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Businessman on a tree limb Next year will be a big one for design as more benefits advisors and employers break away from incremental additions and subtractions and begin to move in very new directions. (Illustration: Faye Rogers)

December is a month for celebration, reflection and expectation. We decided to leave the first two to others and focus on the year to come in five categories: technology, plan design, management, cost control and broker business.

Dan Cook


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