Joe Markland, an industry expert on HR and benefits technology, recently made the following predictions about the future of employee benefits: “[1] HRIS/Benefits Technologies without Payroll will become obsolete…. [2] The majority of employers with fewer than 100 employees will look for a single-source technology and services solution in the future…. [3] There will be dozens of Zenefits-like companies in the market within 6 months…. [4] Small group health insurance commissions will be 50% of what they are today by 2017…. [5] Employers will be out of the health risk business within 3-5 years…. [6] Most health insurance will be individually purchased within 3-5 years…. [7] Provider systems will dominate the health insurance market in 5-10 years.” (Joe Markland)