Sydney Little

Your broker shows up at renewal with a stack of carrier options and a recommendation. You pick one. Premiums go up 8%. You ask why, and the explanation involves trend factors, claims experience, and market conditions — none of which you can verify or act on. Twelve months later, it happens again. The process feels like a ritual, not a strategy. And somewhere in that gap between what your broker does and what a strategic advisor would do, real money disappears. In This Post What is the role...

Every year, mid-sized employers sit across the table from their broker and accept a renewal they don't fully understand. Premiums go up 8, 12, sometimes 18 percent. The explanation is "trend." The alternative presented is a higher deductible. Leadership approves it because there's no time to evaluate anything else, and the cycle repeats. What most of these organizations don't realize is that the renewal number was largely determined six months earlier — by data they never asked for, from a...

Most facilities HR leaders searching for discount solutions for staff end up evaluating the wrong thing. They compare platform feature lists, perks catalogs, and discount portal screenshots — then wonder why utilization stays low, payroll tax exposure keeps climbing, and employees still don't understand what they actually have. The problem isn't the list of benefits. It's the architecture underneath: who designed the plan, how it was communicated, and whether anyone is accountable for what...