Shabby treatment of those who leave guarantees poor morale, benefits consultants say.

Despite the multimillion-dollar cost of these voluntary programs, they pay for themselves in one to two years, sometimes three, benefits consultants say.

Her husband, Marco, 48, a benefits consultant for a health maintenance organization, is inside the nearby souvenir store.

The transfer plan has created a controversy among corporate executives, benefits consultants and unions.

But this small group is being studied closely by benefits consultants, policy experts and insurance companies.

But financial advisers and benefits consultants say the use of online advice is extremely low at many plans with which they are familiar.

But many benefits consultants who promote managed care say California should be a role model.

Her father is a corporate benefits consultant in New York.

Companies that have been paying the most will reap the greatest savings, benefits consultants say.

But by and large, benefits consultants say, they tend to have better plans.