Ideas / Resources



For benefits and wealth management

innovation and improvement

Healthcare Updates and HR Alerts



 To Grow and Adapt

We will continue to update these resources to keep you informed.  Please contact us for specific details and how these changes may specifically impact you and your company.

The CIP Newsletter


At The CIP Group, our goal is to keep you informed of the latest industry news, HR updates and informative and timely HR updates that help improve employee compliance, satisfaction and retention.  

To sign up for our newsletter, simply click on the button below to be added to our newsletter.


 Webinar Series

Substance Abuse in the Workplace

     February 28, 2017  I  12PM - 1PM

      Click here for more info

MA Paid Family Medical Leave 

     April 3, 2019  I  1PM - 2PM

     View Presentation 

MA PFML, FSLA, Tips for Employers

     August 8, 2019  I  1PM - 2PM

     View Presentation 

ACA Repeal & Replace

     March 28, 2017  I  12PM - 1PM

     Click here for more info

     View Presentation 

SMART Goals Might Not Be So Smart

Using Performance Management to Align, Engage and Inspire Your Workforce

     April 26, 2017  I  12PM - 1PM

     Click here for more info

     View Presentation


3-Headed Monster - Works Comp, FMLA, ADA

Your employee is injured on the job and files for worker's comp, and then for FMLA. And your employee may also be entitled to reasonable accommodation under the ADA. How do you handle this?

     July 12, 2017  I  12PM - 1PM

     Click here for more info

      View Presentation


Massachusetts Equal Pay Act Update

On August 1, 2016, Massachusetts Governor Charlie Baker made news across the Commonwealth (and the country) when he signed into law the Massachusetts Pay Equity Law.  The new law, which goes into effect on July 1, 2018, is meant to eliminate the wage gap between men and woman, strengthen the state's existing equal pay law and impose certain new obligations and limitations on employers.  It is amount the toughest equal pay laws in the country.  Employers should take advantage of the time before July 1 to understand the requirements of the law and consider compliance strategies.
     October 12, 2017  I  12PM - 1PM

     View Presentation


Health Reform - Can we live with/without it?

Update on Health Care Reform, ACA, and Employer Medical Assistance Contribution (EMAC)

     November 8, 2017  I  11AM - 12PM

     View Presentation



Books by the CIP Team


James J. McSweeney, President, The CIP Group

With 25 years of experience in the employee benefits arena, James McSweeney has had the opportunity to work with some amazing entrepreneurs. This book shares some of the insights and experiences he has gained from these individuals, and how they have built successful companies by investing in human resources. James has learned that the companies that have solid HR practices are usually the ones that are the most successful.

Purchase James McSweeney's I $ee the Benefit:
An HR Treasure Chest at



James J. McSweeney, President, & Robert F. McGowan, Executive Vice President,
The CIP Goup

While helping employers and fiduciaries choose, design and manage retirement plans, we realized that our clients needed a good, easy-to-use retirement guide that simplified the process. Making ₵ent$ of Retirement Plans is that book. Successful retirement plans, especially 401(k)s, are part science and part art and this book brings those two elements together. A companion book, Making ₵ent$ of Investing, completes the education needed. When used together, employers will have all they need to create dramatic improvements to any retirement plan.

Purchase James McSweeney & Robert McGowan's Making ¢ent$ of Retirement Plans at
Purchase James McSweeney's Making ¢ent$ of Investment Planning at



James J. McSweeney, President, The CIP Group

This book introduces effective strategies that can help anyone increase their retirement saving and wealth accumulation. If you follow this book’s advice, it can change your life forever. One does not need to be an accomplished expert to achieve financial security and retire in style. A basic understanding of investment theory, a positive focus, and a disciplined strategy that matches one’s individual goals are all that’s needed. .The result is a tangible action plan that can be implemented and monitored with ease.

Other Publications


MA Minimum Wage and Paid Family and Medical Leave
June 28, 2018
Karin Brosnahan, Managing Director, HR Solutions

Outline of key items regarding the MA minimum wage, Sunday and holiday premium pay for retail workers, and paid Family and Medical Leave under Act H4640 signed by Governor Baker into law on June 28th.

Equal Pay Act
July 1, 2018
Karin Brosnahan, Managing Director, HR Solutions

On August 1, 2016, Gov Baker signed a comprehensive pay equity bill known as “The Act to Establish Pay Equity”, amending the MA Equal Pay Act (MEPA) of 1945. The amended law is in effect as of July 1, 2018.

The original MA law, and laws such as the federal Equal Pay Act or Title VII of the Civil Rights Act, required employers to pay men and women the same for doing the same job. The 2016 amendment of the MA Equal Pay Act takes this further by mandating men and women be paid the same for doing different but comparable jobs. The Act defines “comparable work” as substantially similar in skill, effort and responsibility, performed under similar working conditions.

MA Employer Medical Assistance Contribution (EMAC) Supplement
May 1, 2018
Karin Brosnahan, Managing Director, HR Solutions

In August 2017, an “Act Further Regulating Employer Contributions to Health Care”(Chapter 63 of the Acts of 2017), was signed into law, which temporarily changed the existing employer medical assistance contribution, modified the unemployment rate insurance schedule and, in addition, created a temporary supplemental contribution. The law was enacted to offset the significant increase in the cost of Medicaid over the last few years (estimated at $160 million to $300 million for this year). The Administration has proposed a comprehensive package of reforms to achieve a sustainable MassHealth program that is currently under review by the legislature.

The changes enacted are effective as of January 1, 2018. Any MA employer with more than 5 employees will see a “temporary” rate increase in the required EMAC assessment and an additional required contribution for employees who may be on MassHealth.

HR Advisory Services EEOC EEO-1 Report, Update August 29, 2017
Karin Brosnahan, Managing Director, HR Solutions

The Equal Employment Opportunity Commission (EEOC) delayed the implementation of the revised EEO-1 form on August 29, 2017. The revised report would have gone into effect March 31, 2018, and required employers with 100 or more employees to report W-2 wage information and total hours worked for all employees by race, ethnicity, and sex within 12 proposed pay bands.
While employers will not be required to report on wages or hours worked, existing EEO-1 obligations have not changed...

HR Advisory Services EEOC EEO-1 Report, September 29, 2016 
Karin Brosnahan, Managing Director, HR Solutions

The EEO-1 Report is mandated by federal statute and regulations, and must be submitted on an annual basis to the Equal Employment Opportunity Commission (EEOC). The survey requires company employment data to be categorized by race/ethnicity, gender and job category, and as of the 2017 survey year, pay ranges and aggregate hours for designated employers. The survey is a joint information collection by the EEOC and the Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) ...

HR Advisory Services Form I-9 Requirements and Fines for Violation 
Karin Brosnahan, Managing Director, HR Solutions

All employers are required by federal law to hire only those individuals who may legally work in the United States – either U. S. citizens or foreign citizens who have the necessary authorization. In order to demonstrate compliance with the law, employers must verify the identity and the employment authorization of each individual hired through the completion of Form I-9. Employers who hire or continue to employ individuals without this required verification may face civil and criminal penalties...


© 2020 The CIP Group.  All Rights Reserved

Terms of Use


Securities Offered Through DaVinci Capital Management, Inc.

799 Cambridge St., Cambridge, MA 02141 
617-354-3222 I Member FINRASIPC

Learn more about our firm and investment professionals at FINRA BrokerCheck