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Associated Benefits and Risk Consulting - Employee Benefits


Trend Study: MarketPulse 2020

Introducing our 2020 MarketPulse trend report, where we discuss what our clients and other employers are doing to manage risks, promote employee productivity and morale, reduce costs and improve their organizations as a whole. In this year's report, we explore various employee benefit strategies, such as prescription rebates, financial wellness, executive benefits, and non-traditional benefits such as paid parental leave, as well as other trends designed to combat increasing healthcare costs while improving employee engagement and productivity. In addition to a discussion of each trend, you will find supporting materials at

Download the PDF: MarketPulse 2020

A summary of the SECURE Act

As an early holiday present for some, Congress passed (and the President signed into law) two spending bills, one of which contained the provisions for the Setting Every Community Up for Retirement Enhancement Act of 2019 (the “SECURE Act”). The purpose of the SECURE Act, which has been sitting in Congress for months, is to enhance opportunities for people to increase their retirement savings and ease administration of qualified retirement savings plans for employer sponsors. This post will provide an overview of the SECURE Act’s most notable changes to retirement plans and how employers, as well as employees, will be impacted.

Pharmacy spend: Attaining “Goldilocks”

While the mainstream news frequently rings the alarm that the American public is “overprescribed,” employers continue to look for ways to optimize their pharmacy benefit — neither over-emphasizing prescription use nor discouraging employees from this vital benefit, but finding the “just right” approach. As a large provider of health insurance coverage, employers have the opportunity to promote optimal pharmacy use and gain value with various strategies related to health plan design, disease management, workplace wellness, and advocacy programs offered by carriers and vendors.