Is Your Business Protected From ‘Hidden Risk’?
In today’s highly litigious environment, employers need to be prepared to deal with the risk of lawsuits brought by current or former employees.
Knowledge Center
Providing Employee Benefits through Strategic Partnerships
Summit was brought on as the employee benefit partner for a regional bank to find solutions that would round-out the list of services the...
Case Study Insurance Risk Management
Benefiting from Property and Casualty Insurance
Property and casualty insurance is often an afterthought in the minds of those covered.
Building Security with Life Insurance
Anyone considering life insurance as a way to provide security for their family, their business, or their assets will find that it’s more affordable...
Navigating the Hazardous Intersection of FMLA, ADA and Workers’ Comp During a Leave of Absence
When it comes to HR, navigating “the Bermuda Triangle” of employment law, the place where the Family Medical Leave Act (FMLA), the Americans with...
Options Beyond Your Current Medical Plan
In light of ACA regulations, more companies and their HR departments are considering an alternative to the routine medical plans previously offered. Adopting a...
Managing Pharmacy Costs to Create Savings
As healthcare costs continue to rise, one of the main drivers remains constant across markets: the cost of prescription drugs.
Overcoming Life Insurance Policy and Plan Challenges
Business owners and high-income earners often need financial services well-beyond those offered by the employer’s group insurance plan. For example,
Increasing Employee 401(k) Program Participation
Employer engagement in a company's retirement plan builds employee confidence.
Voluntary Benefits: A Growing Interest Among Employees
Substantial increases in healthcare costs in the past decade have forced employers to make critical decisions about the benefit packages
Privately-Held Companies and Directors & Officer’s Insurance: Why Not?
It is critical that a private company with D&O claims exposure call for a broader risk management effort.
Preparing for Retirement
Preparing your finances for retirement can be an ever-changing process throughout your professional career.
Implementing an HSA Plan for a Nonprofit Client
Working adults in the United States have witnessed the dramatic increase in healthcare costs over the last 10 to 20 years.
Restructuring HR for a County Government
A local county government had been facing recurring issues and concerns about the integrity of their HR Administration. Their experience
Diverging from Professional Employer Organizations
Managing human resources, payroll and benefits for a rapidly growing company can be overwhelming.
ACA Individual Mandate Set to Expire at the End of 2018
Starting January 1st, 2019, people will no longer be penalized by the IRS on their annual taxes for not holding health insurance.
Revisiting a PBM Contract for a Municipality
As pharmaceutical companies conduct new research in the development of prescription drugs, the demand for certain drugs amongst the insured
Hiring the Disabled Isn’t Just About Affirmative Action
Based on recent data from the Bureau of Labor Statistics as of July 2018, our disabled workforce now numbers 15.1 million Americans.
Department of Labor Increases Employer Penalties for 2019
The Department of Labor has increased the 2019 penalty amounts for failing to provide required documentation of employer-sponsored benefit plans.
Health Savings Accounts Fueling Retirement (Part I)
HSAs are beneficial for their triple-tax advantages, transferability, and nearly-timeless lifespan.
Benefits Case Study Human Resources Insurance Life Insurance
Revising Administrative Processes for a Large Multi-State Client
Companies and organizations spread across multiple states and jurisdictions frequently face an increased number of rules and regulations when compared
Benefits Insurance Investments
Health Savings Accounts Fueling Retirement Part II: Using Your HSA
Whether you’re a saver, spender, or investor, there is an HSA contribution strategy that fits your needs.
3 Ways Small Businesses Can Prepare for Spring Storm Season
Across the Midwest and Southeast, communities must always brace for severe weather from hail to tornadoes when Springtime rolls around. For many small businesses,...
Beware, the Copyright Robots are Here: Copyright Claims on the Rise in 2019
With just a few quick tips, you can avoid costly demands and litigation related to simply posting images on your site.
Make Your Business Digitally Resilient from Cyber Breach Attacks
Cyber liability coverage is a necessity in today’s world to protect customers and businesses alike
Is it Time to Consider a New Plan Design?
Cash balance plans are especially suited for self-employed or small business owners with high incomes.
Should You Include ESG Funds in Your Retirement Plan? Maybe, Maybe Not.
ESG, or environmental, social and governance funds, can be appealing to many investors, including millennials.
Benefits Insurance Investments
Health Savings Accounts Fueling Retirement Part III: Long-Term Focus
HSAs have become an important part of the healthcare and retirement picture for millions of Americans as employees and employers continue to realize their...
When and How You Can Enroll in Medicare
The staggering number of people entering Medicare each day (10,000+) has us eager to share some detailed information that could
How to Think About Financial Wellness ROI
Financial wellness is a hot topic in boardrooms these days, but to sell your company’s leaders on a program, you’ll need to talk numbers.
Plan Fiduciaries, Do you Need Support?
Teamwork makes the retirement dream work. Should you have a retirement plan committee in your workplace?
Boost plan participants confidence! 4 forward thinking tips for retirement outlook
As many employees look ahead to retirement, 47% of workers feel somewhat confident that they’ll have enough money saved to retire on time and...
Benefits Case Study Human Resources Insurance
ACA Reporting and Handling Compliance Changes
Summit recently began working with a multi-site automotive retailer in the Midwest who needed assistance in the ACA reporting of all full-time employees at...
Building a Better Retirement Benefit: Consider Adopting Auto Features
Two great reasons for small business 401(k) plan sponsors to consider upgrading their current plan design to include auto features: employee participation and savings...
What’s in your Fiduciary File?
If the Department of Labor were to ever knock on your door, we want you to be prepared! Applying the
Health Savings Accounts Fueling Retirement Part IV: A Parallel Approach
By combining savings from an HSA and traditional retirement vehicles, Americans will be better prepared for healthcare expenses incurred during their retirement years.
5 Plan Design Features for Retirement Readiness
Successful financial wellness programs help employees feel in control and on track in their financial lives.
Retirement Plan Committee Best practices for 401(k) investments on the Watch List
Our 401(k) Investments are on the Watchlist. Now What? Approach, review, document, and decide As a member of your company’s
Lawsuits Over the Years and What it Means for Plan Sponsors
Formation of Lawsuit Trends The barrage of excessive fee lawsuits filed in 2006 started a trend that continues to this
Quick Money Saving Tips when Using your Health Insurance
Preventive Care Getting your preventive check-ups (physicals, Well Woman Exams, PSA tests, Mammograms, dental exams, and eye exams) are crucial
Employee Advocacy in Group Healthcare Plans
Todd Rolland and Kyle Minick were recent guests on the radio show “In the Know” on KEXB 620 AM, Dallas-Fort
10 Important Types of Questions to ask your Doctor
Much of wasteful healthcare spending in the United States can be attributed to people failing to understand their insurance coverage,
Human Resources Risk Management
3 Quick Tips on Developing a Return to Work Program
The overall goals of a Return to Work Program are to lower costs related to employee injuries, keep injured employees engaged, and lower the...
Effective Governance May Lead to Better Retirement Plans
Risky Business: Why Plan Governance Matters Participant-driven lawsuits are on the rise, and employers are facing heightened scrutiny of the
Escalating Pharmacy Costs and Carving out the Pharmacy Benefit Program
This case represents how a deeper pharmacy analysis and considering carving out the pharmacy benefit to an alternate provider can produce significant savings and...
Key Steps Retirement Committees Can Take to Boost Their Cybersecurity Protections
Key steps that you and your retirement plan committee can take to boost your cybersecurity protections
3 Emerging Cyber Risks Which Could Directly Impact Your Business
With cyber-crimes being an hourly occurrence, the time is now for businesses of all sizes to take this threat seriously and evaluate current cybersecurity...
How Data Analytics Can Help You Make Retirement Plan Decisions
If you’re not using data analytics to help you make progress toward improving participant outcomes, then you could be missing out on a key...
SECURE Act and What 401(k) Plan Sponsors Need to Know
On 23 December, one of the largest changing legislative acts to impact America’s retirement system was signed into effect. The
What Job Benefits are Millennials Looking for?
Listen to Kyle Minick, Employee Benefits, discuss “What job benefits are millennials looking for?” from 1080 KRLD Dallas radio show.
Preventive Care and Your Health Care Costs
If you’re not going to your annual health checkup or physical, you may be missing out on potential health care
Tax Saver’s Credit: You Could Get Paid to Save for Retirement
Many Americans are not aware that they may be eligible for the Tax Saver’s Credit! You may be able to
Benefit Manager Checklist
Between busy seasons and the never-ending to-do lists, it is easy to miss simple steps that can quickly become costly
Benefits Insurance Investments Video
WEBINAR From Uncertainty to Insight: COVID-19 Employer Implications On Health & Retirement Thursday, April 2
Todd Rolland and Brandon Long are not affiliated with Cetera Advisor Networks LLC.
Benefits Human Resources Investments Video
WEBINAR From Uncertainty to Insight: COVID-19 Employer Implications On Health & Retirement (Part Two) Thursday, April 9
Todd Rolland and Kirk Turner are not affiliated with Cetera Advisor Networks LLC.
Benefits Human Resources Investments Video
WEBINAR From Uncertainty to Insight: SBA Disaster Loan Program & PPP (Part 3) Thursday, April 16
Todd Rolland and Sean Kouplen is not affiliated with Cetera Advisor Networks LLC.
Workers Unprepared for Working from Home Raise Worker’s Comp Issues
A special study conducted by Global Workplace analytics found that there has been a major and steady upward trend in
Benefits Human Resources Investments Video
WEBINAR From Uncertainty to Insight: Tax Implications (Part 4)
Todd Rolland and Angie Tye are not affiliated with Cetera Advisor Networks LLC.
Benefits Human Resources Investments Video
WEBINAR: From Uncertainty to Insight: Return to Work (Part 5)
Gracen Johnsen is not affiliated with Cetera Advisor Networks LLC.
WEBINAR: From Uncertainty to Insight: A Regional View from TX, OK Business Leaders (Part 6)
Chad Warmington and Jeff Moseley are not affiliated with Cetera Advisor Networks LLC.
Is your retirement plan getting the support it needs during this pandemic?
If you’re having difficulty with all of the changes and to-dos regarding COVID-19 and how you manage your plan, you’re
Update: The State of Insure Oklahoma and Medicare Expansion
Todd Rolland is not affiliated with Cetera Advisor Networks LLC.
403(b) Plan Update – Is Your Plan Compliant?
For the first time, the Internal Revenue Service (IRS) has pre-approved prototype plan documents for 403(b) retirement plans. The plan
Coronavirus and Retirement Savings: Lessons to Help Mitigate Long-Term Retirement Savings Mistakes
It’s easy to say “stay calm” but harder to actually walk the walk. Keeping emotions out of investment strategies can
5 Ways Total Rewards Can Help Recruit Top Talent
A good total rewards program helps you attract and retain the best possible talent for your organization. Add a great
Pros and Cons of Taking Coronavirus-Related Distributions from Retirement Saving
The COVID-19 pandemic has undoubtedly shaken our economy to the core. Many businesses have struggled to keep their doors open
4 Qualified Plan Tax Advantages for Employers
By choosing to offer your employees a 401(k) plan, you’re sending a powerful message — that you’re invested in their
Four Ways to Help Reduce Financial Stress for Your Employees
Employee financial stress is a hot topic. So much so, that nearly 60% of employees cite finances as their primary
WEBINAR Q3: Safety Nets for Retirement
Ken Parrish is not affiliated or registered with Cetera Advisor Networks LLC. Any information provided by Ken Parrish is
Should You Add an Automatic Safe Harbor IRA to Your Plan?
High employee turnover could lead to a rise in small 401(k) accounts. Explore how adding a Safe Harbor IRA provision
How Can Our 401(k) Plan Help Us Attract and Retain Star Employees?
With thoughtful design features, you can structure a 401(k) plan that stands out in a time of talent scarcity and
SECURE Act 2.0: What 401(k) Managers Need to Know for 2024
Required for 2024 Luckily, the required changes for 2024 are minimal. Requirement Summary Long-term, part-time employees become eligible to participate
WEBINAR Q2: Strategies to Protect Your SELF (Social Security, Expenses, Longevity, and Finances)
Michelle Alva is not affiliated or registered with Cetera Advisor Networks LLC. Any information provided by Michelle Alva is in no way related to Cetera
4 Ways to Create a Culture of Wellness
Creating a culture of wellness in the workplace is a trend that’s catching on with employers across the country. A
Financial Education on Company Time
Financially stressed employees may be costing you more than you think. Not only do financial issues affect employee productivity, they
Financial Stress Has More Impact on Your Company Than You Think
In today’s economy, financial stress is having a profound impact on working Americans. Stressed employees are feeling the pinch; this
Fiduciary Best Practices: Why Investment Oversight is Important for 401(k) Committees
Selecting and monitoring investment options for your company’s retirement plan is just one part of your fiduciary responsibility. How do
Why Plan Fiduciaries Need to Pay Careful Attention to Retirement Plan Fees
Competitive benchmarking is a way to measure and compare fees associated with running your retirement plan. Explore the most frequently
Defining Workplace Goals is a Vital First Step to an Effective Retirement Plan
Retirement plans can be as unique as your company and its employees. Yet many committees do not take the time
Secure Act 2.0
With over 92 different retirement plan provisions, it’s a lot to unpack – but we did it! This new legislation
2023 Contribution Limits
The following limits are going up for 2023: Maximum contributions for 401(k), 403(b) and 457 increases to $22,500 The annual
8 Credit Building Tips for the Modern American
Credit is your financial reputation. It shows financial organizations how reliable you are when re-paying money or following through with
4 Simple Steps to Help Understand the Transition to a New 401(k) Provider
Learn what to expect when changing recordkeepers to avoid unpleasant surprises. Change can be exciting but is sometimes stressful. However,
Build a 401(k) Dream Team with the Power of Partnership
Leverage service providers to help your 401(k) plan run more smoothly. As a retirement plan sponsor, you are a valuable
7 Employer Considerations for a Rewarding Workplace Retirement Plan
Do you want to get the most out of your retirement plan? A plan should benefit both the employer and
5 Financial Wellness Tips Your Employees Will Thank You For
A financial wellness program can be an extremely valuable benefit, learn how it can help employees reduce stress while improving
WEBINAR A Look Behind the Counter: Can Employers Really Control Prescription Cost? Thursday, July 21st
It seems that prescription costs are always rising, but for self-funded employers there is rarely a satisfying explanation for these
Dollar Cost Averaging
Dollar-cost averaging will not guarantee a profit or protect you from loss, but may reduce your average cost per share
SECURE Act Tax Credits & 401(k) Plan Features
Don’t Miss Out: SECURE Act Tax Credits & 401(k) Plan Features The most comprehensive pension reform in 20 years, the
5 Ways Business Owners Can Optimize Retirement Savings
Key strategies to help employers maximize savings and minimize taxes As a business owner, you have the ability to
What are the Benefits of Fiduciary Review
Help keep your retirement plan operating properly with a comprehensive fiduciary review, including performance benchmarking, error correction and suggestions for
What is a Recession?
How has the economy affected your life recently? Everyone, and I mean everyone, worries about it at some point, especially
Four Ways to Help Reduce Financial Stress for Your Employees
Employee financial stress is a hot topic. So much so, that nearly 60% of employees cite finances as their primary
How Could Inflation Impact Corporate Retirement Plans?
How Could Inflation Impact Corporate Retirement Plans? Increasing prices may put pressure on employers and delay workers from retiring
Total Rewards Programs Key to Recruiting, Retaining Top Talent
Total Rewards Programs Key to Recruiting & Retaining Top Talent Total rewards programs are a vital part of workplace
Retirement Savings and Inflation- Video
70% of employees believe that inflation may be the biggest barrier to their savings success. This can follow them into
Q1: Workplace Financial Wellness – Webinar
We know the current financial landscape creates roadblocks to reaching your financial goals. Watch the video below as we look
How to Prepare for a 401(k) Audit
If the term ”audit” makes you uncomfortable, anxious or even scared, you are not alone. Last year, the Department of
Do ESGs Fit Into Our Retirement Plan?
The value-driven workplace and its implications for retirement plans Your workplace may be evolving in many facets, from remote options
The Tale of Two Economies
More than a year into the COVID-19 pandemic, there are signs of recovery in the U.S. Millions of vaccines have
Live your Best Life: Now and In Retirement
Americans are living longer than ever before. Life expectancy is now at 79 years old, and many employees will need
2022 Contribution Limits
The new Retirement Plan Contribution Limits are official! The following limits are going up for 2022: Maximum contributions for 401(k),
You Can’t Talk About That at Work: Tackling Financial FAQs
Talking about money is tricky, especially at work. While it may seem too personal for work and easier to avoid
Year-End Wrap-Up
With Cycle 3 deadlines fast approaching, now is a great time to review your retirement plan. Measuring your retirement plan’s data
Family Matters: Understanding Family Medical Leave
This session provides you with information about the concern Employers have regarding workplace productivity and their focus on managing employee
Do You Want to Be Taxed Now or Later?
Are you getting the most bang for your buck? Taxes are inevitable but you have a choice as to when
CARES Act Aftermath: What Plan Sponsors Need to Do
The CARES Act gave plan participants quick access to funds during the COVID crisis, although only about 6% of participants
SEPs, MEPs and PEPs – What’s the Difference?
Just ask anyone: Uncle Sam and the retirement industry love acronyms. Another was added in December 2020—PEP—which conveniently rhymes with
The Perfect Time to Review Your Retirement Plan Design is Now
For the millions of business owners that offer a workplace retirement plan, the COVID-19 pandemic created many financial difficulties. However,
Questionnaire: Do You Know the Different Types of Workplace Retirement Plans?
Help your employees save with a plan that fits your unique organization! Each type of retirement plan comes with its
20 Questions to Benchmark Your Retirement Plan
When was the last time you reviewed your retirement plan – 5 years ago, 3 years ago? If it has
2021 ERISA Updates: What Employers Should Be Prepared For
If navigating a worldwide pandemic weren’t enough, the world of employee benefits continues to throw curve balls at employers and
Live Well, Work Well
Live Well Work Well Newsletter
DEI Best Practices and Implementation
DEI Best Practices and Implementation, featuring our guests from the Oklahoma Center for Community and Justice (OCCJ), Switchgear and GableGotwals
A Better Health Plan for Oklahoma’s Teachers
Todd Rolland, President of Summit, Eric Wright, former Vice Chairman for HealthChoice and Frank Wilson, former Executive Director of HealthChoice,
The New Benefits Landscape: What is Coming
Summit’s Todd Rolland and Kaci Skidgel, and McAfee & Taft’s Brandon Long host The New Benefits Landscape: What is Coming
Normalizing Retirement Savings Habits
Many American workers struggled financially before the COVID-19 pandemic. Therefore, it isn’t surprising that this crisis could greatly hinder their
5 Reasons to Rethink Financial Wellness
Employees are worried about their finances. They worry about them in the evenings, on weekends and during working hours. Plus,
3 Ways to Confront Your Financial Fears
Help your employees take control of their finances and give their savings a boost for a better future!
Stop Retirement Savings Setbacks
The global pandemic has had a staggering effect on the economic lives of millions, driving them to actions that could
A CFOs Guide to Financial Wellness
When employees are financially stressed, they spend three or more hours a week – approximately 150 hours per year –
Deep Dive: American Rescue Plan Act
In this session Summit partnered with BKD and we discuss the recent law signed by President Biden, the American Rescue
How to Make the Most of Your Annual Retirement Plan Review
Retirement plans are complex and have many moving parts; as such, many plan sponsors create retirement plan committees to help keep them
2021 Health Plans Compliance Deadlines
2021 Health Plan Compliance Deadlines
New Infographic: Tips for Wellness in the Colder Months
Participant Infographic – Three Pillars of Wellness
Fidelity Bond Requirements for Plan Sponsors
Fidelity Bond Requirements
Think Green: Have you considered 401(k) e-disclosures?
Anyone who has received stacks of mailed booklets, leaflets or other paper 401(k) disclosure materials might be cheering about the
2021 Compliance Calendar
2021 Compliance Calendar
How to Maximize Employee Engagement Within Your Benefits Package
Employers spend countless hours and resources building the best employee benefits offering for their population, yet many times, this goes
Wealthies Circle Podcast: Cetera’s 401(k) Fee-for-Service Advice Program
Cetera’s Jon Anderson and Summit’s Kaci Skidgel discuss how the firm’s new 401(k) Fee-for-Service Advice Program enhances the client-advisor relationship.
Benefits Investments Life Insurance Video
Webinar: Anticipating the Unexpected
Karen Drancik is not affiliated with Cetera Advisor Networks LLC.
Time to Check Your Benefits: Work with a Professional on a Pre-Retirement Financial Wellness Assessment
With so many decisions to make this time of year about your employee benefits, it’s an opportune moment to think
Keeping Your Business Alive Through Planning
Business continuation planning essentially involves active planning and engagement to derive the most value from your business whenever you, as
Benefits Human Resources Video
Webinar: FMLA: How Can I Support My Organization?
Richard Hardin, Gracen Johnsen & Todd Rolland are not affiliated with Cetera Advisor Networks LLC.
Staying the Course through Volatile Markets
Turbulent times can bring turbulent markets. Many factors cause chaotic swings in the investing world including housing bubbles, political elections,
Keep Your Retirement Plan in Good Health- Review and Update Documents Annually
You likely recognize the importance of seeing your doctor for an annual physical to keep your health in tip-top shape,
Webinar: Pandemics, Politics & Presidential Election: Investing in 2020
Gene Goldman is not affiliated with Cetera Advisor Networks LLC.
Virtually Seamless Open Enrollment
Just as the COVID-19 pandemic may be changing what benefits employees need, the traditional open enrollment process is also evolving
Insurance Life Insurance Video
Webinar: Keeping Your Business Alive
Wendall Stallings and Rick Christy are not affiliated with Cetera Advisor Networks LLC.