40% of U.S. consumers earning $75K or less annually were put into debt by their holiday spending.

Workers employed by small firms -- those with fewer than 200 employees -- would need to pay an average of $8,334 toward the premiums each year for family coverage.

Low earnings was identified as the number-one biggest roadblock (41%) for retirement, while the majority of Americans (53%) feel they're lagging behind their peers in savings, according to a new survey.

Brokers and benefits consultants can play a role in increasing people's access to resources and empowering individuals and their loved ones to navigate the process of choosing a plan with confidence.