TRADITIONAL OUTBOUND MARKETING vs INBOUND MARKETING - A GRAPHIC COMPARISON!

CHECK OUT THIS LINKED GRAPHIC COMPARING THE ADVANTAGES OF INBOUND MARKETING OVER TRADITIONAL OUTBOUND METHODS!    IT'S TIME TO MAKE THE SHIFT!!  GO TO - IT'S GETTING UGLY!  (www.benefitplace.biz/inbound-graphic.html)

Its time for the Insurance and Benefits Industries to wake-up and begin: 

• Shortening Selling Cycles
• Reducing Marketing Costs 
• Increasing Revenues
• Reaching Their Target Markets Effectively

Potential clients do not appreciate:

• Cold Calls
• Junk Mail
• Unwelcome Visitors
• Call Centers
• Expensive Advertising, etc.

They want to:utilize:

• The Power of the Internet
• Search Engines
• SEO 

to research and find what they need and can afford in the comfort of their Offices and Homes! 

Inbound Marketing efficiently and cost-effectively generates "Qualified Prospects" that knock on the door of those providing Plan, Programs, and Services!  It's time for the Insurance and Benefits Industries to make the shift!  Check out the Graphic! -   IT'S GETTING UGLY!  (www.benefitplace.biz/inbound-graphic.html)

BENEFITPLACE.BIZ & BPTRADESHOW.COM ANNOUNCE A NEW "RISK FREE" PAYMENT PLAN! SEE IF YOU QUALIFY!

Insurance and Benefits Industry Leaders are being selected for an opportunity to take advantage of our Listings and Becoming an Exhibitor on a "Risk Free" Basis!!  Utilize BenefitPace.biz & BPTradeShow.com As Your "Inbound" Marketing Partner   "Only Pay When We Produce"!

WHO - Your Company can be selected for our new "No Risk" Marketing Initiative - You can only Win! WHAT - BenefitPlace.biz and BPTradeShow.com - by popular industry demand - will provide its services on a "Pay For Performance" (PFP) Basis to Select Industry Leaders!  We'll become Your Producer's Top Producer!  Let me explain! HOW - At No Risk to you, we will become a Producing Arm of your "Inbound" Marketing Strategy!  As a Qualified Provider of Plans, Programs and Services you will only pay us when we deliver Paying Clients to your Producers!  It's a Win/Win Opportunity for you to utilize "Inbound Marketing" - The Power of the Internet, Social Media, Search Engines, and SEO! CONTACT: max@benefitplace.biz or Call - 216.577.5579 For More Information - Read On! ............................................................................................................................................ We are selecting Companies for this opportunity because we are convinced we can: Shorten Selling Cycles! Reduce Marketing Costs! Increase Sales and Both Profit! A WINNING COMBINATION FOR THOSE WHO QUALIFY -  We Both Win!  You and BP/BPTS will enjoy significant new revenues through this "Affiliation"!  Paying BP/BPTS will be based on a mutually agreed upon (Fee - Not Commission) - far less than your normal Commissions and Renewals to Brokers, Agents, or Market Reps. WHY THIS NEW MODEL? - While many in the Insurance & Benefits Industries welcomed and embraced our "Inbound" Marketing Strategies, they wanted to "wait and see how we performed before paying"! WE WANT TO OVERCOME HURDLES! - We are selecting several leaders in their market sectors to offer and test a Pay For Performance (PFP) Model.  Quite simply, just like paying a Commission or Fee to a Representative or Salesperson, you will only compensate BP and BPTS when we deliver Paying Clients or Producing Brokers. Should you chose to take advantage of this opportunity we will work with you to set the Fee (not commission)! WHAT IS BENEFITPLACE.BIZ (BP) - BenefitPlace.biz is an Information and Research Center focused on the Insurance and Benefits Industries with Listings of the Providers of Plans, Programs, and Services.  Employers, Employees, Individuals, and Brokers search for and find the Plans, Programs and Services - as well as the Providers - they need utilizing the Internet and Search Engines!  WHAT IS BPTRADESHOW.COM (BPTS)? - BPTradeShow.com is a 24/7/365 virtual trade show for the Insurance and Benefits Industries bringing together Sellers of Plans, Programs, and Services together with Qualified Buyers from the comfort of their offices or homes utilizing the Internet and Search Engines!. HOW DO BP & BPTS WORK TOGETHER TO MAKE SALES? - BP & BPTS are sister websites leveraging the Power of the Internet, Social Media, Search Engines and SEO for the Insurance & Benefits Industries bringing together the Providers of Plans, Programs, and Services with informed - Qualified Buyers. THEY WANT WHAT YOU HAVE! WHAT'S NEXT?  Give me a Call to answer questions and determine if we can  work together! MOVING FORWARD? AGREE - We will agree upon a Fee for our generating a Sale for YOUR COMPANY - 1st year and ongoing - Pay for Performance (PFP). TRACK - We will discuss and determine the best method for "Tracking" the Prospects from their visiting the BP and BPTS websites to the Transaction - Purchasing Your Plan, Program or Service.  If appropriate, we will speak with your technology team. BUILD - We will build your BP Listings and BPTS Exhibit (a URL Sub-Domain) with your assistance in utilizing appropriate Text and Graphics (Videos and/or Avitars can be added at your cost based the outsourced charges without a mark-up). APPROVAL - We will obtain your approval for the BP Listings and BPTS Exhibit. MARKET - BP and BPTS will develop a marketing plan to promote your Plans, Programs , and/or Services for Mutual Benefit and Income! CELEBRATE - We'll Celebrate our marketing and financial success with you! REVIEW - At the end of a one year engagement, working with you we will evaluate the value of or relationship and mutually decide whether to continue on a PFP Basis or provide you an opportunity to convert to a "Flat Fee" based Model. Thank you for reviewing the above!  BP & BPTS look forward to the possibility of working with you in Driving Sales for 2012 and Beyond!  For More Information - Please contact me by Replying, Email, or Calling!               Email - max@benefitplace.biz Call - 216.577.5579.

BENEFITPLACE -- All About Insurance, Benefits & Related Services

BENEFITPLACE -- All About Insurance, Benefits & Related Services

THE SKY IS NOT FALLING! IT'S TIME FOR THE INSURANCE AND BENEFITS INDUSTRIES TO EMBRACE CHANGE!

THE INSURANCE AND BENEFITS INDUSTRIES WILL SURVIVE AND THRIVE! 
Quote - "One who gains strength by overcoming obstacles possesses the only strength which can overcome adversity." – Albert Schweitzer

For the past several years we, BenefitPlace.biz and BPTradeShow.com, have been inundated with a barrage of information promoting  "Doom and Gloom" for the Insurance and Benefits Industries.

In 2010 one reliable source predicted that over 50% of all Health and Life brokers would be out of business within 4 years!

Just today we came across the following by Mike Jackoski - "PandC insurers have had a bad taste of doing business in 2012, and they realize they are dealing with a tough environment—one in which little or no organic customer growth exists to fuel corporate growth. Gaining market share means taking it away from someone else, so the level of competitiveness in the industry is high and will only get more intense."
The Industries - Health and Life, Voluntary/Worksite, Property and Casualty, etc. -  are facing many challenges and uncertainties! These include:

• The ongoing Economic Recession!
• Unemployment and Under-Employment!
• Regulatory Constraints!
• Uncertainty over PPACA / Obamacare!
• Shrinking Commissions and Capitation Payments!
• Insures dealing direct over the internet!
• Increased Costs of Administration and Reporting!
• Uncertainty about Taxation for Individuals and Organizations!
• Political Unrest!

For Clients and Potential Clients all of the above seem to generate a "do nothing for now" attitude.  They are hesitant to invest in these uncertain times - even at their own risk!  Industry  attitudes fuel these doubts!  It is our opinion at BenefitPlace.biz and BPTradeshow.com that the Leaders and Participants in the Insurance and Benefits Industries need to take a more pro-active and positive approach!  The following measures might best serve your Organization, Individuals serving the Insurance and Benefits Markets, and the overall Marketplace:

• Accept - and even embrace - change!  Make the changes work for you!
• Capitalize on the markets and the potential clients that are expanding! 
• Examine a shift to a fee based model!  It worked for the Financial Services Industries!
• Diversify!  Traditional Health and Life Insurers/Brokers and can learn from or join with Voluntary/ Worksite Insurers and Brokers!  P and C firms can leverage their relationships with existing clients to joint venture with the Health and life/Voluntary Worksite Markets. 
• For markets that are new to you, or that require specific expertise, utilize the services of Wholersalers, GAs, and PAs!
• Shift from expensive and often wasteful "Outbound" marketing strategies, ie. Advertising, Buying Lists, Cold Calling, Call Centers, Traditional 3 Day Trade Shows, etc. to "Inbound" Marketing Strategies.
• Leverage the Power of the Internet, Social Media, Search Engines, SEO, etc. as the basis for your "Inbound" Marketing Strategy!   

In my Blog of June 6, 2011 I wrote, "A Rebound in the US Markets - combined with expanding worldwide opportunities, a renewed emphasis on saving, and the preservation of income will open new markets for those in the Insurance and Benefits Industries who remain!  THE UNITED STATES IS, REMAINS, AND WILL CONTINUE TO BE THE BEST PLACE TO LIVE, WORK, OWN A BUSINESS, CREATE A BUSINESS, AND TO PRESERVE EARNED INCOME IN THE WORLD!"  I'll stand by that statement today!

Join our Linkedin Group, Insurance Forum, to participate in Discussions - GO TO - http://linkedin.com/groups?about=&gid=2762200


If you have questions, would like to be a contributor, Email - max@benefitplace.biz or Call - 216.577.5579 

TRADE SHOW MYTHS – FOR THE INSURANCE AND BENEFITS INDUSTRIES

MYTH: Insurance and Benefits related Trade Shows drive sales for their exhibitors commensurate with their expectations and overhead costs.

FACT: The thousands and thousands of dollars that it costs to exhibit at a traditional 3-day trade show, costs including travel, lodging, shipping expenses, dining and entertainment, even lost day-to-day professional duties, are rarely justified with a strong financial ROI.

MYTH: Trade Shows, and your exhibit, deliver prospects who are generally self-qualified and ready to commit to your exhibit staff during the 3-day show.

FACT: Traditional 3-day Trade Shows, including your costly exhibit, generally attracts but a very narrow segment of your target market – therefore, these Trade Shows are able to drive but a small ROI at best. Compare that experience to participating in a ‘Year Round’, 365-Day Internet-Based/Inbound Marketing Trade Show having built-in capabilities of attracting the broadest segment of your self-qualified, ready-to-buy target market.

MYTH: ‘Inbound Marketing’, via the multi-dimensional power of the Internet, cannot be counted on to deliver target market prospects, much less self-qualified people for my sales staff.

FACTS:

• The Internet is used by 85% of Brokers, Employers, Employees, and Individuals for their Insurance and Benefits Research/Selection/Contractual/Purchasing processes.

• Without an 'Inbound Marketing’ Strategy alongside your ‘Outbound Marketing’ Strategies your website is nothing more than a ‘billboard in the dessert’(Hubspot) – searchers on the internet will not find your website without first knowing the name of your company!

• BenefitPlace.biz and BPTradeShow.com were both developed as 24/7 internet Gateways between internet searchers working to fulfill specific risk protection needs and your business sales staff.

HOW DOES BPTRADES.COM WORK?

Just like anyone searching the internet for product information would do, your Target Market prospect(s) begin a product information search - on a search engine such as ‘Google’, by using ‘specific words’ to best describe what it is they are looking for. These ‘keywords’ then drive Google to first list out, then link the searcher directly to BenefitPlace.biz and/or BPTradeShow.com where then your ‘BenefitPlace Listing’ links to your ‘BPTradeShow Exhibit’, which in turn links directly to your Sales Door!

WHAT ARE THE RESULTS?

Qualified prospects research your Plans, Programs, and Services enabling them to make educated determinations as to what best meets their needs. They then contact you through your Website and/or Contact Information. You then have the opportunity to convert their interest(s) into a Client!

CONCLUSIONS:

Value of Traditional Trade Shows.

Traditional 3-day Trade Shows may play an important role in your Overall Marketing Strategy despite their relatively narrow target market audience, very high overhead costs, and questionable ROI.

Value of 24/7 365-Day Virtual Trade Shows.

This new opportunity leverages the combined powers of the Internet, Social Media(s), Search Engines, and SEO, resulting in driving qualified prospects to come ‘knocking at your door’! The ‘new’ marketing norm – ‘Inbound Marketing’, is NOW! It is not merely one’s futuristic concept designed to drives sales.

Remaining Competitive:

Companies that depend exclusively on traditional ‘Outbound Marketing’ including cold calling, mail marketing, traditional 3-day Trade Shows several times per year, etc., will lose significant market share in the next 2-5 years due to competitors utilization of more efficient and effective ‘Inbound Marketing’ strategies.

Your Solution:

While it may take a bit if time to get a strong ROI via a campaign of ‘Inbound Marketing’ utilizing BenefitPlace.biz and BPTradeShow.com, in general, one case sold through these sites will more than cover the combined cost of both your Exhibit and Listing(s). Do not wait! Marketing strategies today are in constant change along with the marketplace! Let BenefitPlace.biz and BPTradeShow.com help you gain a much stronger, more sustained market share by utilizing a dedicated ‘Inbound Marketing’ strategy that leverages the powers of the Internet, Social Media, and Search Engine Optimization (SEO).

YOUR CALL TO ACTION – GET STARTED!

Email: max@benefitplace.biz

Call: 216.577.5579

BenefitPlace.biz and BPTradeShow.com sell space on their marketing websites. They are not in competition with the sale of any insurance and benefits products and/or services.

Currently the Exhibit rates for the 24/7 365-day virtual BPTradeShow.com site have been discounted 50%. They begin now at $2,880 for the entire year and include a ‘free’ BenefitPlace.biz Listing.

                                                                                                            

                                                                                                    Contributed By - Maxine Collin, COO

                                                                                                                               BenefitPlace.biz

                                                                                                                               BPTradeShow.com  

The Insurance and Benefits Industries Can Find Savings and Sales with a New Trade Show Model!

Industry Gurus predict that over 85% of all insurance related contacts and sales will be initiated on the Internet. A traditional three day trade show in a remote city will not deliver them to you! Put your marketing dollars to work 24/7/365!

What if an Insurance and Benefits Industry Trade Show actually delivered you "QUALIFIED PROSPECTS and/or SALES"?  What if there is a 24/7/365 Insurance Industry Trade Show that is based on the Power of the Internet, Social Media, Search Engines, and SEO?  What if  affordable and cost-effective "Inbound Marketing" compared to expensive and wasteful traditional "Outbound Marketing" could drive Qualified Prospect to your Door?   Will they find your competitors first?  Would your company like to Shorten Selling Cycles, Reduce Marketing Costs and Increase Sales?  Start Now! 

Do the Trade Shows where you Exhibit or Attend justify the thousands and thousands of dollars it costs?  Probably not.  Why?  Because these traditional trade shows do NOT hit your target market!  Generally they are for Branding, Seeing your Competitors, Meeting with old Industry Friends, and a Break from Pounding the Pavement! 

Go To www.benefitplace.biz and feature your Company and what differentiates your Plans, Programs, and Services!  Use Videos and Avatars to attract and sell the Trade Show visitors!  Your potential clients find you from the comfort of their office or home!   Put Your Money To Work!  

The Bottom line - BPTradeShow.com will deliver the Targeted Prospect to your door!

Benefitplace.biz Listings start at $150 annually!  The 24/7/365 BPTradeShow.com Exhibits start at $2,880 annually.  BE THERE!  

Contact: max@benefitplace.biz / Call 216.577.5579

NOTE:  Join our Linkedin Group, INSURANCE FORUM, for more Information and Discussions - Go To:     

                                     http://linkedin.com/groups?about=&gid=2762200

UNDERSTANDING, EMBRACING, SELECTING, AND IMPLEMENTING VOLUNTARY/WORKSITE EMPLOYEE BENEFIT PLANS

We at BenefitPlace.biz and BPTradeShow.com would like to get started with a bold statement - All Employee Benefits are becoming Voluntary!  What I mean by this is that while Employer Sponsored Plans remain the main portal for individuals to gain access to Insurance related Plans, Programs, and Services, Individual "Choice" is becoming more prevalent.  Historically there were two types of Employer based Plan Designs that often were not integrated - "Core" and "Voluntary/Worksite Plans"!  To gain integration, cost-savings, and an improved Benefit Design, Employers and Brokers are breaking down these barriers.  To accomplish these changes the following steps are required:     


Understanding
Core Benefits - In the past Employers generally worked with Brokers(s) to design a Plan that was selected and paid for by the Employer, ie. Health Insurance, Term Insurance, Dental and Vision Plans, LTD, ADandD, Term Insurance.  Employees, and their Families, are now being asked to select among a variety of Plans and to contribute a substantial portion of the premium.  Employees are often provided an opportunity to "opt-out" of the plan.
Voluntary/Worksite Plans (once referred to as "Payroll Deducted Plans" - Employers generally worked with Brokers and Agents of specific Insurance Companies to select a "Menu" of Plans to be offered to the Employees on a Voluntary, Payroll Deducted Basis.  The Plans  included: Short Term Disability(STD); Accident; Critical Illness, Cancer, Hospital Income(HI), Life, Dental, Vision, Limited Benefit Health Plans, Pet, Legal, Discount Plans and other Insurance and Non-Insurance based "Choices".  Generally, a limited number of plans were offered the 1st year with additional plans in the following "Enrollment Periods".   

Over the past several years, the distinction between Core and Voluntary/Worksite Plans has been disappearing.  Employers are offering their Employees a "Menu" of choices including both the traditional Core and the Voluntary/Worksite Plans during a specific "Enrollment Period" when they are offered both their Core and Voluntary/Worksite Choices.  In most if not all cases the Employees must contribute to the Premium/Cost of the Plans, Programs, and/or Services.  The Employees contribution may include: 

• Paying a portion or percentage of the Cost
• Paying the full Cost of the Pans, Programs, and/or Services offered
• Utilizing Benefit Dollars/Credits provided by the Employer after which the Employee must pay the remaining cost off the Plans, Programs, and/or Services they select from the "Menu" of Benefit "Choices" - A Defined Contribution (Def Con) Plan.

In addition to the "Core" and Voluntary/Worksite Plans being offered many Employers provide their Employees access to IRSC tax opportunities that create savings for the Employer and the Employee.  These include:

• Section 125 (POP) Plans (pre-taxing the Employees contribution to "Qualified" Plans.
• Medical Reimbursement Accounts (pre-taxing anticipated "Qualified" out-of-pocket expenses.
• Dependent Care Reimbursement Accounts (pre-taxing the cost of "Qualified " dependent child and adult care.
• Transportation Reimbursement Accounts (pre-taxing the cost of "Qualified" transportation and parking expeenses.
• 401(k) and other "Qualified" retirement plans.

For handling the administration of the above "Qualified" Plans, the Employer generally works with a Third Party Administrator (TPA).  The cost of the TPA can either be absorbed by the Employer or passed along to the Employee.

The Employers and their Broker(s) either handle the Education, Communication, Enrollment, and Data Management processes internally or work with a Professional Enrollment Company.  Some of the traditional Voluntary/Worksite Insurers may proviode these services with some limitations.  It is extremely important that the enrollment process is handled on an unbiased basis!  


Embracing
Many Employers and their traditional "Core" benefit Brokers(s) have been slow to Understand and Embrace these changes.  The reasons are fairly simple:

• Comfort Levels - Many traditional "Core" Benefit Brokers are not comfortable with, and do not know, how to evaluate and compare "Voluntary/Worksite " Plans
• The Process - The "Enrollment Process" for traditional "Core" Benefits did not require as great a focus on the Education,  Communication, and Enrollment process as when introducing "Choice".
• Choices - The "Choices" of Plans, Programs, and Services - as well as the number of Carrier/Providers off the traditional Voluntary/Worksite Plans - have increased dramatically.  Many "Branded" Core Benefit Insurers have entered into this lucrative market.  The Employers and their Brokers find it difficult to evaluate what differentiates the Carriers/Providers and their Plans, Programs, and Services.  Old "Spread Sheeting" methodologies often do not apply. 
• Fallacy -Many "Core" Benefit Brokers thought that the introduction of Voluuntary/Worksite Plan "Choices" would diminish their sphere of Influence and Commissions.    
• Fear - Employers and Brokers feared that the Employees did not have the capacity or desire to make educated "Choices" to protect their Individual and Family's well being and "Piece-of-Mind. 
• Misunderstanding - A lack of understanding about the role of TPAs and Enrollment Companies and how they are compensated confused the Employers and Brokers. 

Equally problematic is the fact that most Voluntary/Worksite Brokers:

• Have little experience with "Core" Benefit Plans.
• Have little or no contact with the "Core" Benefit Broker community.
• Prefer separate one-on-one enrollments for their specific Plans.
• Generally represent one specific Insurer/Provider for the Voluntary Worksite Plans.

Time, economics, and demand are changing the above.  As with most change, it takes time for all of the parties to the Benefits Decision-Making Process to be comfortable and to see the advantages.

• Employers - The cost off benefits has become prohibitive as well as the time required to make specific Plan, Program, and Service "Choices" for the Employees!  Shifting the decision-making processes, as well as the cost, to the Employees is becoming more and more attractive.  Many Employers are beginning to recognize that it is cost-effective and efficient to "Empower" Employees to become "Consumers".
• Brokers - With time they are changing!  The lines separating "Core" Benefit and "Voluntary/Worksite" Brokers are breaking down.  As Brokers become more familiar with the alternative Plans and Employers demand the integration of the Plans - combined with the opportunity for Brokers to generate more commissions - the Brokers are embracing the new opportunities to expand their markets and revenues. 
• Employers and Brokers -  The functions of the TPAs and the Enrollment Companies are becoming better understood and appreciated.  Advancements in technology have brought the costs down while the marketing efforts by these sectors of the market have increased.
• Employees - Due to advertising, the internet, and experience the Employees appreciate, want, and at times demand "Choice".  The individuals and their Families embrace the opportunity to select the Plans, Programs, and Services they need and can afford to protect themselves against "Risk" and to enhance their lives.  

Selecting
Employers, working with Broker(s) comfortable with both "Core" and "Voluntary/Worksite" Plans, Programs, and Services, should focus on building a Strategic Benefit Plan that includes:

• Meeting Needs - Evaluating the Employees needs and financial capacities.
• Benefits - Determining the "Best-of-Class" of Plans, Programs, and Services "Choices" - as well as the Carrier/Providers - is imperative.  Note: No matter what they claim - No one Carrier/Provider is the best and most cost-effective for everything!
• TPA - Depending on the Number of Employees, Industry, Number of Locations and Requirements specific to the Plan Design, a TPA should be selected.
• Enrollment - Selecting the Enrollment Company - if outsourced - and the type of Enrollment that is best suited for the Employer's and Employee's convenience and needs: One-on-One, Group Meetings, Internet Based, Call Center Based, or a combination of these methods should be selected
• Employer's Contribution - Determining the Employer's total benefit contribution and how it will be allocated by "Class" of Employees and among the "Plan Choices" is important for "Budgeting".
• Payroll - The Payroll Staff or Payroll Company selected must understand how the Employer's and Employee's Contributions are structured as well as the process for differentiating the Pre-Tax Deductions. 
• Enrollment - Scheduling a time for the Education, Communication, and Enrollment process is critical.  This should be at a time when the Employer, the Employees, and their Families have adequate time to focus on the Benefit Choices.  Holiday Seasons are not the best time!
• Spheres of Influence - Having the Management, Department Leaders, Unions, etc. "Buy-In" to the Benefit Plan is extremely important.  Their support and participation is critical for gaining the confidence and participation of the Employees! 

Implementing 
When all of the above steps are followed by the Employer and the Broker(s), the Education, Communication, and Enrollment Process should be relatively smooth.  Points to keep in mind:

• Information - Materials should be distributed to the Employees explaining the "Plan Design" and differentiating each of the Plans, Programs and/or Services.  An explanation of how various Plans integrate is important and should be provided by the Broker(s).
• Time - Employees need and deserve time to make decisions.
• Beyond the Employee - Families should be included in the decision-making process.
• Changes - Time should be permitted for making changes.
• Documentation - The time between the end of the "Enrollment Period" and the "Effective Date" should be adequate to complete paper work, for data management, and to meet the needs of the Providers.    
• Problem Solving -"Pulse" meetings should be scheduled with the Employer, Broker(s), TPA, Enrollment Company, and other "involved parties" to monitor the progress and solve minor problems before they become major.
• New Eligibility - Enrollment periods for New Hires and anyone with a "Change in Status" should be scheduled.   
• The Pay Day - When the first Pay Check goes out reflecting the Employee's "Benefit Choices", the Broker(s), Enrollment Company, TPA, Payroll, and Insurers should be available to answer the Employee's and their Family's questions and concerns.
• Feed Back - Encourage "Feed Back" from all parties to improve the Plan Design and to gain a "Greater Return on the Employer's and Employee's Invested Benefit Dollars"!

As a Research and Information Center for the Insurance and Benefits Industries,  BenefitPlace.biz would appreciate your input about the above!  Email -- max@benefitplace.biz