The Zemar Podcast

The Zemar Podcast

Talking to small to mid-sized businesses and discussing insurance and business related topics. For more information about Butch Zemar and Elite Benefits of America, please visit EliteBenefits.net

Episodes

April 22, 2025 21 mins

In this episode, we lace up the skates, tape our sticks (badly), and take a hard-checking look at how beer league hockey can teach business professionals more than a dozen leadership seminars and a thousand "synergy" emails ever could. What starts as a midlife crisis on ice turns into a full-on MBA in grit, leverage, and learning not to chase the puck—or the next shiny business trend.

Between getting yelled at by semi-retired goali...

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This episode takes a bold stand for a concept often left behind after the annual ethics training: integrity. From a 19th-century shipwreck survivor refusing to sell out his story to Rosa Parks refusing to give up her seat, we explore how standing up for what’s right has always been uncomfortable, unpopular—and often unprofitable. Naturally, that brings us to today’s healthcare industry, where "ethical pricing" is apparently a mythi...

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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 buil...

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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%...

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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 bet...

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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 t...

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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 compa...

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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, det...

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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 t...

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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...

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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 W...

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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 per...

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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 ...

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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 k...

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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 highlight...

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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 an...

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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 r...

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November 7, 2024 23 mins

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 employe...

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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 w...

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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 ...

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