Insurance New York, employee insurance New York

2. HomeFOUNDED ON THE PRINCIPLES THAT WE PUT OUR CLIENTS AND THEIR EMPLOYEES FIRST. • At BSB we take an organizational wellbeing approach looking at your most important assets, your people. BSB wants to help make you the top employer of choice that people want to be at. It starts with first attracting talent and then begins the challenge of retaining your top talent. Let BSB help you navigate through the complexities of health benefits and choose the best plan designs that fit the needs of your employees. • BSB Benefits Strategy: Our approach to managing risk for your organization is strategic and proactive rather than reactive. Our benefits consultants will help your organization to develop a long-term strategy from the moment we engage with you. It is not an effective ‘strategy’ to live from year to year simply lowering your healthcare spend through carrier negotiations and shifting costs. BSB Consultants will spend the time evaluating how to best allocate the dollars you have. Using our expertise, we will guide you through the process of benefits management by creating an ongoing employee benefits strategy that attracts, retains, and engages your best talent.

3. About UsFounded on the principles that we put our clients and their employees first. • At BSB we take an organizational wellbeing approach looking at your most important assets, your people. BSB wants to help make you the top employer of choice that people want to be at. It starts with first attracting talent and then begins the challenge of retaining your top talent. Let BSB help you navigate through the complexities of health benefits and choose the best plan designs that fit the needs of your employees. • BENJAMIN HOROWITZCEO BSB CONSULTANTS • Benjamin Horowitz CEO of BSB Consultants, has been working in the Benefits, HR & Payroll Consulting world for over 8 years. He has experience working for some of the largest firms in the US like Gallagher, Mercer & ADP. • He has a vast background in helping companies with strategies around attracting & retaining top talent, cost containment, risk management, being a trusted advisor and benefit strategist. Benjamin believes that making a strategic investment in your employees’ health, financial wellbeing and career growth will lead to a more productive staff and a much more profitable business. • Benjamin is highly active with the Association for Corporate Growth “ACG” as an Ambassador and Forward committee member. Benjamin is also a Board Member of Financial Executives International and is highly active in helping with the continued growth of the organization.

4. EMPLOYEE BENEFITS Small Group Services • Provide Quotes for All Lines of coverage: Medical, Dental, Vision, Life, LTD, STD, Voluntary Benefits, and PEO’s. • New Business Implementation and Enrollment Support: • Summaries and SBCs reviewed for accuracy. •  Carrier enrollment material preparation (electronic and/or shipped). • Customized employee communications (Plan Election forms and Benefit Overview guides for 20+ enrolled small groups). • Conduct enrollment/educational meetings (in person and/or via WebEx). • Prepare and process new business. All documents/forms are reviewed for accuracy and submitted for timely implementation. • Manage implementation through install, obtain ID numbers and approval letter. • Dedicated Account Management Team for Year Round Customer Support: • Assist with new hires enrollments, changes and terminations. • Request carrier ID numbers and/or ID cards. • Claims advocacy & dispute resolution. • Bill reconciliation. • Renewal Analysis: • Obtain and prepare renewals for all lines of coverage. • Provide plan alternatives along with thorough analysis. • Additional Services: • Access to a comprehensive resource center for all of your workforce issues and HR compliance support. •  Facilitate enrollment technology implementation (Ease, PEO, etc.) • Access to top-ranked employee benefits law firm for legal questions/concerns. • Customizable marketing materials available via online Marketing Resource Center. • Benchmarking data.

5. PEO & PAYROLL EVALUATIONS • Payroll & HRIS Technology Evaluations- • Are you not happy or facing challenges with your current Human Resources Information & Payroll System. Let BSB do a full evaluation of your current vendor offering against its competitors in the marketplace. The relationships BSB has in the HRIS/Payroll vendor market will assure you that you will not only get the best information regarding the current landscape of technology but you will get the best pricing unmatched in the market.

6. RESOURCES • At BSB Consultants we are continually evaluating the marketplace to deliver valuable strategic partnerships, industry-leading products, and new resources to our clients that will help enhance, streamline, and grow their business. Our extensive portfolio is designed to help our customers in the following management areas: • ERISA Compliance • COBRA Management •  ACA Consulting •  FSA and HRA Management •  HR Compliance Tools • Legal Support • Enrollment Technology • Telehealth Technology •  Dynamic Wellness Tools •  Health Advocacy •  Expert Second Opinion •  Benefit Alternatives • Identity Theft Protection •  Carrier Support Teams • Legal Team Partnership • BSB Consultants works with a Top-ranked National Full Service Law Firm that specializes in Employee Benefits and Executive Compensation. Their Employee Benefits and Executive Compensation Team consists of 25 professionals dedicated to providing counseling and assistance to employers of all sizes and industries.

7. CASE STUDY • Aggressive Approach to Healthcare Renewals • The current climate in employee benefits requires that a broker or consultant take a very hands-on, aggressive approach if they are to successfully achieve the objectives set forth by the business owner. To do this, the broker/consultant needs to have a great deal of expertise and past success, access to data analytics, up-to-date technology and access to best-in-class partners and vendors. • Controlling Costs While Maintaining Competitiveness • As a business owner, you probably care deeply for your employees and like to provide them with a comprehensive, tailor fit employee benefit program to fit their needs. But you also run a business and have to remain focused on the bottom line. If you’re like many other business owners, you struggle with maintaining an equitable balance. At BSB Consultants, we can help. • A Voluntary Benefits Strategy • If you’re like many business owners, you are probably looking for ways to trim your employee benefits budget without creating a significant hardship for your employees. You’ve probably already raised deductibles and copays, implemented a High Deductible Health Program coupled with an HSA and maybe even integrated a wellness program…but you’re still looking for additional ways to save. What else can you do? • PEO Solves Small Business Growth Pains • Many small to mid-sized employers are looking for strategies to reduce their company’s health care premiums without reducing coverage levels. Although this may seem like a difficult task, it can be done.

8. TOOLS • Comprehensive HR Compliance Resource Center • BSB Consultants adds significant value to our clients with unlimited access to the HR Compliance Resource Center. With access to 1,000’s of downloadable forms, checklists, Q & A database, newsletters, employee handbook builders, compliance alerts, and more. • Real Time Market Updates • BSB Consultants keeps yaou informed as changes occur in the market, with easy-to-understand summaries, explaining how our clients may be impacted • Keeping You Informed • ACA Updates • Law Alerts • Carrier Changes • Market Changes • Compliance Requirements • Industry Trends

9. REVIEWS • April Pelton • SENIOR ACCOUNTANT • Benji provides a high level of individual service that you do not find often. He worked consistently with us for months to find a unique insurance solution for our growing multi-state company. He was supportive, proactive, had great solutions and always followed through. He was flexible and available when we needed him not when it was convenient for him. I depended on Benji to guide me through the insurance process and he delivered 100%. I look forward to working with Benji in the future, he is a joy to work with and the person you want working on your companies insurance needs. • Stewart Storms • SENIOR VICE PRESIDENT • Benjamin is true professional. He has a great ability to identify and develop opportunities through relationship building. His genuine desire to help people and his tremendous work ethic are just two of the many contributing factors to his success. • Greg Demetriou • INTEGRATED MARKETING AGENCY CEO, TV HOST, SPEAKER, COLUMNIST TO BUSINESS PUBLICATIONS, ENTREPRENEUR. • Benjamin is a valued colleague in so many areas. First and foremost he is a connector and facilitator of business relationships. His network of associates is very broad touching on all industries and business categories. I have had the pleasure of making important and beneficial connections through his generous assistance. If you have Benjamin in your referral wheel you have a major plus. All of that does not even recognize his expertise in business strategies, processes, cost savings and growth.

10. COVID-19 • Carrier Updates Related to COVID-19 • Carriers are providing updates on how they are handling COVID-19 related regulations and coverage. Select your carrier from the drop down menu to display information. Please note that information is evolving quickly and we recommend that you contact us to ensure proper understanding and accuracy of the information. We are updating this section frequently, so please check back as needed. Contact us with questions. We are here to help.

11. CONTACT US • BSB Consultants •  REACH US15 ADAMS ST. EAST ROCKAWAYNY 11518a •  OFFICE NUMBER(516)207-1888 •  FAX(212)202-6104 •  EMAIL USbhorowitz@bsbconsultants.com • Book a Meeting • https://www.bsbconsultants.com/