What's your client's exchange strategy? Nearly half of employers indicate a preference for moving their employee benefit program to a private benefit exchange and adopting a defined contribution strategy in the next three years, according to the 2012 Aon Hewitt employer survey.

Defined contribution has proven its value in 401(k) plans, but are exchanges the silver bullet many claim them to be? In reality, the current exchange mania is a lot like the Wild West gold rush, and few really understand what's involved.

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