How important is a third-party buffer against disgruntled employees?
If a self-insured program is established and operated properly, there is little reason to anticipate serious problems with disgruntled employees. A program established on a reasonable, easily understood basis will eliminate most problems before they start, since often employee dissatisfaction arises due to poor benefit communications. In other words, the disgruntled employee often simply does not understand what benefits are being provided and how the plan works.
