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Hello, Florida and Texas; goodbye, California and New York.

"If you're a bad guy and you're not using ChatGPT or other LLMs to go and find vulnerabilities, you're probably not doing your job as a bad guy," said Scott Giordano, general counsel of Spirion.

Many small business employers may be unaware that there are several retirement solutions available to them and that the new federal law covers 100% of the startup administrative costs for employers with up to 50 employees.

Companies should consider their industry and their working environment before simply making changes and should continue to deal with requests for accommodation in accordance with best practices and the law.

The mandatory SECURE 2.0 provisions that must be implemented within the next two years are generally action items for human resource and benefits professionals, benefits committees, and recordkeepers.

Ultimately, this kind of technology, centered on a VBC delivery model, will help employers reduce expenditures and improve overall financial stability.

As the year progresses, expect an increasing number of employers and benefits consultants to build value-based networks designed to improve health outcomes while reducing costs - and alternative care delivery sites will expand.

The updated form, which includes improved reporting by pooled employer plans and addresses provisions in the SECURE Act 2.0, is estimated to reduce overall filing costs for employee benefit plans by $95 million.