A lot of HR professionals are still managing benefits with spreadsheets, email, and paper enrollment forms. Not because they prefer it that way. Because nobody told them their broker should be providing a better system at no extra charge.

Here's what modern benefits administration actually looks like - and what it should be costing you.

Here's a question worth sitting with: when's the last time your broker told you something you didn't already know?

If you're having to think about it, that's your answer.

A lot of HR professionals accept a bad broker relationship because they don't know what a good one looks like. They're not being served. They just don't know the standard is higher.

Here are five signs your broker isn't doing the job.