The Zemar Podcast

In this episode, we tackle everyone’s favorite workplace fantasy: achieving long-term goals without sacrificing lunch breaks, sanity, or the sacred Slack meme thread. From health insurance horror stories to motivational gym metaphors, it’s a brutally honest look at why your benefits plan (and your personal growth strategy) tend to fall apart around Q2. The solution? Stop treating progress like a New Year’s resolution and start building actual systems—because spoiler: “We’ll circle back on that” is not a strategy. Also up for discussion are the fine art of pretending double-digit premium increases are just “part of the process” and how Purdue University managed to keep its healthcare costs flatter than your company’s last birthday cake. We dive into why consistent action beats quarterly panic, why brokers need to stop playing it safe, and why your Fitbit steps don't count unless you're also stepping up your benefits strategy. If you’ve ever wanted to fire your comfort zone and promote strategic discipline, this episode is your performance review wake-up call. For more information, please contact us at EliteBenefits.net 708-535-3006

Ah, health insurance: the annual corporate Hunger Games where employers try to look generous, employees pretend to understand their benefits, and everyone ends up Googling “What is coinsurance?” at 2 a.m. This episode dives into the heart of every HR manager's favorite nightmare—managing costs while offering benefits that don’t cause immediate mutiny in the break room. From the post-WWII days of “Hey, free coverage!” to today’s 14% premium hikes and $7,000 deductibles, we've strayed just slightly from the original vision. But don't worry, there is hope. We cover real-world strategies that don’t involve printing out motivational posters about “wellness.” Think: telemedicine programs that keep people out of the ER (and away from WebMD doom spirals), claims advocacy that actually advocates, and convincing employees that generic meds aren't part of a government conspiracy. Whether you’re running a 500-person company or managing a team of three and a Keurig, this episode will leave you with ideas, and maybe a renewed desire to finally explain urgent care vs. emergency care without using interpretive dance. For more information, please contact us at EliteBenefits.net 708-535-3006

This episode hits the sweet spot between locker room grit and boardroom buzzwords. From high school guard rotations to youth hockey chaos, it’s a deep dive into how sports build skills that every executive LinkedIn post pretends they were born with: mindset, grit, team synergy, and an unshakable ability to take a hit and spin it into a Q3 growth opportunity. The lesson? Whether you're breaking into the zone or the market, you’d better keep your feet moving—and your metaphors mixed. You’ll also get a crash course in the real-world application of “back checking” as both a defensive hockey strategy and a highly scalable business mindset for post-failure regrouping. There’s discussion of Mo (momentum, not middle management), an impromptu TED Talk on the ROI of doing your actual job, and strong opinions on staying in your lane—unless you're a startup founder, in which case, you’re playing every position including mascot. If you’ve ever wondered how a 50-mile run, a guitar mistake, and a missed power play can all turn into leadership advice, this one’s for you. For more information, please contact us at EliteBenefits.net 708-535-3006

Welcome to the wild intersection of strategic parenting and small-business leadership, where bedtime negotiations require more finesse than a boardroom merger, and every family meal feels like an offsite with zero catering budget. In this episode, we explore what happens when you attempt to scale a family of four high-energy hockey-playing boys while maintaining operational efficiency, emotional bandwidth, and a hockey tournament travel itinerary. Spoiler: no one's hitting their Q1 goals, but everyone’s learning agility is through the roof. We also unpack a real-life case study of a bloated benefits plan that it needed a full-blown fiscal intervention. After much stakeholder misalignment and a few “we’ll circle back” moments, one employer finally pivoted from “fiscally stubborn” to “strategically agile,” saving $120,000 without completely tanking morale. Whether you're managing headcount or just trying to keep your kids from mutiny during homework hour, this episode delivers insights on adaptability, resilience, and how to deliver value when everything around you is on fire—metaphorically, of course... probably. For more information, please contact us at EliteBenefits.net 708-535-3006

In this episode, Butch Zemar dives into why process matters more than results when it comes to business growth and sustainability. CFOs and HR leaders often focus on revenue and cost-cutting, but Zemar argues that these are just byproducts of a well-structured strategy. Businesses that rely solely on sales tactics without refining their internal processes ultimately face inefficiencies, stagnation, and increased risk. Drawing comparisons to professional athletes, daily discipline and incremental improvements drive long-term success, rather than chasing short-term wins. The outdated approach to health insurance renewals, where brokers simply negotiate premiums instead of addressing the core cost drivers. He advocates for leveraging AI and automation to streamline HR functions, from benefits administration to payroll integration, allowing companies to focus on strategy rather than being reactive. With insights on sales growth, cost management, and technology adoption, this episode is packed with actionable takeaways for CFOs and HR professionals looking to build a scalable, process-oriented business model that stands the test of time. For more information, please contact us at EliteBenefits.net 708-535-3006

This episode explores the transformative power of video analysis across various fields, from sports and military operations to business and risk management. The discussion begins with the evolution of video technology in athletics, highlighting how recorded game footage has become an essential tool for skill development and strategic improvement. The conversation then transitions to the use of cameras aboard aircraft carriers, detailing the unique vantage point of “Vultures’ Roll,” where crew members observe flight operations up close, offering insights into precision and discipline in high-stakes environments. In scuba diving, underwater footage aids divers in refining techniques and ensuring safety. Drawing parallels to business, the conversation emphasizes how companies can leverage data analysis and continuous review to identify inefficiencies and missed opportunities. From health insurance renewals to corporate risk management, the ability to capture and assess critical information can lead to significant cost savings and strategic improvements. The discussion reinforces the importance of using technology to gain clarity, enhance decision-making, and drive better outcomes in both professional and operational settings. For more information, please contact us at EliteBenefits.net 708-535-3006

This episode explores the crucial role of discipline in both personal and professional success, framing it as a muscle that requires constant exercise. Even highly disciplined individuals, like military personnel, can struggle with maintaining it. The discussion highlights Parkinson’s Law, which states that tasks expand to fill the time allotted, emphasizing the power of setting shorter deadlines to increase efficiency. Applying these principles to business, the discussion underscores the importance of disciplined decision-making in benefits programs. Many companies fail to address the root causes of high expenses, simply spending more without a strategic plan. The episode provides a compelling case for disciplined cost management, demonstrating how businesses can achieve substantial savings—potentially millions—by staying focused on the right activities. By eliminating inefficiencies and embracing disciplined actions, organizations can achieve transformative results in both their financial health and overall productivity. For more information, please contact us at EliteBenefits.net 708-535-3006

This episode explores the power of consistency and repetition in mastering skills, drawing parallels between personal growth, business, and healthcare. A real-life scuba diving challenge serves as a compelling example, illustrating how lack of preparation and conditioning can lead to setbacks, while consistent practice and perseverance pave the way for success. The discussion delves into concepts like Malcolm Gladwell’s 10,000-hour rule and Brian Tracy’s 1% daily improvement, demonstrating how small, intentional efforts compound over time to create significant progress. Beyond diving, these principles apply to various aspects of life, from honing athletic abilities to building strong business practices. The conversation highlights how staying committed to routine efforts in sales, marketing, and healthcare benefits management can lead to long-term success. By reinforcing the importance of steady progress, this episode offers valuable insights for anyone looking to improve their skills, develop resilience, and achieve sustainable growth in their professional and personal life. For more information, please contact us at EliteBenefits.net 708-535-3006

In this episode, the discussion centers around the contrast between perception and reality in business, illustrating how intuition has driven both innovation and survival. Examples from history, such as the Apollo 13 mission and World War II battles, highlight how strategic decision-making and adaptation are key to overcoming challenges. The conversation also examines how perception influences business success, with examples like Walt Disney and Tesla demonstrating how visionary thinking can lead to groundbreaking advancements. However, tunnel vision in business can be detrimental, causing companies to miss opportunities or remain stuck in outdated models. A critical focus is placed on the impact of the Affordable Care Act on health insurance agents and small businesses, emphasizing how outdated revenue models have created difficulties for brokers. The discussion explores the role of brokers in the evolving healthcare landscape, highlighting case studies of companies that successfully saved significant costs by switching health insurance plans. The episode stresses the importance of making informed decisions, challenging the status quo, and seeking expert advice to ensure sustainable business growth and financial efficiency. For more information, please contact us at EliteBenefits.net 708-535-3006

Butch Zemar takes listeners back to one of the most devastating naval disasters—the USS Forrestal fire. Caused by a hot start on a jet engine, the fire claimed 100 lives and nearly sank the ship. Zemar not only recounts the tragedy and the heroic efforts of the crew but also explores how the Navy’s response—mandatory firefighting training and structural changes—offers a critical lesson in business adaptability. Drawing from his personal experience in shipboard firefighting training, he underscores the importance of preparation, discipline, and swift decision-making in preventing catastrophic failures in both life and business. Shifting from the deck of the USS Forrestal to the world of business, Zemar highlights the challenges of growing a business amid changing regulations, shifting market demands, and internal restructuring. He shares candid insights on hiring, training, and the necessity of offloading low-value accounts to focus on high-revenue clients. Using powerful analogies—like a car transmission needing to shift gears to prevent burnout—he illustrates the critical balance between scaling a business and maintaining efficiency. Listeners will walk away with actionable strategies to navigate market changes, optimize their operations, and stay resilient in the face of adversity. For more information, please contact us at EliteBenefits.net 708-535-3006

A scuba diving anecdote illustrates how firsthand experiences can dramatically shift perceptions, as a couple had contrasting reactions to their diving class. The discussion emphasizes the importance of embracing challenges and chaos, whether in parenting, business, or personal growth and highlights how adapting to adversity leads to success. The conversation underscores the risks of offering advice without relevant experience and advocates for focusing on positive contributions and supporting others Listeners are encouraged to refrain from giving unsolicited advice, especially when lacking firsthand experience. The host also stresses the importance of building connections and support systems, both personally and professionally. By sharing help and kindness, individuals can foster stronger relationships, making the audience feel connected and part of a community. In the realm of business, adapting to new tools, software, and strategies is key to overcoming setbacks and staying competitive. Ultimately, the podcast advocates for personal growth through perseverance and learning from one another’s experiences. For more information, please contact us at EliteBenefits.net 708-535-3006

In this episode, Jason Treadwell, founder of Treadwell Consulting Group, emphasizes the importance of conducting regular financial checkups for small businesses. He advocates quarterly reviews to analyze revenue, costs, and trends. He stresses that financial management should be proactive, not just a compliance task. Treadwell warns against reactive financial decision-making and highlights how leveraging financial data can play a key role in strategic planning, especially for businesses facing inflation and skill shortages. Treadwell also addresses the common pitfalls founders encounter, such as focusing too much on big-picture goals without considering critical financial details. He advises business owners to optimize their revenue drivers and prepare for future growth by using financial data effectively. Proactively managing cash flow and planning for tax implications, rather than waiting until year-end, is crucial for long-term success. The discussion underscores the need for small businesses to align their financial strategies with their overall business goals to navigate economic challenges and drive sustainable growth. Reach out to Jason Treadwell by calling 773-569-1982 or visit TreadwellConsultinggroup.com For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

In this episode, Butch Zemar explores the parallels between training for ultra-marathons and achieving business success. He emphasizes the importance of gradual progress, consistent effort, and discipline, sharing personal experiences from his journey as a runner. Butch discusses how the real challenge lies in the training, not the race itself, and relates this to the need for adaptability and perseverance in business. He highlights how focusing on long-term goals, learning from setbacks, and making steady improvements are crucial for both personal and professional growth. Butch also stresses the significance of accountability and leveraging support from partners in both running and business. He discusses how setting clear goals, maintaining discipline, and staying adaptable to change can help overcome challenges in both areas. The episode concludes with a reminder that the journey, with its lessons and struggles, is often more rewarding than the destination itself, providing a pathway to personal and business success. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

A recent discussion explored the common reasons businesses fail, focusing on the lack of strategic planning and the failure to adapt to new technologies. Many companies struggle due to ineffective sales and marketing strategies, resistance to change, and a failure to address legal and compliance issues. The importance of having a solid benefits program strategy was also highlighted, as neglecting compliance can lead to penalties and other financial consequences. Additionally, the discussion emphasized the need for better financial management and data utilization, particularly in controlling healthcare costs. Businesses that remain loyal to outdated methods and traditional insurance providers often need better options. The conversation concluded by advocating for proactive planning, the adoption of new technologies, and improved transparency in benefits programs to achieve better business outcomes. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

The emphasis was on how the real challenge lies in the preparation, not the event itself. In business, this translates to proper planning, consistent effort, and focusing on the right activities to achieve long-term success. Sales teams, for instance, are encouraged to increase their meeting volumes and prioritize quality actions that drive results. Additionally, leveraging data in business decisions, particularly during benefits renewals, was highlighted. The discussion emphasized the need for proactive planning and engaging with detailed data to make informed choices. It also pointed out that businesses often fail due to a lack of foresight and the tendency to stick to the status quo. To overcome these challenges, continuous improvement and strategic changes are key to long-term success. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Despite increasing premiums, many employers are hesitant to change their plans, with a survey showing that 87% of employers remain satisfied with their current coverage. Smaller companies are particularly vulnerable to significant cost increases, often needing more resources to manage healthcare benefits or adjust to these rising expenses proactively. The issue of broker retention was also highlighted, revealing that 95% of employers keep their brokers even when their performance is subpar, mainly due to trust or a reluctance to navigate change. The conversation pointed to Purdue University as a case study in managing healthcare costs effectively. Since 2016, Purdue has kept its healthcare costs to just a 1% increase annually, saving $149 million by implementing strategic changes, such as reducing out-of-pocket expenses and using financial incentives. The discussion emphasized the importance of better planning, transparency in broker commissions, and investing in dedicated resources or outsourcing to manage healthcare benefits efficiently. Companies that prioritize these practices are better positioned to control costs and provide improved employee benefits. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

A recent discussion highlighted the risks of cutting corners in both business and health insurance, drawing a parallel to a tragic scuba diving story from The Last Dive by Bernie Chowdhury. The story emphasized how cost-saving measures, such as using compressed air instead of mixed gas with helium, led to fatal consequences. This served as a cautionary tale for businesses that seek quick fixes or overly aggressive cost reductions without considering long-term planning and safety. The conversation stressed the importance of balancing cost-saving strategies with thoughtful decision-making, particularly when navigating inflation, unexpected expenses, and insurance planning. The discussion also focused on the need for proactive financial planning in managing health insurance costs. Rather than relying on “magic wand” solutions, businesses are encouraged to engage deeply with their benefit plans, work with knowledgeable advisors, and break down renewals into smaller, more manageable parts. By integrating health insurance into broader financial and budgeting plans, businesses can ensure predictable outcomes and better cost control. The conversation emphasized the importance of conducting due diligence, engaging with detail-oriented advisors, and preparing for long-term financial success through strategic planning. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Small and mid-sized companies often complicate their health insurance programs, leading to inefficiencies and frustration. Sometimes, companies need to change their approach to achieve their goals. The conversation emphasized the importance of evaluating renewals early, exploring cost-saving opportunities like switching carriers that provide claims data and implementing technology to streamline enrollment processes. Companies were also encouraged to retrain employees to use their health insurance effectively. The discussion stressed that companies can save significant amounts by taking a more proactive approach to managing their benefits. By investing in technology, adopting medical advocacy programs, and exploring innovative strategies like Individual Coverage Health Reimbursement Arrangements (ICHRAs), employers can reduce costs while improving employee satisfaction. Early evaluation and planning for renewals, combined with retraining employees on smart healthcare choices, can result in better outcomes and long-term stability for businesses. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Taking examples from the NHL and MLB, where rule changes improved efficiency and game outcomes, the conversation drew parallels to the evolution of health insurance. Historical shifts like tax breaks after World War II led to the rise of PPOs and HMOs, and more recently, strategies such as Health Reimbursement Arrangements (HRAs) and Individual Coverage HRAs (ICRAs) have emerged as methods to control rising healthcare costs. The conversation highlights the need for employers to proactively evolve their benefit programs to maintain competitiveness in a changing landscape. By embracing new strategies such as reimbursing employees for individual health insurance and exploring alternative cost-control measures, employers could save alot of money that go directly to profits! The discussion stressed the importance of long-term planning and strategic adaptation to ensure better outcomes and cost savings. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Businesses that fail to evolve, such as Kodak, suffer the consequences, while those that embrace innovation thrive. The evolution of scuba diving is also mentioned, illustrating how technological advancements, such as the move from deep air diving to mixed gas diving, improved safety, and efficiency. The conversation then shifts to healthcare, explaining how historical events like wage freezes after WWII shaped modern health insurance policies. The rising healthcare costs and the impact of regulations, such as the Affordable Care Act and the Consolidated Appropriations Act of 2021. Employers are encouraged to manage health plans proactively, bring in new brokers annually for second opinions, and adopt innovative strategies to control costs and navigate the growing fiduciary responsibilities associated with employee health benefits. For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net