Qualified Small Employer Health Reimbursement Arrangements don't have expensive premiums, annual rate hikes, or restrictive participation requirements.

The agency has increased employer mandate penalties under the Affordable Care Act for non-compliant large employers (50+ employees) that fail to offer affordable health coverage to 95% of its staff.

While the new retirement law offers unique opportunities for employers, companies need to consider how much value employees will place on the new savings vehicles, such as automatic enrollment and emergency savings.

Employers need to get ahead of the curve in engaging their plan administrators, amending their plans and communicating significant changes to employees, such as emergency withdrawals and student loan match.