Employer-Paid

Financial risk is the big factor in whether a company self-insures or not. There's little argument about costs self-insurance is less expensive and allows employers to customize plans more easily. It is also less heavily regulated.

The Identity Management Institute says employers need to spend less time on network security and put more emphasis on teaching employees best practices about protecting their digital information from cyberattacks and breaches.

Unused vacation days are a sign that workers arent striking a work-life balance and are at risk of burnout.

The rising cost of health care will largely burden employees rather than employers, as companies continue to make workers pay for a larger share of their health care through higher deductibles and increased copays.

Brokers and their clients may be missing a monumental opportunity to curb your health care spending while also improving your employees health.

According to the Department of Labor, only 12 percent of private sector employees in the U.S. have access to paid family leave, including in the event of the birth or adoption of a child.