70% of SMBs renew their employee benefit plans on January 1st, and every year a multitude of employers wait until they receive an unsatisfactory renewal in mid-October before they begin to look at other options. Your broker/consultant/carriers/TPA are not miracle workers and not much can be done to have a meaningful impact that late in the game for 1/1. Here is your reminder that if you have changes in mind or want to explore your options, now is the time to make that phone call while there is still enough time to direct meaningful changes that will drive towards your goals and desired future state. #hr #employeebenefits #cfo #healthbenefits #cbizcanhelp