The Zemar Podcast

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Businesses rarely stop growing because opportunity disappears. More often, leaders reach the edge of what feels comfortable and discover that the square peg simply will not fit into the round hole.

In this episode, Butch Zemar examines how leaders respond when old methods, rising costs, and changing markets collide. From business growth to employee benefits, the discussion challenges executives to consider whether their organization is EVOLVING with purpose or simply becoming very efficient at staying exactly where it is.

Midway Business Podcast is powered by Elite Benefits of America, helping employers protect resources, empower people, and drive results through smarter employee benefits strategies. Learn more at elitebenefits.net.

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Business leaders are surrounded by data, meetings, and enough KPIs to make almost any dashboard look important. Jon Morris, Founder and CEO of Fiscal Advocate, explains why greater clarity often begins by narrowing the focus to the financial measures that reveal whether a company is truly moving forward.

The conversation explores disciplined execution, trustworthy leadership, difficult decisions, and the value of building a team that does not need the CEO involved in every play. C -Suite leaders will gain a sharper perspective on where their time, money, and attention are going and whether those investments are producing meaningful business results.

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Leadership gets complicated when pressure rises, answers are unclear, and everyone is watching the person in charge. Jim Carlough, leadership coach, healthcare technology sales leader, and author of "The Six Pillars of Effective Leadership," explores what separates a trusted leader from someone who simply holds the title.

This conversation challenges C-Suite leaders to examine how they develop people, guide teams through uncertainty, and prepare for a workplace being reshaped by technology and rising costs. Promoting your top performer without preparing them to lead can create more problems than it solves.

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This episode explores a question every executive eventually faces. Do you build a business on shortcuts or on standards? Drawing from military leadership, business ownership, and real client experiences, Butch Zemar reveals why the decisions nobody sees often shape a company's future. Every company wants better results, but few leaders are willing to change the habits that created today's results.

Whether you lead a growing company or a large organization, this conversation shows why integrity is more than a personal value. It is a business strategy. Renewal planning, leadership, accountability, and decision making all come together in ways that separate companies that grow from those constantly putting out fires. The difference between good companies and great ones often comes down to the standards leaders refuse to compromise.

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Employee benefits continue to rank among the largest business expenses, yet many employers still find themselves asking the same questions every renewal season. In this episode, Butch Zemar, Founder of Elite Benefits of America, shares how more than two decades in the industry have shaped his perspective on rising healthcare costs, employer challenges, and the evolving landscape of employee benefits.

Drawing from his experience as a business owner, Butch shares the leadership mindset that has guided his company, from adapting to change and building effective systems to staying focused on long term results. It is a practical conversation about one of the biggest expenses businesses face and why the way leaders approach it can have a lasting impact on their organization.

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Every business owner wants better results, but few stop long enough to ask whether the real advantage comes from smarter decisions instead of working harder. In this conversation, Jack Oujo, Financial Advisor, Author of “Too Smart to Be an Umpire”, and Founder of Oujo Wealth Strategies, shares how lessons learned under pressure on the baseball field shaped a career leading nearly a billion dollars in assets under management. Sometimes the biggest challenge in business is realizing your calendar has been making executive decisions without your permission.

From leadership and culture to client experience, hiring, planning, and preparing for uncertainty, this episode explores what separates businesses that continue to grow from those constantly reacting. If you lead a company and believe better judgment creates better outcomes, this conversation delivers practical perspectives that every executive can appreciate without pretending business success comes from luck.

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This episode challenges one of the biggest myths in business that there is a faster, easier path to success. Through stories from running a 50 mile ultramarathon and building a growing company, the conversation explores why so many leaders spend years chasing shortcuts that quietly cost them more time, money, and opportunity. Sometimes the biggest obstacle to growth is not the market. It is the person signing the checks.

Whether you lead 5 employees or 5,000, this discussion uncovers why companies repeat the same patterns, why consultants often see problems owners cannot, and why doing the right work beats doing more work. Your business may not need another quick fix. . . it may just need a leader willing to stop arguing with the mirror.

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Tori DaCosta, Founder of Journey Stone LLC and author of “No Name Bastard: How Our Lives Teach Us What We Can Control, Manage, and Influence”, joins Midway Business Podcast for a conversation that every business leader eventually needs to have. Growth is not always limited by strategy or market conditions. Sometimes the biggest obstacle is sitting in the corner office. The good news is your toughest employee might also be your easiest one to coach.

This episode explores why leadership starts long before the boardroom, how today's business environment is reshaping the way leaders connect with their teams, and why the businesses that continue to grow are often led by people willing to grow first. If you are looking to strengthen culture, improve decision making, and prepare your organization for what comes next, this conversation offers a fresh perspective that belongs on every executive's playlist.

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Every leader says they need more time, yet somehow the calendar keeps winning. This episode explores why growth often stalls long before revenue does, and why the real bottleneck may not be your workload at all. If your desk has become the company headquarters for every decision, this conversation might feel surprisingly familiar.

Guest Rachel Davila, Founder of Extra Hands Virtual Assistance, shares why successful delegation is about far more than handing off tasks. She explains how the right support system can help leaders think bigger, build smarter operations, and create room for the work that actually moves the business forward. Sometimes the biggest promotion a CEO can give themselves is removing their name from their own to do list.

To contact Rachael Davila with Extra Hands! Virtual Assistance: rachael@extrahandsva.com or extrahandsva.com

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Every business runs into obstacles. The difference is that some leaders see resistance as a stop sign while others treat it like another item on Monday's agenda. From sales and entrepreneurship to leadership and even dealing with insurance claims, this conversation explores why so many people settle for just enough while others keep pushing until they find a way through.

If your company has ever lowered the bar because the challenge felt too BIG, this episode will make you think twice. Sometimes the biggest competitor is not another company. It is the voice in your head saying, "Good enough." Because businesses rarely lose overnight. They lose one small excuse at a time.

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This episode of the Midway Business Podcast features Keith Lewis, Founder of VeraSpark and author of, “Sparking Your Inner Leader.” Drawing from an unusual journey that includes time as both Willie the Wildcat and Benny the Bull, Keith shares leadership insights shaped by decades of coaching executives, teams, and organizations. The conversation explores how leaders influence culture, navigate change, and why self awareness may be more important than many leaders realize.

For executives trying to lead through economic uncertainty, AI disruption, talent challenges, and growing performance pressure, this discussion offers a fresh perspective. It raises an interesting question: are leaders spending too much time reacting to problems and not enough time shaping what they actually want to create? Because despite all the new technology, market shifts, and leadership books, most organizations still discover that the hardest person to lead is often the one staring back from the mirror.

To contact Keith Lewis with VeraSpark: 512-784-2288 or keith@veraspark.com.

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Most leaders spend years chasing growth, hitting targets, and building successful companies, only to realize they are winning the game but not necessarily enjoying it. In this episode, Thomas Edwards Jr., Business and Life Coach and author of The One Up Effect: Gamify Your Life to Win and Have Fun Playing, explores what business leaders can learn from gaming, performance psychology, and human behavior to create stronger cultures, better engagement, and more meaningful success.

The conversation dives into leadership, trust, workplace culture, and why some organizations level up while others keep getting stuck on the same stage year after year. For executives navigating growth, change, and employee motivation, this episode offers a different way to think about business, fulfillment, and building a company where people are excited to keep playing the game.

To contact Thomas Edwards Jr. with The 1up Effect: https://www.linkedin.com/in/thethomasedwardsjr/ or thomasejr@gmail.com

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When things are going well, leadership is easy to talk about. The real lessons show up when pressure rises and decisions carry lasting consequences. Guest Jay Jacobson shares lessons from decades of leadership, mentorship, and helping people navigate difficult situations. Drawing from the principles in his book, Lead by Legendary Example, he explores why so many organizations struggle with communication, trust, culture, and leadership development today.

For business leaders, this episode is a reminder that the biggest challenges rarely show up on a spreadsheet. From retaining talent and managing generational shifts to building stronger cultures, this conversation highlights the leadership habits that help organizations adapt, earn trust, and create workplaces people actually want to be part of.

To contact Jay Jacobson with Professional Staffing, LLC: https://www.linkedin.com/in/jayscookies or jujacobson@gmail.com

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This episode of the Midway Business Podcast features Josh Lifrak, author of Win Today: Six Steps to Mental Resilience, Peak Performance, and a Thriving Life, sharing front line insights from working with elite athletes and business leaders. He also takes listeners inside the mindset shifts that helped transform the Chicago Cubs during their championship run. The conversation digs into leadership, culture, mindset, and why so many companies lose momentum once pressure starts showing up.

For leaders trying to navigate uncertainty, remote work, anxiety, and teams running on fumes, this episode delivers a reality check. It exposes why some companies build cultures that thrive under pressure while others keep running in circles through endless meetings, chasing clarity, and trying to make sense of metrics that somehow change every week. The leaders who create connection, simplicity, and accountability before things break are the ones staying ahead while everyone else keeps scheduling another “quick meeting” to figure out what happened.

To contact Josh Lifrak reach out to him on LinkedIn.

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This episode takes a hard look at why so many companies treat one of their largest expenses alongside payroll and taxes like an afterthought until renewal season shows up with another painful surprise. It challenges the idea that healthcare costs are “just the market” and why leadership and strategy matter more than most executives want to admit.

The conversation also explores why smart companies are rethinking traditional insurance models, challenging rising pharmacy costs, and refusing to accept renewal increases like bad weather reports. For leaders trying to grow revenue while healthcare expenses quietly eat away at margins, this episode opens up a conversation most boardrooms avoid until the panic emails start flying across the company.

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Most leaders think growth comes from better strategy, but this episode with Zack Zebrowski from Microsoft shows where things actually start breaking down. When roles blur, communication slips, and teams get stretched too thin, even strong ideas lose momentum. The conversation pulls back the curtain on how execution really works when deadlines are tight, priorities shift fast, and decisions are not nearly as polished as they look in leadership meetings.

It also dives into a tension most companies are dealing with right now. Everyone wants more output, faster launches, and bigger results, but fewer leaders want to talk about the strain sitting underneath it all. The companies creating clarity, building trust, and keeping teams moving without burning people out are the ones staying ahead while everyone else keeps holding another “quick alignment meeting” that somehow eats up the entire afternoon.

To contact Zack Zebrowski with Microsoft: ‭708-528-9197 ‬or https://www.linkedin.com/in/zackzebrowski/

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Every leader says they trust their team until something goes sideways and suddenly everyone is back in the weeds. In this episode, John Eby from Toledo Integrated Systems joins the conversation to dig into the gap between what leaders say and how they actually operate when pressure shows up. The discussion challenges the idea that control creates results and instead explores why trust, honest conversations, and giving teams ownership is what keeps companies moving when things get difficult.

At the same time, the episode calls out the reality most leaders are quietly dealing with right now. The workforce has changed, expectations have shifted, and the old leadership playbook is getting exposed fast. Companies that balance accountability with flexibility and keep Customer Experience human continue to pull ahead while others sit through another meeting wondering why employees disengage and customers slowly disappear.

To contact John Eby with Toledo Integrated Systems: ‭419-867-4170 x274‬ or jeby@ttoledo.com, www.ttoledo.com

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Every company says they want better performance, but most are just running cleaner versions of the same habits that got them stuck in the first place. Good habits can build momentum, but they can also box you in when the business outgrows them. Bad habits are easier to spot, but just as easy to ignore when they have been part of the routine for years. Either way, once something feels normal, it becomes invisible, and that is where most leaders lose control without realizing it.

This episode cuts into that blind spot. It shows how the same pattern that drives discipline and consistency can also limit growth if it goes unchallenged. The real tension is not knowing what is right or wrong. It is recognizing that both good and bad habits will run your business on autopilot if you let them. The leaders who win are the ones willing to question what feels normal before it starts costing them.

For more information about Midway Business Podcast, please contact us at 708-535-3006, butch@elitebenefits.net

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Most companies think their employee benefits problems start when the costs show up. They don’t. They start months earlier when NOBODY owns the process, decisions get pushed off, and everyone assumes they will deal with it later. Then suddenly it is crunch time, options shrink, and leadership is forced to approve decisions they don’t fully understand. If that sounds familiar, it should.

This episode calls out what’s quietly failing and why SMART companies keep running the same expensive play every year. Working harder at renewal time is not the fix. It challenges how delegation actually works inside leadership teams, exposes how pressure destroys decision quality, and forces a question most executives avoid: Is your process built to produce outcomes or just to get through another year?

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Most companies are not struggling because of the market, they are struggling because they confuse effort with progress. This conversation challenges how businesses drift into chaos as they grow, where teams stay busy, decisions get fragmented, and leaders unknowingly create the very bottlenecks they are trying to solve.

It also forces a harder look at how ownership, accountability, and strategy actually show up inside an organization. When the wrong people are driving decisions and the right ones stay on the sidelines, the outcome is predictable. The real question is whether your business is built on a system that produces results, or just a collection of activity that looks productive on the surface.

For more information about Midway Business Podcast, please contact us at 708-535-3006, butch@elitebenefits.net.

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Most companies think they have communication problems, but what they really have is a system problem wearing a communication costume. This conversation digs into how information gets buried under meetings, messages, and assumptions while teams stay busy trying to fix things that should not have been broken in the first place. It challenges how organizations rely on memory, noise, and good intentions instead of building a structure that actually keeps people aligned and moving.

It also takes a closer look at how roles, ownership, and accountability quietly determine whether communication works or fails. When everyone is talking but no one truly owns anything, the outcome is inevitable. Missed details, duplicated work, and frustration that somehow turns into more meetings. The real question is whether your organization is designed to communicate clearly, or just hoping it all lands in the right place at the right time.

For more information about Midway Business Podcast, please contact us at 708-535-3006, butch@elitebenefits.net.

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Many professionals spend entire days working hard only to discover the revenue needle has barely moved. This episode takes a closer look at the difference between real productivity and the kind of activity that simply makes the calendar look impressive while progress quietly waits for permission to begin.

From sales stagnation to rebuilding momentum through relationships, discipline, and consistent outreach, the episode explores why many organizations stay busy while growth remains inconsistent and irritating. For leaders responsible for results, it offers a grounded perspective on why certain activities create traction while the wrong ones can keep a company looking productive without actually moving the needle.

For more information about Midway Business Podcast, please contact us at 708-535-3006, butch@elitebenefits.net.

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Running and trying to grow a company can feel like success from the outside, but on the inside, chaos controls the day. In this episode of the Midway Business Podcast, Forrest Derr with Derr Consulting shares insights from nearly three decades working alongside founders who built strong companies but eventually discovered the business cannot move faster than the owner and that taking a vacation isn’t in the cards. The conversation explores why many organizations stall even when revenue looks good and why their systems, daily clarity, and the right people often matter more than chasing the next big idea.

For C-Suite leaders, the discussion pulls back behind the scenes of common problems founders face. Vision is rarely their problem where execution needs important attention. This episode examines the hidden pressures that leaders face and how their attention is demanded on every decision. If your calendar looks like an air traffic control tower and every decision seems to land on your desk, this podcast may hit closer to home than expected. Grab your favorite way to take notes, sit back, and listen in.

For more information about Midway Business Podcast, please contact us at 708-535-3006, butch@elitebenefits.net.

To contact Forrest Derr with Derr Consulting: 251-210-2411 or fkderr@derrconsulting.com, derrconsulting.com

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Most companies say they want growth. What they often build is day-to-day exhaustion. This Midway Business Podcast explores why discipline beats heroics and why busting your hump without structure eventually hits a wall. High performance environments in your personal life or at work rely on repeatable systems to function efficiently, not personality driven effort. The lesson for leaders is clear: you cannot outwork a broken process, and you cannot scale intuition.

For leaders running fast but feeling stuck in the mud, this episode challenges a hard truth. If every approval, exception, and decision routes back to you, you are not leading, you are managing a bottleneck. Organizations that sustain growth build clear checkpoints, defined ownership, and timelines that prevent chaos from pretending to be productivity. The real question is not how hard your team is working. . . It is whether your business can function efficiently if you were to go on vacation.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Building a company that truly scales requires more than long hours and a packed calendar. Many founders stay stuck in the center of every decision, mistake activity for progress, and without realizing it, create bottlenecks that slow the very growth they are chasing. If your company feels busy all the time and stressed, this conversation will feel familiar.

It surfaces the patterns that quietly stall momentum, from delayed hiring and unclear accountability to poor processes, weak systems, and culture that drifts over time. It challenges the habit of saying “YES” to everything, avoiding hard conversations, and hoping growth alone will solve structural gaps. If you want a clearer view of what separates scalable companies from jumbled ones, this podcast offers perspective worth applying.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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This episode opens with a blunt question most executive teams avoid: Are you actually busting your hump, or just operating at a level that feels intense but only produces average results? It challenges the illusion that being busy equals progress and explores why effort without real purpose and urgency quietly stalls growth. If your company believes showing up for the day is the same as advancing, this conversation will test that assumption.

For C-Suite leaders navigating growth, renewals, culture, and execution fatigue, this episode exposes the patterns that keep companies stuck in cycles of reaction and stalled growth. It talks through the doubts leaders quietly carry, the habit of sticking with what feels familiar, the tendency to relax after a good stretch instead of building on it, and the discipline it takes to consistently outperform competitors all year long. It will make you question whether your strategy is truly intentional or simply surviving quarter to quarter.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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This episode pulls leaders out of the weeds and into the bigger picture about how real organizations actually function when pressure hits. High stakes environments that quietly expose why most businesses struggle not because people are incapable, but because roles get blurred, systems lag or don’t work, and everyone ends up doing different jobs they were never meant to do. The humor lands where it hurts a little, especially for executives who know their calendar is full yet still feel like they are reacting instead of leading.

For C-Suite leaders, this is not a how to guide or a checklist giveaway. It is a paradigm shift on why the chaos feels normal in many companies and why it doesn’t have to be. The narrative challenges the assumptions about people’s experience, loyalty, and work ethic, while showing how important it is to stay calm during the chaos. Repetition separates from the competition and allows them to scale because the work runs the same way every time, even when pressure shows up. If you have ever wondered why some teams run smoothly while others are always sprinting, this episode will feel uncomfortably familiar in the best way.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most executives know change is constant, yet many businesses still operate in the rear view mirror, avoiding the inevitable. This episode explores how organizations quietly fall behind by clinging to familiar tools and processes out of habit long after the marketplace has moved on. It shows how businesses evolve while leaders stay comfortable and confuse staying busy with real momentum.

This commentary challenges how leaders think about growth, sales, operations, and employee benefits without offering a checklist or a silver bullet fix. If you have ever felt friction in your business but could not pinpoint why results feel harder to achieve, this episode will hit the spot. If it feels like the right time to test your leadership assumptions in the face of change, tune in.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most leaders would never send their team into a high risk situation without training and a plan yet that is exactly how many businesses operate day-to-day. This episode helps leaders step out of autopilot and make deliberate decisions instead of rolling the dice. When things become uncomfortable or unclear, most organizations realize too late that silence and assumptions turn into expensive habits over time.

This podcast is not a checklist or a magic pill. It is for C-Suite leaders who know their business deserves stronger systems, more deliberate conversations, and fewer surprises. If you have ever wondered why smart teams still end up frustrated, exhausted, or reacting instead of advancing, this episode connects the dots and challenges where your leadership attention is truly being spent.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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This episode pulls the iron curtain back on how modern broadcasting quietly became one of the most misunderstood tools in an executive toolbox. What once felt like it was run by the Wizard of Oz and massive budgets is now sitting right in front of you, yet many leaders are still thinking about it like it is 2005. The conversation explores how credibility, reputation, and visibility are really being created today, while attention spans shrink, patience disappears, and nobody sticks around just because you want them to.

For C-Suite leaders, this is not about becoming a media personality or chasing popularity metrics. It is about understanding how influence actually works in today’s marketplace and why controlling your message matters now more than just reach. Smart leaders are using content to build TRUST long before a salesperson ever picks up the phone or knocks on a door. If shouting from the rooftops is not getting anyone to listen, this perspective might be worth tuning into.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most leaders say their biggest issue is their people. Hiring issues. Engagement issues. Execution issues. The funny thing is the longer you talk about it, the more that answer starts to fall apart. Growth stalls. Meetings multiply like rabbits. Decisions slow down. And somehow the same problems keep showing up in new disguises. Eventually the excuses get uncomfortable and that is usually where leadership either levels up or stays stuck.

This episode pulls back the iron curtain on why so many companies quietly stall and why working harder eventually stops producing better outcomes. It explores how success can set new bars and why experience can either speed things up or trap leaders into familiar patterns that only feel productive. If you run a company and want clear perspective without the noise, this will change how you see what is really slowing things down.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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This episode of the Midway Business Podcast takes leaders on a fast moving tour through creativity, innovation, and the surprising ways progress actually happens. From military history to real life business moments, Butch reminds us that playing it safe rarely wins the day. His message encourages you to question the routines you defend, the habits you never challenge, and the decisions that feel comfortable simply because they are familiar.

This is a subtle but powerful invitation to sharpen your thinking before the next big meeting lands on your desk. The episode delivers insight with a relatable style that keeps you engaged without giving away the playbook. If you want to lead with more clarity, avoid expensive blind spots, and stay a few steps ahead of the competition, this episode is worth your time.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In business, mistakes are not the enemy. Failing to learn from them is. The best companies treat every setback like data, not drama. Winning organizations review their missteps, refine their process, and keep moving forward while everyone else is still arguing about what went wrong. It is less about perfection and more about persistence. Success comes from repeating what works, improving what does not, and sticking to the plan even when it feels easy.

Growth and scale come from systems, not streaks. The marketplace rewards structure, adaptability, and discipline, not wishful thinking or luck. Leaders who evaluate, adjust, and execute consistently are the ones who build lasting momentum. Their strategy earns results and often sets the tone for an entire culture.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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The episode is a tour through panic, plateaus, and progress, told with scuba tanks, Top Gun flybys, and a pile of Q4 paperwork. Butch shows how leaders get into trouble when they rely on youth, luck, or last minute heroics instead of systems. The lesson lands fast. change is not a motivational poster, it is the operating model. Companies that refuse to adapt end up waiting at the train station with a map from the horse and buggy era.

The takeaway is clear. Progress demands persistence, not panic. The best leaders know when to push through the discomfort, when to pivot, and when to stop digging six feet short of gold. Stay curious, stay disciplined, and keep evolving because comfort zones are where good companies quietly lose their edge. Growth only happens when you lean into the unknown and KEEP MOVING forward.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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This episode of the Midway Business Podcast explores how pressure, input, and output affect everything in business, from sales and cash flow to leadership and decision making. Butch Zemar breaks down how small adjustments in what you put in can drastically change what comes out. Think of it as a friendly reminder that what you feed your business matters—garbage in, garbage out, and sometimes the garbage even sends you an invoice.

The conversation reminds SMB owners that success is not about working harder, it is about working smarter and measuring what matters. When you understand the forces creating pressure in your business and learn how to control them, you can turn chaos into clarity, waste into growth, and stress into progress. Listen in and start mastering your inputs before your outputs start mastering you.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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This episode takes a hilarious look at the strange things we tolerate — from stale popcorn at the hockey rink to outdated business habits that drain profits. Butch uses stories from parenting, the Navy, and the workplace to expose how easily we fall into “that’s just how it’s always been” thinking. Whether it’s a broken system, a sluggish renewal process, or a comfortable excuse, repeating the same moves only guarantees the same results.

For small and midsize business leaders, this episode is a reality check disguised as comedy. It’s about calling out mediocrity, shaking up routines, and learning to think like an outlier. Expect sharp business insights, a few laughs, and a reminder that progress doesn’t come from playing it safe — it comes from finally refusing to settle for stale results.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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SMBs don’t start companies to moonlight as HR, payroll, and compliance departments — but growth loves to hand you that extra hat. In this Midway Business Podcast, Butch sits down with Dave Wills (BBSI) to unpack how modern Professional Employer Organizations help businesses scale without losing their sanity. Think “Costco of payroll” meets back-office SWAT team — handling taxes, benefits, and compliance so you can focus on growing revenue.

From managing multi-state employees to planning for inflection points with their Blueprint Night model, Butch and Dave share real-world lessons on when outsourcing saves time, money, and sleep. If Q4 renewals and compliance chaos have you feeling like it’s a corporate horror story, this episode might just be your survival guide.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Dave: Dave Wills or at BBSI

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Sales slowdowns, shrinking margins, and that “what’s actually happening with our pipeline?” feeling — if that sounds familiar, this Midway Business Podcast episode’s for you. Butch sits down with Howard Fisher, a fractional sales leader and recovering attorney, to unpack why so many founder-led and family-run businesses hit the brakes on growth. From outdated sales processes to teams selling from different scripts, Howard shares stories that’ll make you laugh, cringe, and nod in painful agreement.

If you’ve ever wondered why your sales meetings feel productive but the numbers don’t move, this conversation will hit close to home. Howard and Butch talk about what separates companies that scale profitably from those that spin their wheels — and how to avoid chasing “the big whale” that sinks the boat. Grab your coffee (or something stronger) and listen in before your next sales huddle.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Howard Fisher: 312-560-0336 or Howard Fisher

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Feeling like your marketing plan is stuck in 2015? In this Midway Business Podcast episode, Jordan Green, founder of Momentum AI, joins to talk about how small and midsize businesses can stop losing leads, start automating smarter, and actually keep up with today’s lightning-fast buyers. From AI-powered voice agents that respond in seconds to automated CRMs that update themselves (because, let’s face it, no one likes data entry), Jordan breaks down how simple tools can create massive results — without needing a Silicon Valley budget.

We dive into why “waiting it out” isn’t a strategy — it’s a slow fade into irrelevance. Jordan reminds SMBs that while they’re debating if AI is worth the effort, their competitors are already using it to win business before lunch. It’s time to stop watching the future happen and start building it.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Jordan Green: 360-904-5270

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Brand chaos got you feeling like you’re herding cats? In this Midway Business Podcast episode, branding expert Brooke Foley, CEO of Jayne Agency, shares how most companies chase logos, SEO, and quick-fix marketing before realizing they skipped the real foundation — brand clarity. She breaks down how her 10 Brand Assets Methodology helps businesses align their message, culture, and cash flow so marketing finally converts and sales teams stop fighting uphill battles.

Brooke also dishes out truth bombs about why “brand drift” silently kills growth and how even SMBs can use her Clarity University to fix it without blowing the budget. If you’ve ever wondered why your marketing efforts don’t match what you actually deliver — this one’s your wake-up call.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Brook Foley: 312-464-8100 or Jayne Agency

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Running a small business is a lot like running a chiropractic practice — a few twists, plenty of adjustments, and the occasional pain in the neck (sometimes literal, sometimes payroll). In this episode, Dr. Tim Gilbert shares how he built Full Strength Spine & Health on grit, empathy, and doing right by people. He reminds SMB owners that real growth comes from showing up, listening, and being flexible — in both business and body. His story blends hockey discipline, small-business hustle, and a reminder that success is built one good adjustment (and one loyal client) at a time.

Dr. Gilbert explains how today’s chiropractic care isn’t your grandfather’s “rack and crack.” From athletes chasing peak performance to parents chasing toddlers, he shows how strength, mobility, and hands-on care can keep anyone moving pain-free. Real results, no snake oil — just a business-minded doc who knows when to make the right moves on and off the ice.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Dr. Tim Gilbert: 708-403-9450‬ or Full Strength Spine & Health

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Small and mid-sized business owners — grab your coffee (or something stronger) because this one hits close to home. Host Butch Zemar sits down with marketing pro Samuel Thimothy to talk about why your sales pipeline feels more like a mystery novel than a growth strategy. They dive into how too many SMBs spend all their time putting out fires instead of building systems that attract clients on autopilot — and why “hope” isn’t a marketing plan (even if it’s free).

From content creation that doesn’t feel like yelling into the void to building awareness before your competitors eat your lunch, this episode dishes out real, actionable advice. If you’ve ever said, “We’ll get to marketing after this busy season” for the fifth year in a row — this one’s for you.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Samuel Thimothy: 888-663-4671 or OneIMS - Integrated Marketing Solutions

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Starting a business usually begins with passion… but eventually, reality sends you an invoice labeled Revenue or Bust. Too many SMBs stall because they treat revenue like a broken water pump—prime, sputter, repeat—without realizing growth requires new strategies, not just more elbow grease. Expenses creep, “business gods” test your patience, and suddenly your P&L looks more like a rollercoaster than a roadmap.

In this episode of the Midway Business Podcast, Butch Zemar unpacks why most businesses get stuck in survival mode, how to break through revenue thresholds, and why learning from setbacks is your real competitive advantage. White-knuckling the same old tactics is about as effective as Happy Gilmore’s backswing in the boardroom.

Tune in to hear practical, battle-tested tips SMBs can use to push past mediocrity, scale smarter, and actually enjoy the ride.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Too many leaders treat business like parenting gone wrong—ignoring problems, making excuses, and hoping things magically work out. The truth? Your company is a mirror. If you’re constantly firefighting, chasing the wrong prospects, or blaming vendors, the reflection is staring back at you.

In this episode of the Midway Business Podcast, Butch Zemar calls out the blame game, explains why ignoring responsibility is like hitting “snooze” on your growth, and shows how even small shifts in focus can create ripple effects across your entire business (and life).

If you’re tired of excuses draining your margins, tune in and learn how to take back control before mediocrity becomes your brand.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most companies don’t collapse from competitors—they implode from the inside. Leadership either raises the bar or clings to mediocrity like it’s a security blanket. In this episode of the Midway Business Podcast, Butch Zemar dives into why too many executives celebrate shaving 4% off renewals (while torching $400K in waste), and why “normal” has quietly become code for “we’re bleeding cash.”

From Steve Jobs refusing limits, to NHL goalies finally wearing masks, to scuba divers moving from bicycle pumps to actual air tanks—progress happens when leaders stop settling. The same goes for benefits. Sticking with the status quo isn’t safe; it’s expensive.

Tune in to hear how moderation is for cowards, mediocrity is a money pit, and why your benefits strategy deserves more than “we survived another renewal.”

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode of the Midway Business Podcast, Butch Zemar sits down with Alan Stern to talk about how SMBs can stop marketing like it’s 1999 and start using AI and personal branding to actually stand out. AI isn’t here to steal your job—it’s here to be the best employee you’ll never have to put on payroll.

Alan also shares his HEAT Method—Humor, Education, Adding Value, and Trust—a playbook for building real connections instead of sounding like every other “we’re passionate about excellence” company brochure. If you’re tired of blending in, grab your coffee (or something stronger) and listen in. Your future customers will thank you.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Alan Stern: alan@personamarketingservices.com or Persona Marketing Inc.

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Sales isn’t about doing more of the same and hoping it magically works. Yet too many SMBs let their sales teams fall into old habits—busy with emails, paperwork, and “pipeline reviews” that never move revenue. In this episode of the Midway Business Podcast, Butch Zemar shares simple but powerful tips SMBs can use: structure your week, focus on revenue-generating activities, and stop letting mediocrity set the bar.

Think of it as a playbook for small and mid-sized businesses: block your calendar, prioritize prospecting, and eliminate non-sales fluff. Because white space on your calendar isn’t “breathing room”—it’s lost opportunity.

Tune in to hear how SMB leaders can keep their sales teams disciplined, focused, and actually driving growth.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Business evolves when we act on new information—but too often, leaders cling to outdated systems like they’re diving with hand pumps instead of modern scuba gear. In this episode of the Midway Business Podcast, Butch Zemar shares why businesses still treat benefits like it’s 1987—overpaying while their broker brags about saving “4%” (right before heading to the golf course.)

The truth? Renewal paralysis, blind loyalty, and ignored data are torching margins. It’s like running payroll on a fax machine and calling it “innovation.” With the right information—and the guts to act—SMBs can cut six figures in waste and finally take control of their benefits.

Tune in to hear how “new information” is the lever to move your business forward.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most businesses get stuck in two traps: Parkinson’s Law (work magically takes as long as the calendar allows) and Stockholm Syndrome (loyalty to broken systems and brokers). Together, they hijack your benefits program and quietly torch your budget.

On this episode of the Midway Business Podcast, Butch Zemar breaks down how hockey kids, CFOs, and even HR teams all fall into the same time-wasting habits—dragging their skates until renewal season forces a last-minute scramble. Your “loyalty” to an outdated process is costing six figures while your broker is out golfing.

If you’re tired of watching margins bleed while your team warms the bench, listen in and get a plan that actually wins.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Running a business is hard enough—you don’t need your videos looking like they were shot on a flip phone. On this episode of the Midway Business Podcast, Butch Zemar sits down with videographer and drone pilot Dancello Bennett to unpack how SMBs can use video to tell stories that connect (instead of putting audiences to sleep).

From construction sites to weddings, Dancello shares practical lessons on preparation, creativity, and keeping up with fast-moving trends. The message? Stop winging it with DIY content—your brand deserves better than stock photos and clip art.

Tune in for tips every SMB can use to sharpen their brand and finally look as good on video as they say they do in meetings.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Dancello Bennett: 708-465-0595 or The Space Between Films And Dreams

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On this episode of the Midway Business Podcast, Butch Zemar sits down with Kate McCauley from Wounded Warrior Family Support to explore how one small nonprofit is filling critical gaps for America’s veterans and their families.

Kate shares powerful stories from her 18 years with the organization—how a “mom-and-pop” idea grew into nationwide programs providing mobility vehicles, respite care for caregivers, welding certifications, and financial education. Beyond the logistics, it’s a lesson in leadership, resourcefulness, and building sustainable impact even with a lean staff.

For SMB owners, CFOs, and HR leaders, this conversation is packed with inspiration: how to build credibility through transparency, why culture and mission drive long-term loyalty, and what it really takes to create programs that last.

Listen in for strategies you can apply to your own business while also learning how to support an organization that’s truly changing lives.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Kate McCauley at: kate@wwfs.org or Wounded Warrior Family Support

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On this episode of the Midway Business Podcast, Butch Zemar sits down with Chicago business consultant James DiMambro to unpack the “Rule of Threes”—why boiling things down to three clear benefits, values, or differentiators can set small and midsize businesses apart. (Because let’s be honest—if your pitch deck needs 47 slides to explain your value, you’ve already lost the room.)

With nearly two decades of experience across marketing, sales, and customer success, James has worked with everyone from scrappy startups to Fortune 500s. He explains why sharpening your brand, simplifying your message, and delivering consistency across marketing, sales, and client experience is the real secret sauce to credibility.

They also dive into common SMB missteps—from tuning out customer feedback to fearing AI instead of letting it take the grunt work off your plate.

Tune in for practical insights that will help you cut through the noise, gain an edge, and grow with confidence.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact James DiMambro: LinkedIn

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Running a business without a process is like steering a ship with no rudder—you’re just hoping the waves take you somewhere good. In this Midway Business Podcast episode, Butch Zemar dives into why so many owners get paralyzed by bad habits, overthinking, or flat-out fear of change.

From companies passing on nearly a million in savings, to leaders drowning in “analysis paralysis,” the stories highlight a bigger truth: success comes from predictability. Just like sales, operations, or HR, benefits (and every other part of your business) run smoother when you’ve got a playbook.

Stop clinging to old patterns and start building systems that give you clarity, control, and room to grow. Because in business—unlike Vegas—the house doesn’t always have to win.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Who knew pizza could teach you something about running a business? In this episode of the Midway Business Podcast, Butch Zemar sits down with Alex Yount of Chicago Pizza Guys—a passion project that started with three friends swapping favorite pizza spots and grew into a community followed by thousands of fellow pizza lovers.

Alex takes us inside their journey from casual conversations to creating reviews, videos, and a loyal following that celebrates the best slices Chicago has to offer. Along the way, he shares stories of the places that stand the test of time, the family-run shops with generations behind the counter, and why consistency and authenticity matter just as much in food as they do in business.

This conversation isn’t just about crusts and toppings—it’s about what makes people come back, what helps a small business stand out, and how loyalty and community keep brands (and pizza places) alive for decades.

Discover how Alex and his team turned their love of food into lessons any business owner can apply.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Alex Yount: Chicago Pizza Guys

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In this episode, Dr. Tom Germino of Germino Dental shares 40+ years of business lessons—growing from a one-chair startup (with his wife running the front desk) into a multigenerational family practice serving patients across three generations.

Business Tips:

Customer loyalty is everything. Patients still stick with him after 40+ years—because trust outlasts flashy marketing.
Invest in tech (and people). From silver fillings to digital scans—staying relevant means upgrading more than just equipment (yes, that includes fossilized spreadsheets).
Build the right team. Your crew is your reputation. You can’t scale if you’re the only one holding the drill.
Think long-term. Values—not just tools—are what carry a business across decades.

And yes, there are laughs too. Dr. Germino jokes that asking patients to floss is like asking employees to update the CRM—everyone nods, but only a few actually do it.

His message to business owners? Focus on relationships, process, and culture—and your business will shine for decades.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Germino Dental: Germino Dental

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In this episode, Butch Zemar sits down with lifetime entrepreneur MZ, who built a 40-year event production company (think Bulls championship parades and Fortune 500 events—not your average company picnic) before shifting his focus to helping business owners gain control of theirs through EOS (Entrepreneurial Operating System).

MZ shares what decades in the trenches taught him—like how solving the wrong problems really well still doesn’t help (we’ve all been there), why consistent processes give business owners actual freedom, and how structure—contrary to popular belief—doesn’t kill creativity, it makes room for it.

For him, the work isn’t just about building stronger businesses—it’s about improving the lives of the people running them. Because let’s face it, business ownership is tough, but with the right playbook, it doesn’t have to feel like you’re the only one holding the flashlight in the dark.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact MZ: Michael (MZ) Ziffra

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In this episode, David Cole of Aluminight Custom Outdoor Lighting sheds light—literally—on how professional exterior and landscape lighting can transform homes and businesses. From permanent holiday lights (finally retiring the “Clark Griswold” ladder routine) to design strategies that make a property shine without blinding hot spots, David explains how thoughtful placement and planning make all the difference.

But this isn’t just about bulbs and wires—it’s also a playbook for business owners. David shares why following every trend (like peak lighting) isn’t always smart, how DIY shortcuts can cost more in the long run (sound familiar, CFOs?), and why service after the sale builds more loyalty than the initial sale itself.

He also reminds us that a strong crew is everything (try finding employees who’ll troubleshoot wiring in both 100° heat and -10° snow), and that sometimes your hidden edge as an entrepreneur comes from unexpected places—like David’s background in graphic design, which gives him a creative eye competitors can’t match.

His philosophy? The lights shouldn’t be the star—your property should. And for business owners, the lesson is clear: the product isn’t the hero, your client is.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Dave Cole at: Aluminight Custom Outdoor Lighting

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Butch Zemar chats with John Andrade, who went from teenage Nextel hustler to selling an online car platform (pre-Carvana) to banking—and somehow lived to tell the tale.

His takeaways? Failures are tuition, visibility beats inboxes, and “No Soliciting” signs are just suggestions.

John also makes the case that advisory boards aren’t just for Fortune 500s—they’re for anyone trying not to blow up their business plan. Through his “Go For CEO” platform and his book, he shares the 5 Fs: Faith, Family, Fitness, Finance, and Fun. (Because what’s the point of being CEO if you’re broke, burnt out, and no fun to be around?)

He leaves listeners with a 4-step roadmap—Assess, Align, Accountability, Action—basically cheat codes for entrepreneurs who’d rather grow their business than wallpaper the office with motivational posters.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact John Andrade: LinkedIn

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In this episode of the Midway Business Podcast, Butch Zemar talks with Lindy Hoyt, Founder of People Ambassadors, about why keeping employees engaged sometimes feels harder than keeping your New Year’s resolution past January.

Lindy shares how most companies confuse “butts in seats” with engagement—and then wonder why turnover looks like a revolving door. Her take: retention requires intention. Don’t drag people back to the office just so they can sit on Zoom; give them purpose, growth, and connection.

She lays outsimple but powerful tools like one-on-one meetings (don’t cancel them unless you want disengagement), stay interviews (asking people why they stick around before they leave), and tailoring recognition so it actually matters. Spoiler: not everyone wants the “Employee of the Month” plaque.

Lindy also points out that employees don’t leave companies—they leave managers. Translation: if your team keeps bailing, it’s not the snacks in the break room—it’s you.

The bottom line: retention isn’t about ping-pong tables or pizza Fridays; it’s about actually knowing your people.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Lindy Hoyt: LinkedIn

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Host Butch Zemar sits down with Bill Clayton of Transworld Systems, the fixed-fee collection service ($10 an account) even the Girl Scouts would use. Founded in 1970 by doctors tired of losing profits to percentage-based agencies, Transworld recovers overdue accounts without torching customer relationships—a “patient who pays stays” kind of philosophy.

Bill dishes on why most businesses wait too long to act (once it’s six months overdue, your chances of getting paid are about the same as finding a stapler in the office when you actually need one). He covers the biggest mistakes—like letting untrained staff chase debts or sending threatening letters that would make a corporate attorney faint—and offers prevention tips: collect better info upfront, add personal guarantees, and make early “just checking in” calls before you have to play bad cop.

From HIPAA rules to “third-party intervention” magic, Bill’s message is clear: receivables are pure profit, and getting them back beats chasing twice as many new sales just to make up the loss.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Bill Clayton at Transworld Systems Inc.: 815-245-8386

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In this episode, Butch Zemar chats with Virginia McGann of Integrated Back Office Solutions, who turns financial chaos into clear business roadmaps. She’s seen it all—QuickBooks files built during Super Bowl commercials, negative bank balances that somehow still cash checks, and owners calling “money in the account” a profit margin. It’s part detective work, part intervention, and entirely about helping business owners stop guessing and start knowing.

Virginia explains why cutting marketing is like skipping breakfast—you’ll regret it fast—and why clinging to low-margin services out of nostalgia is costing you more than you think. She’s quick to remind owners that the 80/20 rule isn’t just a theory; it’s the difference between running a business that thrives and one that’s always “almost there.”

Her “Sleep Tight Package” pairs IT and accounting assessments so owners can worry less and focus on what they do best. It’s a one-stop tune-up for the two areas that keep most owners awake at night—cash flow and tech headaches.

Her takeaway: treat your numbers like a GPS—without one, you’re just driving in circles and calling it strategy. Even the best driver eventually runs out of gas if they don’t know where they’re going.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Virginia McGann at Integrated Back Office Solutions: 312-789-4915, vmcgann@ibos.biz

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Host Butch Zemar chats with Michael Kupchak—accountant, educator, fraud examiner, and youth sports coach—about a career path that runs from small family business to teaching at the University of Chicago. Michael shares how blending accounting with information sciences put him in the sweet spot for AI’s rise—not to replace humans, but to kill repetitive work so you can focus on the good stuff (like lunch).

He warns that in fraud, the biggest risk might be the person you trust most—kind of like whoever “manages” the office coffee fund. On generational shifts, today’s grads are more likely to question professors and expect work-life balance out of the gate.

Off the clock, Michael coaches youth sports and backs his kids’ dreams—whether engineering, SWAT team, or whatever they change their mind to next year. His advice: learn the numbers, but more importantly, learn to solve problems no one’s answered yet… because AI won’t do all your thinking for you.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Michael Kupchek IV: https://www.linkedin.com/in/mikekupchek/

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Host Butch Zemar sits down with Jamal Wolf, who went from being Circuit City’s #1 computer salesperson (back when selling a desktop was like selling a car) to running two companies—Chicago Smart Business Solutions and Chicago Smart Realty Solutions. His career detour wasn’t exactly voluntary; after corporate commission “restructuring” (aka, “we’re changing how you get paid, so you make less”) and the 2008 job market disaster, Jamal decided if people kept saying, “We’re afraid you’ll take our customers,” maybe he should—just legally, under his own logo.

Jamal walks us through his Eight-Day Plan, which starts with Day Zero—admitting you have no idea what you’re doing (kind of like most Monday morning meetings). From there, it’s about focusing on the right thing, testing it, scaling it, and making sure the instructions are so simple that anyone could follow them—because the moment you leave, someone will try to “do it their own way” and break it.

With stories ranging from turning a warehouse’s daily shipping from 60 to 1,000+ packages, to integrating AI so employees can “click less and coffee more,” Jamal proves process improvement isn’t just for massive corporations with color-coded org charts. Whether you want him to fix it and hand it back, or fix it and run it for you, Jamal’s point is clear: A solid process saves money, time, and possibly your sanity—especially when your current plan is just “hope nothing breaks this quarter.”

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

To contact Jamal Wolfe on LinkedIn.

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In this episode, Butch Zemar chats with tech attorney Lisa Gavin, who’s navigated everything from fintech to ransomware settlements (yes, that’s a thing). Lisa lays out what happens when a hacker locks down your data and demands crypto—hint: there’s no Liam Neeson, just consultants billing by the hour and your cyber insurer asking if you’ve “read the policy.”

She introduces tabletop drills—live-action crisis simulations where your leadership team roleplays disaster. No PowerPoints. No IT guy to save the day. Just real talk like: “What do we do if payroll gets hacked at 3 a.m.?” Spoiler: most companies have no clue. These drills help expose weak spots before a real breach does—and no, forwarding sketchy emails to your MSP doesn’t count as a plan.

If your Wi-Fi password is taped to the breakroom fridge and your incident response plan is “hope,” this episode is your wake-up call.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode, Butch Zemar chats with benefits vet Gary Blaum, who’s spent decades in the TPA and PBM trenches. Spoiler: PBMs were cooking the books, and Gary brought spreadsheets to the gunfight. After years of chasing down shady contracts, he found something better—Vitable—a fixed-cost primary care model that sends nurse practitioners to your employees’ homes. Yep, house calls are back, and no, it’s not 1942.

Employees love the zero copays. CFOs love the predictable costs. HR finally has a recruiting tool better than casual Fridays. With early diagnosis, real care, and a 3:1 ROI, this model doesn’t just bend the trend line—it dropkicks it.

As Gary says, “There’s no good reason not to do this.” Unless, of course, you’re emotionally attached to double-digit renewals.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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🎙️ In this episode of the Midway Business Podcast, Butch Zemar dives into the unglamorous truth about why people give up too early — and no, it’s not just because Netflix released another season of something shiny. From childhood dreams of becoming an astronaut (thanks for nothing, Navy recruiter) to navigating the chaotic galaxy known as health insurance, Butch shares battle-tested stories about how success isn’t a straight line — it’s more like a drunken loop-de-loop through doubt, detours, and deductible spreadsheets. Spoiler alert: most people don’t fail — they just stop showing up.

Using Alex Ovechkin’s record-breaking goal streak as a metaphor (because who doesn’t love hockey analogies), Butch reminds us that even the greatest need assists — from line mates, life partners, and yes, even LinkedIn followers. Whether you're chasing a business goal, a personal best, or just trying to survive open enrollment season with your sanity intact, this episode is your wake-up call to stop ghosting your goals. Grab your calendar, call your therapist, and for the love of benefits, journal your action steps. Because the only thing worse than failing is hiring a broker who gives up faster than your New Year’s resolution.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode of the Zemar Podcast, Butch Zemar takes us on a wild ride from outdated Navy aircraft to outdated employer health plans — because apparently, both refuse to die quietly. Using a broken FLIR pod as a metaphor (and no, not the kind of pod you cry in after seeing your renewal increase), Butch breaks down why starting from scratch isn't such a bad thing — whether it's rewiring aircraft or rebuilding your benefits strategy. If NASA can reprogram a space capsule with duct tape and whiteboards, your company can certainly rethink its January 2026 health plan before it's too late (yes, even in July 2025).

Bonus tip: your broker might already be on summer vacation, but that doesn’t mean your fiduciary duty is too.

He compares the health insurance renewal process to a family board game — except in this one, the rules change annually, the dice are rigged, and your CFO keeps trying to skip to the end without reading the instructions. Butch lays out the roadmap: ditch the cookie-cutter plan, start removing predictable expenses like doctor visits, challenge your broker on drug rebates, and don’t be afraid to ask “why are we still doing it this way?” If you can control office supplies and taxes, you can control your health plan. And if all else fails, channel your inner Captain Jack Sparrow, grab your sword (or spreadsheet), and charge the Kraken — because it’s time to fight back against bad renewals. 💥💼🩺

For more information, please contact us at EliteBenefits.net 708-535-3006

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In this episode, Butch Zemar delves headfirst into the bureaucratic complexities that hinder small and mid-sized businesses when it comes to managing employee benefits. He explores why some companies act like deer in headlights when faced with cost-saving opportunities — usually because emotions are driving the bus while logic is locked in the trunk. Butch calls out the common bottleneck culprit: the business owner.

Spoiler alert — if you're still personally reviewing dental network maps in Q3, you're probably the problem. Drawing comparisons to giants like Musk and Bezos, Butch reminds us that successful leaders make bold moves, trust data over feelings, and don’t panic just because the toothpaste is running low.

With equal parts insight and satire, Butch urges business leaders to ditch the "just survive" mentality and start playing to win. He shares real-world examples of companies that left six figures in cash savings on the table because they were too emotionally attached to outdated plans.

From letting go of tasks to trusting the math over your gut, the episode lays out a simple roadmap: stop hoarding responsibility like it's Halloween candy, delegate like a grown-up, and treat your benefits strategy like it actually impacts your bottom line — because it does. If you're tired of watching your health plan bleed cash while your CFO plays whack-a-mole with invoices, this episode is your wake-up call.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Let’s be honest—setting goals is easy. Achieving them? That’s where CFOs start twitching and HR hides under their desks.

In this episode, we get a masterclass in corporate reality checks. Think you're overworked? Imagine trying to hit business goals while your benefits plan is hemorrhaging money like a rookie finance intern let loose in Excel.

Butch Zemar breaks down the art of not giving up too early—unless, of course, you enjoy 54% renewal increases and the warm, fuzzy feeling of budget panic. He uses stories from his own journey—complete with dreams of becoming an astronaut and disappointing DIY projects—to prove that brute force and wishful thinking don’t belong in your benefits strategy.

Now, if your current broker is telling you “it’s just the market,” you might want to get that second opinion before your healthcare plan starts moonlighting as a financial sinkhole. Zemar shares how one company saved $400,000 by switching funding models—yes, real money, not Monopoly cash—and another that avoided a catastrophic increase by actually using strategy (shocking, we know). The takeaway? Stop throwing darts at your health insurance plan blindfolded. There’s a better way—and no, it doesn’t involve spreadsheets soaked in tears.

For more information, please contact us at EliteBenefits.net 708-535-3006

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This episode dives into the all-too-familiar boardroom ritual: reviewing the company's health plan with furrowed brows, followed by the annual shrug and “let’s just raise the deductible again.” Butch Zemar calls out this Groundhog Day behavior with a fresh prescription—less déjà vu, more innovation. Drawing inspiration from Big Hero 6 (because who says insurance can’t be animated?), he challenges businesses to think differently.

Brokers still clinging to 1990s playbooks?

CFOs allergic to change?

It's time for a reality check and possibly a cartoon intervention.

Butch Zemar walks us through a case study that would make even the most cynical auditor perk up: a company shaved nearly $300K off their health costs over six years by doing the unthinkable—collaborating with their accountant. Even when claims spiked 52%, their strategy cut it back to 22%. The message is clear: switching carriers isn’t a strategy, and hope isn’t a cost containment tool. Tune in to learn why your accountant might be the real superhero you’ve been ignoring—cape not included.

For more information, please contact us at EliteBenefits.net 708-535-3006

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In this episode, we lace up the skates, tape our sticks (badly), and take a hard-checking look at how beer league hockey can teach business professionals more than a dozen leadership seminars and a thousand "synergy" emails ever could. What starts as a midlife crisis on ice turns into a full-on MBA in grit, leverage, and learning not to chase the puck—or the next shiny business trend.

Between getting yelled at by semi-retired goalies and misplaying every position imaginable, the lessons come fast, slippery, and slightly bruised. Spoiler: brute force rarely wins—unless your KPI is “most time spent in the penalty box.” From boardrooms to breakaways, we explore how playing your position, using the right tools, and not mistaking motion for progress are key to scoring real wins. Whether you're a sales rookie, a startup founder, or just trying to survive the inbox power play, this one’s for you. Work smarter. Skate harder. And for the love of all things strategic—stay out of the crease.

For more information, please contact us at EliteBenefits.net 708-535-3006

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This episode takes a bold stand for a concept often left behind after the annual ethics training: integrity. From a 19th-century shipwreck survivor refusing to sell out his story to Rosa Parks refusing to give up her seat, we explore how standing up for what’s right has always been uncomfortable, unpopular—and often unprofitable. Naturally, that brings us to today’s healthcare industry, where "ethical pricing" is apparently a mythical creature and major players keep pharmaceutical rebates as secret as Area 51.

Listeners will enjoy a tour through the tangled world of rebate hoarding, price inflation, and "transparency" that only a legal team could love. It's a reminder that moral courage isn’t just for history books—it’s also for employers who are tired of footing the bill for an industry that can’t spell “value-based care” without an asterisk. Whether you're a broker, a benefits manager, or someone who’s ever stared at a $300 Band-Aid on an EOB, this episode offers real talk, corporate clap back, and a gentle push to start demanding better—preferably before 2028.

For more information, please contact us at EliteBenefits.net 708-535-3006

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In this episode, we tackle everyone’s favorite workplace fantasy: achieving long-term goals without sacrificing lunch breaks, sanity, or the sacred Slack meme thread. From health insurance horror stories to motivational gym metaphors, it’s a brutally honest look at why your benefits plan (and your personal growth strategy) tend to fall apart around Q2. The solution? Stop treating progress like a New Year’s resolution and start building actual systems—because spoiler: “We’ll circle back on that” is not a strategy.

Also up for discussion are the fine art of pretending double-digit premium increases are just “part of the process” and how Purdue University managed to keep its healthcare costs flatter than your company’s last birthday cake. We dive into why consistent action beats quarterly panic, why brokers need to stop playing it safe, and why your Fitbit steps don't count unless you're also stepping up your benefits strategy. If you’ve ever wanted to fire your comfort zone and promote strategic discipline, this episode is your performance review wake-up call.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Ah, health insurance: the annual corporate Hunger Games where employers try to look generous, employees pretend to understand their benefits, and everyone ends up Googling “What is coinsurance?” at 2 a.m. This episode dives into the heart of every HR manager's favorite nightmare—managing costs while offering benefits that don’t cause immediate mutiny in the break room. From the post-WWII days of “Hey, free coverage!” to today’s 14% premium hikes and $7,000 deductibles, we've strayed just slightly from the original vision.

But don't worry, there is hope. We cover real-world strategies that don’t involve printing out motivational posters about “wellness.” Think: telemedicine programs that keep people out of the ER (and away from WebMD doom spirals), claims advocacy that actually advocates, and convincing employees that generic meds aren't part of a government conspiracy. Whether you’re running a 500-person company or managing a team of three and a Keurig, this episode will leave you with ideas, and maybe a renewed desire to finally explain urgent care vs. emergency care without using interpretive dance.

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This episode hits the sweet spot between locker room grit and boardroom buzzwords. From high school guard rotations to youth hockey chaos, it’s a deep dive into how sports build skills that every executive LinkedIn post pretends they were born with: mindset, grit, team synergy, and an unshakable ability to take a hit and spin it into a Q3 growth opportunity. The lesson? Whether you're breaking into the zone or the market, you’d better keep your feet moving—and your metaphors mixed.

You’ll also get a crash course in the real-world application of “back checking” as both a defensive hockey strategy and a highly scalable business mindset for post-failure regrouping. There’s discussion of Mo (momentum, not middle management), an impromptu TED Talk on the ROI of doing your actual job, and strong opinions on staying in your lane—unless you're a startup founder, in which case, you’re playing every position including mascot. If you’ve ever wondered how a 50-mile run, a guitar mistake, and a missed power play can all turn into leadership advice, this one’s for you.

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Welcome to the wild intersection of strategic parenting and small-business leadership, where bedtime negotiations require more finesse than a boardroom merger, and every family meal feels like an offsite with zero catering budget. In this episode, we explore what happens when you attempt to scale a family of four high-energy hockey-playing boys while maintaining operational efficiency, emotional bandwidth, and a hockey tournament travel itinerary. Spoiler: no one's hitting their Q1 goals, but everyone’s learning agility is through the roof.

We also unpack a real-life case study of a bloated benefits plan that it needed a full-blown fiscal intervention. After much stakeholder misalignment and a few “we’ll circle back” moments, one employer finally pivoted from “fiscally stubborn” to “strategically agile,” saving $120,000 without completely tanking morale. Whether you're managing headcount or just trying to keep your kids from mutiny during homework hour, this episode delivers insights on adaptability, resilience, and how to deliver value when everything around you is on fire—metaphorically, of course... probably.

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In this episode, Butch Zemar dives into why process matters more than results when it comes to business growth and sustainability. CFOs and HR leaders often focus on revenue and cost-cutting, but Zemar argues that these are just byproducts of a well-structured strategy. Businesses that rely solely on sales tactics without refining their internal processes ultimately face inefficiencies, stagnation, and increased risk. Drawing comparisons to professional athletes, daily discipline and incremental improvements drive long-term success, rather than chasing short-term wins.

The outdated approach to health insurance renewals, where brokers simply negotiate premiums instead of addressing the core cost drivers. He advocates for leveraging AI and automation to streamline HR functions, from benefits administration to payroll integration, allowing companies to focus on strategy rather than being reactive. With insights on sales growth, cost management, and technology adoption, this episode is packed with actionable takeaways for CFOs and HR professionals looking to build a scalable, process-oriented business model that stands the test of time.

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This episode explores the transformative power of video analysis across various fields, from sports and military operations to business and risk management. The discussion begins with the evolution of video technology in athletics, highlighting how recorded game footage has become an essential tool for skill development and strategic improvement. The conversation then transitions to the use of cameras aboard aircraft carriers, detailing the unique vantage point of “Vultures’ Roll,” where crew members observe flight operations up close, offering insights into precision and discipline in high-stakes environments.

In scuba diving, underwater footage aids divers in refining techniques and ensuring safety. Drawing parallels to business, the conversation emphasizes how companies can leverage data analysis and continuous review to identify inefficiencies and missed opportunities.

From health insurance renewals to corporate risk management, the ability to capture and assess critical information can lead to significant cost savings and strategic improvements. The discussion reinforces the importance of using technology to gain clarity, enhance decision-making, and drive better outcomes in both professional and operational settings.

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This episode explores the crucial role of discipline in both personal and professional success, framing it as a muscle that requires constant exercise. Even highly disciplined individuals, like military personnel, can struggle with maintaining it. The discussion highlights Parkinson’s Law, which states that tasks expand to fill the time allotted, emphasizing the power of setting shorter deadlines to increase efficiency.

Applying these principles to business, the discussion underscores the importance of disciplined decision-making in benefits programs. Many companies fail to address the root causes of high expenses, simply spending more without a strategic plan. The episode provides a compelling case for disciplined cost management, demonstrating how businesses can achieve substantial savings—potentially millions—by staying focused on the right activities. By eliminating inefficiencies and embracing disciplined actions, organizations can achieve transformative results in both their financial health and overall productivity.

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This episode explores the power of consistency and repetition in mastering skills, drawing parallels between personal growth, business, and healthcare. A real-life scuba diving challenge serves as a compelling example, illustrating how lack of preparation and conditioning can lead to setbacks, while consistent practice and perseverance pave the way for success. The discussion delves into concepts like Malcolm Gladwell’s 10,000-hour rule and Brian Tracy’s 1% daily improvement, demonstrating how small, intentional efforts compound over time to create significant progress.

Beyond diving, these principles apply to various aspects of life, from honing athletic abilities to building strong business practices. The conversation highlights how staying committed to routine efforts in sales, marketing, and healthcare benefits management can lead to long-term success. By reinforcing the importance of steady progress, this episode offers valuable insights for anyone looking to improve their skills, develop resilience, and achieve sustainable growth in their professional and personal life.

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In this episode, the discussion centers around the contrast between perception and reality in business, illustrating how intuition has driven both innovation and survival. Examples from history, such as the Apollo 13 mission and World War II battles, highlight how strategic decision-making and adaptation are key to overcoming challenges. The conversation also examines how perception influences business success, with examples like Walt Disney and Tesla demonstrating how visionary thinking can lead to groundbreaking advancements. However, tunnel vision in business can be detrimental, causing companies to miss opportunities or remain stuck in outdated models.

A critical focus is placed on the impact of the Affordable Care Act on health insurance agents and small businesses, emphasizing how outdated revenue models have created difficulties for brokers. The discussion explores the role of brokers in the evolving healthcare landscape, highlighting case studies of companies that successfully saved significant costs by switching health insurance plans. The episode stresses the importance of making informed decisions, challenging the status quo, and seeking expert advice to ensure sustainable business growth and financial efficiency.

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Butch Zemar takes listeners back to one of the most devastating naval disasters—the USS Forrestal fire. Caused by a hot start on a jet engine, the fire claimed 100 lives and nearly sank the ship. Zemar not only recounts the tragedy and the heroic efforts of the crew but also explores how the Navy’s response—mandatory firefighting training and structural changes—offers a critical lesson in business adaptability.

Drawing from his personal experience in shipboard firefighting training, he underscores the importance of preparation, discipline, and swift decision-making in preventing catastrophic failures in both life and business.

Shifting from the deck of the USS Forrestal to the world of business, Zemar highlights the challenges of growing a business amid changing regulations, shifting market demands, and internal restructuring. He shares candid insights on hiring, training, and the necessity of offloading low-value accounts to focus on high-revenue clients. Using powerful analogies—like a car transmission needing to shift gears to prevent burnout—he illustrates the critical balance between scaling a business and maintaining efficiency. Listeners will walk away with actionable strategies to navigate market changes, optimize their operations, and stay resilient in the face of adversity.

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A scuba diving anecdote illustrates how firsthand experiences can dramatically shift perceptions, as a couple had contrasting reactions to their diving class. The discussion emphasizes the importance of embracing challenges and chaos, whether in parenting, business, or personal growth and highlights how adapting to adversity leads to success. The conversation underscores the risks of offering advice without relevant experience and advocates for focusing on positive contributions and supporting others

Listeners are encouraged to refrain from giving unsolicited advice, especially when lacking firsthand experience. The host also stresses the importance of building connections and support systems, both personally and professionally. By sharing help and kindness, individuals can foster stronger relationships, making the audience feel connected and part of a community. In the realm of business, adapting to new tools, software, and strategies is key to overcoming setbacks and staying competitive. Ultimately, the podcast advocates for personal growth through perseverance and learning from one another’s experiences.

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In this episode, Jason Treadwell, founder of Treadwell Consulting Group, emphasizes the importance of conducting regular financial checkups for small businesses. He advocates quarterly reviews to analyze revenue, costs, and trends. He stresses that financial management should be proactive, not just a compliance task. Treadwell warns against reactive financial decision-making and highlights how leveraging financial data can play a key role in strategic planning, especially for businesses facing inflation and skill shortages.

Treadwell also addresses the common pitfalls founders encounter, such as focusing too much on big-picture goals without considering critical financial details. He advises business owners to optimize their revenue drivers and prepare for future growth by using financial data effectively. Proactively managing cash flow and planning for tax implications, rather than waiting until year-end, is crucial for long-term success. The discussion underscores the need for small businesses to align their financial strategies with their overall business goals to navigate economic challenges and drive sustainable growth.

Reach out to Jason Treadwell by calling 773-569-1982 or visit TreadwellConsultinggroup.com

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In this episode, Butch Zemar explores the parallels between training for ultra-marathons and achieving business success. He emphasizes the importance of gradual progress, consistent effort, and discipline, sharing personal experiences from his journey as a runner. Butch discusses how the real challenge lies in the training, not the race itself, and relates this to the need for adaptability and perseverance in business. He highlights how focusing on long-term goals, learning from setbacks, and making steady improvements are crucial for both personal and professional growth.

Butch also stresses the significance of accountability and leveraging support from partners in both running and business. He discusses how setting clear goals, maintaining discipline, and staying adaptable to change can help overcome challenges in both areas. The episode concludes with a reminder that the journey, with its lessons and struggles, is often more rewarding than the destination itself, providing a pathway to personal and business success.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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A recent discussion explored the common reasons businesses fail, focusing on the lack of strategic planning and the failure to adapt to new technologies. Many companies struggle due to ineffective sales and marketing strategies, resistance to change, and a failure to address legal and compliance issues. The importance of having a solid benefits program strategy was also highlighted, as neglecting compliance can lead to penalties and other financial consequences.

Additionally, the discussion emphasized the need for better financial management and data utilization, particularly in controlling healthcare costs. Businesses that remain loyal to outdated methods and traditional insurance providers often need better options. The conversation concluded by advocating for proactive planning, the adoption of new technologies, and improved transparency in benefits programs to achieve better business outcomes.

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The emphasis was on how the real challenge lies in the preparation, not the event itself. In business, this translates to proper planning, consistent effort, and focusing on the right activities to achieve long-term success. Sales teams, for instance, are encouraged to increase their meeting volumes and prioritize quality actions that drive results.

Additionally, leveraging data in business decisions, particularly during benefits renewals, was highlighted. The discussion emphasized the need for proactive planning and engaging with detailed data to make informed choices. It also pointed out that businesses often fail due to a lack of foresight and the tendency to stick to the status quo. To overcome these challenges, continuous improvement and strategic changes are key to long-term success.

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Despite increasing premiums, many employers are hesitant to change their plans, with a survey showing that 87% of employers remain satisfied with their current coverage. Smaller companies are particularly vulnerable to significant cost increases, often needing more resources to manage healthcare benefits or adjust to these rising expenses proactively. The issue of broker retention was also highlighted, revealing that 95% of employers keep their brokers even when their performance is subpar, mainly due to trust or a reluctance to navigate change.

The conversation pointed to Purdue University as a case study in managing healthcare costs effectively. Since 2016, Purdue has kept its healthcare costs to just a 1% increase annually, saving $149 million by implementing strategic changes, such as reducing out-of-pocket expenses and using financial incentives. The discussion emphasized the importance of better planning, transparency in broker commissions, and investing in dedicated resources or outsourcing to manage healthcare benefits efficiently. Companies that prioritize these practices are better positioned to control costs and provide improved employee benefits.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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A recent discussion highlighted the risks of cutting corners in both business and health insurance, drawing a parallel to a tragic scuba diving story from The Last Dive by Bernie Chowdhury. The story emphasized how cost-saving measures, such as using compressed air instead of mixed gas with helium, led to fatal consequences. This served as a cautionary tale for businesses that seek quick fixes or overly aggressive cost reductions without considering long-term planning and safety. The conversation stressed the importance of balancing cost-saving strategies with thoughtful decision-making, particularly when navigating inflation, unexpected expenses, and insurance planning.

The discussion also focused on the need for proactive financial planning in managing health insurance costs. Rather than relying on “magic wand” solutions, businesses are encouraged to engage deeply with their benefit plans, work with knowledgeable advisors, and break down renewals into smaller, more manageable parts. By integrating health insurance into broader financial and budgeting plans, businesses can ensure predictable outcomes and better cost control. The conversation emphasized the importance of conducting due diligence, engaging with detail-oriented advisors, and preparing for long-term financial success through strategic planning.

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Small and mid-sized companies often complicate their health insurance programs, leading to inefficiencies and frustration. Sometimes, companies need to change their approach to achieve their goals. The conversation emphasized the importance of evaluating renewals early, exploring cost-saving opportunities like switching carriers that provide claims data and implementing technology to streamline enrollment processes. Companies were also encouraged to retrain employees to use their health insurance effectively.

The discussion stressed that companies can save significant amounts by taking a more proactive approach to managing their benefits. By investing in technology, adopting medical advocacy programs, and exploring innovative strategies like Individual Coverage Health Reimbursement Arrangements (ICHRAs), employers can reduce costs while improving employee satisfaction. Early evaluation and planning for renewals, combined with retraining employees on smart healthcare choices, can result in better outcomes and long-term stability for businesses.

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Taking examples from the NHL and MLB, where rule changes improved efficiency and game outcomes, the conversation drew parallels to the evolution of health insurance. Historical shifts like tax breaks after World War II led to the rise of PPOs and HMOs, and more recently, strategies such as Health Reimbursement Arrangements (HRAs) and Individual Coverage HRAs (ICRAs) have emerged as methods to control rising healthcare costs.

The conversation highlights the need for employers to proactively evolve their benefit programs to maintain competitiveness in a changing landscape. By embracing new strategies such as reimbursing employees for individual health insurance and exploring alternative cost-control measures, employers could save alot of money that go directly to profits! The discussion stressed the importance of long-term planning and strategic adaptation to ensure better outcomes and cost savings.

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Businesses that fail to evolve, such as Kodak, suffer the consequences, while those that embrace innovation thrive. The evolution of scuba diving is also mentioned, illustrating how technological advancements, such as the move from deep air diving to mixed gas diving, improved safety, and efficiency.

The conversation then shifts to healthcare, explaining how historical events like wage freezes after WWII shaped modern health insurance policies. The rising healthcare costs and the impact of regulations, such as the Affordable Care Act and the Consolidated Appropriations Act of 2021. Employers are encouraged to manage health plans proactively, bring in new brokers annually for second opinions, and adopt innovative strategies to control costs and navigate the growing fiduciary responsibilities associated with employee health benefits.

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There are growing concerns among CFOs regarding the unpredictability of healthcare costs, with 72% finding these expenses more volatile than others. Despite their increasing involvement in cost discussions, many CFOs are hesitant to invest time in fully understanding and controlling these costs. The conversation emphasizes the need for innovative and non-traditional strategies, such as working with new brokers and adopting alternative cost management approaches to improve predictability and savings.

Drawing parallels with strategic decisions in historical events like the Battle of Midway, the discussion encourages CFOs and HR managers to take calculated risks and explore new methodologies. A recent success story demonstrates how a small company saved $10,000 monthly by implementing a non-traditional healthcare plan. The same strategy has saved larger companies six to seven figures. By embracing innovative approaches and moving away from traditional methods, companies can better manage healthcare expenses and improve long-term outcomes.

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Purpose-Driven Success and Business Strategies

In a recent discussion, the importance of drive and purpose in achieving success was emphasized, using personal examples like reading goals and running achievements to illustrate how consistent effort and persistence can lead to significant outcomes. Financial challenges faced by small businesses were explored, noting the stark difference in revenue between solo companies, which average $50,000 annually, and small employers with teams, which can earn up to $5 million. According to the discussion, the key to bridging this gap is patience and incremental progress.

The discussion also highlighted the need for businesses to be receptive to innovative solutions. It showcased the transformative impact of innovative benefits broker strategies on business savings, citing case studies where companies saved hundreds of thousands of dollars annually by adopting new approaches. For instance, one business saved $200,000 per year, while another achieved a $400,000 annual savings by working with more proactive brokers. The conversation underscored the importance of consistency in marketing, patience in business strategies, and the necessity for businesses to be open to innovative solutions for better outcomes.

Listen in take your business to another level with these strategies.

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In this episode, the discussion centers on the complexities of the health insurance landscape, especially for small and mid-sized businesses. The conversation delves into the critical need for greater transparency and accountability in the industry. A key point is the importance of identifying flaws within health insurance programs and how consolidating data can improve offerings, ultimately making healthcare more affordable for employees.

The poor customer service in the healthcare sector negatively impacts companies, citing a recent study that ranked the industry near the bottom for service quality. Additional challenges discussed include dealing with inaccurate billing, misfilings, and errors within the healthcare system.

Actionable insights include exploring alternative healthcare strategies such as direct primary care and reevaluating current insurance brokers and consultants to prioritize cost-effectiveness and service improvement. The discussion raises concerns about misaligned incentives in the healthcare system, which often prioritizes profits over patient outcomes. Employers are encouraged to take a proactive role in selecting and managing health insurance plans to mitigate these issues and ensure they meet their fiduciary responsibilities.

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There are parallels between the importance of proper planning and managing an employee benefit program effectively for your company. Scuba divers prioritize safety and must be equipped with the right tools. Employers should reassess their benefit packages, leveraging data-driven approaches to understand cost structures and explore innovative solutions beyond traditional broker advice.Businesses need help in controlling benefit program costs because many need more data to make informed decisions. A closer analysis of healthcare benefit costs and the adoption of alternative approaches that offer greater transparency and control. By moving away from the status quo and considering new strategies, employers can better meet the needs of their employees while managing expenses effectively.

Listen in to this podcast and get an edge for your next benefits renewal.

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This episode explores the challenges of entrepreneurship and business ownership, emphasizing the critical traits of adaptability, resilience, and taking calculated risks. The discussion is enriched with personal anecdotes, shedding light on the problem-solving and adaptability required in various situations, such as maintaining complex systems. The guest also underscores the importance of a multi-year perspective for managing benefits programs, suggesting that such an approach can lead to significant cost savings and improved employer outcomes.

The conversation delves into the specific difficulties encountered in managing benefits programs and the expectations of employers. Issues such as unpredictable annual health insurance renewals and outdated methods for handling benefits are highlighted. The episode concludes with a call for employers to adopt a forward-thinking approach, leveraging comprehensive data and new strategies to achieve better results. This episode offers valuable insights for business owners and leaders aiming to navigate the complexities of entrepreneurship and employee benefits management.

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In this episode, we explore the complexities of managing healthcare costs and expectations within the US, focusing on strategies CFOs can implement to gain better control over expenses. Our guest highlights the importance of having a proactive approach, including regularly checking cost trends and working closely with benefits advisors to analyze claims data. We delve into the significance of selecting the right broker, considering their experience, expertise, and track record. We also discuss the risks of relying on a single broker for too long.

The conversation also covers the unpredictable nature of healthcare costs, as revealed by a recent report where 72% of CFOs expressed concerns over their inability to predict these expenses. We address common issues, such as the need for more access to essential data and the rising occurrence of high-cost claims. The discussion concludes with actionable steps for CFOs, including building self-funded plans and leveraging data for more informed decision-making. This episode provides valuable insights for financial leaders aiming to navigate the challenging landscape of healthcare cost management.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In this episode, Butch Zemar dives into the complexities of the healthcare system, highlighting the lack of transparency and the misalignment between brokers and insurance companies. He underscores the significance of patient advocacy programs, urging employers to invest in these initiatives to help employees navigate the healthcare system more effectively. Zemar emphasizes that such investments can lead to substantial long-term benefits, including increased productivity and cost savings.

Zemar also discusses recent regulatory changes, such as the reduction of short-term medical plans to three months, and their potential impact on coverage. He highlights the hidden fees and conflicts of interest within the health insurance industry, including incentives for brokers to prioritize plans with higher commissions. Throughout the episode, Zemar advocates for proactive measures, such as implementing patient advocacy programs and promoting transparency in healthcare costs, to address these challenges and support employees better.

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Butch Zemar dives into his scuba diving adventures, sharing valuable insights on pushing beyond basic skills and dealing with unexpected equipment malfunctions. Emphasizing the importance of proper training, safety protocols, and teamwork, recounting several challenging dives, including a leaking mask in 38-degree water on a sunken car ferry and a dry suit failure on a frigate dive to 190ft deep. These stories highlight the significance of preparation and adaptability, illustrating how divers can manage and overcome underwater challenges through continuous learning and practice.

Beyond scuba diving, Zemar also explores business challenges in this episode, discussing common mistakes and the importance of learning from them. He shares personal experiences of navigating business ventures, emphasizing the value of adaptability in the face of changing laws and market trends. Additionally, Zemar addresses recurring issues during benefits renewals, advising employers to plan ahead and remain open to innovative solutions. Through his diverse experiences, Zemar underscores the parallels between scuba diving and business, advocating for continuous improvement and strategic planning in both realms.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In this episode, Butch Zemar delves into his expertise in electronics troubleshooting, problem-solving, and benefits program management. He underscores the significance of intuition, experience, and creative thinking in identifying and resolving issues.

Entrepreneurs often encounter the same hurdles in decision-making and problem-solving when offering strategies for obtaining affordable, high-quality health insurance for employees. It is important to have a strategic approach to problem-solving. Listen in as we approach the next benefits renewal or any other business issue that needs a resolution.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In this episode, Butch Zemar shares his unpredictable and challenging experiences in the Navy, including his service on the USS Constellation. He discusses the pros and cons of partnering with a Professional Employer Organization (PEO) for HR outsourcing, highlighting benefits like cost savings, streamlined processes, and access to a larger employee pool. However, there are potential downsides. Check out this podcast!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The recent podcast episode explored various topics centered around fatherhood, fitness, and personal wellness. Jason Priest opened up about his own journey, discussing how overcoming addiction and depression led him to a newfound purpose in helping others—a lifestyle program tailored specifically for men, focusing on fat loss and sleep improvement.

The discussion emphasized the importance of surrounding oneself with positive influences and making sustainable lifestyle changes. It also stressed the significance of sleep, stress management, nutrition, and fitness in achieving sustainable weight loss goals.

The conversation also touched upon the societal factors influencing lifestyle habits, particularly in the context of fatherhood. The challenges faced by dads, including time constraints and lack of support, and emphasized the importance of accountability and personalized coaching in achieving fitness goals.

Furthermore, the podcast delved into the cultural issues surrounding family dynamics and childhood obesity.

In conclusion, the episode underscored the transformative potential of prioritizing health and wellness, particularly for busy dads. By simplifying fitness goals and providing personalized support, programs like those discussed in the podcast offer valuable resources for individuals looking to make positive lifestyle changes. Interested individuals can access additional resources and support through the program's website or contact information provided.

Visit Jason Priest on LinkedIn or visit https://thefatherhoodexperience.com/.

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In this episode, Butch Zemar delves into the crucial role of data in decision-making processes across various industries, drawing from his diverse experiences in the military and the tech industry. He underscores the importance of leveraging data to inform strategic decisions while acknowledging the potential pitfalls of relying solely on data, such as encountering inaccurate information or basing decisions on false assumptions.

Challenges are associated with making decisions based on incomplete or inaccurate data, offering insights into troubleshooting methodologies in the technology and medical fields. Drawing parallels between these domains and business operations, he emphasizes the significance of creativity, intuition, and data manipulation in problem-solving endeavors.

Furthermore, the discussion extends to the realm of financial data accuracy and its implications for decision-making within the workplace. Butch highlights the repercussions of CFOs relying on inaccurate data for decision-making, leading to uncertainty in predicting outcomes and negotiating health plan renewals. Advocating for transparency in pricing and data sharing, he underscores the importance of equipping decision-makers with accurate and comprehensive data to enhance negotiation outcomes.

New data requirements for employer-sponsored health insurance plans that elucidates the challenges faced by employers in budgeting for employee benefits without access to relevant data and suggests strategies for leveraging expense reports to gain negotiation leverage. With impending regulations mandating employers to document their analysis and actions taken based on new data, Butch emphasizes the importance of compliance to avoid penalties.

In light of these regulatory changes, there is a paradigm shift among small employers reevaluating their group health insurance plans. While acknowledging the adaptability of insurance companies to these changes, he anticipates a future landscape characterized by increased transparency and improved outcomes for stakeholders.

In essence, this episode serves as a clarion call for businesses to prioritize data-driven decision-making processes, emphasizing the transformative potential of accurate and transparent data in navigating complex operational landscapes. By leveraging data effectively, organizations can enhance their strategic agility, mitigate risks, and drive sustainable growth in an increasingly data-centric business environment.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Butch Zemar and special guest Alex Toler take listeners on a deep dive into the often-overlooked realm of risk management within the employee benefits industry. Drawing from Alex's extensive property and casualty insurance background, the conversation illuminates the critical need for effective risk management practices in safeguarding employees' health and financial well-being.

One of the key highlights of the episode is the exploration of the transition from fully insured to self-funded health plans. Butch and Alex dissect the challenges and opportunities inherent in this shift, underscoring the importance of cost-control measures and employee engagement strategies. They also delve into alternative approaches to employee benefits, such as direct contracting with healthcare providers, shedding light on innovative solutions to address longstanding issues in traditional benefit programs.

Throughout the episode, practical action items emerge, including the continuation of local event aimed at educating local employers on benefits solutions. The discussion also touches upon expanding the event to accommodate more attendees, indicating a growing demand for knowledge in this space.

As Butch and Alex emphasize the importance of providing affordable healthcare solutions for local employers, the conversation transcends mere theory, offering tangible insights and real-world examples. From empowering employees with greater control over their benefits to fostering loyalty through quality healthcare offerings, the episode serves as a beacon of guidance for employers navigating the ever-evolving landscape of employee benefits.

In essence, this episode encapsulates the essence of proactive risk management in the employee benefits industry, illuminating pathways to enhanced employee well-being and organizational success. Through engaging dialogue and actionable insights, Butch Zemar and Alex Toler pave the way for a future where risk is not just managed but leveraged for transformative impact.

Alex Toler can be reached on LinkedIn. Or by calling 314-440-5951.

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In this episode, the discussion revolves around the challenges inherent in the American healthcare system, as Butch Zemar critiques its structure and operations. The conversation touches upon various issues, including rising costs, affordability, and fraudulent billing practices, shedding light on the systemic flaws perpetuating these problems.

The impact of the Affordable Care Act (ACA) is attributed to increased costs and reduced commissions for health insurance providers due to its implementation. He argues that while consumer demand plays a role, systemic issues such as abuse and neglect within the healthcare system significantly contribute to the unaffordable costs that consumers and providers bear.

A key theme throughout the health insurance is the lack of transparency and accountability in healthcare billing practices. Butch discusses how providers often maximize charges, leading to unexpectedly high bills for patients, while also highlighting instances of billing mistakes and hidden fees encountered in personal experiences and interactions with clients.

The discussion extends to strategies for small businesses to mitigate healthcare costs and increase revenue. It is important to learn the healthcare process, asking questions, and negotiating with providers to achieve cost savings. This podcast includes actionable advice tailored to businesses of varying sizes, urging employers to evaluate loyalty to insurers and brokers to ensure they are providing leverage to control costs effectively.

In essence, the episode serves as a call to action for stakeholders within the healthcare system to prioritize transparency, accountability, and fair practices. By challenging assumptions, advocating for fair fees, and exploring alternative cost-saving strategies, Butch Zemar offers a roadmap for navigating the complex seas of healthcare in America, ultimately aiming to empower employers to take control of their healthcare expenses and improve the financial well-being of their businesses.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In the latest podcast, Butch Zemar tackles the ever-evolving landscape of Human Resources (HR) in small and mid-sized companies, shedding light on the intricacies of adapting to external factors like the Affordable Care Act while navigating shifting client demands and ethical considerations.

The episode begins with Butch delving into the transformation of HR strategies, driven by legislative changes such as the Affordable Care Act and market trends. While advocating for equality in the workplace, Butch acknowledges the hurdles in achieving this vision, particularly in the realm of HR.

A focal point of the discussion revolves around the outsourcing of business tasks to consultants. Butch explores the benefits and challenges of hiring external expertise for various needs, ranging from legal counsel to CFO services. Amidst the shifting tides of the health insurance industry over the past two decades, Butch emphasizes the crucial role of brokers in providing value-added services beyond insurance sales.

Throughout the episode, actionable insights emerge, urging brokers to embrace transparency in disclosing costs associated with providing services and advocating for clearer communication and responsibility delineation between brokers and employers. Butch highlights the ethical considerations surrounding the collection of high commissions by payroll companies for benefit administration services, underscoring the importance of brokers equipping themselves with knowledge of alternative options.

In essence, this episode serves as a compass for brokers and employers alike, navigating the complexities of HR in the modern business landscape. Through candid dialogue and practical recommendations, Butch Zemar paves the way for a future where clarity, transparency, and ethical responsibility reign supreme in broker-employer relationships.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode, Butch Zemar explores the importance of leveraging technology and implementing cost-containment strategies in the healthcare industry, particularly for middle-market companies. He emphasizes the need to embrace automation in benefits enrollment, ensure accuracy, and prioritize HR and benefits compliance. Here's a breakdown of the discussion:

Introduction:

Butch Zemar underscores the significance of embracing technology and automation to streamline the benefits enrollment process for small and mid-sized companies.
He highlights the challenges associated with paper-based enrollment and the benefits of transitioning to technology-driven solutions.

Embracing Technology in Enrollment:

Zemar discusses the importance of utilizing technology and automation tools to manage employee benefits and streamline the enrollment process.
He emphasizes the efficiency gains and accuracy improvements achieved through technology adoption.

Employer-Sponsored Healthcare:

Highlights inconsistencies in company culture and processes that hinder successful initiatives, despite efforts to change through consultants.
We stress the importance of accuracy in benefit enrollments and the increasing demand for HR and broker assistance in the process.

Auditing Insurance Invoices:

Employers should regularly audit insurance invoices for accuracy, especially for products like dental, vision, and short-term disability.
Leveraging technology to streamline the audit process and avoid overcharges or undercharges will reduce man hours and stress.

Streamlining HR and Benefits Compliance:

Designating a main contact person for benefit packages within a company is crucial for efficiency.
Zemar recommends outsourcing tasks to third-party administrators or HR outsourcing firms to streamline compliance efforts and minimize legal risks.

Action Items:

Expand Lead Benefits team to accommodate growth opportunities.
Consider adjusting benefit plan renewal cycles to alleviate burdens during peak periods.
Conduct periodic audits of benefit invoices to identify discrepancies and potential savings.
Prioritize HR and benefits compliance to avoid legal fees and penalties.

In conclusion, this episode underscores the importance of embracing technology, ensuring accuracy in benefits enrollment, containing healthcare costs, and prioritizing HR and benefits compliance for organizational success.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode, Butch Zemar reflects on the significance of support roles in the military and the challenges military veterans encounter during their transition to the civilian workforce. He emphasizes the importance of discipline, teamwork, and support in both military and civilian contexts. Here are the key points discussed:

Introduction:

Butch Zemar shares his military experiences, highlighting the diverse roles and responsibilities within the armed forces.
He emphasizes the value of discipline, teamwork, and adherence to military bearing.

Military Roles and Discipline:

Zemar discusses the importance of support roles such as maintenance and supply in the military, underscoring their critical contribution to overall operations.
He reflects on instances of disobedience and the need for discipline and order within the military.

Challenges Faced by Veterans:

Transitioning from the military to the civilian workforce poses challenges for veterans, including the need for structure and discipline.
Zemar shares his own experiences as a veteran in the workplace and advocates for better support and understanding for veterans.

Action Items:

Create a playbook to guide clients towards better health insurance results.
Utilize resources such as elitebenefits.net/playbook to initiate the playbook creation process.
Stop settling for mediocre health insurance renewals and implement strategies for improvement.
Watch for signs of emotional struggles in veteran friends and coworkers, and provide support when needed.

Conclusion:

Zemar emphasizes the importance of providing veterans with the necessary structure and support to thrive in the workplace.
He advocates for proactive measures to improve health insurance outcomes and stresses the value of acknowledging veterans beyond generic expressions of gratitude.

In conclusion, this podcast highlights the importance of honoring military support roles, supporting veterans in their transition to civilian life, and taking concrete steps to improve health insurance practices.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode, Butch Zemar delves into the intricate dynamics of the broker-employer relationship in managing employee benefits. He addresses common misconceptions among employers regarding the role of brokers and emphasizes the significance of clear communication and understanding of responsibilities throughout the year. Here are the key insights:

Introduction:

Butch Zemar sheds light on the complexities of managing employee benefits and the pivotal role of brokers in this process.
He highlights the importance of bridging the gap between employer expectations and broker responsibilities.

Employer Responsibilities:

Responsibilities and risks associated with providing employee benefits programs, particularly for small and mid-sized businesses.
Employers often view health insurance as a means to provide affordable coverage, while brokers manage the intricacies of the process.

Broker-Employer Dynamics:

Brokers are essential in assisting with managing a Benefits program, but do not handle day-to-day tasks.
There is a discrepancy between employer expectations and broker compensation, with brokers facing cuts despite rising premiums.

Financial Management and Expectations:

Benefit consultants or advisors charge fees for both planning and ongoing management, emphasizing the value of their insights and guidance. Traditionally these are baked in the premiums as a form of commissions.
Employers need to understand that brokers provide consultation and insurance products, but ultimate responsibility lies with the employer.

Action Items:

Obtain a copy of the contract between the insurance company and the broker to clarify roles and responsibilities.
Employers need to reconcile invoices for accuracy and verify enrollments to ensure proper billing.
Communicate directly with employees for enrollments, terminations, and open enrollment.
Seek broker consultation for intellectual knowledge, guidance and strategic planning, not day-to-day tasks.

Conclusion:

Zemar stresses the importance of clear communication, signed contracts, and ongoing consultation to ensure successful outcomes in benefits management.
Employers must take proactive steps to verify enrollments, reconcile invoices, and leverage broker expertise throughout the year.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode, Butch Zemar dives into the pressing challenges faced by midsize companies in managing healthcare costs and benefits. He sheds light on crucial strategies and proactive approaches that can help mitigate these challenges and drive cost-effective solutions. Here are the key takeaways:

Introduction:

Exploring the complexities of managing healthcare costs and benefits for midsize companies.
Underscoring the need for proactive measures, technology adoption, and strategic cost control.

Insights:

Understanding the provider network and leveraging brokers emerge as essential strategies for cost savings and effective cost management.
Errors in benefits administration are prevalent, emphasizing the necessity for more efficient solutions.

CFO's Role:

Butch highlights the critical role of CFOs in analyzing health insurance benefits, often overlooked or delegated without adequate attention.
Proper analysis by CFOs is pivotal for achieving cost savings and generating revenue.

Action Items:

Take accountability for controlling healthcare costs.
Embrace technology for streamlined open enrollments.
Conduct thorough cost analyses akin to other major business expenses.
Invest time in understanding healthcare costs and collaborate with appropriate partners.
Seek brokers proficient in optimizing renewals to counteract rising healthcare costs.
Facilitate collaboration between HR and CFO for balanced renewal priorities.
Explore non-traditional options for cost-effective coverage.
Develop long-term strategies for sustained cost control.
Invest in expert teams for significant cost savings.
Evaluate network access alongside premium reduction efforts.
Request detailed financial reporting from insurers for informed decision-making.
Acquire a playbook for effective healthcare cost reduction strategies.

Legal Implications:

Employers must comply with the Consolidated Appropriations Act to avoid penalties, emphasizing the importance of legal adherence.

Conclusion:

Butch urges businesses to shift their mindset and seek professional assistance to combat rising healthcare costs effectively.
Analyzing financial reports and embracing proactive measures are paramount for achieving sustainable cost control.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Kate Dileo is no stranger to us on the podcast and marketing of your company's brand. Success is achieved by adopting methodologies that are the least resistant to revenue. Listen in to Kate as she shares more on the Brand Trifecta, your playbook, and how you can gain access to her program at your own pace.

For more information about the Brand Trifecta program, please visit Brandtrifecta.com. You can also reach Kate Dileo on LinkedIn.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode of the Zemar Podcast, Butch Zemar discusses strategies for saving employers money on health insurance. Ken Wosczyna joins him, and they delve into various topics related to healthcare costs, renewals, self-funding, and employee incentives.

Connect with Ken Wosczyna on LinkedIn.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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In this episode, host Butch Zemar is joined by Grayson Owen to delve into executive disability insurance (DI) topics. Grayson, a specialist in individual disability insurance, shares insights on bridging the gap in coverage for executives and business owners. With extensive experience in the insurance industry, Grayson emphasizes the importance of addressing gaps in coverage to protect individuals' income and business interests.

Key Points:

Grayson Owen's Background: Grayson shares his journey into the disability insurance space, highlighting his transition from advanced life insurance planning to focusing on employee benefits and eventually becoming a disability insurance specialist.

Executive DI Topics: The discussion focuses on the three main areas of DI planning: income protection, executive disability programs, and business succession planning risk management.

Disability Buyout Planning: Grayson explains the significance of disability buyout planning for business owners, emphasizing the need for insurance coverage to facilitate buyouts in case of disability.

Scatter Graph Analysis: Grayson introduces the scatter graph as a tool to visualize coverage gaps for executives and key employees, emphasizing the importance of identifying and addressing these gaps in disability insurance planning.

Executive Disability Broker Toolkit: Grayson discusses the development of a toolkit aimed at assisting benefits consultants in selling executive DI programs, providing resources to streamline the planning process, and educating clients effectively.

Industry Designations: Grayson highlights the value of industry certifications like the Disability Income Associate (DIA) and Disability Income Fellow (DIF) designations, which offer comprehensive training in disability insurance.
Closing Remarks:

Grayson Owen's expertise sheds light on the critical aspects of executive disability insurance planning, underscoring the importance of proactive measures to address coverage gaps and protect individuals' income and business interests. Stay tuned for future episodes diving deeper into DI topics.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Key Points:

Affordable Healthcare: Many seek cheaper healthcare options but overlook opportunities to save money.
Generic Drugs: Despite their potential affordability, generic drugs aren't always priced as such.
Provider Discounts: Providers may resist offering PPO discounts for cash payments, impacting affordability.
Financial Accountability: Healthcare isn't an unlimited credit card, urging for financial responsibility.
Big Pharma Profits: Wendall Potter exposes how big health insurance companies profit massively, often through government programs.
Lack of Transparency: Pricing estimates and ranges in healthcare leave consumers in the dark.
PBMs' Role: Pharmacy Benefit Managers (PBMs) are major profit drivers for insurance companies.
Cost Control: Controlling healthcare costs is crucial for sustainable healthcare systems.
Healthcare AtoZ: Insights into revenue value to physicians offer transparency into healthcare finances.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Nobody cares... Just do your job. The world we work in has become mediocre at best. We become lazy and complacent in our craft. We need to do better.

Ignorance is bliss. But don't use it as an excuse.

The odds are not in our favor in this fight. Even the insurance companies and providers are gaming the system. Start taking responsibility for things and do the work.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Be the outlier. Most outliers in history only stepped up when they felt they had to take action. They would have said no if you asked them before that situation happened. Leaders are stepping up every day to make positive changes. This occurs in war, sports, and business.

We took a trip down history when outliers in the health insurance world stepped up to make things better for all. Industry outliers today are trying to create a movement because they see the future as better outcomes while saving your company money. You should be the outlier for your company and make the changes now.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most employers and CFOs are shooting with a bad eye. They keep missing their targets. Change your tools to work with your good eye.

Healthcare customer service is rated the worst. Big names don't change anything. Why? Check this out. There is no return on their investment, but they will still make money—a lot of it. No accountability up and down the chain. It's explained here in this podcast.

Listen until the end with some ideas for 2024 if you are under 50 employees.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Running a business can be challenging, especially to turn a profit. Think for a moment that you pay back all your debt, have cash in the bank, and can take profits and do whatever you want with the money.

Rachel Siegel from Go Figure Accounting joins us with ideas about building higher profits than you imagined possible. Listen in as Rachel shares some of the frameworks needed to achieve higher profits.

Rachel recently released her new book "Profit First for Optometrists" which is available on Amazon.com.

Rachel Siegel and Go Figure Accounting can be found at gofigureaccounting.net.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Most owners, CFOs, and HROs don’t want to invest the time in a benefits renewal to save money. They demand it; they think they control it, but they have no leverage.

What if you were paid $16,000 per hour to invest time in your benefits renewal? That’s more than anyone is paid, especially those responsible for the company benefits program and the company's financial well-being.

If the ROI on the time invested exceeded 5 to 1, maybe 10 to 1, would you give it the time it needs to start reversing the trend of the benefit spending of the company?

Go invest the time!

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Hospitals do not depend on government-funded health plans. Employers are the driving force due to health plans overpaying for healthcare. Nearly double!

At the same time, employees pay 20% more for healthcare out of the paycheck, meaning they take less home.

Listen in as we dive into cost analysis, which shows that only 26% of CFOs look for new ways to control costs. Three-quarters of CFOs should be fired for looking at costs the status quo way... Hopefully, they will listen to this podcast before they realize they have a fiduciary responsibility; otherwise, they will be penalized.

For more information, please contact us at EliteBenefits.net or call 708-535-3006.

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Businesses make mistakes when it comes to advertising. They miss the opportunity to connect with their potential buyers. Join Butch with an interview with Donny Byrant Jr., Financial Copywriter and Copy Consultant, where we talk about taking your business to the next level in gaining attention from potential prospects.

You can find Donnie Bryant Jr. on LinkedIn, or visit Donnie-Bryant.com

For more information, please contact us at EliteBenefits.net 708-535-3006

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Are you willing to go through the much-needed work to have better outcomes? Lester J. Morales from Next Impact joined us to discuss the Transparency Movement. Employers all over the country have been viewing the benefits the same since the beginning of time. It is time advisors need to do a better job. The current model doesn't allow for transparency. Now is the time to start asking the harder questions. You don't want to miss this podcast.

To learn more, reach out to Lester J. Morales on LinkedIn, or visit NextImpactLLC.com

For more information, please contact us at EliteBenefits.net 708-535-3006

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Dan Edison joins us on the mic to share his hockey journey, the connections, and his purpose for funky socks! Hockey is a unique sport. You have instant connections that make friends for life.

Dan shares more than just hockey; he shares passion with purpose. The passion for the sport, the kids of the youth hockey community, and the Chicago Diabetes Project.

Dan gears up for the Chicago Marathon 2023 to raise money for the Chicago Diabetes Project. Join him in a round of golf at the ToeDrag Apparel golf outing event to have fun, make connections, and give back for a cure for Type 1 diabetes.

To connect with Dan Edison, visit him on LinkedIn.

For more information on ToeDrag Apparel, their Shinny Skins, Celly Shirts, and the golf outing, please visit https://www.toedragapparel.com/.

Give for a cure for Type 1 diabetes with the Chicago Diabetes Project. https://www.chicagodiabetesproject.org/

For more information, please contact us at EliteBenefits.net 708-535-3006

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Are employees leaving your company? Benefits programs are tough to tangle. You might be on the wrong path. You may need a new compass. You can see if you are off your target with the right updated tools.

In this podcast, you will learn not only how to use a real compass, but to see if you are off on your own target or goal for your benefits program. If you don't correct your course soon, you will miss your target completely, and may even be out of business.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Many of us are overwhelmed with happiness when we are around Justin Schmick. He is known to buy a beer and give a high five or two. His daily viral dad joke videos have created an outreach beyond any small-town insurance agent's imagination. Justin shares with us the day he went viral on the internet and how he started an insurance agency. Justin's story is inspirational by hard work and laughter.

Check out Justin's daily videos on LinkedIn or Facebook. If you are in WI and looking for an insurance agent, find out more here: https://www.schmickagency.com/

For more information, please contact us at EliteBenefits.net 708-535-3006

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Perception is usually our reality. But is it?

For years we are given a false reality of our Benefits Program based on how we are taught to perceive it. CFOs who have skin in the game knows they cannot control what they don’t see. Others just avoid it.

Benefits costs are going to double in the next seven years. Are you ready?

Ask your CFO if they forecasted a budget to meet the demands of the spiraling costs of the benefits program. You may not be surprised by their answer.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Hockey players are cut from a different cloth. In this podcast, @Ken Wosczyna shares with us about goals, risks and rewards, teamwork, and being disciplined. Join us and learn how being a hockey player has helped businesses have more predictable renewals.

To reach out to Ken Wosczyna, reach out on LinkedIn: https://www.linkedin.com/in/ken-wosczyna

For more information, please contact us at EliteBenefits.net 708-535-3006

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The game has changed again. Employers and C-suite executives, roll up your sleeves. You now have more financial skin in the game. You could be sued or penalized for taking the status quo benefits renewal.

What is your plan to take responsibility to avoid setbacks, make costs reasonable, and provide better benefits for your employees?

In this episode, you will need to step up your game, Mister CFO, CEO, and owners/Partners.

Enhance the hiring process, which includes your benefits broker.
Better reporting mechanisms for data
Internal training to enforce a code of conduct
Create a framework for better outcomes
Foster a culture of accountability

The Consolidated Appropriations Act 2021 is going to be the next biggest challenge for employers since the Affordable Care Act of 2010. As an employer, the executives of the company will have to have more skin in the game. Will you?

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Fire your CFO! If your CFO is not sitting at the table with the benefits broker/consultant and HR, then they should be fired. Why? They are letting the health carrier, or even the broker/consultant, charge too much for a benefits package.

The proof is in the data. Where is your data?

Listen to this podcast and discover how deep the data can go for the renewal. We even review broker compensation models, when you should pay more, and when to pay less.

If your CFO isn't looking at the financial data of a health plan, then you should fire them.

Renewal Checklist

Elite Benefits Playbook

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Ever wonder what it takes to make the professional leagues in baseball? Meet Troy Viola. Despite the setbacks from Covid and an injury in his first professional league game, Troy is disciplined to come back and be a leader on his team.

Troy knows something about discipline and hard work, which shows on the baseball field. Whether it’s focusing on your swing or defense, Troy sees the light in professional ball playing.

Listen in while Troy walks us through his journey to professional baseball. That childhood dream of playing in the major leagues. Troy is just on the edge of making it. Join Troy in his path to Major League Baseball.

Connect with Troy on LinkedIn.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Strategy is everything, and at the same time, it could be nothing. Sometimes, you have to change your strategy to change your outcomes.

Employers often keep handling the benefits renewal the same way, Every. Single. Year. At the same time, they expect different results.

Insanity.

Listen in to hear about changing your strategy. Nothing happens overnight. Start now, start today. Change your results to align with your goals.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The biggest reason employees leave their jobs is due to culture and benefits package. Employers are tasked with being creative when getting their employees to become loyal to their company.

If you determine ways to engage your employees more, they will enroll in more benefits offerings. Ultimately, they become more productive in the workplace as a result.

Join Chris and Butch as they talk through this Shopping Spree idea to get employees engaged and have better outcomes for the company. Meet the employees where they are at.

Reach out to Chris Wolpert on LinkedIn. Visit Group Benefits Solutions at https://gbsbenefitsgroup.com/.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Middle-market renewals are underway, and activity is increasing here in the agency for our clients. Ken and Butch discuss ways employers can control their benefits spending; even small changes can make a big difference.

If your benefits spending is one of your top three line items on the profit and loss statement, you need to listen to this segment.

To reach out to Ken Wosczyna, reach out on LinkedIn: https://www.linkedin.com/in/ken-wosczyna

For more information, please contact us at EliteBenefits.net 708-535-3006

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Jason Treadwell has been a long-time friend of Butch Zemar. Jason took time to share some thoughts on Venture Capital or Investor funded start-ups. A lot goes into these start-ups. Having the right advice from someone experienced goes a long way.

How to scale with no revenue
Expanding a company with revenue
Market behavior changes to look for

Reach out to Jason Treadwell by calling 773-569-1982 or visit TreadwellConsultinggroup.com

For more information, please contact us at EliteBenefits.net 708-535-3006

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Chris Wolpert joins in to talk about Modernizing health plans in the workplace. The industry has had it wrong for years, teaching CFOs, HROs, and owners how to buy their benefits program. Now it's time to modernize your renewal.

CFOs need to start challenging the renewal, not accepting it. Many decision-makers, including Human Resources, accept the status quo and live off brand loyalty. Brand loyalty is a one-way street.

Reach out to Chris Wolpert on LinkedIn.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Chris Wolpert joins me in talking about boosting employee engagement and increasing enrollment numbers. It all starts with meeting the employees where they are at.

Reach out to Chris Wolpert on LinkedIn. Visit Group Benefits Solutions at https://gbsbenefitsgroup.com/.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Life and business can be fearful to achieve greatness. According to Tyler Williams, embracing fear is the key to unlocking your potential. Tyler uses a 5-minute formula to work through your fears to create a better you.

Listen to the interview with Tyler Williams as he shares his experience as a country singer and race car driver and how he faced his fears. Tyler also shares his story on how he met Tony Stewert, NASCAR driver.

Download your copy of the 5-minute Formula at 5minuteformula.com

Reach out to Tyler here on LinkedIn, as well as Instagram @TylerWilliamsLive

For more information, please contact us at EliteBenefits.net 708-535-3006

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Keeping things where they are to save your job when you have money savings at stake should be criminal. CFOs who have never seen a benefits expense report to analyze data for benefits trends of the company's benefits spend should also be criminal.

Middle-market companies are renewing their health plans right now, and most don't look outside of a square box for answers. HR does not want to upset the executive board or the employee base. Yet at the same time, they could be overspending by $300,000 a year; multiply that by the last ten years, and you have millions of dollars overspent. Is your HR worth about $3,000,000 to keep the status quo?

I would think not.

We just did a webinar on LinkedIn: Predictable Renewals with Ken Wosczyna.

Start on the right path and see how you score with your Elite Benefits Playbook here.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Where is technology taking benefits administration systems (BenAdmin)? What kind of capabilities does it have for your business? Simply the process. Listen in as we discuss how the BenAdmin systems have evolved.

Group Benefit Solutions eliminates out-of-pocket costs while guiding employees to the highest quality healthcare. For more information on Group Benefit Solutions, call 253-228-8336 or visit gbsbenefitsgroup.com.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Let your open enrollment be more effective by leveraging technology. Meet better timelines, increase enrollment rates, and engage your employees more. Listen in as Chris and Butch discuss ways technology works.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Inflation is hurting businesses more than ever. CFOs are looking at strategies to grow the company and control overall costs. Yet they delegate the third highest expense to middle management. Human Resources does not have a financial incentive for the company’s bottomline. It could be costing you hundreds of thousands of dollars just so your CFO can ignore it.

As much as 50% of your healthcare plan could be wasted or abusive spending. How would you know? If you don’t, then how would you control it?

Listen in to these key takeaways for your benefits renewal this year to help control your healthcare costs and be more accountable.

For more information, please contact us at EliteBenefits.net 708-535-3006

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We have our expectations set too high, especially when it comes to healthcare. Insurance is about spreading risk for sudden expensive claims, not predictable ones. Healthcare isn't the only place where expectations are not met. Try Scuba or even putting up a pool in the backyard. Check out this podcast so you don't get caught in the blame game

For more information, please contact us at EliteBenefits.net 708-535-3006

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Everyone is so busy these days to keep up with our health. This is why we asked Kaitlin to join us on the podcast to discuss how we can achieve better health. Having a process that starts where you at today will only make you more successful in your journey.

Listen in to Kaitlin as she shares about the process to better health. This three-step process will help you achieve the results you have been looking for.

Listen in today!

Reach out to Kaitlin Borncamp on LinkedIn.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Payroll and HR isn’t what it used to be. The last 3-5 years has change a lot for employers. Dave Wills from BBSI brings us up to speed on what employers should know when evaluating payroll and HR. Throw insurance in the mix and how do you grow your company?

Listen in as we discuss employer solutions.

Reach out to Dave Wills on Linked in, or call 708-927-0085.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Employers are having issues with taming their medical renewals. What are the key indicators for these issues in a benefits program? Price shopping is the answer, either. What will it take to make things more predictable while providing employees with plans?

Ken shares that the average fully-insured medical premiums have increased 68% in the last 11 years. He shares a manufacturing company case study. This company had declining health premiums!

Listen as Ken shares ways to simplify the traditional health insurance supply chain for employers, creating predictable and transparent renewals. Don't miss this episode!

To reach out to Ken Wosczyna, reach out on LinkedIn: https://www.linkedin.com/in/ken-wosczyna/

For more information, please contact us at EliteBenefits.net 708-535-3006

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What does a spoiled little rich kid do?

Expect someone else to pay the bill. Damage that brand-new car? They replace it. Need money for a trip or to buy a new toy, they just give it.

With health insurance, many Americans are "spoiled little rich kids" as well.

They become demanding, thinking everything should be covered, just as the spoiled kid would do.

What is health insurance?

What is NOT health insurance?

How was Health Insurance Created?

We are moving towards a provider and insurance company dominate world.

But how?

Listen to this episode to find out why!

For more information, please contact us at EliteBenefits.net 708-535-3006

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Medical claims can be nerve-racking. It’s like a fencing fight with the Purple Unicorn 🦄 of the universe.

We share more case studies* on claims and how they were resolved. Insight from these will help you save thousands of dollars at claim time. Don’t be left out of this one!

We discussed a class action lawsuit against a national carrier you might want to know about.

Ask questions to know more about your claims!

*A couple of the case studies were from a publication by Marshall Allen. I don’t take credit for them. Please see Marshall Allen’s publications.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Once again, the eye in the sky doesn't lie. When we get caught up in our work, we eventually feel trapped. When reviewing your benefits plan for your company every year, it feels like there is no end in sight. You are forced to take the higher costs no matter what.

Sometimes you have to look at things through a different lens; a different angle.

Most employers feel their plan designs are limited by their own budget (Employee Benefit News). This is a result of passing more out-of-pocket costs to the employees.

According to the Kaiser Family Foundation, forty-one percent of employees carry medical debt.

It's like a double edge sword.

We talk about a case study about changing current plan designs with a purpose that can bring overall savings. The money is real. Listen in!

For more information, please contact us at EliteBenefits.net 708-535-3006

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Transparency is not just a buzzword. You have to back it with integrity.

What is a PBM - Pharmacy Benefit Manager?
How do you control your costs?
Avoiding the conflict of interests with PBMs.
PBM Trends

For more information on TrueScripts, you can visit TrueScripts.com, or contact your Insurance Advisor. You can also reach out to Ali Goodwin on LinkedIn.

For more information, please contact us at EliteBenefits.net 708-535-3006

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What's the rush, right? The rush is 30 days before your health plan renewal, and you are trying to get the open enrollment off the ground in a panic. This is why having a mid-year review is so important.

In this podcast, we review some of the things you should be discussing and reviewing for your mid-year review. These things will save you money and make processing your open enrollments and new hires and terminations easier. HR compliance is becoming a more significant issue for employers, and fines are coming. Get ahead now with this review!

For more information, please contact us at EliteBenefits.net 708-535-3006

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No one ever goes from start to finish overnight. When we train to run, we never start with the finishing run. The same goes for business. We have to go against the grain and make progress to get there. Bailing isn’t an option. You have to stay the course to better passages. Some stay the course they are on and end up bankrupt. Listen in for this $60,000 in savings case study.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Some employers toss their hands up regarding certain things in business, some more so than others. There has to be some skin in the game to understand what's going on to operate a business.

There comes a time when you need to outsource things, but it does not take away from learning how it works.

You have to learn the code; learn how it works. It's not rocket science, but it takes some effort.

It's the basic need to understand what is going on around you.

In this episode, learning how to move around a Navy ship is no different than learning how to do things in business. Then when is it time to outsource to gain access to the expertise you don't have? Essentially buying the knowledge so you can operate your business better. Move your business to the next level, don't give up.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Consistency. It’s everything to produce results you desire. It doesn’t matter if it’s a scuba expedition, raining for a 50 mile ultra run, or in the workplace. Consistency is the most important thing to get you from point “A” to point “B”.

In this episode I share what happens when things are not consistent. Inconsistent long runs. Inconsistent scuba training. Inconsistent HR administration. All of them can cost you something. Listen in so you can be a better HR manager or employer to minimize risk of having issues with the Department of Labor.

For more information, please contact us at EliteBenefits.net 708-535-3006

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This episode is Part 2 of the Interview with David Greenwalt. David takes us to the workplace and how it takes a Village to make a wellness program work. Do not replace what you have, but enhance it for better outcomes. These strategies will produce better results for the employees, making them more productive for the company.

Executives want to lead their people. They cannot lead to the best of their ability without changing their priorities. Nutrition and exercise does not have to be number 1, but at least number 3, and you will achieve great results for yourself and the people around you. Your success will help your employees do more for themselves and the company.

Lose the weight one more time, for the last time.

Please visit David Greenwalt on LinkedIn, or visit LLUniversity.com for more information.

If you are looking to enhance the wellness program at work, please visit Lifestyleatwork.com.

For more information, please contact us at EliteBenefits.net 708-535-3006

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We live in a world of constant demands. Where do we get our "why power" to make better decisions? Many of us overconsume ultra-processed foods to the point that it becomes addictive without even knowing. The new normal in America is soon to be obesity. Do you want to be "Normal"?

David walks us through how we got to the dilemma we have had with nutrition and exercise over the years. With nearly 43% of the US being obese, how do we make the right changes for the last time?

This episode discusses foods, your "why power," intermittent fasting, and protein! The conversation was so good that we had to make two parts out of the interview!

Visit David Greenwalt on Linkedin, or visit LLUniversity.com for more information.

For more information, please contact us at EliteBenefits.net 708-535-3006

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As an HR leader, it's frustrating when you feel your benefits package administration is time-consuming and wish it could be easier.* Rhett Robbins from Butler Benefit Group shares some of his experience and knowledge about automating the workload regarding benefits. Check out this episode to start saving time and money for your business.

Rhett Robbins is a Registered Employee Benefits Consultant (C). Butler Benefit Group is a Florida agency helping Florida companies increase profitability through an automated process for benefit programs while controlling healthcare costs. For more information on Rhett or Butler Benefit Group, please visit them online or at CallBBG.com.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Daniel Wells from ClaimDoc joined us in studio for this episode. Daniel shares his experience in risk modeling, know drivers when it comes to the industry and improving outcomes.

In this episode, Daniel walked us through his experience in the industry leading up to ClaimDoc. Cost savings and better outcomes is the main objective along with healthcare trends that you need to know. Listen in to the cast study of huge savings for the employee at claim time.

Reach out to Daniel on LinkedIn. You can visit ClaimDoc on their website for more information.

For more information, please contact us at EliteBenefits.net 708-535-3006

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Once you see it, you cannot unseen it. Things will stand out more after this podcast!

Butch’s first hockey game
Pick up your head to see it
Identify the holes
Its not a broker sponsored plan
The compliance side of benefits

For more information, please contact us at EliteBenefits.net 708-535-3006

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We live and die on principals. If we keep hearing the same thing over and over, regardless who is saying it, we become convinced it’s the right way to do something. But what if it’s not?

Insurance consultants don’t always come through with the spotlight. But are they doing enough?

Listen in to find out what core values your broker should have. Do they have any at all? Or is it just an appearance?

What are your core values?

For more information, please contact us at EliteBenefits.net 708-535-3006

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Want different outcomes? Change who you associate with. New ideas don’t come from old sources. Employees feel no loyalty from their company. In fact, more employers are sticking it than with higher costs. At the same time tell the employees they are valued.

Listen to these steps to find different sources of information so you can start seeing things differently. Once that happens, you will start making progress to a better benefit program, retain your best employees, and profit more!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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You cannot wing a benefits program for your company. It also doesn’t fall 100 percent on your broker. What is your broker role? What is your role as the employer? Listen in and find out!

Bonus: big hockey weekend, benefits compliance, and overcoming billing issues!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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When scuba diving, the current can sweep you off the shipwreck. How do you get back to safety? How do you know you'll return to the surface and get back to the boat? The same is with business. Remove the roadblocks you put in place to ensure you move your business to a better place.

Are you going to stay home, ships in a harbor? When a storm comes, all big ships move out to sea; they don't stay home in the harbor. Business can take you by storm if you let it. Use these steps to get you back on track.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Expense is going to be a hot topic in 2023. Healthcare costs aren't going down, and premiums are reflecting. Perception is everything at the same time. Military Grade is different for different people. So is healthcare and the costs associated with it. Find out in this podcast - if it costs more, do you receive better outcomes at the healthcare providers? Overbilling is real. Find out what would happen by merging markets.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Try having your open enrollment meeting in the snow! New experience for everyone. Do not wait until the last min for open enrollment meetings. Try a strategy to move it back 30 days than normal. This will cause you to stretch a little, it’s something new. Everyone can go into the holidays knowing that they are still not in the open enrollment.

Create a process to get the renewal and open enrollment meeting done early
Enhance the benefits you currently have in 2023 - even outside of the open enrollment
Leverage benefit administration systems so you can save money and time (a lot more than you think!)

Elite Benefits Formula is a process to create the ultimate employee benefits playbook. This benefit playbook will help your company get ahead of the trend. 2023 is your year, so get your playbook today! EliteBenefits.net/Playbook

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Corey Clark shares a glimpse of his playbook for small and medium sized companies. These companies tend to follow the next shiny object and then give up. We leverage traditional and digital marketing at the same time. Listen in to find out why content is still big with 2023 trends.

Reach out to Corey at CoreyClark.co or corey@coreyclark.co

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Butch starts with a chipped bone story and getting access to care. Some questions change the direction of care.

Case Studies from SHRM, Transparency Health Benefits, and the CDC.

Get out of the rat race with employee benefits with this to-do list!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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According to a recent report by Health Affairs, fifteen to thirty percent of healthcare spending is administrative. Fifty percent of that cost was deemed wasted spending.

At some point we need to control spending. The Affordable Care Act created a financial incentive to spend more on healthcare due to the insurance companies profiting more as a result. Driving our premiums up in the meantime!

How do we fund healthcare?

How does it get spent?

Find out on this episode!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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When something is new, it's all about baby steps. In the military, a term was called the "Pucker Factor". It is slang for the level of stress and adrenaline in response to a crisis, change, or danger. Many times in business, we experience this pucker factor far too often. When trying scuba, it is there from the word 'Go!'.

In this episode, Butch walks us through what it's like to try scuba diving. It's a process, not an event. You jump in when we do resort courses, and it goes really fast. Anxiety is high, to begin with, and now you are being rushed. Listen in as he takes you through the process of trying scuba at your own speed.

The same thing with your benefits program. You have to be ready for change, or you will fight it and continue to keep doing what you are doing with no results. Believe there is a better way. And there is.

There is a process to getting better results. Butch walks us through the process of a better benefits program. But first, you must believe there is a better way than what you currently do.

Listen in!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Butch starts out with a little history of diving. Scuba has a history like no other. As time passed, changes made it better for everyone in all aspects of the sport. The underwater world is the safest it has been since the origin of scuba diving.

The business of benefits consulting has its own set of changes, some for the better and, unfortunately, some for the worse. The Affordable Care Act drastically altered how most benefits brokers did business.

Change is happening right now in the business of benefits consulting. A divide we haven't seen. It will be hard for most and easy for some.

Listen in as Butch describes the business model slowly developing in our industry. Some will say - this change has been going on, and many are doing it now. Butch takes it further in this Podcast, saying they are not going far enough. It will leave some uncomfortable both for the insurance agent and the employer.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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We are natures of habits. We do the same thing over and over again. The industry taught you how to shop benefits. You have to establish new routines to save money and achieve better results.

Start the renewal / open enrollment process early
Embrace technology
Automate enrollments and terminations
Get data from tools to get better outcomes
Case Study from Marshall Allen
Get your Checklist
Whats your benefits score?
Payroll Company’s can be guilty for being hypocritical

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The Navy Aviation world has taught Butch Zemar a thing or two about compliance. He walks us through a process the Aviation world goes through to remain compliant. With open enrollments here, stay on top of the benefits compliance to avoid any compliance or violations.

Some of the items discussed in this episode:

Better outcomes
DOL Case Study
Open Enrollment and New Hire Disclosures
Pre-tax document requirement
ERISA Wrap Doc
5500 Reporting
and much more…

This podcast is used as informational purposes only. Some of the things mentioned in this podcast could be dated or incorrect based on your situation or said in error. Please reach out to Elite Benefits or seek benefits consult for advice.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Chris Spanier walks us through how traditional marketing still exists with digital marketing. The business models for marketing are very different today, and knowing how to do both will work to your advantage. In this episode we learn:

Traditional vs. Digital Marketing
Value in Fractional CMOs
Case studies
Jump out of an airplane to get over the fear of heights
The story of Lord Chris

For more information on Chris and the Carpe Diem Consulting Group, Visit Carpediemconsultinggroup.com or email Chris at chris@carpediemcg.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Ever feel like your marketing falls apart? Jason Finn with Geek Chicago fills us in on how to craft pillars to keep your marketing up and going. Jason walks us through the process of marketing your business, whether you are in Real Estate, Insurance, or just a small mom-and-pop.

Elevate Your Marketing Game
Individual versus Company Branding
Content Pillars of Marketing
The Game of Poker - Broadcaster
Learn to play Poker

A quick update on open enrollments 2023!

To reach to Jason Finn, for marketing jason@geekchicago.com

For real estate: jason@jasonlends.com

or call 773-979-9499

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The world is changing, and so is the benefits world. Listen in to some of the changes employers and brokers are facing. Change is the only constant.

In this Podcast:

Change is the only constant
Inflation Reduction Act
- Rx Discounting for Medicare Beneficiaries
Employers need to consider medicare options for their medicare eligible employees
Questions you should be asking your brokers to make sure you are getting good advice
Devil is in details

To find out more, reach out to Carrie and her team at Horizon Benefit Services please visit horizonbenefitservices.com or call 847-746-6115.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Build better organizational habits with Colleen Klimczak, a professional organizer. This podcast discusses building good habits and having a landing and launch pad for your essential items. When are the items and tasks enough, and when is it too much? Sometimes starting with "organizational 101" is an excellent way to go about it. Turn your piles into files.

For more information or contact Colleen Klimczak, please visit Peaceofmindpo.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Alan Stern has taken marketing to the next level. You do not want to miss his "Live From the Lot" episode reviewing new cars that just hit the lot. Alan makes car buying so smooth, you'll brag about it.

Alan also takes us down the path of how to market our own businesses, solo or a company with employees that need to promote your product or company. Take your marketing to the next level.

Be sure to visit www.UltimateUsedCarCheatSheet.com or visit Alan on all the social media outlets. Look for the guy in the suit in the picture...

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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What is it like to dive to 390ft deep on a shipwreck? Dive into a deep shipwreck dive with Butch. For such a dive, there are roles and responsibilities. Each one is a key component to a successful outcome.

Same thing for a benefits program for the workplace. It is an Employer Sponsored Plan, not a Broker Sponsored Plan. The brokers have a big role in the process, but the employer is the one who lives on to tell the story of the deep shipwreck.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Old habits die hard. Especially for Veterans. Veterans come out of the military with habits that live on forever. They never seem to go away. Some are good, some not so good. For some of us, it also taught us to be outliers.

Listen to Butch's story about when he was nominated as Benefits Broker of the Year in 2014. Butch was one of five in the country. The publication labeled me as an Ex-Navy Seal. Check out this podcast for the details and the outcome of the scrutiny he faced.

Update: Since this podcast's recording, the publication responded to my recent inquiry to fix it. They have removed it from the website once again. Thank you. - Listen in to find out more on this!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Take a dive into Haigh Quarry as Butch takes you through some of the attractions. Navigating without a compass isn’t an issue with some training and practice you can do or. Same will go with navigating medical claims.

Mid year review can save you cash.

Don’t be passive on claims.

Get your scorecard for your company now!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Butch walks us through a real ER visit for one of his kids on vacation. Be logical not emotional. Get cost savings and real advice in this podcast.

In this episode:

Summer vacation ER visits
Mid-year renewal strategies
Consultant fees are here

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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You and your broker are probably asleep at the wheel. In the Navy, collisions happen at sea, and from Butch’s perspective, it’s because of two reasons:

Lack of training
Being complacent

Many employers and brokers have become complacent at what they do for the benefits program. Some are trying to do something and learn along the way and that’s great. A lot are not. Accepting the status quo as is and just complain about it.

In this episode Butch talks about:

mid-year reviews
keep things tight and make adjustments
Avoid your own version of a collision at sea
beware of the agent/agency - average age is near retirement - may not be up to date on information or coasting and taking the chance you will stay with them

To gain a copy of the checklist, please visit EliteBenefits.net/checklist

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In the military, we had Checklists. The checklists were created over time from the publications that required us to maintain a standard of operation. In the aviation world, it saved lives. In the business world, we profit more.

In this episode, I walk you through a case study that saved a company over $100,000. It goes right back to the bottom line.

Find out areas where you are overspending
There are areas you need much improvement
Focus is on better outcomes, not repeating the same thing over and over

To gain a copy of the checklist, please visit EliteBenefits.net/checklist

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Scuba Diving is fun, but even in clear waters vision can be impaired. Employers and CFOs are suffering blurred vision with the great resignation going on. They skip the biggest expense on the profit and loss statement. Look into changing how you do things so you can increase your benefit package and increase wages for your current and new employees. It’s costing you money by waiting.

In this episode:

Shipwreck diving story…
Blurred vision by those who can take action (Hint: CFOs and owners)
You’re in financial pain, what are you going to do about it?
Action items for those responsible for controlling expenses.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Meet my son, Caleb. His hockey coach calls him "Cannon". Find out on the podcast why!

The great resignation is hurting employers all over the country. Many employers get in their own way trying to fix it. I walk you through streamlining the process, freeing up cash to increase your benefits and compensation packages to your employees so you can attract and keep hardworking employees.

After listening to this podcast and you want to see where your company stands, please complete an assessment to get your score report. EliteBenefits.net/Scorecard

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Sims enjoys making music and spending time with his family. His workday is filled with streamlining enrollments and engaging employees to have better outcomes and save the employer money.

In this podcast:

Covid forced employers to move to more advanced enrollments
More engagement with employers and their employees
Working with an expert
Making music! (check out music channels on this guy!)

To reach out to Sims Tillirson, check out his contact info on LinkedIn.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Chow lines on a Navy ship can be long, especially if it's a holiday such as St. Patrick's day. No green beer, but green aviation. Employers need to get their green too. Move to the Elite Benefits formula and start saving some green.

In this episode:

The Navy's Sat. Patty's day
Luck of the Irish at sea
Employers get your green
Savings with the Elite Benefits Formula

To get your Benefits score, go to EliteBenefits.net/Scorecard

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Scuba diving is my favorite sport for sure - outside of watching my kids. Like many sports, it can teach you lessons about life and business. There is definitely a dark path to avoid in sports and in business. Check this episode out and see how you are probably on the dark path and how you can get out.

In this episode:

Scuba story about contingency and guidance
Employers should not go in it alone - avoid the dark path
Leverage other people's experiences
EliteBenefits.net/Formula to get your step by step report
Updates on Compensation disclosures
- Brokers will start invoicing for their services - just a heads up

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The employee benefits space has evolved over the years. How employers approach, it has also changed. Bill Hammett from Hammett Insurance Marketing took us through alternative options to traditional major medical and their advantages.

William Hammett can be found on LinkedIn as well as hammettmarketing.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Healthcare is an issue for many. The system is performing exactly the way it was designed. Take these steps to grab control of the claims.

Know the system and how it works
Know the claim process
Know the hidden costs
They have incentives to spend more, don't be fooled!
Steps to take control of the claims

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Many businesses struggle to keep up with their work let alone expand their business to the next level. Businesses all over the globe, small and large, do not have end-to-end processes of their businesses. If you are looking to take your company to the next level, you need to listen in on some of the take ways from Amanda Russo from Cornerstone Paradigm Consulting (CPC) in this podcast. Amanda shares with us some of the steps to take in order to start moving your company to the next level. * Symptoms can be part of a larger issue at hand * Going through a full review * Making merging companies work together to move forward * CPC TV * Giving back

For more information on Cornerstone Paradigm Consulting, please visit CPCchangeagent.com. To reach out to Amanda Russo, or check out the CPC TV, please visit Amanda on LinkedIn. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Marshall Allen shares insights from his new book, Never Pay the First Bill, and other ways to fight the health care system and win! The health care system is working exactly how it was designed. Allen provides the manuscript on how to fight back on the providers with unfair billing practices and exploiting people's sickness for profit. In this episode: * Know when to pay the bill. * Sue in small claims court (outlined in the book) * Overbilling - lookout for it. * Upcoding * And much more...

For more information, please visit MarshallAllen.com. You can also connect with Marshall Allen on LinkedIn. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The benefits industry is full of lack of transparency. Let's take a deep dive into how the employer is buying benefits wrong. Eric Silverman from Voluntary Disruption walks us through how it's all about communication, engagement, and technology, then you have your benefits package.

Learn the 4 types of brokers
Avoid the one option sales rep
Say no to the "two-faced" brokers (listen in to this one!).

For more information, visit Eric Silverman on LinkedIn: https://www.linkedin.com/in/silverman... Visit Voluntary Disruption: https://voluntarydisruption.com/

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Employers, Chief Financial Officers, and Human Resource (HR) struggle every day with the cost of maintaining an employee benefits program. Find your Wolpertinger and get rid of the Jackalopes!

Chris walks us through his book, Hit Zero!, on how to get away from the traditional ways of employee benefits renewals. Start getting positive results for your employees!

Reach out to Chris Wolpert on LinkedIn. Visit Group Benefits Solutions at https://gbsbenefitsgroup.com/.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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More regulations for the broker, but this could be a game-changer. Brokers are now required to disclose their compensation to their clients. Check it out:

Direct and indirect compensation
The good, bad, and the ugly
Free services that should actually be paid for by you, the policyholder/employer
Get what you are paying for in your premiums or directly to the insurance broker
Know the expectations and boundaries of the scope of work and the compensation

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Offer plans that will allow you to attract the talent needed to grow and be profitable. There are a lot of options to pick from. Strategizing from a cost standpoint will take care of the benefits.

Types of Health Plans to offer
Not your daddy's HMO
Strategize to offer the best benefits package for your company

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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This podcast took me down memory lane a bit. The Military has a lot of good lessons for life and business. Structure and order are a big deal for the military. This can be brought to your HR this first quarter of 2022. Dive in now!

2022 planning for 2023
Improve the process now, not later
The biggest fire in history and what they did about BEFORE it happened
Supply chain audits
At home COVID-19 testing at no cost to your employees

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Updated:

A quick shoutout to some veterans that came to mind during the podcast. Open enrollment is underway. How is your's going?

Employees are waiting for their benefits package to determine their employment for 2022.
Open Enrollment Updates
Fee Disclosures are coming for Brokers; Employers
Shout out to my fellow veterans!

Happy Veterans Day!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Updated 1-14-2022

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Everyone is always working to move their business to the next level. Going from a small to a mid-sized company can be super hard without the right help. Carlos Savas joins us to provide some insight in moving to a mid-sized company, taking it to the next level or planning that exit.

Strategize to the max!
In-house CFO
Outsourced CFO
Adjusting during current times
What is important to look for when looking to outsource CFO work
You need to focus on these items to move your business to the next level
Controller versus CFO
Embracing the growth mode - Path to $5 Million to $50 Million
Exit planning strategies

To find out more information on today's topic, please reach out to Carlos Sava at 608-338-5112 or email carlos.sava@procfopartners.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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A lot going on at Elite Benefits. Open enrollments are underway. Be ready for 2022!

Ultra running is a real thing. Finished at 32 miles. Next year 50 miles!
Elite Benefits office updates
Renewal updates
Small Employer strategies
Individual / Family policy update
Variable hour employee tracking
Prepare for the open enrollment
Get timelines with your broker
Insurance agents! If you need help sue to the vaccine mandate, call us! We have resources for keep selling.
Stay in compliance with these 3 items in 2022

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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A lot going on in the 4th quarter of 2021 - Employers are more willing to look at options to save money. Are you receiving those options?

In this episode:

Updates on open enrollments
Key deadlines
Community rating (ACA groups) are not scalable
Old School or New School?
Current benefits programs work against employers - Change it!
Case Study - Save money!
Compare your renewal with at least one other insurance company proposal
Start learning about your options with Level-Funded / Self-funded proposals
If you can save money, but you stay where you are, how will you ever know?

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Former Ironwoman, Anabel Lopez walks us through how businesses can take data from their company, apply the right technology, and profit more.

Billion-dollar company case study
Business analytics you can use
Budget is the destination
Forecasting your goals

For more information on Cumberland Irving, or to reach out to Anabel, reach out on LinkedIn, or email alopez@cumberlandirving.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Robert Slayton is making waves doing the right thing for Employers and their benefits program. In his new book, The Healthcare Manifesto, he walks CFOs, Owners and Employers through what it takes to reverse the healthcare costs in an easy to read format. Pick up your copy today!

Who is Robert Slayton?
The Healthcare Manifesto, the book
Do your research on doctors!
Risk comes in 4 categories
Using a Medical Managment Company and what do they do for you to control costs and outcomes
Broker compensation models that works against the employers interests
What if you were over paying your broker and didn’t know it?
Best Selling book

CFOs, owners and employers need to read this book. Pick up a copy today or schedule a meeting with Robert at 708-535-3006 or visit EliteBenefits.net

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Sarry Ibrahim shares with us business owner and employee strategies to leverage your returns without taking away from traditional investing. Integrating the bank on yourself revolution will give you the ability to have tax-free returns.

For more information or to reach Sarry, please contact him on LinkedIn.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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A lot is going on for the renewals and open enrollments this year. Lots of moving parts. Businesses are past COVID and ready to forge ahead. All renewals are in-house through Jan 1st, 2022.

Medical Loss Ratios
80/20 Rule
Cost control backlash
Adverse effect to affordability
Insurance companies increase profits through increase of claims
Ask questions, many questions
Brannigan Chiropractic - Lunch in the Workplace!

Increase the tools in the war chest! Have options. Have the right tools!

CFO’s need to stand up to the challenge against the status quo renewals out there. Get the itemized billing you request for all other expenses. If you cannot get it with your health plan, you are probably in the wrong health plan for your benefits program.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Lynette from Supporting Strategies Chicago Southland shares her insights into the Business Fundamentals Bootcamp coming up on October 29th, 2021. There is a golden nugget for small businesses in the Chicagoland area.

The event takes place on October 29th at the Elements Conference Center in Orland Park, IL. I'll be speaking along with other business leaders on topics such as marketing, finance, law, and human resources.

The Bootcamp is designed especially for CEOs and CXOs of growing small businesses, with a focus on the tactical and operational know-how that you need to manage your business.

To redeem your ticket register here. There is limited space, so the event may sell out! Use ELITE50 for 50% savings off your ticket.

Important notice re COVID-19: Please note any interaction with the general public poses an elevated risk of being exposed to COVID-19 and we cannot guarantee that you will not be exposed while in attendance at the event. We encourage you to follow the venue’s safety policies, as well as local laws and restrictions.

To reach out to Lynette DeRose, please visit her on LinkedIn or visit https://www.supportingstrategies.com/

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Medicare is complex and guidances is always helpful. Leveraging an industry professional will save time and money. Jason Denniston form MedicareIndy.com walks us through just that.

Jason shares experience with claims and ACA transitions
Passion for the industry
Planning for the Medicare annual open enrollment

To reach out to Jason, please visit MedicareIndy.com or email at Jason@medicareindy.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Businesses need to protect what is theirs. Copyrights and Trademarks are a good thing for businesses. Chip fills us in on the ins and outs of some of these protections. We even made it fun to talk about some Trademarks that did not make it through the registration process. There are many that do. Listen in and find out how to protect your property as you grow your business.

To reach out to Chip De Preter, Check out LinkedIn or email. Or Call 312-755-3153

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Employers and insurance brokers are always looking for a cutting-edge for the employee benefits programs. Listen in to the interview with Paul Aemisegeo as he discusses The PEO Exit. These tips need to be written down now!

Human Capital Management
Broker-driven products are favored by employers
Why go to PEO's
The PEO Exit
Discovery questions of the process

Connect with Paul on LinkedIn. Please visit Payrollmart.com

Download your renewal checklist here.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Benefits renewal season is here! Grab your coffee, a pen, and a notepad and jot down these notes. Get ahead of the curve for your open enrollment.

Mid-year renewal case study
How to calculate your risk
Give the power back to the employees with their benefits
Cost control measures for the CFO/Owners
What is a Successful Benefits Renewal?
Options for employers of different sizes
Challenging the renewal process
What is new for 2022
Commission Disclosures for Brokers
- Accountability for both the broker and the employer
- new fee schedules coming soon

Download your renewal checklist here.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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David Blake is a great friend of many and the admired originator of the Flip Flop Philosophy(R). David uses this to inspire and make an impact on others with his coaching, retreats, and events. Take your passions and talents and use them to achieve success.

Listen in...

Guy falls in a hole: lessons from 6 feet under
The shocking medical story, recovery, and beating the odds
Innovate Like a Rockstar
Reunited your team
Island life escapes

To contact Dave and sign up for your 1 min escape and Coconut Chronicles, please visit DavidBlakePresents.com.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Feel the energy when Chris speaks about passion and love for people, especially his family. Do not miss this episode! What drives success and fulfillment is right here. Stay tuned until the end for must-hear insurance updates!

Preview from Chris:

Love people, love yourself
Entreprenuership: Cantaloupe stands
Passion for changing peoples lives
Serve and help other people
Giving back through centers of influences

Stay tuned until the end for the latest insurance updates you don't want to miss!

To find out more about the giving back event, visit Chris's posts on LinkedIn here. You can also sign up online.

To reach out to Chris Johnson, please visit LinkedIn.

For your Elite Benefits benefits scorecard, please visit here.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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The number one request for a podcast is who is Butch Zemar… Here it is. Butch takes a walk down memory lane as well as shares some of his personal and professional life. Don’t miss this one!

Hear some scuba adventures
Bringing back the Navy days!
How the ScubaButch brand was born
The hockey life
Family life (Much appreciation goes to Butch’s wife!)
And much more… Listen in now!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Most employers, CFOs, and HR professionals dread the employee benefits renewal. It's painful! But it doesn't have to be. Find out how you score with your Employee Benefits Scorecard now!

In this episode:

Scorecard evaluation areas
- Strategic Planning & Design
- Healthcare Costs & Funding
- Leveraging Technology
- Compliance Issues
Avoid your typical renewal
Simplify the process
Leverage new plans that make renewals better, easier, simpler and save money!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Tracy Enos was top of her class in the US Navy. She brings the same level of enthusiasm and expertise to businesses leveraging the power of LinkedIn. Bring your LinkedIn to the top of the class.

Professional profiles
Boost your exposure with the Featured section
Be the solution to your prospects/client's problems
LinkedIn tips you must here now!

Connect with Tracy Enos on LinkedIn. Get the latest tips and your 23 Point Profile Checklist here.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In this episode, Ben Krambeck from Claim Doc shares some insight in reversing the healthcare trend through claims. Find out how your traditional employer-sponsored health plan is driving healthcare costs up!

Is a better way? Listen to this podcast and start saving!

Claims are soaring after the Affordable Care Act (ACA)
The fully insured plans blindside employers at the renewal
Network discounts are the purple unicorn of the universe
Double billing tactics to watch out for
Line by line claim audits
Two case studies that set the example of over-billing claims and billing mistakes
And more…

For more information on Claim Doc and their services, please visit Claim-doc.com. You can also ask for more information through your broker or third-party administrator.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Eric Wilson joins in on the Insights From the Experts on a variety of topics that will save you thousands of dollars. Listen to this now and start savings:

Claim expenses
Telemedicine
Pricing transparency
Match the Explanation of Benefits (EOB) to the Provider Invoice
Worldwide Mail order for prescription drugs

Eric Wilson can be reached at iSellHealth.com or 815-372-1363.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In this episode, I go through your options as an individual or family responsible for your own health insurance. Even some small group options.

Health Insurance vs. Healthcare
Break free from the handcuffs of the employer - Entrepreneurial
Health Insurance vs. other insurance products we buy
Cash payments to providers
Options for those paying their own health insurance
- On-exchange vs. off-exchange
- Short Term Medical Insurance
- Christian Ministry med-share programs
- Hospital only plans
- Single employee group option
Small-Group special enrollment options
- No participation requirements
- No employer contribution requirements

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Creating a fan base can be challenging for businesses. Frederick Dudek walks us through the steps he takes his executive clients through to align the key components to create Business Superfans!

In this episode we talk about:

The 3 components that drive business
Client retention methodology
Being creative when reaching out to prospects and customers/clients
Working a co-marketing strategy that brings in business you want

Find Frederick on LinkedIn. Visit Businesssuperfans.com reserve a copy of the book today and save!

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Laura Balson with Constangy discusses what employers should be looking at as we have employees return to work, vaccinated or not. Check it out here! * What to do when your employees return to work * CDC VS OSHA? Steps employers should go through with covid and their employees * 1099 vs W2 with employees returning to work Noncompetes for previous employees Find a good attorney to fit your needs and budget

Reach out to Laura today for additional information: Email lbalson@constangy.com LinkedIn For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Justin Breen talks us through solving the problem that annoyed him for years being a public relations specialist to create a formula for a successful global company.

Simplify and see the patterns that work
At the highest level, there is no competition
Live in abundance

For more information on Justin Breen, visit him on LinkedIn or visit BrEpicLLC.com

Group Health Renewal Update by Butch Zemar

Group renewal checklist
Scorecard for your business - where do you stand?
125 document update (Pre-tax benefit)
ERISA wrap document update
HR Checklist

American Healthcare Plan Act

Cobra update
Taxpayer healthcare subsidy update

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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In this episode, we interview Devon Harris, retired military, former Three-Time Olympian, and one of the original team members of Jamacia's first Olympian Bobsled team.

Devon shares his insights on:

No task is too difficult, no obstacle is too great
The power of visualization
The 5 P's to Keep On Pushing
The scoreboard does not always show the wins
The Keep On Pushing Foundation
And much more...

Please visit Devon Harris on Linkedin, or his website at DevonHarris.com.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Having the right mindset is everything. Andy Neary shares his insight in branding and storytelling to win all the business you want.

In this episode, Andy shares:

Tying the right mindset to the right marketing strategies
Shift to storytelling about your prospect and less about you
Keep the focus on the prospect to avoid failure
Be the superhero
Building a story framework

For more information, visit Andy Neary on LinkedIn. You are welcome to visit the Broker Branding Exsellence community here.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Recording from March 2020

There is a lot going on with the Covid-19 virus. Employers are looking for help managing health insurance while letting employees go. Employees are going crazy because they could lose their job if they haven't already. Then figuring out health insurance on top of it. Look no further. Health Insurance Specialists, Eric Wilson, Jason Denniston, and Butch Zemar walk through a conversation to help.

Explore all your options
Income is a driving factor for any premium tax credit
Pros and cons for hospital plans
- You need to package it right to minimize financial exposure
Watch out for the purple unicorn of the industry

Eric Wilson 815-372-1363 iSellHealth.com

Jason Denniston 260-213-3323 DennistonInsurance.com

Butch Zemar 708-535-3006 EliteBenefits.net

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Want to increase your sales with ease? Kate DiLeo shares her insight into how she built a million-dollar pipeline. Catch it all on this episode!

Meet Kate, the "Accidental brand strategist"
Get your $1 Million pipeline
A better, simpler way to generate sales
Deeply resonate with your prospects
Discover the Brand Trifecta
Get your own Ennobble playbook with Kate!

For more information, please visit Ennobble.com or visit Kate on LinkedIn.

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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John Valle of TandemHR shares his 26 years of experience in the PEO industry. Is a PEO right for your company? Is it a good fit now? Listen in and find out!

What struggles do businesses have in HR/benefits admin, payroll
Dealing with the shift of how work is being done remotely
When is it good to have a PEO
When is it not good to have a PEO
Keep your insurance broker - work with a broker-friendly PEO

For more information on TandemHR or to reach John Valle, 630-280-7349 or jvalle@tandemhr.com

For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

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Are you a lawyer or business owner that wants to take their business to the next level without selling? Reach your full potential with some of these tips discussed with special guest Steve Fretzin!

Discover Sales-free Selling
Dive into Fretzin's 3 P's to hit your targets
Journal your way to success
Adapting to new opportunities
They did not teach you this stuff in law school

Check out more about Steve at Fretzin.com, or visit Steve on LinkedIn.

For more information on Elite Benefits of America or Butch Zemar, please call 708-535-3006 or visit EliteBenefits.net

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Early planning for the renewal is key to stay ahead. There are always things to chip away to make the benefits program better. At the same time, save money on premium and avoid compliance issues that could cost the business 10's thousands of dollars.

Case Study - Savings of 20%!
Evaluating time spent in planning
Write out goals and issues to help with planning
Review with your broker now
- Give us a call for a 2nd opinion

Interview with Chad Granger -PrimePay

Compliance is important
- Avoid the fines!
Compliance tool assessment
- Find your holes in compliance
Technology tools for employers to save time and money!

For more info about PrimePay, Please contact Chad Granger at cgranger @PrimePay.com or 518 312-8955. Also visit PrimePay.com

For more information about Butch Zemar and Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006.

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We all want to climb the ladder to the promised land. How do you stay Goal Focused to avoid the traditional roadblocks and keep an eye out for your blind spots?

Dr. Jeff Spencer, Cornerman, shares some insight into his 300,000 plus hours in high-performance training.

In this powerful interview, we discuss:

There are 3 types of advisers - which one will get you to where you want to go?
Staying focused in a busy world
The 3 Step Strategy
Having a champion's mind (not mindset)
Staying Goal-Focused
The Goal Achievement Road Map program
And Much More

For more information on Dr. Jeff Spencer and his programs, please visit BeforeYouWin.com and DrJeffSpencer.com

For more information on Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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This case study ends up saving over $50,000 in premiums. Plan Designs are just part of it. Listen in on how you can save on your employee benefits program! Also, listen in for the blind exposures of claims.

Blind Exposure - be sure you know how to track claims.
Surprised medical billing is just part of it.
Do not pay your next medical claim before listening to this! Listen in for the blind exposure.

Revenue Tied Life Insurance

What if you live too long, die too soon, or get sick in the middle?
A discussion on one-way buy-sell
A discussion on one-way disability buy-sell
Life insurance planning tied to revenue vs. personal income
Avoid disappointment trying to sell the business when the #1 asset is either down for the count or eliminated (hint, it's you!)

For more information, please call 708-535-3006 or visit EliteBenefits.net

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Businesses are always trying to tackle payroll. It is so complex and in need of support. You have to know who to go and are they willing to go the extra mile. Charles Read shares with us some insights into rolling up the sleeves over at GetPayroll.com and getting the job done!

A quick update on the Biden Subsidies - A lot going on
Former Marine Veteran, Charles Read, CPA discusses what small to medium-sized businesses should be looking out for
The Payroll Book - a must-have for every business
Why is the 125 Document so important for a business?
Making sure your documents are updated annually to avoid employer liability
Overview of overtime tracking
Tracking down the 'ghost' employees on payroll
Insight in a company that is willing to roll up their sleeves and get the job done for small to medium-sized companies in the United States

For more information about Charles Read, please contact cjr@getpayroll.com or call 972-353-0000. You can pick up a copy of the book today at thepayrollbook.com

For more information on Elite Benefits, please contact 708-535-3006 or visit EliteBenefits.net

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Insurance Brokers need to make their money, but how much is enough, and when is it not enough?

There could also be a chance you are overpaying for what you are receiving in return in terms of value and resources!
We are not a commodity!
Indirectly pay brokers through premiums to the insurance company
How do Benefits Insurance Agents really make their money?
Brokers could tend to "fake-it"
We bring resources to solve problems
What does a broker really make?
- The complete breakdown!
Are you getting all the value of what you are prepaying within your insurance premiums?

For more information, please visit EliteBenefits.net

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What is happening with this American Rescue Plan Act (ARPA)? Find out how you can tap into it!

High level overview of the ARPA
Advanced Premium Tax Credits (APTC) - it's taxpayer-funded!
April 1st is the "Go" Date for updating your APTC
The true cost of healthcare is still there, just masked with taxpayer dollars to lower your premiums
You may be newly eligible for the APTC
Cobra subsidy up to 100% under ARPA - found out how you can get it!

For more information, please visit EliteBenefits.net

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The biggest changes since the ACA was signed into law coming with the American Rescue Plan Act.

Another 50 mile ultrarun on deck!
The American Rescue Plan Act: stimulus money for healthcare premiums
An increase taxpayer-funded healthcare subsidies
Cobra taxpayer-funded Subsidies
Schedule your renewal meetings now! Get it done by August to help make things smoother in fall.
Be ahead of the curve!

For more information, please visit EliteBenefits.net

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Surprised billing, subsidies, cobra elections, Biden open enrollment and more!

History of subsidies part of ACA
What Biden is going to do about the subsidies
The Navigator failure
The Government is telling you what’s affordable
Know your options during the Election Period when you leave your previous employer
Cobra VS individual/family plans

For more information, please visit EliteBenefits.net

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A good previewing of discussions on The Zemar Podcast.

For more information, please visit EliteBenefits.net

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Save more money by leveraging Level-funded or Self-funded programs

Listen in to find out...

Why fully insurance (traditional health plans) is costing you more!
Community Ratings vs. Underwritten Rates
Have the data to help leverage more savings for the company
Make Health Insurance more effective through education
Intro to Captive Insurance Products

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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Do not miss these marketing tips today on the Zemar Podcast. Make 2021 your best year ever in business.

Learn what small and mid-sized (SMB) companies should be focused on for marketing
Direct mail is making a comeback
Avoid tunnel vision in your own world
Tap into the emotion of the buyer
Much Much more....

For more info on JimmyVision or to contact James DiMambro, go to JimmyVisionLLC.com or call 773-636-5521

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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The Biden Administration is changing things for healthcare. What’s good? What’s bad? Listen in!

What does this mean for you?
What is this not?
Short-term medical plans still in the background as a strategy.
What do we see on the horizon for healthcare in the Biden Administration?

Eric Wilson, iSellHealth.com (815) 372-1363

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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Do not learn the hard way at claim time. Know your pricing with transparency!

You need to be a wiser shopper of healthcare
Location could be key when shopping for healthcare pricing
Biden healthcare executive order and why Trump did not!
CFO getting more involved with employee benefits decisions
Steve Watson’s Trendbreakers Podcast talks about key moves employers can make
Open enrollment is done, start making it better next year now!
And much more!

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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The Affordable Care Act made a huge impact, but just how? Listen to what did happen, and what didn't happen. What's next in the Biden Administration with Healthcare?

What did the ACA really do?
Who did it help?
Who did it leave worse off?
Small Business Special Enrollment Period
Does Biden have a healthcare agenda?

For more on C. Steven Tucker's "Truth about pre-existing conditions", visit here.

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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This week we discuss the aftermath of open enrollments and how to leverage your insurance agent to get it done and fast.

How HR Professionals need help after open enrollment
AON Insurance did a claims study for 2020 related to COVID
Financing Future Claims with self-funding programs
Case Studies of clients saving time and money!
Much more!

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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New Year's Resolutions, New Changes Coming, Be a Smarter Healthcare Consumer

Current events 2021
Amazon's Haven Collapse
The insurance industry teaches itself how to purchase employee benefit programs
- the "status quo"
Transparency of pricing in healthcare
- New "Menu board"
Too much demand for predictable "insurance" in healthcare
Be a smarter consumer!

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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Interview with Jaime Van Buskirk at JVB Physical Therapy

If you are a weekend warrior athlete, you need to hear this
Post-surgery therapy
Adapting to COVID
Dry Needling
Insurance tie
- No referrals needed!
- Cash is king!
- Medicare
Get better now with JVB PT!

JVB Physical Therapy - 773-629-6875 jvbphysicaltherapy.com

For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006

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When Should You Start Planning For The Next Renewal?

The renewal planning process
Project-based improvements
Increase communication with the employees
Interview with David Matuszak, CFP

Disclaimer: This podcast is intended for information purposes only. Any advice or planning should be consulted with an insurance or financial professional.

David Matuszak, CFP - David.matuszak@sisfp.com - 708-645-8820

For more information about Elite Benefits of America or Contact Butch Zemar 708-535-3006 EliteBenefits.net

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The Zemar Podcast

Meeting Open Enrollment Deadlines
Communicate with employees
Required employer forms to stay in compliance
Interview with Kyle Altenburg at Hanley Realty

To contact Kyle Altenburg at Hanley Realty, call 708-277-3179 HanleyRealty.

Elite Benefits - 708-535-3006 or Click here.

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How health insurance works
Getting access to care
Have more skin in the game to control the costs
Gain control of claim issues
Interview with Dr. Joe Brannigan D.C.

For more information on the Brannigan Chiropractic Center, please visit Branniganchiropractic.com or call 708-966-4413

For more information on the topic or any other insurance product, please contact us, or call 708-535-3006

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Look at plan designs to control costs and bring down out of pocket expenses
Negotiating claims with the providers
Reimbursing employees for purchasing a private plan outside of an employer-sponsored plan
Trends we are seeing in 2021
Interview with Eric Wilson from iSellHealth.com (815)372-1363

For more information, please contact us at EliteBenefits.net 708-535-3006.

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Another shutdown in IL. Things are going crazy during the open enrollment 2021 with Covid. Everyone is zoomed out and potentially out of work. But what about your healthcare coverage?

We will go through the following in this Podcase:

Still time for a new open enrollment
COBRA or IL continutation
Special Enrollment (SEP) when a loss of coverage occurs
- Gain coverage through your sposue
- Gain coverage through the exchange
- Gain coverage through new employeement
Buyer Beware with alternative health plans to the "Obamacare" plans
Regardless of presidents, nothing is going to change with healthcare right away

For more information, contact us. 708-535-3006

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Updates on 2021 Open Enrollments
The Supreme Court Ruling with the Affordable Care Act
What Employers and Employees are asking for this time around
What to see going forward
Return to work COVID Checklists
What questions to ask when deciding on a health plan

For more information go to EliteBenefits.net

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There are increases going on for employer-sponsored plans in the Chicagoland area. Here are some tips on what you can do it about it during the 2020 open enrollment.

For more information and get your 2020 Open Enrollment Checklist, Contact us.

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More Insider tips coming your way

Plan Designs
Prescription Rx Savings
Worldwide Rx mail ordering
Educating the employees
Wellness programs
Think twice before going to the ER
And much more

For more information, please contact us. 708-535-3006

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Finding the right market to get your insurance can be tough. Here we talk through the key markets. Stick to what is best for you and your company. Brokers are the best choice.

For more information please visit https://www.EliteBenefits.net

For your open enrollment checklist, please contact us. Or call 708-535-3006

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There is no one size fits all solutions. You need to take calculated risks when you evaluate what options are available to you. Should you go self-funded yet? Maybe even add tax-incentives to reduce healthcare expenses? Check it out on this week's podcast!

EliteBenefits.net

To get your open enrollment checklist, please contact us.

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The 2020 open enrollments for small to mid-sized companies are going to be a little different than usual. There are some things you probably do this year that you usually overlook or skip. This podcast we share those things you should review this year that is a must. EliteBenefits.net Contact us for a copy of your small business Checkup.

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How did we get to where we are with Health Insurance? Where did it start? Who paid for it? Who is responsible for it today?

Insider tip - how do you save money at claim time? Listen in and find out!

EliteBenefits.net

To get your open enrollment checklist for 2020, please contact us.

The Zemar Podcast: Recent Episodes