Listening to the group before talking insurance http://www.capstonebenefits.com/blog http://www.capstonebenefits.com/page/blog/?id=16http://www.capstonebenefits.com/page/blog/?id=16Simplify Compliance Capstone has identified areas where employers most often struggle in complying with the laws that govern their health and welfare plans.   In response, we have created Compliancedashboard - an interactive online tool that gives employers the compliance information they need, when they need it.    Compliancedashboard not only aggregates compliance information in one convenient location, it provides an administrative process that employers can use to send compliance information, as well as monitor and audit compliance activity. Click here to learn more about how Compliancedashboard can help simplify your compliance obligations.http://www.capstonebenefits.com/page/blog/?id=15http://www.capstonebenefits.com/page/blog/?id=15Minimum Premium = Maximum Benefits1.  Risk Reduction  2.  Financial Rewards 3.  Return on Wellness Investment4.  Low Administrative Costs 5.  Great Service6.  Flexible Plan Designhttp://www.capstonebenefits.com/page/blog/?id=10http://www.capstonebenefits.com/page/blog/?id=10The 7 Principles of Financial DisclosureBorrowing from recommendations contained in the Sarbanes-Oxley Act that mandated greater financial transparency in public company accounting, we believe a broker's financial disclosure and fees should meet the following criteria:Accurate: The fees and commissions charged do, in fact, follow the terms and standards agreed upon.Consistent: Fees and commissions are applied consistently between time periods and projects. Discrepancies should be justified and agreed to ahead of time.Appropriate: Fees and commissions should accurately reflect the prevailing market rate and the underlying economic reality of the organization and its industry.Complete: All significant information needed by the employer to check or perform an audit of the fees and commissions should be made available. Clear and Understandable: Fee and commission information should be presented in a manner that is clear and understandable to the employer.Timing: Fees should be presented both within a reasonable time after they are incurred and on a sufficiently frequent basis.Governance and Enforcement: Adequate policies and disclosure statements should be in place to assure that the agreed upon level of transparency occurs.