Wellness

Employers should understand how the offering works, how it affects retirement savings and potential pitfalls.

The retirement plan gives employees freedom to direct investments and to accumulate savings.

Firms seeking high engagement in health plans should look at programs in their entirety and gauge the opinion of employees.

Creating an impactful plan starts with a strong culture of health, says 2017 Wellness Adviser of the Year Valeria Tivnan.

Low participation rates shouldn’t stop advisers from offering the service, but rather provide an opportunity to gather success stories and improve engagement.

The retirement plan gives employees freedom to direct investments and to accumulate savings.

High-yield or junk bonds, equities, and real estate investment trusts are excellent investment options for IRAs.

Renewal rates in 2017 exceed five-year average, suggest employees shouldering greater cost-shifting burden, according to UBA.

Retirement readiness would vastly improve by requiring auto features, increasing HSA contribution limits, and outlawing participant loans, among other recommendations, says adviser Robert Lawton.

HR apps and wellness software make it easy to collect employee health information in one place, regularly update information and track goals.