Date Enrollment Services (Topic) Presented to Presented by

1. Date Enrollment Services (Topic) Presented to Presented by

2. Benefits Technologies Who We Are • We are one of the largest and fastest growing Benefit Enrollment Solutions Specialists in the country. • We employ nearly 100 full-time insurance professionals, and maintain working contracts with approximately 200 other highly qualified benefit enrollment specialists across the nation. • We operate from coast to coast, with corporate headquarters just outside of Tulsa, Oklahoma. • We service over 700 active clients each year across the nation. • We provide employees with tools and resources to better understand their benefits and make informed decisions. • We are a benefit education, communication, enrollment and administration company.

3. Benefits Technologies What We Offer • We offer you expertise. Our talented and seasoned professional executives represent the best and the brightest in the industry. Many of our executive leaders have been in the voluntary benefits business since the late 1980’s, and collectively they have over 200 years of experience. • We offer bargaining power. Our extensive market share allows us to negotiate some of the best policy pricing available for voluntary benefit packages. • We offer an entrepreneurial spirit towards your enrollment.Our corporate mentality does not allow for a cookie cutter approach. Each employer’s enrollment needs are thoroughly evaluated and solutions are tailored to each unique situation. All phases of the project – including employee communication, consultation, enrollments, administration, and data transmission – is “made to order” in intricate detail for each employer’s situation. And our scrutiny does not stop when the enrollment ends. As we cultivate and maintain a long term partnership with each employer, each case is re-evaluated and subjected to a total quality case study review. • We offer you options and scalability. Enrollments can be implemented using virtually any platform, including our own proprietary web-based platform that allows agents to co-browse along with enrollees. We maintain a enrollment service center facility in the heart of the country and have the capability to create virtual enrollment service centers of almost any size on demand. Our custom approach allows us to efficiently service employers of all shapes and sizes. • We offer you stability.

4. Benefits Technologies Philosophy • We have established our organization as the intermediary between boardroom expectations and delivered results at the workforce level. • We believe in combining state of the art technology and world class experience to individually solve our clients’ total employee benefits concerns. Who are we? • We are a communication, education, enrollment, and administration company • We are an innovative, forward, and fresh thinking company • We provide “employee-centric” solutions • We provide next generation benefit strategies • We are not just an enrollment company

5. Market Trends Industry Statistics 12% of Employers are considering reducing the coverage levels of benefits offered. That translates into 1 out of every 8 employers you deal with. 33% of employees expressed concern that their company intends to cut or reduce benefits in next 12 months due to the economy. 41% of employees consider workplace benefits to be their financial foundation. The 2009 MetLife Study of the American Dream, MetLife, 2009.

6. Market Trends Industry Statistics 46% of Employees have expressed greater interest in learning more information about the benefits offered through their company. Yet, only of Employers suggest that this is a priority for them. 13% 43% of Employees are interested in speaking with or working with a benefits advisor or counselor 40% of Employees are highly interested in a broader selection of voluntary benefits. The 2009 MetLife Study of the American Dream, MetLife, 2009.

7. Market Trends Industry Statistics 68% 63% 64% 60% 59% 58% 57% 54% Employees were asked to indicate their level of concern regarding premature death, disability, or serious illness. The 2009 MetLife Study of the American Dream, MetLife, 2009.

8. Market Trends Industry Statistics Employees were asked to indicate agreement with the statements above. *These questions were asked August 2008 (August data is shown). The 2009 MetLife Study of the American Dream, MetLife, 2009.

9. Market Trends Industry Statistics 51% 46%* 44%* 43% 43%* 41% 40%* 38% 37%* 36%* 32%* Employers were asked to indicate their most important benefit strategies. The 2009 MetLife Study of the American Dream, MetLife, 2009.

10. Perception is Reality • This concept holds true in the employee benefit marketplace. Whether company paid or voluntary, the value of a benefit is only as strong as the means by which it is communicated. • The Employee Benefit Communication and Enrollment process presents an opportunity to embody the corporate culture and provide employee’s with a thorough understanding of the benefits program. • There is no better way to create value in an employee benefits program than through a well-constructed communication campaign.

11. Benefit Management Challenges Misperception is one of the many challenges concerning employee benefit programs facing employers today. Additional challenges can be one or a combination of any of the following: • rising costs • lack of appreciation for benefits offered and underling company funding • lack of participation • Consumer Driven Healthcare Programs (CDHP) • Flexible Spending Accounts (FSA) • voluntary benefits • employees’ inability to totally grasp the options available • inaccurate data • dependant information • address information • beneficiary information • incomplete paper enrollment forms • time consuming data entry • bills from multiple carriers • carrier reconciliation requirements • disconnected and hard to understand benefit communication materials

12. Benefit Management The Benefit Technologies Solution Our solution incorporates a well constructed, personalized employee benefit strategy addressing the benefit management challenges facing employers today. • To that end we have developed a Total Enrollment Solution including “best-in-class” personalized communication campaigns, cutting edge electronic enrollment, and paperless data transfer, which repeatedly delivers the desired results. • The5 Phases of the Total Enrollment Solution are as follows: • Employer Consultation • Pre-Communication • Employee Education and Enrollment • Post-Communication and Data Transfer • Administration

13. The Total Enrollment Solution Capability - A Voluntary Benefits Enrollment Services • Meet one-on-one or via the enrollment service center to educate and enroll employees in voluntary benefits (employer-paid core benefits not included) • Voluntary benefits will add to the overall benefit package Capability - B (includes A) Open Enrollment Services Core and Voluntary Benefits Integrated • Robust pre-communication campaign centered around all benefits– active elections take electronically on all benefits via face to face/enrollment service center/online – Robust post communication campaign • The open enrollment service is typically funded by the voluntary benefits from capability “A”. The employer gets the efficiencies of online enrollment but with human interaction. The Benefits Technologies model serves as a true benefits delivery system Capability - C (usually with A & B) Benefits Administration Services Ongoing New Hire Processing Included • Benefits Technologies provides a benefit administration system either managed by the client or by third party on behalf of the client. • Usually done on a fee basis. However, by leveraging revenue from voluntary benefits Benefits Technologies is often able to be very price competitive. These services can act as full blown benefits administration out-sourcing. Benefits Technologies can help establish a plan to get the client to “self service”.

14. The Total Enrollment Solution Additional Services (A / B / C) Additional Available Services that can be Incorporated • Employee reward and discount programs • Dependent audits • Benefit guides and other pre communication mediums • Benefit statements and other post communication mediums • Payroll alternatives • Communication services (changes in medical plans, HDHP communication (benefit driving), wellness programs, RX programs, etc.) • Data integration with HRIS/Payroll/Vendors • Individual health programs and other non payroll deducted plans • Consolidated billing • Product procurement

15. The Total Enrollment Solution Phase 1 - Analysis and Implementation The right product for the right situation Benefits Technologies. consultative approach ensures that your employees are getting “best-in-breed” benefit programs and that you understand how the programs help your employees. • Product Due Diligence • Comparative Analysis Once a strategy has been determined Benefits Technologies’ account management team will guide you through our proprietary Steps to a Successful Implementation. • Kick-off • Eligibility and Billing • Electronic Data Interface • Logistics / Scheduling • Wrap-Up

16. The Total Enrollment Solution Phase 2 - Pre-Communication Taking benefit communications to a higher level Benefits Technologies will work closely with the employer and benefits consultant to design the appropriate number, type, and timing of the pre-communication pieces. This ensures that the employees have the opportunity to learn about their benefits and the upcoming enrollment process prior to enrollment. The appropriate pre-communication pieces typically include a mix of the following: • Customized Memos • include Coming Soon, Enrollment Process, Important Reminder, & Last Chance • Customized Posters • Customized E-mail Blasts • Customized Voice Broadcast

17. The Total Enrollment Solution Phase 2 - Pre-Communication (continued) Providing a tool to make an informed decision The pre-communication process culminates with the customized employee benefits guide. This all encompassing guide provides your employees with an easy to follow resource when reviewing their benefit options. The guide includes the following: • eligibility • waiting periods • plan descriptions • contact information

18. The Total Enrollment Solution Phase 3 - Education and Enrollment The professional benefit enrollment specialists provide the “missing link” Education Through the use of our professional benefit enrollment specialists, Benefits Technologies will conduct personal face-to-face meetings with each employee. This process ensures that each employee obtains a better understanding of the benefits program and has the opportunity to ask important questions. • Experienced Benefits Enrollment Specialists receive comprehensive training on your company’s benefits program to ensure that they can provide employees the appropriate information and guidance • All Benefit Enrollment Specialists are non-commissioned which leads to employees making informed benefits decisions without any inappropriate “pressure”

19. The Total Enrollment Solution Phase 3 - Education and Enrollment (continued) The advantage of a paperless approach Enrollment All face-to-face enrollments are completed on a laptop using customized enrollment software. This state-of-the-art enrollment system allows Benefits Technologies to build all of your benefit programs (employer paid & voluntary) into one seamless system. Benefits Technologies system also ensures that employees see accurate rates, plan features, and class specific benefits. Some of the added value provided by Benefits Technologies system includes, but is not limited to the following: • Automated “Not Seen” reports • helps us track and ensures that we don’t miss any employee interviews • “Data Scrubbing” • updated address, beneficiary, and dependent information • Additional Important Data • the system can be modified to capture client important information

20. The Total Enrollment Solution Phase 3 - Education and Enrollment (continued) Matching appropriate uses of technology with your demographics Face to Face • interviews conducted on laptops with State of the art security, including fingerprint technology for accessing the data • customized presentation screens with integrated Carrier and HR forms and electronic encrypted signature enrollment service center • 50 Station enrollment service center with automated call distribution and state of the art voice stamping technology • 24 hours, 7 day a week access availability • bilingual Representation and multi lingual translation Web Based • full transactional capabilities • live “Co-Browsing” with a benefit enrollment specialists is available

21. The Total Enrollment Solution Multi-Media Blending Agent Productivity Call Management Business Intelligence Management Reporting BENEFIT TECHNOLOGIES CONTACT CENTER SUITE

22. The Total Enrollment Solution enrollment service center Specifications (continued) Our enrollment service center provides an evolutionary set of features that offer a wide range of business solutions and new customer touch points to achieve competitive advantage… • Complete Call / Contact Center Solution • inbound/outbound call management • multi-media blending (voice,email,fax…) • intelligent customer call routing • external and internal call tracking • real-time and historical reporting • agent / supervisor productivity • call monitoring and call recording • unlimited extensions with “cradle-to-grave” • single/multi-Site

23. The Total Enrollment Solution enrollment service center Specifications (continued)

24. The Total Enrollment Solution Phase 4 - Post-Enrollment Communication and Data Transfer Providing clean and accurate data Post-Enrollment Communication These communication materials can provide election summaries for employees, signed confirmation statements for employers, and help bridge the gap associated with the “hidden paycheck”. • Payroll Confirmation Statements • includes all elected benefits and non elected benefits with employee’s encrypted signature • provided back to employer in electronic format for record keeping purposes • Payroll Deduction Summary • includes all elected benefits • hard copies can be sent to employee or distributed by human resources • Total Compensation Benefit Statements • shows the employees the full value of the employer paid programs • hard copies can be sent to employee or distributed by human resources

25. The Total Enrollment Solution Phase 4 - Post-Enrollment Communication and Data Transfer Providing clean and accurate data Customized Data Transfer A partnership with Benefits Technologies provides you with a consolidated benefit offering, a more informed workforce, access to state of the art enrollment technology, and the back end data transfer to complete the process. It is at this critical junction that all of data that was gathered throughout the enrollment process is transferred to various parties. • electronic file transfer to payroll/HRIS • electronic file transfer to carriers/vendors

26. The Total Enrollment Solution Phase 5 - Administration - Billing We support your ongoing needs now and into the future The advent of employee consumerism has bred increased benefit offerings and increased administrative responsibilities. These additional responsibilities require time and resources. Through the use of our fully integrated administration system, Benefits Technologies is able to deliver a streamlined, efficient, and cost effective billing solution. • dedicated billing coordinator • standard and customized deduction file maintenance • billing reconciliation • advise to pay files transmitted on a monthly basis

27. The Total Enrollment Solution Phase 5 - Administration - Customer Service The process for now and the future The Benefits Technologies toll-free client contact center is completely committed to meeting the servicing needs of our customers. Professional, friendly representatives are available to help both your company and its employees. The services include, but are not limited to the following: • educate and assist employees with their benefits plans • provide appropriate service forms to complete requested service • trouble shoot service issues relating to all carrier partners

28. The Total Enrollment Solution Phase 5 - Administration - Eligibility Management (in partnership with SHPS or other vendor) We support your ongoing needs now and into the future Maintaining the accuracy of your enrollment data is not limited to once a year. How will you handle new hires, what is the process for qualified life events? In order to maintain the integrity of your data it is imperative that you commit the time and resources to stay on top of the issues. Our dedicated staff of enrollment specialists’ and data analysts’ will provide you with the resources. Benefits Technologies will work with you to determine your on-going needs and customize a solution for you. Highlights include: • integrated eligibility management • open platform with unlimited eligibility iterations • customized extracts for automatic eligibility updates • secure data transfer through 128 bit SSL encryption • secure storage with 64 bit DES encryption

29. A Voluntary Benefit Solution Product Appropriateness The evolution taking place in the employee benefits market has employers facing a big challenge: “How can my company continue delivering a valued benefits package without incurring additional costs?” In an environment of higher deductibles, increasing employee cost-sharing for benefits, and little assistance for employees to sort through it all, a solution to this dilemma seems unachievable. However, statistical data supports the fact that when given the opportunity, employees will embrace the ability to fill “gaps” in the employer provided benefits program. Employees perceive great value in the convenience of payroll deduction, the chance to obtain insurances without medical exams, discounted rates, and ownership of their insurance policies. In addition, employees feel secure that their employer performs due diligence on the products to be offered to employees.

30. Cornerstone Plans • Voluntary Permanent Life Insurance • enables employees and their families to obtain ownership in a reliable life insurance policy for the insured’s entire lifetime • provides a valued compliment to any underlying employer provided basic life and/or voluntary supplemental term life insurance program • Voluntary Disability Insurance • protects an employee’s ability to earn an income, which is their most valuable asset • only one third of employers provide group short-term and/or long-term disability coverage • Voluntary Critical Illness Insurance • provides income to offset direct and indirect expenses resulting from conditions such as a heart attack, stroke, cancer, kidney failure, organ transplant, and paralysis • provides a lump-sum tax-free payout upon initial diagnosis of a covered illness • Voluntary Accident Insurance • pays the insured for common injuries such as broken bones, burns, lacerations, loss of sight, loss of hearing, loss of speech, accidental death, and more • also pays the insured for injury related expenses such as a trip to the emergency room, ambulance ride, hospital admission, and other unfriendly surprises

31. Why Benefits Technologies? Professionalism Our consultative approach ensures that your employees are getting “best-in-breed” benefit programs and that you understand how the programs help your employees Education Our experienced non-commissioned benefit enrollment specialists ensure that your employees make educated benefit decisions for themselves and their families Proven Process Our state-of-the-art-enrollment/communication strategies ensure that all aspects of your enrollment are successful from the pre-communication campaign through post-enrollment wrap up Customization Our entrepreneurial approach result in unique solutions and custom branding for each client Cutting Edge From our front end state-of-the-art enrollment system to our back end technology/data management systems, we use customized software to make sure that we are providing the most efficient and best enrollment process available

32. System Demo

33. The Total Enrollment Solution Thank you