The BCG Difference: Capabilities and Services

OVERVIEW

• Specialists in employee benefits for 25+ years• On Inc. 5000 list of fastest-growing companies in America—2 years in a row• 6th largest benefits firm in Arizona • Staff of 40+ insurance professionals (average experience 20 years)

• Blend of former insurance company executives and best-in-class veteran benefit consultants

• Traditional brokerage service and support PLUS: – Strategy, engagement, advocacy

– HR and Compliance resources, alerts, webinars, and training

– Cutting edge benefit solutions and benefits administration technology–achieving bottom line savings for clients

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Benefit Commerce Group: Leader in the Industry

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The BCG DifferenceA Team of Internal Subject Matter Experts

The world is changing…no one person can be an expert in all areas.

We have an in-house team of experts in each key area on staff to support our Consultants and Client Managers.

Insurance Products

WellnessCompliance

Communication &

Education

Actuarial, Underwriting & Risk Mgt

Service Team

Benefits Technology

BCG Client Manager

BCG Consultant

HR Services

Process-Project

Management

YOUR ORGANIZATION

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Turning Strategies, Best Practices and Communications… into Results

Strategies• Align economic incentives

between the plan and employees• Reward employees for good

healthcare decisions• Include meaningful preventive and

health improvement programs• Effective employee education,

information, tools & technology

• Lower costs for employer and employees and their families• Health improvement of employees• Reduced medical trend costs on renewal (with proper programs in place)• Greater employee satisfaction which leads to better retention & attraction of productive

employees

RESULTS

Services• Analysis of current benefits• Review budget objectives• Develop long-term strategy• Integrate employee education• Compliance programs & resources• Create wellness programs• HR information management &

payroll solutions• Online admin and benefit portals• Seamless datafeeds

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Value-Added Programs

Financial & Actuarial Services

• ACA Employer Impact Report• Renewal Projection & Evaluation• Mid-Year Renewal Projection• Plan Design Analysis• Stop-Loss Analysis• IBNR Reserve• Self-Insured Feasibility Analysis• Claims Positioning System

• ACA Client Guide & Assessment form

• Health decision support tools

• Wellness programs with incentives

HR Resources

• Live Team – Answers to your questions 11 hours a day, with Certified HR experts

• Comply – Comprehensive resource center, including forms, checklists and tools, Employee Handbook Builder

• 200+ online courses -- Unlimited use, money-saving way to add training for HR staff

• Mobile app -- Access your these HR resources from anywhere

Compliance, Health & Wellness Services

• Proactive planning with open communications

• Onboarding for new clients• Ongoing project management to achieve results Providing certainty about WHO does WHAT, HOW and WHEN

Process, Project

Management

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Service, Experience, Tools & Resources

Principals & Benefit Consultants Employee Benefits Benchmarking

Decades of experience assisting employers in benefit plan development.Average 20+ years of experience.

Benefit Commerce Group brought a statewide, benefits benchmarking survey to Arizona for the first time, developed through its close strategic relationship with the world’s largest and most respected actuarial firm.Participants receive an Individual Custom Report—at no cost—benchmarking their employee benefits against mid-size employers (50-5,000 employees) in Arizona and nationwide.

PLUS:

Vice President-Actuarial on staffCommunications Director on staffDirector of Corporate Wellness on staffClient Managers—ACA-Certified by NAHUClient Services Team

BCG:Inc. 5000 Ranking

BCG & 24 ClientWellness Council

Awards

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BCG Awards & Recognition--Over 100 Client Awards in 3 Years--

13 ClientWellness Council

Awards

December 2015

BCG: Best Places to Work

BCG:Inc. 5000 Ranking

August2015

December 2015

BCG & 7 Clients:Healthiest Employers

Awards

BCG & 9 Clients:Healthiest Employers

Awards

BCG Client & HR Director:

IHCC National Award

BCG: “Industry Innovator” & “Most Innovative Broker”

IHCC National Award

May2015

March 2014

January 2013

January 2012

BCG & Clients:18 Wellness Council

Awards

BCG: Named in “Top Ten Consumer Driven Health Plan Advisors” in Nation

BCG & Clients:18 Wellness Council

Awards

BCG: “Most Innovative Broker”

IHCC National Award

BCG Client:Healthiest Employers

Award

BCG Client & CFO:IHCC National Award

4 BCG Clients:Healthiest Employers

Awards

BCG & 3 Clients:Wellness Council

Awards

December 2014

December 2013

January 2013

2011

December 2014

February2013

October 2012

2010

BCG & 14 Clients:Healthiest Employers

Awards

May2016

September2016

August2016

A sampling of client communication email topics.• Compliance Alerts:

– ACA Audit Prep– BAAs and HIPAA Compliance Training– HSA Brainshark on Mid-Year Changes– ACA Employer Notice Program– EEOC Wellness Final Regulations– Transitional Reinsurance Fee and PCORI Fee Details– Updated ACA Client Guide– Tax Questions You Can Expect from Employees– COBRA Participants May Save Money on the Marketplace

• Annual Arizona Employee Benefits Benchmarking Survey

• Webinars--(live and recorded): – Avoiding Leave of Absence Mistakes– DOL’s New Exemption Rules– Candidate Screening Process– ACA Reporting– What Employers Should Know about HIPAA

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We Keep You Informed

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Why Benefit Commerce Group Should Be Your Employee Benefits Broker

Results Experience

Efficient benefits administration

Proven long-term strategy to improve your benefits and save money

Wellness programs that save money and boost productivity

Strong carrier relationships

Ability to deal directly with underwriting and claims issues

Financial analysis, forecasting and budgeting

Project managementRisk management