Newton's three laws can also be applied to annual enrollment and increase employees' active participation.

The trick to really making an impact on an employers' bottom line is to know which strategies to use and how to implement them correctly.

Findings aren't expected to dramatically affect large plan liabilities, but teacher plans could be impacted. And smaller plans may be using outdated mortality tables.

Change often creates momentary chaos, and within that chaos hides opportunity for the taking, but only if you're sharp-eyed and quick.