Articles

The workplace is changing rapidly, and employers are having to keep up with the times in order to stay competitive. One of the biggest changes is in employee benefits – what companies offer their workers has changed drastically over the past decade, and it's only...

It makes sense to start investigating a Self-Insured plan when a business reaches that 40 to 50-employee size. It doesn't mean it's the best model for every group. It means that, with that many employees, an employer should undoubtedly look into it. A good insurance...

We are going to let you in on a big secret – your insurance carrier has probably trained you to fear the process. The insurance industry wants to have control, and they want to control the playing field. And, the insurance system has literally stacked the deck against...

Fact: Your Healthcare Costs are controllable! The sad thing about the healthcare insurance industry is that organizations have been led to believe that they can't control costs. As they grow, especially in the middle market with hundreds of employees, businesses have...

The current state of Healthcare  Health Insurance has now become, on average, the second biggest expense for most employers. Business owners have been told for years that large premium increases are ‘just the way it is’, and have been trained to expect very little...

Cogent Advisors is an employee benefits advisory firm. I started Cogent because I realized that there was an epic problem in the employee benefits space - from the standpoint that it's the second or third largest expense for any business regardless of where they are...