The Workplace Benefits Report — December 2025

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Ron Neyer, M.B.A., AIRC, CLU, ChFC

Neyer’s area of expertise is monitoring and communicating trends in workplace insurance distribution. He manages benchmarking and carrier practice studies, as well as research projects focusing on employers, employees, and brokers/advisors. Neyer is a frequent author and presenter for industry publications and events, where he shares research-based insights. He manages LIMRA’s Account Management and Workplace Benefits Competitive Intelligence Study Groups and has served on committees for both the Voluntary Employee Benefit Board and the Voluntary Benefits Forum. He joined LIMRA in 1998 and received his bachelor’s degree and M.B.A. from the University of Connecticut.

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Elio Nallbani

Elio Nallbani is a researcher on the Workplace Benefits Team. Elio is responsible for the Workplace Disability Insurance Sales and Inforce Reports. Elio joined LIMRA in 2020. He received his bachelor’s degree from the University of Connecticut.

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Yuliya Esipov

Yuliya Esipov joined LIMRA and LOMA in 2004. As Associate Research Director, her responsibilities include managing the U.S. workplace benefits dental and vision studies as well as employer and employee-focused benchmarking studies.

Esipov received her diploma in history from Moscow State University (Lomonosov’s) in Russia. She has a master’s degree in history from Bowling Green State University and a master’s degree in survey research from the University of Connecticut.

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Karen D. Fisherkeller

Karen Fisherkeller joined LIMRA in 2005 and conducts benchmarking studies for U.S. Supplemental Health Insurance Sales. She received a bachelor’s degree in psychology from Drew University and a master’s degree in psychology from Connecticut College.