Trust Mineral

Benefits brokers are no longer judged solely on plan design or renewal outcomes. Today, employers expect guidance on HR compliance across the entire employee lifecycle, from hiring to termination, across every state they operate in. That shift is not subt

For employers subject to the Affordable Care Act (ACA), staying compliant with reporting requirements is non-negotiable. With 2026 due dates now upon us, it is time to prepare for distributing Forms 1095-C or 1095-B to employees and filing with the IRS. F

Employee training is a critical component of a productive, inclusive, and efficient workforce. Whether you're building a training program from the ground up or refining your current approach, knowing which topics to cover is a crucial first step. In this

An employee handbook is key for setting workplace expectations and staying compliant. Outdated policies can create legal and operational risk. With evolving compliance requirements in the form of new laws and revised regulations, employers need to keep a

The holidays are a time of celebration, but they also bring unique HR compliance challenges for employers. Year-end adjustments in scheduling, PTO carryover, overtime, and workplace conduct can lead to costly mistakes if overlooked. For brokers, this is y

Introduction: Why Open Enrollment Is a Strategic Opportunity Every year, open enrollment kicks off a familiar cycle of plan comparisons, deadlines, and tough renewal conversations. But for brokers who want to stand out, this season represents something bi

Introduction: The Hidden Risk in ACA Reporting For many employers, ACA reporting stress doesn't hit until January, when the scramble begins to gather employee data, reconcile hours, and file forms. But waiting until the new year is a recipe for errors, la

Health insurance costs are climbing at the fastest pace in over a decade. According to Mercer, U.S. employee health insurance premiums are projected to rise 6-9% in 2026, and The Wall Street Journal reports that businesses are facing the steepest increase

"HR is for big companies. We're only 12 people." It's a common refrain and an expensive one. Compliance obligations don't wait until you hit 50, 100, or 500 employees. Many apply from employee #1, and others kick in far earlier than most small businesses

How to position yourself as a trusted ACA compliance advisor For brokers and benefits advisors, Q4 planning doesn't start in October. It starts now. August marks a critical moment in the annual ACA compliance cycle, when employers begin thinking about yea