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

It's no different for employers. They want to make the rightbenefits choice for employees but often don't have the expertisethemselves to weigh all the options. This is where brokers comein.

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 sowhere do they begin? Well, to start, medical insurance andretirement plans are likely the highest priorities for everyone.Those should be the first order of consideration. But what comesnext?