From the perspective of both a consumer and a legal advisor to employers (and a former HR manager), redundancies and systemic inefficiencies are both personally frustrating and a huge driver of increased costs.

We all know how rapidly the worksite/voluntary business has grown into a major industry, the most dynamic segment on the benefits landscape.

Financial education for employees is a great opportunity right now.

The issues that were percolating in 2015--involving the primacy of plan terms, the fiduciary duty of prudence, and the scope of relief available in ERISA cases--are continuing to develop.