Insights
Guides, briefs and answers for the people running benefits — written by the advisors who do this every day.
Your renewal packet lands in the inbox. Finance wants cost control. Recruiting wants richer benefits. Employees want coverage that functions when they need a specialist, a prescription, or a bill
Your renewal lands in the inbox. The premium is up again. HR has to explain it, finance has to fund it, and leadership still has very little visibility into what
Open enrollment tends to surface the same questions every year. An employee with an HSA asks whether they can also elect an FSA. A manager wants to know whether braces
You’re probably weighing the same trade-off many SMB leaders face every renewal season. Employees ask for stronger benefits, finance wants predictable costs, and HR needs something people will use. Dental
Actuarial Value, or AV, is a health plan’s generosity score. It shows the average share of medical costs a plan pays for a standard population, with bronze at 60%, silver
A Summary Plan Description (SPD) is a legally required document that explains your company's employee benefits plan in easy-to-understand language, acting as the official rulebook for employees. Under ERISA, employers
