Don’t Whack the Tobacco Differential Messenger!

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It’s open enrollment season at Frenkel Benefits and, like clockwork, at least one of our client account managers calls me in to work closely with their client on implementing or updating a tobacco differential in their medical plan. It’s a somewhat tricky thing to do, so I’m happy to help. However, inevitably – when we… [Read More]

Soak the Rich, But How?

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There have been a number of trends that have accelerated in recent years in response to unmanageable cost increases and due to regulatory influence. One of the more prominent concepts—historically adopted only by the legal and financial services industries, but increasingly making its way into every board room conversation—is salary banding employee contributions. The idea… [Read More]