc>
		<lastmod>2016-08-11T21:06:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DigiBen.Cropped-1-rotated.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-technology-can-help-advisers-better-serve-a-changing-workforce</loc>
		<lastmod>2016-08-11T21:07:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/one-med-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pto-cited-as-critical-benefit-for-potential-recruits</loc>
		<lastmod>2016-08-11T21:07:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TimeOff-5-20-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-technology-is-the-solution-for-problems-facing-a-changing-workforce</loc>
		<lastmod>2016-08-11T21:09:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/one-med.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/clients-seeking-more-institutional-approach-to-tdfs</loc>
		<lastmod>2016-08-11T21:09:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TDF-3-7-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mobile-technology-a-must-benefit-experts-say</loc>
		<lastmod>2016-08-11T21:10:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DigiBen.Cropped-rotated.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-cynthia-loh</loc>
		<lastmod>2016-08-11T21:10:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/CynthiaLoh.BettermentforBusiness-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/teleworkers-more-likely-to-prioritize-wellness</loc>
		<lastmod>2016-08-11T21:10:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-P1-Morning-May20-WellnessAtWork-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-isaac-oates</loc>
		<lastmod>2016-08-11T21:11:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Isaac.Oates_.Justworks-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-seeking-more-institutional-approach-to-tdfs</loc>
		<lastmod>2016-08-11T21:12:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TDF-3-7-16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/dols-overtime-rules-a-numbers-game</loc>
		<lastmod>2016-08-11T21:12:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Bloomberg-DOL-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/many-employers-that-have-not-used-advisers-now-seeking-their-services</loc>
		<lastmod>2016-08-11T21:13:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-dayne-williams</loc>
		<lastmod>2016-08-11T21:13:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/25DayneWilliams-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/salary-threshold-in-new-overtime-rules-lowered</loc>
		<lastmod>2016-08-11T21:13:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Bloomberg-DOL-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/clients-advised-to-revisit-wellness-programs</loc>
		<lastmod>2016-08-11T21:14:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-051716-WellnessOfferings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-top-benefit-firms-achieve-sustained-growth</loc>
		<lastmod>2016-08-11T21:15:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/p1-aon-no-snow-use.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-stuart-schulman</loc>
		<lastmod>2016-08-11T21:15:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/20StuartSchulman-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/acclaris-introduces-hsa-tracker-with-real-time-data-analytics</loc>
		<lastmod>2016-08-11T21:15:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA041316_HSA-chart-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-dayne-williams</loc>
		<lastmod>2016-08-11T21:15:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/25DayneWilliams.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/sabbaticals-said-to-reduce-burnout-improve-worker-loyalty</loc>
		<lastmod>2016-08-11T21:15:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-Bloomberg-May18-Morning.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/consumers-ready-to-give-insurers-biometric-data-for-a-price</loc>
		<lastmod>2016-08-11T21:16:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Wearabletech-Fotolia.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-stuart-schulman</loc>
		<lastmod>2016-08-11T21:17:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/20StuartSchulman.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-advised-to-weigh-all-variables-in-tdf-customization</loc>
		<lastmod>2016-08-11T21:17:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TDF-5-16-16-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/top-court-backs-out-of-deciding-aca-contraceptive-case</loc>
		<lastmod>2016-08-11T21:17:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P5-SCOTUS.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-advised-to-weigh-all-variables-in-tdf-customization</loc>
		<lastmod>2016-08-11T21:19:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TDF-5-16-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/aca-contraceptive-case-produces-supreme-court-compromise</loc>
		<lastmod>2016-08-11T21:19:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/SCOTUS-Bloomberg-March23.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/acclaris-introduces-hsa-tracker-with-real-time-data-analytics</loc>
		<lastmod>2016-08-11T21:20:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA041316_HSA-chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/roth-401-k-options-underutilized-by-employees</loc>
		<lastmod>2016-08-11T21:20:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-Roth401kGrowth-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/insurance-m-a-activity-reaches-record-high</loc>
		<lastmod>2016-08-11T21:21:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA-MA-activity-2016-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-kristen-booth</loc>
		<lastmod>2016-08-11T21:21:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Kristen.Booth_.Lakeland-Regional-Health.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/cignas-tuition-reimbursement-program-delivers-roi</loc>
		<lastmod>2016-08-11T21:21:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Cigna-exterior-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-denise-king</loc>
		<lastmod>2016-08-11T21:24:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Denise.King_.Medtronic-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ill-never-retire-americans-break-record-for-working-past-65</loc>
		<lastmod>2016-08-11T21:24:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-041316-RetirementFeelings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/some-aca-funding-deemed-illegal-by-dc-federal-judge</loc>
		<lastmod>2016-08-11T21:24:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P5-Court-house.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/insurance-agency-m-a-reaches-record-high-in-q1</loc>
		<lastmod>2016-08-11T21:25:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA-MA-activity-2016.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-plan-sponsors-should-look-at-tdfs-with-short-term-tips</loc>
		<lastmod>2016-08-11T21:25:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TIPS-Availability-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-denise-king</loc>
		<lastmod>2016-08-11T21:25:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Denise.King_.Medtronic.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/roth-401-k-options-more-popular-with-plan-sponsors</loc>
		<lastmod>2016-08-11T21:26:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-Roth401kGrowth.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-saravanan-chettiar</loc>
		<lastmod>2016-08-11T21:26:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/12SaravananChettiar12-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-plan-sponsors-should-look-at-tdfs-with-short-term-tips</loc>
		<lastmod>2016-08-11T21:26:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-TIPS-Availability.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fiduciary-rollout-dol-to-extend-a-hand</loc>
		<lastmod>2016-08-11T21:26:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DoL-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fiduciary-rollout-dol-to-extend-a-hand</loc>
		<lastmod>2016-08-11T21:27:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DoL.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-saravanan-chettiar</loc>
		<lastmod>2016-08-11T21:27:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/12SaravananChettiar12.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/new-flsa-regs-will-boost-employer-payroll-costs</loc>
		<lastmod>2016-08-11T21:27:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Bloomberg-DOL.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-advised-to-re-evaluate-retirement-plan-costs</loc>
		<lastmod>2016-08-11T21:28:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-051216-401kFeeChecks.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/5-things-employers-need-to-know-about-overtime-rules</loc>
		<lastmod>2016-08-11T21:28:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DOL-Bloomberg-P2-Afternoon.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-bertrand-janin</loc>
		<lastmod>2016-08-11T21:28:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/24BertrandJanin24-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-use-client-data-effectively-to-increase-sales</loc>
		<lastmod>2016-08-11T21:29:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/opioid-epidemic-hitting-employers-bottom-line</loc>
		<lastmod>2016-08-11T21:29:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-050916-OpiodAbuse.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/startup-targets-underserved-supplemental-healthcare-niche</loc>
		<lastmod>2016-08-11T21:29:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P3-bates.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/perceived-barriers-keep-small-businesses-from-offering-benefits</loc>
		<lastmod>2016-08-11T21:30:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-050609-Small-Business-P1-Afternoon.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-bertrand-janin</loc>
		<lastmod>2016-08-11T21:30:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/24BertrandJanin24.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tuitionio-expands-student-loan-repayment-offering</loc>
		<lastmod>2016-08-11T21:30:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Bloomberg-Graduate.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-mike-levin</loc>
		<lastmod>2016-08-11T21:31:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/6MikeLevin-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/uber-settles-in-two-states-another-national-collective-action-filed</loc>
		<lastmod>2016-08-11T21:31:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/259469122_1-5.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/startup-targets-underserved-supplemental-healthcare-niche</loc>
		<lastmod>2016-08-11T21:32:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P3-bates-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/mercer-launches-hr-on-demand-consulting-service-for-small-business</loc>
		<lastmod>2016-08-11T21:32:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Jo-AnneBloch-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cigna-namely-launch-private-benefit-exchange</loc>
		<lastmod>2016-08-11T21:33:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-namely.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA-022916-exchanges-2-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/choice-hotels-launches-financial-wellness-program</loc>
		<lastmod>2016-08-11T21:33:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Choice-Hotels-Lobby.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/small-employers-struggle-to-boost-employee-savings</loc>
		<lastmod>2016-08-11T21:33:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/225317576.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-seeking-hard-numbers-to-justify-wellness-programs</loc>
		<lastmod>2016-08-11T21:34:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/geoff-duncan-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-kevin-andrews</loc>
		<lastmod>2016-08-11T21:35:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/KevinAndrews.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/opioid-epidemic-hitting-employers-bottom-line</loc>
		<lastmod>2016-08-11T21:35:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-050916-OpiodAbuse-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mercer-launches-hr-on-demand-service-for-small-business</loc>
		<lastmod>2016-08-11T21:35:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Jo-AnneBloch.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-roger-lee</loc>
		<lastmod>2016-08-11T21:36:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/4RogerLee-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/dol-fiduciary-ruling-may-have-more-significant-impact-than-advisers-initially-thought-study-finds</loc>
		<lastmod>2016-08-11T21:36:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-3.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fiduciary-rule-to-require-all-hands-on-deck</loc>
		<lastmod>2016-08-11T21:37:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/DOL-Bloomberg3-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-roger-lee</loc>
		<lastmod>2016-08-11T21:37:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/4RogerLee.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/cancer-complex-and-intimidating-for-benefit-professionals</loc>
		<lastmod>2016-08-11T21:37:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-use-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-brendon-mcqueen</loc>
		<lastmod>2016-08-11T21:38:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/9Brendon_McQueen-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/private-exchange-operators-retooling-their-platforms-ebn</loc>
		<lastmod>2016-08-11T21:38:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA-022916-exchanges-2-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/employers-employees-share-different-views-on-value-of-voluntary-ebn</loc>
		<lastmod>2016-08-11T21:40:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-non-insurance.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-brendon-mcqueen</loc>
		<lastmod>2016-08-11T21:40:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/9Brendon_McQueen.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/broker-concern-mounts-over-single-payer-ballot-initiative</loc>
		<lastmod>2016-08-11T21:40:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P3-colorado-cap-fotolia.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/guardian-maxwell-health-partner-to-offer-brokers-new-platform</loc>
		<lastmod>2016-08-11T21:41:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/MaxwellHealth2-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-ill-prepared-to-manage-cdhps</loc>
		<lastmod>2016-08-11T21:41:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-chart-use.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/guardian-maxwell-health-partner-to-offer-brokers-new-platform</loc>
		<lastmod>2016-08-11T21:42:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/MaxwellHealth2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-seannalyn-brandmeir</loc>
		<lastmod>2016-08-11T21:42:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/9SeannalynBrandmeir9-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-advisers-need-in-house-compliance</loc>
		<lastmod>2016-08-11T21:43:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P3-headshot-richard.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/telecommuting-benefits-cited-as-key-factor-in-worker-happiness</loc>
		<lastmod>2016-08-11T21:44:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-Telecom-42616.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-versus-employees-two-views-on-voluntary-benefits</loc>
		<lastmod>2016-08-11T21:44:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-non-insurance-1.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-seannalyn-brandmeir</loc>
		<lastmod>2016-08-11T21:45:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/9SeannalynBrandmeir9.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/ppo-deductibles-found-to-be-just-as-high-as-hdhp-minimums</loc>
		<lastmod>2016-08-11T21:45:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-050416-MidsizeHealthPlans-P1-Morning.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-fair-healths-robin-gelburd</loc>
		<lastmod>2016-08-11T21:45:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/18RobinGelburd18-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-advisers-need-to-improve-their-knowledge-of-ben-admin-platforms</loc>
		<lastmod>2016-08-11T21:46:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA050316_BenAdmin.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-take-note-holistic-healthcare-is-catching-fire</loc>
		<lastmod>2016-08-11T21:47:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/p3-yoga-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/tech-innovator-spotlight-robin-gelburd</loc>
		<lastmod>2016-08-11T21:47:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/18RobinGelburd18.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employee-development-programs-key-to-retaining-talent</loc>
		<lastmod>2016-08-11T21:47:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/EBN-050316-TalentCompetition-P1-Morning.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/innovative-program-helps-wellesley-combat-employee-stress</loc>
		<lastmod>2016-08-11T21:47:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/WellesleyCollege-P1-Morning-May3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/tech-innovator-spotlight-dr-rajaie-batniji</loc>
		<lastmod>2016-08-11T21:48:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/5Rajaie_Batniji55-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/telecommuting-benefits-cited-as-key-factor-in-worker-happiness</loc>
		<lastmod>2016-08-11T21:48:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-Telecom-42616.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/student-debt-has-multi-generational-impact-on-financial-wellness</loc>
		<lastmod>2016-08-11T21:49:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/PwC.Sign_.Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-employers-are-trying-to-help-workers-deal-with-financial-stress</loc>
		<lastmod>2016-08-11T21:49:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/p3-fin-stress-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/private-benefit-exchange-operators-retooling-their-platforms</loc>
		<lastmod>2016-08-11T21:49:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/P1-EBA-022916-exchanges-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-finding-ways-to-help-clients-cut-benefit-costs-and-still-attract-top-talent</loc>
		<lastmod>2016-08-11T21:49:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/p1-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/well-living-lab-looking-to-make-indoor-environments-healthier</loc>
		<lastmod>2016-08-11T21:51:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/WellLivingLab.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pet-bereavement-leave-being-offered-as-boutique-benefit</loc>
		<lastmod>2016-08-11T21:51:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Fotolia_P2-May2-Morning.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/05/Gin3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/ups-warns-of-38b-cost-if-us-backs-pension-benefit-cut</loc>
		<lastmod>2016-08-11T21:52:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/ups-truck.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/workers-blaming-weight-gain-on-job-stress</loc>
		<lastmod>2016-08-11T21:53:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-42616-weight.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-modernize-traditional-defined-benefit-plans</loc>
		<lastmod>2016-08-11T21:53:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN042616-CashBalancePlans-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-the-outcome-of-the-presidential-race-is-likely-to-influence-health-benefits</loc>
		<lastmod>2016-08-11T21:54:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/cover.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/partnership-facilitates-research-on-healthier-indoor-environments</loc>
		<lastmod>2016-08-11T21:55:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/WellLivingLab.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-employers-should-heed-the-surge-in-telemedicine-and-retail-clinic-popularity</loc>
		<lastmod>2016-08-11T21:57:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P4-Art-use-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/strong-adviser-job-growth-outpaces-other-fields</loc>
		<lastmod>2016-08-11T21:57:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBA042816_jobgrowth.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/hsa-fiduciary-rules-what-advisers-should-do-now</loc>
		<lastmod>2016-08-11T22:00:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/DOL-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/new-telehealth-app-helps-employers-save-on-health-costs-say-advisers</loc>
		<lastmod>2016-08-11T22:00:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-dialing-in-to-telemedicine-chart-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-encouraged-to-take-fresh-look-at-equities</loc>
		<lastmod>2016-08-11T22:00:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/Ackerley_Anne_19ab98.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/how-to-bridge-the-wellness-disconnect-ebn</loc>
		<lastmod>2016-08-11T22:00:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-wellness.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-to-modernize-traditional-defined-benefit-plans</loc>
		<lastmod>2016-08-11T22:01:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN042616-CashBalancePlans.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/student-loan-refi-seen-as-benefits-differentiator</loc>
		<lastmod>2016-08-11T22:13:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-students-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-workplace-flexibility-will-help-retain-talent</loc>
		<lastmod>2016-08-11T22:14:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-042016-FlexibleWorkOptions.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/4-best-practices-for-building-401-k-plan-investment-line-ups</loc>
		<lastmod>2016-08-11T22:14:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN042516-NumberOfFunds.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-seeking-more-efficient-ways-to-offer-retiree-health-benefits</loc>
		<lastmod>2016-08-11T22:17:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-Retiree-chart-FINAL-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/financial-wellness-program-takes-new-direction</loc>
		<lastmod>2016-08-11T22:17:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-Morgan-Stanley-BLOOMBERG.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-do-plan-sponsors-want-from-advisers</loc>
		<lastmod>2016-08-11T22:17:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/NAPA-registrants-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/paid-family-leave-increasing-in-calif-san-francisco-sees-further-top-up</loc>
		<lastmod>2016-08-11T22:17:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-0422-Morning-Bloomberg-SanFran.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/benefits-prime-reason-employees-return-to-former-employer</loc>
		<lastmod>2016-08-11T22:19:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-April18-EBN-Morning-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/helping-employers-overcome-wellness-program-disconnect</loc>
		<lastmod>2016-08-11T22:19:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-wellness-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-one-firms-tech-solution-is-invigorating-employers-financial-wellness-plans</loc>
		<lastmod>2016-08-11T22:19:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-Assaley.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-advisers-should-respond-to-increased-dol-audits</loc>
		<lastmod>2016-08-11T22:20:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/dol-bldg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/student-debt-has-multi-generational-impact-on-financial-wellness</loc>
		<lastmod>2016-08-11T22:20:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/PwC.Sign_.Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/aca-compliance-continues-to-challenge-advisers</loc>
		<lastmod>2016-08-11T22:21:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-Kite-headshot.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/financial-wellness-programs-growing-yet-employee-awareness-remains-low</loc>
		<lastmod>2016-08-11T22:22:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-041516-FinWellIncentives-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-encouraged-to-take-fresh-look-at-equities</loc>
		<lastmod>2016-08-11T22:22:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/Ackerley_Anne_5ca318.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/why-workplace-flexibility-will-help-retain-talent</loc>
		<lastmod>2016-08-11T22:22:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-042016-FlexibleWorkOptions-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-speak-a-clients-industry-specific-language</loc>
		<lastmod>2016-08-11T22:24:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-feature-fotolia.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/collective-investment-trusts-gaining-ground-in-401-k-s</loc>
		<lastmod>2016-08-11T22:24:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P2-Morning-Bloomberg-April14-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-report-difficulty-navigating-healthcare-options</loc>
		<lastmod>2016-08-11T22:24:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-FINAL-Chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/plan-sponsors-advised-to-battle-retirement-inertia-with-consistent-messaging-concrete-examples</loc>
		<lastmod>2016-08-11T22:25:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/NAPA-registrants.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/paid-sick-leave-optimizes-employee-health-productivity</loc>
		<lastmod>2016-08-11T22:25:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-041916-PaidLeave.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/sen-scott-mlr-provision-causing-disincentive-to-sell-health-insurance</loc>
		<lastmod>2016-08-11T22:26:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-Sen-Scott.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-one-firms-tech-solution-is-invigorating-clients-financial-wellness-plans</loc>
		<lastmod>2016-08-11T22:26:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-Assaley-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/benefits-administrative-work-presents-opportunity-for-adviser-help</loc>
		<lastmod>2016-08-11T22:27:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-chris-schutt-2016-photo-for-inclusion-in-story.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/california-leading-equal-pay-changes-sweeping-the-us</loc>
		<lastmod>2016-08-11T22:27:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/California-StateCapitol-jpg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/benefits-prime-reason-employees-return-to-former-employer</loc>
		<lastmod>2016-08-11T22:27:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-April18-EBN-Morning.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/targeted-communications-transparency-hdhp-open-enrollment</loc>
		<lastmod>2016-08-11T22:29:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-HDHP-4-12-16-P1-Morning-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/maestro-health-launches-integrated-solution-for-self-funded-plans-1</loc>
		<lastmod>2016-08-11T22:29:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/rob-butler.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/congressman-touts-proposals-to-help-avert-retirement-crisis</loc>
		<lastmod>2016-08-11T22:30:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/Crowley-Official-Hi-Res-Headshot.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/financial-wellness-programs-growing-yet-employee-awareness-remains-low</loc>
		<lastmod>2016-08-11T22:30:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-041516-FinWellIncentives.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/record-m-a-activity-driving-employers-to-take-on-increased-pension-benefits-risk</loc>
		<lastmod>2016-08-11T22:31:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-041116-MA-Benefits-2-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-pensions.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/cits-gaining-ground-in-401-k-plans</loc>
		<lastmod>2016-08-11T22:31:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P2-Morning-Bloomberg-April14.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employees-report-difficulty-navigating-healthcare-options</loc>
		<lastmod>2016-08-11T22:32:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-041416-BenefitsPurchase.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-the-tech-industrys-women-problem-is-advancing-paid-family-leave</loc>
		<lastmod>2016-08-11T22:32:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/ssvivadent-women.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/acclaris-connectedhealth-partner-to-advance-new-health-savings-account-options</loc>
		<lastmod>2016-08-11T22:32:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/HSAs.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/declining-compensation-leads-to-adviser-servicing-struggles</loc>
		<lastmod>2016-08-11T22:34:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-headshot.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/baby-boomers-report-lack-of-confidence-in-retirement-savings</loc>
		<lastmod>2016-08-11T22:34:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-boomers-at-work-FOTOLIAuse.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-trying-different-methods-to-hold-down-healthcare-costs</loc>
		<lastmod>2016-08-11T22:34:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN040816-HealthcareChanges.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/remote-workforce-presents-challenges-for-benefits-communication</loc>
		<lastmod>2016-08-11T22:34:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN041316-CommsMethods.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/trusting-culture-fuels-employee-performance-says-build-a-bears-ceo</loc>
		<lastmod>2016-08-11T22:35:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-BBW-4-12-16-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-private-exchange-solutions-should-be-flexible</loc>
		<lastmod>2016-08-11T22:37:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-Sima-Reed-Headshot_18d791.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/boomers-not-moving-beyond-401-k-s-iras</loc>
		<lastmod>2016-08-11T22:38:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P2-Morning-April8-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/baby-boomers-report-lack-of-confidence-in-retirement-savings</loc>
		<lastmod>2016-08-11T22:38:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-boomers-at-work-FOTOLIA.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/targeted-communications-transparency-tools-can-enhance-hdhp-open-enrollment</loc>
		<lastmod>2016-08-11T22:39:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-HDHP-4-12-16-P1-Morning.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-to-help-clients-deploy-benefit-technologies</loc>
		<lastmod>2016-08-11T22:40:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-Gerry-headshot.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-set-to-increase-career-development-program-to-retain-talent</loc>
		<lastmod>2016-08-11T22:41:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-033116-AltPerks.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/record-m-a-activity-driving-employers-to-take-on-increased-pension-benefits-risk</loc>
		<lastmod>2016-08-11T22:41:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-041116-MA-Benefits-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/thriving-workplace-culture-hinges-on-trust</loc>
		<lastmod>2016-08-11T22:42:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-workplace-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/more-workers-using-retirement-for-non-emergencies</loc>
		<lastmod>2016-08-11T22:48:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-040416-RaidRetirement.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/eba-accepting-nominations-for-women-in-advising-award</loc>
		<lastmod>2016-08-11T22:48:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/wia-slide.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fiduciary-rule-will-flatten-fees-some-experts-say</loc>
		<lastmod>2016-08-11T22:48:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/TomPerez.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/boomers-still-only-engaged-with-401-k-s-iras</loc>
		<lastmod>2016-08-11T22:49:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P2-Morning-April8-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-trying-different-methods-to-hold-down-healthcare-costs</loc>
		<lastmod>2016-08-11T22:49:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN040816-HealthcareChanges-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/hipaa-audit-how-advisers-can-prep-their-clients</loc>
		<lastmod>2016-08-11T22:49:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/HIPAA-0-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/general-retirement-education-wont-trigger-fiduciary-standard</loc>
		<lastmod>2016-08-11T22:51:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/DOL-Bloomberg-P2-Afternoon.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-report-workers-financial-issues-affecting-job-performance</loc>
		<lastmod>2016-08-11T22:51:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-040716-FinancialChallenges.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/advisers-react-to-dol-final-fiduciary-rule</loc>
		<lastmod>2016-08-11T22:51:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-EBA-adviser-reaction.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/loyalty-rising-as-workers-look-to-employers-for-financial-security</loc>
		<lastmod>2016-08-11T22:51:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-040516-Finances.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/experts-say-final-fiduciary-rule-will-flatten-fees</loc>
		<lastmod>2016-08-11T22:52:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/Presser_Perez-Image.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-the-new-fiduciary-standard-ups-the-ante-for-employers-and-advisers</loc>
		<lastmod>2016-08-11T22:52:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/dol-bldg-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/fiduciary-rule-adds-more-oversight-to-plan-sponsor-responsibilities</loc>
		<lastmod>2016-08-11T22:52:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/DOL-Bloomberg3.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/what-can-advisers-expect-from-todays-fiduciary-rule-announcement</loc>
		<lastmod>2016-08-11T22:53:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-Secretary-of-Labor-Thomas-E.-Perez-bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/millennials-have-increased-need-for-education-about-benefits</loc>
		<lastmod>2016-08-11T22:54:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-Millennial-Chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/humana-boasts-big-success-in-wellness-plan</loc>
		<lastmod>2016-08-11T22:54:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN040516-P2-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/auto-and-home-insurance-coverage-in-high-demand</loc>
		<lastmod>2016-08-11T22:56:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-auto.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/humana-boasts-big-success-in-wellness-plan</loc>
		<lastmod>2016-08-11T23:02:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN040516-P2-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/loyalty-rising-as-workers-look-to-employers-for-financial-security</loc>
		<lastmod>2016-08-11T23:02:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-040516-Finances-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cms-proposes-payment-changes-for-group-medicare-advantage-plans</loc>
		<lastmod>2016-08-11T23:03:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-HHS-CMS.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cutting-worker-hours-to-avoid-aca-penalties-may-violate-erisa</loc>
		<lastmod>2016-08-11T23:04:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/court-house-use-istock-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/retirement-plan-reviews-missing-the-mark-in-terms-of-focus-frequency</loc>
		<lastmod>2016-08-11T23:05:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-MassMutual-3-30-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/more-workers-using-retirement-accounts-for-non-emergency-purposes</loc>
		<lastmod>2016-08-11T23:05:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/EBN-040416-RaidRetirement-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/pbe-index-continues-to-rise-crosses-key-milestones</loc>
		<lastmod>2016-08-11T23:06:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/eba-15apr.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/fiduciary-rule-to-be-announced-wednesday-sources-confirm</loc>
		<lastmod>2016-08-11T23:06:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-Secretary-of-Labor-Thomas-E.-Perez-bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/helping-members-of-generation-x-get-ready-for-retirement-ebn</loc>
		<lastmod>2016-08-11T23:07:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-cHART-UPDATED-JOHN-APPROVEd.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/cutting-worker-hours-to-avoid-aca-penalties-may-violate-erisa</loc>
		<lastmod>2016-08-11T23:07:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/court-house-use-istock.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/erisa-attorney-cautions-plan-sponsors-against-settling-cases</loc>
		<lastmod>2016-08-11T23:08:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P5-Court-house.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employer-sponsored-health-insurance-to-cost-the-us-266-billion-in-2016</loc>
		<lastmod>2016-08-11T23:08:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P1-EBA-CBO-Chart-Kalish.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/three-ways-advisers-are-using-technology-with-their-clients</loc>
		<lastmod>2016-08-11T23:08:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/04/P3-tech-client-use.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/blackrock-is-said-to-plan-cutting-about-400-jobs-in-coming-weeks</loc>
		<lastmod>2016-08-11T23:09:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/249861672_6.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/rfps-seen-as-tool-for-testing-adviser-credibility-ebn</loc>
		<lastmod>2016-08-11T23:09:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-033116-Bloomberg-Morning-P2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employers-prioritizing-career-development-programs-to-retain-talent</loc>
		<lastmod>2016-08-11T23:10:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-033116-AltPerks.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/helping-generation-xers-get-ready-for-retirement</loc>
		<lastmod>2016-08-11T23:10:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-cHART-UPDATED-JOHN-APPROVEd.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/metlife-defeats-us-governments-too-big-to-fail-labeling</loc>
		<lastmod>2016-08-11T23:11:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-033016-Metlife.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/state-street-buys-ge-asset-management-for-up-to-485-million</loc>
		<lastmod>2016-08-11T23:11:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/ebn-3-30-16-GE.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/private-benefit-exchange-californiachoice-offers-enrollment-perks-ebn</loc>
		<lastmod>2016-08-11T23:12:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P3-calchoice-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/retirement-plan-reviews-missing-the-mark-in-terms-of-focus-frequency</loc>
		<lastmod>2016-08-11T23:12:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-MassMutual-3-30-16.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/leading-retirement-expert-pushes-rfps-to-test-adviser-credibility</loc>
		<lastmod>2016-08-11T23:13:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-EBA-fid-rule-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employer-group-releases-diabetes-management-guide</loc>
		<lastmod>2016-08-11T23:13:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/Fotolia_P4-Morning-EBN032416-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/some-advisers-would-welcome-delay-of-dol-fiduciary-rule</loc>
		<lastmod>2016-08-11T23:14:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/dol-bldg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/mandatory-union-fees-survive-as-supreme-court-deadlocks</loc>
		<lastmod>2016-08-11T23:15:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/p19cogetfl1v6a7mj15kltc16516.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/raising-100m-betterment-sets-itself-apart-in-robo-space</loc>
		<lastmod>2016-08-11T23:15:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/JonStein.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/why-employer-interest-in-population-health-management-is-growing-ebn</loc>
		<lastmod>2016-08-11T23:16:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/unwell-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/californiachoice-private-exchange-offers-enrollment-perks</loc>
		<lastmod>2016-08-11T23:16:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P3-calchoice.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employees-retirement-confidence-grows-but-savings-still-alarmingly-low</loc>
		<lastmod>2016-08-11T23:17:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032416-EBRI-P1-Morning.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/culture-shift-required-to-meet-female-demand-for-international-assignments</loc>
		<lastmod>2016-08-11T23:43:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/bloombergtravelphoto-P2-Morning-March29.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/supreme-court-upholds-overtime-pay-for-tyson-workers</loc>
		<lastmod>2016-08-11T23:44:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN032816-Bloomberg-Morning-P2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/cigna-aflac-rolling-out-new-group-hospital-indemnity-plans-ebn</loc>
		<lastmod>2016-08-11T23:44:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P5-Cigna-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/employers-interest-in-population-health-management-benefit-strategies-grows</loc>
		<lastmod>2016-08-11T23:45:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/unwell.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-verizon-uses-one-on-one-coaching-to-achieve-wellness-success</loc>
		<lastmod>2016-08-11T23:45:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032216-P2-Bloomberg-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/hearing-and-vision-being-tied-into-wellness-programs-ebn</loc>
		<lastmod>2016-08-11T23:46:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P2-Morning-EBN032416.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/employer-group-releases-diabetes-management-guide</loc>
		<lastmod>2016-08-11T23:46:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/Fotolia_P4-Morning-EBN032416.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/will-scotus-contraceptive-coverage-case-invite-future-aca-challenges</loc>
		<lastmod>2016-08-12T00:02:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-SCOTUS.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/cigna-aflac-rolling-out-new-group-hospital-indemnity-plans</loc>
		<lastmod>2016-08-12T00:02:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P5-Cigna.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-wayne-densch-inc-achieved-85-participation-in-its-wellness-program</loc>
		<lastmod>2016-08-12T00:02:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032116-WellnessAtWork-1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/the-jobs-with-the-highest-gender-pay-gaps</loc>
		<lastmod>2016-08-12T00:03:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/will-private-exchanges-see-participant-attrition-ebn</loc>
		<lastmod>2016-08-12T00:03:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P3-Craig-Hasday-Headshot-pbe-qa-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/the-benefits-of-using-a-wellness-focused-broker-ebn</loc>
		<lastmod>2016-08-12T00:04:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-Cornerstone.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/401-k-plan-pioneer-launching-fee-advisory-service</loc>
		<lastmod>2016-08-12T00:04:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-031816-401kFeeChecks.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-hearing-and-vision-are-being-tied-into-wellness-programming</loc>
		<lastmod>2016-08-12T00:04:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P3-hearing-loss.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/guiding-employers-toward-a-multi-channel-healthy-retirement-approach</loc>
		<lastmod>2016-08-12T00:05:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/techpay.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/verizon-sees-value-in-one-on-one-coaching</loc>
		<lastmod>2016-08-12T00:07:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032216-P2-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/why-auto-enrollment-and-401-k-escalation-should-be-mandated</loc>
		<lastmod>2016-08-12T00:07:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/Alicia-H-Munnell_300-dpi.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/how-wayne-densch-inc-achieved-85-participation-in-its-wellness-program</loc>
		<lastmod>2016-08-12T00:07:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032116-WellnessAtWork-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/behind-the-growing-popularity-of-target-date-funds-ebn</loc>
		<lastmod>2016-08-12T00:09:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-tdf-chart.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/pwc-prioritizes-student-loan-debt-repayment-benefits</loc>
		<lastmod>2016-08-12T00:09:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032116-P4-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/technology-alone-not-enough-in-financial-wellness</loc>
		<lastmod>2016-08-12T00:09:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-032116-P2-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/hsa-enrollment-up-employer-contributions-down</loc>
		<lastmod>2016-08-12T00:10:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P5-HSAs.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-one-benefit-broker-is-capitalizing-on-wellness</loc>
		<lastmod>2016-08-12T00:10:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-Cornerstone-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/dols-overtime-rules-pose-massive-challenges-for-employers</loc>
		<lastmod>2016-08-12T00:11:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-031616-P4-Morning-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/unitedhealth-takes-on-cvs-express-scripts-with-drugs-deal</loc>
		<lastmod>2016-08-12T00:11:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/uhc.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/antea-group-launches-online-cognitive-behavioral-therapy-benefit</loc>
		<lastmod>2016-08-12T00:12:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/antea-group.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-090316-MentalHealth-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/understanding-the-growing-popularity-of-target-date-funds</loc>
		<lastmod>2016-08-12T00:12:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/P1-tdf-chart-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/how-private-exchanges-are-evolving-ebn</loc>
		<lastmod>2016-08-12T00:12:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/p3-use-use-1.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/401-k-plan-pioneer-launching-fee-advisory-service</loc>
		<lastmod>2016-08-12T00:12:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN-031816-401kFeeChecks-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/what-does-scotus-pick-mean-for-employers</loc>
		<lastmod>2016-08-12T00:13:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/SCOTUS-Nominee-Bloomberg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/news/finra-vows-keen-oversight-of-digital-advice-tools</loc>
		<lastmod>2016-08-12T00:13:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/FINRA-CEO-Ketchum_Annual_Conf.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/are-incentives-the-key-to-reducing-healthcare-costs</loc>
		<lastmod>2016-08-12T00:14:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/EBN031416-WellnessIncentives2-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/news/how-private-benefit-exchanges-could-evolve</loc>
		<lastmod>2016-08-12T00:14:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.benefitnews.com/wp-content/uploads/sites/3/2016/03/p3-use-use.jpeg</image:loc>
		</image:image>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->