We know that HR directors, benefits managers and C-suite executives are horribly frustrated with employee benefits - not simply with the high cost of the medical, but perhaps most with their lack of control over the process.

Employee benefits planning (such as it is) has become a thoroughly reactionary process. From the effective date, all parties involved hold their breath, awaiting delivery of the renewal notice. My broker clients tell me no task is more unpleasant than delivering a high renewal. I joke that I always know where to find brokers at renewal time (no, not at the bar!); they are at the Army-Navy surplus store, buying a helmet and flak jacket before they go into their renewal meetings.

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