"Your objective is to control costs, yet a reduction in your costs (premiums) lowers your broker's commission income.... [And] your costs increase each year in proportion to your rate increases. Commissions also grow as your company grows. In contrast, consultant fees do not rise in tandem with your premiums or number of employees.... Most brokers will assist their clients in complying with ACA regulations, but will not take the extra step of determining the best options for an individual company."