As many companies enlist brokers to help them filter vendors, it's ultimately the broker who needs to be responsible for the companies and products he or she recommends, as well as their impact on plan design and the company's bottom line.

The challenge is particularly acute in today's population health and wellness space, given the sheer number of options available—from complete, integrated platforms to programs on everything from sleep management to mindfulness, to the breadth of mobile health and biometric devices.

Making a decision based on “imperfect” information (aka, marketing collaterals) or on backward-looking data (claims data versus wellness data) can lead to very expensive mistakes.

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