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.

If I had a dollar for every business owner who walks into a conversation thinking health insurance is going to cost $700 or $800 per employee per month, I'd have a lot of dollars.

That number is almost always wrong. Off by 40 percent or more. And almost always in your favor.

Here's what's actually going on -- and where that number really comes from.