Product Updates
Product Updates, June 2026
June's product updates are here, and there's a lot to be excited about. We're continuing to build on the foundation we've established across Catalyst and Insights benchmarking, with this month's updates focused on giving users more precision in how they search, prospect, and manage data.
Author:
June 2, 2026

June's product updates are here, and there's a lot to be excited about. We're continuing to build on the foundation we've established across Catalyst and Insights benchmarking, with this month's updates focused on giving users more precision in how they search, prospect, and manage data.

On the Catalyst side, that means expanded AI assistant capabilities, more flexible export controls, and deeper CRM customization. For benchmarking, we've added AI-powered recommendations and made meaningful improvements to the report experience, including how you access completed reports and how data flows through the submission wizard.

Read on for the full details.

Catalyst

  • Proximity-Based Geographic Search — The AI assistant now supports radius-based company searches around a city, so territory prospecting works the way territories actually do — not just by state, city, or zip.
  • Product Line Gap Queries — Ask the AI assistant which product lines — Stop Loss, EAP, Voluntary, TPA — an employer has or is missing. Cross-sell identification now happens in a conversation, not a spreadsheet.
  • Headcount Milestone Flags — The AI assistant can surface employers who've recently crossed key thresholds: 50, 100, 500 employees. Growth signals and compliance triggers, surfaced automatically.
  • Flexible Export Range Selection — When exporting data, users can now choose the current page, a page range, or a specific record count. Providing precise control without bumping into system limits.
  • Experience Mod Data on Account View — Experience Modification data now appears directly on the Company Overview and Commercial P&C tab, so risk context is right there when you need it.
  • Custom CRM Field Mapping — Account admins can now map platform fields to custom CRM fields, including custom schemas. Providing full control over how data flows in without overwriting existing records.
  • Retirement Search: Total Assets Filter — The Retirement Search Assets filter now filters on Total Assets.

 

Insights+

  • AI-Powered Recommendations in Insights+ Users can now access AI-generated recommendations directly within Insights+. The new recommendations tool surfaces actionable guidance across four categories. Highest Impact, Cost Strategy, Coverage Gaps, and Underwriter Notes, giving users a faster path from report data to next steps.
  • Completion Email Links to HTML Report — When your report is ready, the notification email now links directly to the interactive HTML report including Mployer AI and all report tools, instead of a PDF download.
  • Redesigned Chart Layout — Plan Score and Cohort Market Data sections are now clearly differentiated, and Dental and Vision pages consolidate their left-side tables. Easier to read, faster to interpret.
  • Report Opens Without Losing Your Place — Clicking a company name in the Request History Grid now opens the HTML report in a new tab, so your search state stays exactly where you left it.
  • Rate Availability Edits No Longer Clear Rate Data — Adjusting Rate Availability selections mid-wizard no longer wipes Medical, Dental, or Vision rate and contribution data previously entered. No more lost work.
  • Age-Banded Entry Hidden When Not Applicable — When 'Use employee contributions only' is selected, Age-Banded rate entry is no longer shown — cleaner form, fewer distractions.

That's a wrap! Stay tuned for what's coming next month.

Industry Benefits Summary
Architects - Employee Benefits Summary
How do your benefits compare to other Architect and Design Services companies?
Author:

Learn more about the types of benefits architect and design services offer across medical, short term disability, long term disability, life, vacation and leave and financial incentives.

The architect and design services industry is an especially varied one. There are multiple different architectural specialties, from residential, commercial, and eco-friendly, to landscape designers and urban planners. An architect and designer's goal is to provide the initial building concept development, preparation of construction documents, and construction administration. They'll be able to take a look at your building's goals and easily conceptualize the look, the structure, and schematic interior design.

With the real estate market booming nationwide, there is a need for experienced architects to dedicate their time and creativity to one employer. To attract and retain top talent, it is of the utmost importance for employers to offer benefit packages to their employees. This means providing comprehensive health, dental, and vision coverage, both life and disability insurance, as well as paid time off.

Typically skilled workers, competitive benefit packages can help to attract talented employees; lower turnover rates, and lower major healthcare utilization and therefore could see lower than average rates on a PM/PM basis. Some examples of this include student loan repayment, flexible work schedules are attractive and more creative mechanisms like FSAs, HSAs and similar products are likely to be used.

The Architect and Design Services Industry Employment Summary

There are about 147,000 architect and design firms nationwide, employing over 1.6 million individuals. Each firm tends to be on the smaller side, with an average of 11 employees each. This is a predominantly male industry, with the median age being just under 42 years old.

Architect & Design Services Insurance Benefits Comparison

87%

What percent of architect firms offer medical insurance?

  • Architect firms are well above the national average in providing health insurance coverage to their employees. A full 87% of businesses offer access to medical care when the national average is 69%.
  • Architect firms provide an average monthly employer premium of $1,032 for family coverage. This is above the national average of $1,121.
  • Additionally, this industry provides an average monthly employer premium of $433 for individual coverage. The national average is $456.

42%

What percent of architect and design firms offer short and/or long-term disability insurance?

60% of all architect and design firms offer access to both short-term and long-term disability plans. The national average is 42% and 34%, respectively.

75%

What percent of architect and design firms offer life insurance?

A full 75% of architect and design firms offer life insurance coverage. The national average is 56%.

33%

Do architect and design firms provide access to paid family leave?

  • 33% of architect and design firms provide access to paid family leave, the national average is 20%.
  • Unpaid family leave is offered 90% of the time, again, slightly above the national average of 88%.
  • Consolidated leave plans are used in 63% of organizations, compared to the national average of 44%.

Medical Benefits
Employee Medical Benefits Summary Wyoming
How do your benefits compare to other companies in Wyoming?
Author:

Medical benefits are an important component of a comprehensive employee compensation package. Healthcare is provided to roughly 100,000 people in Wyoming, whether you work for places like Wyoming Medical Center or Fremont Motor Company.

The ACA (Affordable Care Act) says that if an employer has more than 50 people, the company must provide health insurance to its workers. This may be accomplished in a variety of ways. As a result, we've divided the medical benefits available to both small and big businesses (1-50 employees and 51 or more employees).

Small Employer Guide to Medical Benefits

Cost & Coverage

There are 11,000 small employers across Wyoming, representing over 43,700 employees. Benefit plans range from the bare minimum to comprehensive employer coverage. 69% of Wyoming employers provide access to medical benefits, with 70% taking advantage of the benefit. For small employers in Wyoming, the employer covers an average of 77% for single employees and 65% for families. This costs the small employer approximately $445 each month for an individual and $1098 for a family. The employee then has to pay a monthly amount as well, which comes out to be $132 for individuals on average and $588 for families. To understand the ranges, a family's individual component can range from $351 at the 25th percentile to $765 at the 75th percentile.

Plan Design

High-deductible health plans are chosen by 13% of small company employees, 29% select an HMO, and 34% choose a PPO. These various plan types give diverse levels of coverage ranging from a narrow network limited to certain PCPs, specialists, and hospitals to an open network that includes access to a variety of doctors and hospitals.


Tax Advantaged Accounts

Wyoming small businesses may assist and manage expenses by offering tax optimizing plans such as Health Savings Accounts (HSAs) or healthcare Flexible Spending Accounts (FSAs). HSAs are popular among small employers in Wyoming, with 46% choosing it. FSAs are also popular, with 43% of Wyoming companies employing them. Both are excellent ways to help employees save money on medical bills while minimally impacting the company financially.

Dental and Vision

45% of small businesses provide dental benefits, while only 25% offer vision care, which is far lower than that of major employers. This is a highly valued benefit since 78% use dental services and 82% utilize eye care. Because of this, both dentistry and vision are important offerings for businesses when choosing their comprehensive plan.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Wyoming, 4,000 large employers provide medical coverage to over 114,000 individuals, with 76% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Wyoming employers cover 79% of the monthly premium for single employees and 73% of the premium for families. On the employer side, this equates to a monthly premium average of $505 per month for singles and $1356 for families. For employees, this costs approximately $130 per month for single employees and $497 for families, with costs ranging anywhere from $65 each month for a family at the 25th percentile to $181 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select Wyoming large employers, 9.0% cover all medical expenses for single individuals, and 4.5% cover all expenses for families.

Plan Design & Cost

The types of plans that a company offers can differ depending on its employees' demographics. Across the largest Wyoming employers, 38% of workers participate in PPO plans, 31% in HMOs, and 22% in High Deductible Health Plans (HDHPs). The plan type has an impact on the range of coverage available from physicians and facilities, as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

It's critical for businesses to show employees how to manage their medical expenditures tax-wise. Two of the most popular methods are a Flexible Spending Account (FSA) and a Health Savings Account (HSA). Both are popular options among large Wyoming employers, with 65% offering an HSA and 69% providing an FSA.

Dental & Vision

Larger businesses have a higher offering rate than smaller ones when it comes to dental and vision plans. In Wyoming, 69% of large companies provide dental coverage, while 83% utilize the benefit, and 41% offer vision insurance, while 83% take advantage of the benefit.

Medical Benefits Considerations

Whether you're a small or big business in Wyoming, selecting a broker to create the benefits for your plan type is a crucial decision. Contact Mployer Advisor right now if you want a list of employers in your region who specialize in medical insurance.

Medical Benefits
Employee Medical Benefits Summary Washington
How do your benefits compare to other companies in Washington?
Author:

Employee medical benefits are an important element of total employee compensation. Employer-sponsored healthcare services cover approximately 2,500,000 individuals in Washington state, including employees at Amazon.com Services and T-Mobile USA.

The Affordable Care Act (ACA) requires businesses with more than 50 workers to provide health insurance to their employees. This might be accomplished in a variety of ways. As a result, we have divided medical benefits into two categories: small employers (1-50 employees) and large corporations (51+).

Small Employer Guide to Medical Benefits

Cost & Coverage

Among Washington small employers, 70% provide access to medical benefits for their employees, and 68% of employees take full advantage of the offering. With 124,200 small employers in Washington representing over 480,000 employees, the employer covers an average of 79% for single employees and 67% for families. From this, the employer pays approximately $458 each month for an individual and $1205 for a family. The employee also has a monthly premium to pay, which costs $121 for an individual and $591 for a family. The individual family component can cost anywhere from $365 at the 25th percentile to $826 at the 75th percentile.

Plan Design

When it comes to plan design, 13% of small employers enroll in a high deductible health plan, 29% an HMO, and 34% a PPO. Having different plan types to select from allows for coverage options ranging from a limited network restricted to specific PCPs, specialists, and hospitals to an open network with access to many physicians and hospitals.

Tax Advantaged Accounts

Small Washington businesses can assist and manage costs by offering tax-optimizing options like Health Savings Accounts (HSAs) or Healthcare Flexible Spending Accounts (FSAs). HSA contributions are popular among Washington's small employers, with 39% taking advantage of it. FSA participation is also high in the state, at 42%. Both are fantastic ways for small companies to help employees manage their medical expenditures cost-effectively while still providing benefits to both employees and businesses.

Dental and Vision

Dental care is provided by 52% of small businesses, whereas just 42% provide vision benefits, which is far lower than large corporations. This is a significant benefit since 80% utilize dental services and 84% use vision services. As a result, employers should include both dental and vision coverage when designing their complete benefits package.

Large Employer Guide to Medical Benefits

Cost & Coverage

The 49,000 large employers in Washington provide medical coverage to over 2,068,000 individuals across the state. Larger employers, in general, are able to provide most comprehensive medical coverage for their employees. The percentage of employees at large employers in Washington that take advantage of this benefit is 75%. Large Washington employers cover an average of 81% of the monthly premium for single employees and 75% of the premium for families. This equates to an employer cost of $520 per month for an individual and $1488 for a family. For the employees, this equates to an average of $118 per month for single employees and $492 for families, with costs ranging from $80 each month for a family at the 25th percentile to $164 for a family at the 75th percentile. If you are lucky, 13.4% of large Washington employers cover all medical expenses for individuals and 5.4% for families.

Plan Design & Cost

Plan types can be selected by a variety of criteria, depending on employee demographics. In Washington, 38%, 31%, and 22% of workers opted to join an HMO, PPO plan, and High Deductible Health Plan, respectively. The differences in plan types influence the amount of coverage accessible to physicians and hospitals. It also has an impact on copays, deductibles, and other features.

Tax Advantaged Accounts

Of large businesses in Washington, 58% offer a Health Savings Account (HSA) and 68% offer a Flexible Spending Account (FSA). Both an FSA and an HSA are essential elements when advising employees on how to manage their medical expenditures tax-efficiently.

Dental & Vision

Larger businesses generally have a greater offering rate than smaller ones when it comes to dental and vision plans. In Washington, 76% of large employers give dental insurance and 85% utilize the benefit, while 58% offer vision coverage and 85% utilize the opportunity.

Medical Benefits Considerations

Whether you're a small or large employer in Washington, choosing a broker to create your healthcare benefits is critical. Contact Mployer Advisor right now if you want a list of businesses in your area that specialize in medical benefits.


Medical Benefits
Employee Medical Benefits Summary Wisconsin
How do your benefits compare to other companies in Wisconsin?
Author:

Providing cost-effective medical benefits for employees is an important component of a comprehensive employee compensation package. Healthcare insurance is available to around 2,200,000 individuals in Wisconsin, whether you work for companies like Johnson Controls or Lambeau Stadium.

The Affordable Care Act (ACA) requires employers with more than 50 employees to provide health insurance to their workers in the state of Wisconsin. Whether you're a small company (1-50 people) or a big company (51+), we've broken down what medical benefits look like, no matter your size.


Small Employer Guide to Medical Benefits

Cost & Coverage

Among Wisconsin small employers, 68% provide access to medical benefits for their employees, and 67% of employees take full advantage of the offering. With 73,300 small employers in Wisconsin representing over 320,000 employees, the employer covers an average of 77% for single employees and 70% for families. From this, the employer pays approximately $448 each month for an individual and $1210 for a family. The employee also has a monthly premium to pay, which costs $133 for a single and $514 for a family. The individual family component can cost anywhere from $321 at the 25th percentile to $734 at the 75th percentile.

Plan Design

When selecting a plan design, 27% of small business employees pick a high deductible health plan, 7% pick an HMO, and 39% select a PPO. Having several plan types to choose from allows you to decide between plans with a limited network that includes only certain PCPs, specialists, or hospitals, as well as open network options with access to many physicians and hospitals.


Tax Advantaged Accounts

Small companies in Wisconsin may assist their staff in managing costs and pay accurately by providing tax-optimizing health savings accounts (HSAs) or healthcare flexible spending accounts (FSAs). Both an HSA and an FSA are excellent methods to help employees manage their medical expenses while minimizing costs to the employer. 40% of all businesses in Wisconsin provide an HSA as an option, and 44% offer an FSA.

Dental and Vision

When assessing your comprehensive employee benefits package, pay particular attention to dental and vision advantages. Only 29% of small businesses provide vision coverage, whereas 44% offer dental benefits. This is significantly lower than what we see among big businesses. Employees are most likely to utilize dental (78%) and vision (79%) when available.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 42,000 large employers in the state of Wisconsin, medical coverage is provided to over 1,876,000 individuals. However, the monthly premium they cover varies. For individuals, large Wisconsin employers cover 79% of the monthly premium while also paying 78% of the premium for families. Larger employers are generally able to provide many comprehensive medical benefits, which is understandable, and 74% of individuals take advantage of this benefit when offered. With a large percentage of the monthly premium covered by the employer, this equates to an average of $509 per month for single employees and $1493 for families paid for by the employer. On the employee side, this will cost them approximately $131 per month for individuals and $416 for families, with costs ranging anywhere from $83 each month for a family at the 25th percentile to  $161 for a family at the 75th percentile. However, if you work for a few select Wisconsin large employers, 8.2% cover all medical expenses for single individuals, and 5.4% cover all expenses for families.

Plan Design & Cost

Plan types vary depending on the employee demographics. 44% of employees enroll in PPO plans, 7% in HMO plans, and 46% in High Deductible Health Plans throughout large businesses in the state of Wisconsin. Each plan type influences coverage from doctors and hospitals as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

A well-rounded comprehensive benefits package that includes medical expense management tools is critical. What are some ways to do this? Flexible Spending Accounts (FSA) and a Health Savings Account (HSA) are popular options. An HSA is becoming more popular among businesses in Wisconsin, with 59% of large employers offering one, while 69% offer an FSA to their staff.

Dental & Vision

Large companies generally have a higher rate of dental and vision plan choices than small businesses. Large companies in Wisconsin offer dental plans to their workers 68% of the time, with 83% taking advantage of it, and 45% provide vision coverage, with 79% taking advantage of that benefit.

Medical Benefits Considerations

Whether you're a small or big business in Wisconsin, picking a broker to create the benefits for your plan type is crucial. If you want a list of businesses in your area that specialize in medical benefits, contact Mployer Advisor immediately.


Medical Benefits
Employee Medical Benefits Summary Utah
How do your benefits compare to other companies in Utah?
Author:

Medical insurance is an important element of a comprehensive remuneration package. Providing high-quality, low-cost medical coverage for employees is a crucial aspect of a total compensation package. There are approximately 1,100,000 people covered by healthcare in Utah, whether you work for MountainStar Healthcare or Helpside.

The Affordable Care Act (ACA) requires employers with more than 50 workers to provide health insurance to their employees. This may be done in a variety of ways, according to the ACA. As a result, we've split small and big businesses into two separate categories based on their medical offerings (1-50 employees and 51+ employees).


Small Employer Guide to Medical Benefits

Cost & Coverage

Among Utah small employers, 69% provide access to medical benefits for their employees, and 70% of employees take full advantage of the offering. With 55,000 small employers in Utah representing over 190,000 employees, the employer covers an average of 77% for single employees and 65% for families. From this, the employer pays approximately $445 each month for an individual and $1098 for a family. The employee also has a monthly premium to pay, which costs $132 for a single and $588 for a family. The individual family component can cost anywhere from $351 at the 25th percentile to $765 at the 75th percentile.

Plan Design

For small businesses, 13% of employees select a high deductible health plan, 29% select an HMO, and 34% choose a PPO. These differing plan types provide a variety of coverage options based on network configurations ranging from a restricted network that includes only certain PCPs, specialists, and hospitals to an open network with access to many physicians and hospitals.

Tax Advantaged Accounts

Utah small businesses might assist their workers in managing expenses and pay appropriately by providing tax-optimizing healthcare plans like Health Savings Accounts (HSAs) or Healthcare Flexible Spending Accounts (FSAs). Both an HSA and an FSA are excellent methods to help employees save money on medical costs while still saving money for the employer. An HSA plan is offered by 46% of Utah's small employers, while 43% offer an FSA.

Dental and Vision

45% of small organizations provide dental benefits, while only 25% offer vision, which is far less than large employers. This is a major sought-after perk because 78% use dental care and 82% take advantage of vision services. As a result, when employers select their comprehensive benefits package, both dental and vision are important offerings.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 21,000 large employers in the state of Utah, medical coverage is provided to over 978,000 individuals. However, the monthly premium they cover varies. For individuals, large Utah employers cover 79% of the monthly premium while also paying 73% of the premium for families. Larger employers are generally able to provide most comprehensive medical benefits, which is understandable, and 76% of individuals take advantage of this benefit when offered. With a large percentage of the monthly premium covered by the employer, this equates to an average of $505 per month for single employees and $1356 for families paid for by the employer. On the employee side, this will cost approximately $130 per month for individuals and $497 for families, with costs ranging anywhere from $65 each month for a family at the 25th percentile to $181 for a family at the 75th percentile. However, if you work for a few select Utah large employers, 9.0% cover all medical expenses for single individuals, and 4.5% cover all expenses for families.

Plan Design & Cost

Employee demographics have a significant impact on plan designs. PPO plans are chosen by 38% of employees across large Utah employers, whereas 31% select an HMO, and 22% choose a High Deductible Health Plan. The plan kind affects the range of coverage provided by physicians and clinics as well as costs, deductibles, and other factors.

Tax Advantaged Accounts

When it comes to significant employers in Utah, 65% have a Health Savings Account (HSA) and 69% have a Flexible Spending Account (FSA). Both an FSA and an HSA are essential elements of any plan that allows employees to reduce their medical bills tax-free.

Dental & Vision

Larger businesses have a higher offering rate than smaller ones when it comes to dental and vision plans. According to Utah statistics, 69% of large employers provide dental insurance, and 83% utilize the benefit, whereas 41% offer vision coverage and 83% take advantage of that option.

Medical Benefits Considerations

If you need assistance selecting a top medical insurance broker that specializes in your area, contact Mployer Advisor right away. Whether you're a large or small employer in Utah, picking a broker is a major decision.


Medical Benefits
Employee Medical Benefits Summary Virginia
How do your benefits compare to other companies in Virginia?
Author:

Medical benefits for workers are a must-have for a well-rounded compensation package. There are roughly 1,700,000 people in the state of Virginia who have health insurance, whether you work for businesses such as Northrop Grumman or Capital One Financial.

The Affordable Care Act (ACA) states that if you have more than 50 employees in the state of Virginia, you must provide healthcare to them. We've broken down what medical benefits look like regardless of your company size, whether you're a small employer (1-50 people) or a big employer (51+).


Small Employer Guide to Medical Benefits

Cost & Coverage

There are 69,000 small employers across Virginia, representing over 290,300 employees. Benefit plans range from the bare minimum to comprehensive employer coverage. 68% of Virginia employers provide access to medical benefits, with 64% taking advantage of the benefit. For small employers in Virginia, the employer covers an average of 77% for single employees and 62% for families. This costs the small employer approximately $448 each month for an individual and $1072 for a family. The employee then has to pay a monthly amount as well, which comes out to be $133 for individuals and $652 for families. To understand the ranges, a family's individual component can range anywhere from $388 at the 25th percentile to $828 at the 75th percentile.

Plan Design

For small businesses, 17% select a high deductible health plan, 9% choose an HMO, and 48% opt for a PPO. These numerous plan options allow for a wide range of coverage, from a limited network that includes only certain PCPs, specialists, and hospitals to an open network with access to many doctors and hospitals.


Tax Advantaged Accounts

By providing tax-optimizing plans such as Health Savings Accounts (HSAs) or healthcare Flexible Spending Accounts (FSAs), small businesses in Virginia can help their staff manage costs and pay appropriately. Both an HSA and an FSA are fantastic methods to assist employees with their medical bills while saving the employer money. 36% of Virginia's small employers provide an HSA, whereas 44% provide an FSA.

Dental and Vision

34% of small employers offer dental benefits, while only 21% provide vision, which is lower than big businesses. When they are given the option, 75% take advantage of dental benefits, and 73% utilize vision benefits. Employers may find that offering both dental and vision coverage is important when considering their benefits options for the year.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Virginia, 38,000 large employers provide medical coverage to over 1,459,000 individuals, with 70% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Virginia employers cover 79% of the monthly premium for single employees and 70% of the premium for families. On the employer side, this equates to a monthly premium average of $508 per month for singles and $1323 for families. For employees, this costs approximately $131 per month for single employees and $562 for families, with costs ranging anywhere from $84 each month for a family at the 25th percentile to $163 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select Virginia large employers, 9.0% cover all medical expenses for single individuals, and 1.8% cover all expenses for families.

Plan Design & Cost

Employee demographics have a significant impact on plan designs. 55% of employed people in Virginia enroll in PPO plans, 9% in HMOs, and 29% in High Deductible Health Plans. The plan type influences the range of coverage provided by doctors and hospitals as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

It's critical for businesses to offer employees the option of tax-advantaged medical expense management. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are two of the most popular options. An HSA is available at 55% of large Virginia companies, while an FSA is provided by 67%.

Dental & Vision

Larger businesses generally have a higher offering rate than smaller businesses when it comes to dental and vision plans. In Virginia, 57% of major employers provide dental insurance, while 80% utilize the benefit, and 38% offer vision coverage, with 73% taking advantage of that option.

Medical Benefits Considerations

If you're looking to find the best insurance broker in your region that specializes in medical benefits, contact Mployer Advisor right away. Whether you're a small or large employer in Virginia, selecting a broker is a major choice.