If innovation is as Jay Abraham says, "making obsolete that which you did before," then the small motley band of benefits professionals determined to revolutionize their business certainly qualifies.

I sit down with four of them at some pretty plush surroundings at the top of the Mandarin Hotel in Las Vegas, near the southern end of the Strip. It's quiet by Vegas standards, probably because it's still light outside and this is a place built for night.

At any rate, you'd never know to look at them that this is little more than the masterminds behind an insurgent group, ready to overthrow the status quo, whether it's at a trade association annual meeting or in the conference rooms on the front lines of the business.

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