Less than half of employers are confident in the integrity of health care services and fees charged by hospitals, pharmacy benefit managers, third-party administrators and even broker and consultants, says a new report.

Third-party financial service companies are stepping in to pay providers in full immediately after a claim is filed, then they assume the financial relationship with the patient to collect due balances.

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The Starter 401(k) gives those employers not already offering a retirement plan an alternative option, automating the process to make traditional 401(k) plans more accessible, especially to smaller companies.