Strategic planning is the foundation of a well managed employee benefit program.

• Are you "shopping" your insurance plans every year just hoping to find a better deal?
• Do you have a goal for your plans - even if it's a simple one?
• Do you know where you costs and contributions are compared to other industries like yours?
• Are your employees aware of your game plan?
• Do you have any idea of where you'd like for your program to be in 3 years?
• Are you setting the pieces in place this year to get to where you want to be in 3 years?

If you answered "yes" to all but the first question, consider yourself to be in a very small minority - a company that actually has a plan and treats their insurance like the integral part of their business it is.