The lawsuits will keep making headlines. Premiums will keep rising. Leadership will continue asking harder questions. But, the organizations best prepared for that future aren’t the ones that check the box.

Retirement plan litigation has demonstrated that fiduciary risk often reshapes behavior long before final rulings are issued.

Four new class action lawsuits filed in late December could significantly accelerate fiduciary duty enforcement for health and welfare plans offering voluntary benefits, placing advisors and brokers squarely in the litigation crosshairs.

So, what exactly has been fixed by the One Big Beautiful Bill Act?

How will the Supreme Court decision to overturn a 40-year-old precedent affect employers and their benefits?