"For employers navigating rising costs and evolving employee expectations, the answer is rarely another level of benefits complexity. It's a focus on the fundamentals: budget predictability, plan flexibility, and the ability to align investment with impact. In that context, reclaiming control isn't about resisting change; it's about reasserting ownership in a space where that's been far too difficult to achieve for far too long. And it's for this reason that the defined contribution model -- often implemented through an ICHRA -- is gaining traction."  MORE >>