Healthcare costs are jumping 10% in 2026. A disengaged broker isn't neutral, they're a cost. Here's how to fire them, what to gather first, and how a Broker of Record change actually works.
Your broker's carrier shortlist isn't built around your best premium. It's built around their easiest workflow. Here's what's actually driving those repeat recommendations.
The CAA requires brokers to disclose all compensation before your renewal is signed. Most employers never ask for it, and that creates real fiduciary exposure.
Your broker may be earning indirect compensation from the carrier recommending your plan. Here are the specific red flags, compensation structures, and service failures that signal it's time to make a change.
There's no new law banning voluntary benefits. But four ERISA lawsuits filed in December 2025 are arguing many "voluntary" programs were never safely outside ERISA. Here's what the safe harbor actually requires and where employers are slipping.
