Once the province of only large plans, ERISA Accounts have found their way into the small plan market. And if you’re an advisor working in that market, it can be an important tool for you to add value to plan sponsors.

We’re starting your week with three important facts, developments or conversations from recent and upcoming events. This week, we look at the new IRS guidelines, final ruling from CMS on MLR ratio and what’s going on in Europe with retirement taxes.

Get ready for tip off. Sun Life Financial is set to offer brokers a new place to take employer clients and employees — the NBA basketball court.

Opponents of a European Union financial-transactions tax say pension funds will be hurt even if their home governments don’t sign up.

“Make an Impact,” the theme for the 2013 NAPA/ASPPA 401(k) summit that began yesterday in Las Vegas, may have sounded more like an exhortation to the nearly 1,400 pension professionals attending the event -- but an appeal that many appear to have every intention of acting upon. Threats to the 401(k) from Washington were chronicled in the opening session by ASPPA CEO Brian Graff and others.

Odds are strong that many of your clients’ 401(k) plans could have significantly greater assets even without spectacular investment performance or a dramatic increase in salary deferral rates.

2013 is seen as a year of growth in voluntary long-term care, LTC, Prudential, Unum.

Overcoming employee inertia in retirement savings with effective plan design by Unified Trust’s Lee Topley.

How agents can help highly compensated executives save and remain competitive with safe harbor 401(k) by John Ludwig

The $64,000 question on state and federally managed health exchanges will be "what is the broker compensation?" Reliance on state and/or federal government to control your compensation is an uncontrollable factor that could lead to the demise of many brokers whose sole business is groups under 50 lives.

Transitions Optical survey reveals only 16% of employees say they receive education from their employer about eye health.

Women and younger workers are particularly likely to favor customizable voluntary benefits, according to a TNS Omnibus survey.

Critical illness insurance covers more diseases than in the past and is increasingly marketed as a financial protection product.

LIMRA reports that 47% of employers with 2-99 employees offer benefits, the lowest level in 20 years.

Ignorance will not be bliss come October when state and federal exchanges begin enrolling individuals and small-employer groups.

Opioid abuse and physician dispensing of repackaged drugs top the list of concerns for PBMs that handle workers’ compensation claims.

Two new FDA-approved weight loss drugs help patients lose weight but only in conjunction with diet and exercise.

Some 29 states have so-called lifestyle laws that protect smokers’ rights.

Most pharmacy benefit managers don’t use warning systems to flag high use or potential abuse of narcotics. But you can, with a good eye and simple calculator.

Enlist your broker as a partner toe help you stay on top of health care reform rules and regulations, writes Contributing Editor Laurie Miller.