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Even the smallest gestures can make an enormous difference in helping build incredible and lasting bonds with the corporate HR teams you advise.

Self-funding, network steerage and gap funding require advisers willing to step out of cruise control and into a more consultative, engaged role.

Advisers can do a better job equipping employees with the knowledge they need to make better benefit choices.

Just as hidden fees became the hallmark issue in 401(k) fiduciary litigation, shared savings is quickly becoming the next flashpoint in health plan oversight.

As 401(k) balances continue to grow, advisers say it's crucial that employees are educated on how to effectively manage their portfolios.

Direct primary care can help restore access, trust and excellence in healthcare centered in prevention, powered by relationships and grounded in science.

Communication challenges will include personalizing benefit messaging to five generations working side by side, and designing affordable healthcare coverage.

Moving beyond transactions to position benefits as a prevention system doesn't just slow medical inflation; it builds healthier, more engaged and productive teams.

More thoughtful communication can help sell benefit plan participants on equitably sharing responsibilities, as the need for hyper-personalized messaging grows.

A two-phased strategy can help create cost-effective, employee-focused health plans while addressing unnecessary claims costs.