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Category: Benefits

Employer health plan strategy, benefits design, healthcare spending, and outcomes for employees and their families.

The Question You Didn’t Ask. Welcome To Issue #61

The Question You Didn’t Ask. Welcome To Issue #61

February 2, 2026February 2, 2026 Steve Ditto

The Question You Didn't Ask What The Voluntary Benefits Lawsuits Reveal Executive Brief The Schlichter voluntary benefits lawsuits filed in December expose a two-part failure most…

Post read time 6 min read
13 Years as a Defendant. Welcome To Issue #60

13 Years as a Defendant. Welcome To Issue #60

January 26, 2026January 26, 2026 Steve Ditto

13 Years as a Defendant How One Recommendation Led To A $105 Million Lesson Executive Brief Thirteen years is a long time to be a defendant.…

Post read time 5 min read
Voluntary Benefits. Involuntary Liability. Issue #59

Voluntary Benefits. Involuntary Liability. Issue #59

January 19, 2026January 19, 2026 Steve Ditto

Voluntary Benefits. Involuntary Liability The ERISA Trap 80% of Employers Have Already Triggered Executive Brief In a recent Health Rosetta webinar on the Schlichter Bogard lawsuits,…

Post read time 7 min read
The Governance Reckoning. Issue #58

The Governance Reckoning. Issue #58

January 12, 2026January 12, 2026 Steve Ditto

The Governance Reckoning What Schlichter Lawsuits Mean for Health Plan Fiduciaries Executive Brief Last week, the Schlichter Bogard law firm, the same plaintiffs' attorneys who transformed…

Post read time 3 min read
The Year Fiduciary Risk Came Home

The Year Fiduciary Risk Came Home

January 5, 2026January 5, 2026 Steve Ditto

The Year Fiduciary Risk Came Home Why Healthcare Just Entered Its 401(k) Moment Most years begin with predictions.This one begins with confirmation. For nearly a decade,…

Post read time 4 min read
A New Year Reset for Fiduciaries

A New Year Reset for Fiduciaries

December 29, 2025December 29, 2025 Steve Ditto

A New Year Reset for Fiduciaries Clarity Isn’t Coming. It’s Chosen. A new year doesn’t magically fix what’s broken. January reveals who is willing to keep…

Post read time 3 min read
It’s Hard Out Here for a Fiduciary

It’s Hard Out Here for a Fiduciary

December 22, 2025December 22, 2025 Steve Ditto

It’s Hard Out Here for a Fiduciary Year-End Reality Check Being a fiduciary was never supposed to be easy. But does it need to be this…

Post read time 3 min read
Legal Doesn’t Mean Ethical

Legal Doesn’t Mean Ethical

December 1, 2025December 16, 2025 Steve Ditto

Legal Doesn’t Mean Ethical Fiduciaries Should Know the Difference Executive Brief Let’s say the quiet part out loud:Rebates take money from sick employees and help discount…

Post read time 6 min read
Whose Money Is It, Really?

Whose Money Is It, Really?

November 24, 2025December 16, 2025 Steve Ditto

Whose Money Is It, Really? The Rebate Dilemma Why fiduciaries must confront the conflict no one talks about Executive Brief It's Not About Percentages. It’s About…

Post read time 4 min read
The Rebate Trap

The Rebate Trap

November 17, 2025December 16, 2025 Steve Ditto

The Rebate Trap Why Employers Won’t Let Go And Why Fiduciaries May Not Have a Choice Much Longer Executive Brief Rebates have become the duct tape…

Post read time 5 min read

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