Featured Insights

New HRA Rules are a Potential Game-Changer

Effective January 1, 2020, employers can establish two new Health Reimbursement Accounts (HRAs) — an Individual Coverage HRA (ICHRA) and an Excepted Benefit HRA (EBHRA). This could be a significant development for employers sponsoring employee health benefit plans — both […]

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More Pension Lump Sum Cashout De-risking Activity Expected in 2019

Pension plan sponsors looking for significant cash savings and de-risking opportunities have another favorable environment to pull the participants’ lump sum cashout lever this year. But that lever includes several options and considerations. In 2019, the interest rate environment is […]

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Before You Say “Wellness Doesn’t Work,” Consider Best Practices

Does participation in a company’s wellness program lead to improved health behaviors and outcomes? A recent study provides insight, while leaving some questions unanswered. Earlier this week, the Journal of the American Medical Association (JAMA) published the findings from a […]

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Could You Be Sponsoring a Hidden Retiree Medical Plan?

By David Davala, EA, MAAA. Sponsoring a hidden retiree medical plan happens more often than you might think. Having even an informal policy of extending active medical coverage to retirees and charging the “full” active premium or supplementing coverage for […]

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Our Thoughts

Pension Financial Impact of Record Low Treasury Bond Rates

How will defined benefit pension plans fare as a result of the 30-year U.S. Treasury bond rates falling below 2.00% for the first time in U.S. history? This 100 basis point drop from the beginning of the year and the […]

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Employee Owned 2019

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Ohio HR Conference

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