Insights
Guides, briefs and answers for the people running benefits — written by the advisors who do this every day.
In 2025, 25% of part-time civilian workers had access to employer-provided medical care benefits, compared with 89% of full-time workers, according to the U.S. Bureau of Labor Statistics. That gap
An employer can get two very different reactions to the same renewal proposal. A company with a mostly young workforce may see a lower-premium PPO as a practical way to
You're closing open enrollment, the spreadsheet looks tidy, and then your broker asks a quiet question. Did anyone run Section 125 nondiscrimination testing this year? If you're like many first-time
An SMB benefits leader presents the wellness budget at a finance meeting. Employees have signed up, feedback is positive, and the vendor's dashboard shows activity. Then the CFO asks whether
It's Friday morning, payday, and a new hire messages HR: their bank balance still shows zero. Everyone else appears to have been paid. The payroll file was submitted on schedule,
Open enrollment means a defined, time-limited annual window when eligible employees can enroll in, renew, or change health coverage for the upcoming plan year, typically without needing a qualifying life
