Companies including Wal-Mart, Chipotle, shrug off the effect of health-care reform.

Companies could see rate reductions of 5% to 15% on property policies this year, Marsh says.

Companies are focusing on financial wellness and 401(k) plan costs.

FOMC minutes show disagreement over timing of first rate increase in eight years; employment, inflation, financial markets, and international events all weigh into decision.