It seems as though every other article I read, webinar I see advertised, and sessions I find listed on conference agendas is about technology. You would think the industry had been asleep for decades and suddenly woke up in the year 2015 to an unfamiliar world. 

Technology is being accused of everything from simple profit erosion to the industry equivalent of Armageddon. Wherever you are along that spectrum, I have some news for you: It's not about the technology, it's much, much bigger. 

The technology and technology companies (yes, I mean Zenefits) have been hailed as innovative. And, in many ways, if it were as simple as innovation, your job would be relatively easy: simply copy the "innovator." But it isn't that simple. You see, there has been no real innovation. Versions of the technology we are seeing have been around for decades, and the play of "I'll give it to you for free if you make me your broker" is the oldest one in the playbook.