This is the question that we are getting day in and day out.  Our take (in short):  something is going to happen, but not the sweeping changes that the administration is looking for.  As a general statement, we don't see a wholesale impact on benefits / H&L shops out there. 

Of note, the bigger impact that we are seeing right now groups evaporate as companies shut down - certainly a regionally clustered phenomenon with heavier losses in "rust belt" areas and certain others.  

Like you, we're looking forward to getting this period of uncertainty in the rear view mirror.  And in the meantime, please drop us a line- we'd love to hear your thinking and get your viewpoint as well.