Brokers who want to compete and thrive in this increasingly self-service marketplace need to embrace technology as an effective way to improve customer service and build business.

Brokers who want to compete and thrive in this increasingly self-service marketplace need to embrace technology as an effective way to improve customer service and build business.

The gains, however, are less than the annual investment returns of 7.5 percent to 8 percent that many state and local governments count on to pay benefits for teachers, police and other employees.

How can employees be expected to make a good decision about benefits when they only take six minutes to enroll?