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Michael A. Ortoll, ARM |Founder, iPEO and JV Partner, BKS-Partners| mortoll@bks-partners.com INDUSTRY OVERVIEW The PEO industry is 30 years young with a bright future filled with opportunity and challenge. The industry is strong and growing with approximately $ 150B in revenue, 150K clients, and 3M+ employees. The market potential is enormous with 80M+ individuals employed by firms with less than 500 employees earning on average[…]

BKS Partners – Michael Ortoll, ARM In 2017, we saw a continued downward trend in Workers Comp (WC), including a reduction in premium rates overall, particularly in the large, loss-sensitive marketplace. Given the lack of deterioration in large WC carriers’ combined loss ratios, we expect similar aggressive targeting to grow market share in 2018. While returns for low-risk investment opportunities remain limited, the marketplace’s appetite[…]

If you know your personality traits, you can master career and life challenges that come your way. Whether you’re just starting out on your career journey or have been in it for years, knowing and utilizing your personality type can prove to be immensely beneficial to help you understand your most authentic self. You can find out what yours is by taking a personality test such[…]

The large rubber strip that I was speeding toward on the Ventura Freeway near Los Angeles looked easy enough to avoid. I swerved, but not enough. That strip was actually metal, however, and it ripped through my right front tire, which went spinning across four lanes of the freeway. Moments later, I was driving 80 miles an hour with one bare metal wheel, sparks flying.[…]

Millions of RDP endpoints remain exposed online and vulnerable to exploit, dictionary, and brute-force attacks. In a public service announcement published today by the US Federal Bureau of Investigation’s (FBI) Internet Crime Complaint Center (IC3), the FBI is warning companies about the dangers of leaving RDP endpoints exposed online. RDP stands for the Remote Desktop Protocol, a proprietary technology developed by Microsoft in the 90s[…]

Tech chiefs are worried by the threat posed by IoT devices, which could provide a new way of attacking corporate networks. The rise of the Internet of Things (IoT) has already sparked concerns about privacy: now security pros are worried that badly configured gadgets might provide a backdoor for hackers looking to break into corporate networks. The rise of the IoT could lead to all[…]

Among the devices Google announced at its big hardware event on Tuesday was the Google Home Hub, a Google Assistant device that resembles Amazon’s Echo Show by adding a screen to create what is essentially a smart speaker on steroids. As its name suggests, the Google Home Hub is supposed to be at the center of the connected home with the ability to control smart home devices[…]

It’s been a busy few weeks for cybersecurity researchers and reporters. There was the Facebook hack, the Google plus data breach, and allegations that the Chinese government implanted spying chips in hardware components. In the midst of all this, some other important news was overlooked. In early September, Apple removed several Trend Micro anti-malware tools from the Mac app store after they were found to be collecting unnecessary personal information from users,[…]

For the founders of Tampa, Fla.-based BKS- Partners, being nominated as Insurance Journal’s Best Agency to Work For by their employees is not only an “incredible honor” but also motivation to keep improving. “It’s such an incredible honor because to think that what we do and how we try to interact and engage with colleagues is meaningful – and it also puts a lot of[…]

Moral psychologist Azim Shariff believes that autonomous cars will be programmed to redistribute risk away from some people and towards others. “Consider an autonomous car that is deciding where to position itself in a lane – closer to a truck to its right, or a bicycle lane on its left,”said Shariff, an associate professor at the University of British Columbia in Vancouver. “If cars were always programmed to[…]

Make sure your home is covered before disaster strikes. One-half to two-thirds of homeowners who experience a total loss don’t have enough insurance to rebuild their home and replace their belongings, according to post-disaster surveys of homeowners by United Policyholders, a consumer advocacy group. Thankfully, most homeowners never experience a total loss. But when a catastrophic loss does occur, the gap in coverage can amount[…]

It’s no longer something you do, it’s who you are. Start enough good habits and you won’t just do better things … You’ll be a better person. You have a long list of things you know you should be doing regularly… But for some reason, you just don’t do them. What’s the deal? The solution is building habits. Doing hard things isn’t hard if you’re on[…]

Drivers may recognize the benefits of having blind spot monitoring, forward collision warning, automatic emergency braking, lane departure warning and other advanced driver assistance systems (ADAS) in their vehicles, to warn if a crash is imminent or to temporarily automate some functions. But while these safety technologies are becoming standard, most drivers don’t understand their limitations, and confusion about their proper function can lead to[…]

”Somebody once told me the definition of hell: “On your last day on earth, the person you became will meet the person you could have become.” — Anonymous Sometimes, to become successful and get closer to the person you can become, you don’t need to add more things — you need to give some of them up. There are certain things that are universal, which[…]

Cyberattacks cost more than natural disasters. Cyberattacks cost the world more than natural disasters — $3 trillion in 2015, a price that may climb to $6 trillion annually by 2021 if present trends continue. But most people — and even most businesses — don’t have insurance to protect themselves against this rising threat. Insurance against all kinds of risks — disease, disaster, legal liability, and more — is[…]

Calm people know that asking “what if?” will only take them to a place they don’t want — or need — to go. The ability to manage your emotions and remain calm under pressure has a direct link to your performance. TalentSmart has conducted research with more than a million people, and we’ve found that 90% of top performers are skilled at managing their emotions in times[…]

It’s that time of year again: open enrollment. This annual rite of passage is when employees — or anyone in a state health insurance exchange or individual marketplace — can sign up for or make changes to their health insurance and other benefits. Employees often greet open enrollment with a collective groan, seeing it as just one more thing to add to their ever-expanding to-do[…]

Studies show that employee engagement is extremely impactful to a company’s bottom line. Engaged, motivated employees are productive and successful—which can lead to a great deal of customer satisfaction and repeat business. The following reasons are why employee engagement matters to a business. Improved retention rates. Employees who are engaged with their career are less likely to search for a new job than their disinterested[…]

1. Securities Class Actions on the Rise Securities class action lawsuits are on the rise, and data show this will likely persist in 2019. IPOs are a consistent target for securities class action litigation. Adding to this dynamic is the recent decision in Cyan v. Beaver County Employees Retirement Fund. In this case, the U.S. Supreme Court decided unanimously that federal class action lawsuits brought[…]

The rich don’t just have more money than the rest of us; they have a different mind-set. IMAGE SOURCE: GETTY IMAGES. There are nearly 10 million households in the United States with a net worth of between $1 million and $5 million. The U.S. added 600,000 new millionaire households in 2017, up more than 6% from 2016. It’s good to see so many people building[…]