Choices are great, right? With choice comes freedom but, with freedom, comes accountability. In the context of insurance, choices often provoke anxiety or fear because people are worried they'll make the wrong one.

It's no different for employers. They want to make the right benefits choice for employees but often don't have the expertise themselves to weigh all the options. This is where brokers come in.

Some key questions a broker should ask: 

• What is the employer's objective for offering benefits?
• What would other employers offer for benefits?
•  What do the employees want? Or need?
•  How much is available to spend on insurance?

Few small to medium-sized employers can offer everything so where do they begin? Well, to start, medical insurance and retirement plans are likely the highest priorities for everyone. Those should be the first order of consideration. But what comes next?