People need to understand their retirement saving options, including Health Savings Accounts (HSAs), which are much more than a health care funding tool.

Much of the focus for improving the 401(k) system has been on increasing participation. But scant attention has been paid to plugging retirement plan leakage.

Ask most anyone in the benefits industry to recall a pivotal career moment, and many point to a memorable claim experience.

With the passage of the 21st Century Cures Act, the nations small employers have a clearly compliant way to reimburse employees who get their own individual policy tax-free.