Blog listing
Why EPLI Matters
Employment-related lawsuits are rising, and EPLI helps clients avoid devastating financial consequences. From AI hiring lawsuits to discrimination claims, today’s risks are more complex than ever. Brokers who address EPLI early position themselves as trusted advisors with a broader view of protection
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Why Rural Employers Struggle to Offer Competitive Benefits and How Brokers Can Help
Rural businesses face higher healthcare costs, fewer provider options, and limited plan flexibility. But with the right strategy, they can still offer competitive benefits. Brokers play a key role in helping employers move beyond default plans, find creative ways to expand access, and make benefits work in the real world.
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Medicare Misinformation: What Brokers Need to Know About Employee Transitions at 65
Confusion around Medicare at age 65 causes real coverage gaps and tax penalties. Most employers don’t offer guidance, leaving employees at risk. This article explains how brokers can add value without selling Medicare by helping clients avoid costly, avoidable mistakes.
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The PCORI Fee: Compliance + Purpose for 2025
It only comes around once a year, but the PCORI fee still trips up employers and raises tough questions. From new rates to filing rules, this quick-hit guide gives you the clarity you need to step in, solve problems, and earn long-term trust. Let’s dive in.
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Self-Funding & Stop-Loss: Rethinking the Risk Equation
Fully insured plans come with rising costs and limited control. Self-funding changes the game. With smart stop-loss strategies and tailored designs, even mid-sized groups can take charge of healthcare spending and plan flexibility. If you’re not talking self-funding, someone else is
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Positioned for Possibility
Outgrown HR and juggling compliance, payroll, and benefits chaos? A PEO might be your client’s smartest move yet. Discover how certified partnerships can unlock better benefits, reduce risk, and give business leaders the freedom to grow without being buried in the back office.
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Why Senior Benefits Are a Smart Growth Play for Brokers in 2025
11,000 Americans turn 65 every day. Many still need benefits. Senior solutions are strategic, an optional no longer. Learn why brokers who embrace Medicare and caregiver support now will deepen client loyalty, tap into new revenue, and become the advisors employers truly need. The future of benefits includes the 65+ crowd. Are you ready?
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ERISA, Form 5500, and Plan Numbers: What Employers Need to Know About Compliance
Think compliance is just paperwork? Think again. A missed Form 5500, a wrong plan number, or an incomplete SPD can cost employers thousands. This guide breaks down what employers need to know and how brokers can step in to spot red flags before penalties hit. Compliance isn’t scary when you know what to look for.
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HRA vs. HSA vs. FSA: Breaking Down the Alphabet Soup of Healthcare Savings
HSAs, HRAs, FSAs — each offers tax advantages, but choosing the right one isn’t always straightforward. From portability to rollover rules, this article helps brokers confidently guide clients through the chaos and offer smarter, personalized savings solutions. Because in today’s market, cookie-cutter benefits just don’t cut it. Let’s dive in.
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Pharmacy Benefits Under Scrutiny: A Call for Greater Transparency
Rising prescription drug costs frustrate employers who expect fair pricing. Many feel trapped by complex pricing structures from pharmacy benefit managers. Brokers who offer guidance on rebates, discount programs, and clear cost-saving strategies can help clients manage expenses while establishing themselves as valuable partners in an evolving market. Get the insights you need.
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MLR Rebates: What They Are, Why They Matter, and What Employers Must Do
MLR rebates seem simple but come with compliance, tax, and ERISA complications. Providing clear guidance helps clients avoid costly mistakes and appreciate your expertise. These conversations can also lead to broader financial strategy discussions. The right approach strengthens relationships and proves your value beyond the annual renewal process. Find out how to turn rebates into opportunities.
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Alternative Benefit Plans: How Expanding Your Options Helps You Close More Deals
Employers feel stuck when renewal rates rise, and budgets tighten. Offering more benefit solutions creates fresh opportunities to strengthen client relationships. Expanding carrier access, flexible funding models, and tailored benefit designs helps brokers address client needs and achieve better outcomes during renewal conversations. Creative options lead to success. Discover the strategies that d
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