By suggesting an employee survey and running it yourself, you can learn about the state of your current relationship -- or get your foot in the door for a new relationship.

Aggregate stop-loss coverage is most prevalent in conjunction with individual stop-loss deductibles of $250,000 or less.

Pay equality has been an important topic over the last few years, and the drive to correct the systemic suppression of wages for women and minority workers for decades has led to pay transparency laws in several states. New York will now join eight other states in requiring employers to disclose to job applicants how much a position pays.

The law will require companies to report cyber incidents within 72 hours and flag paying a ransom within 24 hours.