fdac employment benefits authority · 29/01/2014 · strategic planning session administrator...
TRANSCRIPT
FDAC EMPLOYMENT BENEFITS AUTHORITY Board of Directors Meeting Wednesday, January 29, 2014
9:30 a.m. – 2:00 p.m.
Call-in Number: 1-800-250-2600 Participant PIN: 451 9494
San Jose City Hall
200 East Santa Clara Street, 13th Floor, Room T-1352 San Jose, CA 95113
Agenda
Item Action I. Welcome and Introductions
II. Public Comment Discussion
At this time, members of the public may address the Board on any item that is not on the agenda. No action may be taken on items that are not on the agenda unless authorized by law. Comments are limited to three minutes per person.
III. Consent Calendar Action
A. Minutes – November 18, 2013 B. Financials – December 31, 2013 C. Carrier Participation Report D. Membership of Schell-Vista FPD
IV. Beckwourth Fire District Request for Exception Info/Action
The Board will consider the request of Beckwourth Fire District to withdraw from the EBA pool effective January 1, 2014.
V. Update on Broker Contract Negotiations Info/Action Pursuant to the Section 4.2 of the Authorities confidentiality policy, the Board will receive materials for this item under separate confidential cover.
VI. Broker RFP Info/Action The Board may discuss moving forward with an RFP for brokerage services, pending the results the Contract Negotiations Committee provides at the meeting.
VII. Contract Negotiations Committee Purview Info/Action The Contract Negotiations Committee requests the Board approve the Committee moving forward with renegotiating the terms of the remaining consultant contracts.
VIII. Election of Officers Info/Action
The Board will elect the Board President, Vice President and Secretary/Treasurer for 2014.
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IX. Consultant Reports Info
The FDAC EBA contract consultants will provide updates in their respective service areas. A. Thoits/NFP B. BRMS C. David Turner D. David McMurchie E. Smith Moore & Associates
X. Director Comments Info
XI. Next Meeting Info/Action
XII. Adjourn Action
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FDAC EBA BOARD OF DIRECTORS
Meeting of January 29, 2014
AGENDA SUPPORTING DATA
Agenda Item III. Consent Calendar
A. Minutes – November 18, 2013 B. Financials – December 31, 2013
C. Carrier Participation Report D. Membership of Schell-Vista FPD
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FDAC EBA Board of Directors Meeting November 18, 2013
Sacramento Metropolitan FPD Headquarters
10545 Armstrong Avenue, Suite 200 Mather, California 95655-4102
In Attendance Consultants/Guests Charlene Virts, President David Turner, Actuary Jean Moore, Vice President Kimberly McCloskey, BRMS Tom Keating, Secretary/Treasurer Jane Phoong, BRMS Dan Grebil, Director David McMurchie, Legal Counsel Steve Kovacs, Director Anna Marie White, Thoits/NFP Rose Soria, Thoits/NFP Melissa Dixon, FDAC EBA Administrator Diane Northern, FDAC EBA Assistant President Charlene Virts convened the meeting at 9:33 a.m. President Virts welcomed everyone and a quorum was established. There was no public comment. Consent Calendar The Board first addressed the consent calendar, noting that there was a typographical error on the prior meeting’s minutes. It was requested that a percentage column be added to the budget v. actual financial reports presented to the Board. Director Tom Keating moved to approve the consent calendar, with the minutes as amended. Director Dan Grebil seconded. Ayes: Charlene Virts, Jean Moore, Tom Keating, Dan Grebil, Steve Kovacs Noes: None 2012-2013 Financial Audit Vice President Jean Moore moved to approve the 2012-2013 Financial Audit. Director Steve Kovacs seconded. Ayes: Charlene Virts, Jean Moore, Tom Keating, Dan Grebil, Steve Kovacs Noes: None 2014 Renewal Rates Director Keating moved to approve the 2014 renewal rates. Director Kovacs seconded. Ayes: Charlene Virts, Jean Moore, Tom Keating, Dan Grebil, Steve Kovacs Noes: None
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Strategic Planning Session Administrator Melissa Dixon gave her report on the financial history of the FDAC EBA. President Virts noted that costs for certain services had increased, and that those increases were impacting the assets of the organization. Staff was requested to draft a policy regarding who may contact legal counsel on behalf of the FDAC EBA, utilizing the Scotts Valley policy as a template. It was noted that legal requests should be submitted to the Board President or administrator for approval. Staff was also requested to ensure an RFP for auditing services was being conducted every 3-5 years, and to draft a policy on records retention. Anna Marie White and Rosa Soria of Thoits/NFP provided an overview of the subsidies provided by the FDAC EBA. Administrator Dixon presented options for the FDAC EBA moving forward, including merging with another pool, joining the captive through Thoits/NFP, expanding the target beyond fire districts and adjusting current consultant contracts. In particular she noted that two consultant contracts, Thoits/NFP and BRMS, were on a commission basis and one of those (Thoits/NFP) included an automatic increase every year as rates increase. As the broker contract expires December 31, 2013, the recommendation was to request a flat-fee proposal from Thoits/NFP upon renewal. Broker Contract Vice President Moore moved to conduct an RFP for broker services, specifically requesting a flat-fee proposal with a breakdown of costs per each of the broker, customer relations and marketing services being provided. Director Grebil seconded. After some discussion, Vice President Moore amended her motion to authorize a three-month extension of the current contract between Thoits/NFP and forming a committee to negotiate a new contract. If a new contract could not be negotiated to everyone’s satisfaction, then an RFP would be conducted. Director Grebil concurred, Ayes: Charlene Virts, Jean Moore, Tom Keating, Dan Grebil, Steve Kovacs Noes: None The committee to discuss broker contract renewal will be Director Steve Kovacs, Vice President Jean Moore, and Administrator Melissa Dixon. The next meeting of the FDAC EBA Board will be January 13, 2014 at Thoits/NFP in San Jose, CA. President Virts adjourned the Meeting at 12:10 p.m.
Respectfully submitted,
Diane Northern
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12:46 PM 01/02/14 Accrual Basis
FDAC EBA Balance Sheet
As of December 31, 2013
Dec 31, 13
ASSETS
Current Assets
Checking/Savings
1005 · US Bank Business Checking 43,046.94
1020 · Money Market Account- MI3500 3,738.04
1030 · Margin Fund- MI3698 59,434.21
1040 · Reserve 7341 -(BRMS held) 109,325.49
1060 · Comerica- Money Market
1060.02 · CD to 06/20/2014 135,000.00
1060.04 · CD to 09/18/2014 135,000.00
1060.06 · CD to 12/20/2013 100,000.00
1060.08 · Cd to 03/24/2014 170,000.00
1060.98 · Accrued Interest 675.02
1060 · Comerica- Money Market - Other 185.67
Total 1060 · Comerica- Money Market 540,860.69
Total Checking/Savings 756,405.37
Accounts Receivable
1200 · Accounts Receivable 10,674.51
Total Accounts Receivable 10,674.51
Other Current Assets
1240 · Pre Paid Expense 5,000.00
Total Other Current Assets 5,000.00
Total Current Assets 772,079.88
TOTAL ASSETS 772,079.88
LIABILITIES & EQUITY
Equity
3000 · Reserves & Contingencies 50,000.00
3100 · Retained Earnings 758,451.81
Net Income -36,371.93
Total Equity 772,079.88
TOTAL LIABILITIES & EQUITY 772,079.88
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12:49 PM 01/02/14 Accrual Basis
FDAC EBA Budget vs. Actual
July through December 2013
2013-2014Jul - Nov 13 Budget $ Over Budget % of Budget
Ordinary Income/Expense
Income
4000 · INCOME
4100 · Interest 930.64 900.00 30.64 103.4%4300 · Premium Earnings 3,462,631.97 7,663,331.87 -4,200,699.90 45.18%
Total Income 3,463,562.61 7,664,231.87 -4,200,669.26 45.19%
Expense
6000 · EXPENSE
6010 · Administration
6014 · Administration Contract 30,000.00 60,000.00 -30,000.00 50.0%
6016 · Third Party Administrator 48,761.65 107,286.65 -58,525.00 45.45%
6018 · FDAC Subsidiary Fee 0.00 20,000.00 -20,000.00 0.0%6010 · Administration - Other 0.00 0.00 0.00 0.0%
Total 6010 · Administration 78,761.65 187,286.65 -108,525.00 42.05%
6040 · Bank Service Charges 45.00 60.00 -15.00 75.0%
6100 · Board Meetings 814.98 850.00 -35.02 95.88%
6150 · Broker 130,837.05 268,216.62 -137,379.57 48.78%
6200 · Carrier Expenses
6200.03 · Carrier Payments 3,254,619.38 7,213,494.29 -3,958,874.91 45.12%6200 · Carrier Expenses - Other 0.00 0.00 0.00 0.0%
Total 6200 · Carrier Expenses 3,254,619.38 7,213,494.29 -3,958,874.91 45.12%
6300 · Insurance6320 · E & O Insurance 1,380.64 1,250.00 130.64 110.45%
Total 6300 · Insurance 1,380.64 1,250.00 130.64 110.45%
6650 · Office Supplies
6665 · Office 0.00 75.00 -75.00 0.0%6650 · Office Supplies - Other 0.00 0.00 0.00 0.0%
Total 6650 · Office Supplies 0.00 75.00 -75.00 0.0%
6700 · Operating Expenses
6710 · Postage and Delivery 9.21 50.00 -40.79 18.42%
6715 · Printing and Reproduction 5.67 50.00 -44.33 11.34%
6720 · Staff Travel 0.00 75.00 -75.00 0.0%
6730 · Telephone 298.03 600.00 -301.97 49.67%
6735 · Storage 62.93 150.00 -87.07 41.95%
6740 · Operating Expense Other 0.00 50.00 -50.00 0.0%6700 · Operating Expenses - Other 0.00 0.00 0.00 0.0%
Total 6700 · Operating Expenses 375.84 975.00 -599.16 38.55%
6800 · Professional Fees
6801 · Accounting 7,750.00 8,500.00 -750.00 91.18%
6804 · Consulting/Actuary 18,000.00 36,000.00 -18,000.00 50.0%
6807 · Legal Fees 7,350.00 15,000.00 -7,650.00 49.0%6800 · Professional Fees - Other 0.00 0.00 0.00 0.0%
Total 6800 · Professional Fees 33,100.00 59,500.00 -26,400.00 55.63%
Total 6000 · EXPENSE 3,499,934.54 7,731,707.56 -4,231,773.02 45.27%
Total Expense 3,499,934.54 7,731,707.56 -4,231,773.02 45.27%
Net Ordinary Income -36,371.93 -67,475.69 31,103.76 53.9%
Net Income -36,371.93 -67,475.69 31,103.76 53.9%
Page 1 of 17
12:47 PM 01/02/14 Accrual Basis
FDAC EBA Profit & Loss
July through December 2013
Jul - Dec 13 Jul - Dec 12 $ Change % Change
Ordinary Income/Expense
Income
4000 · INCOME
4100 · Interest 930.64 36.87 893.77 2,424.11%4300 · Premium Earnings 3,462,631.97 3,746,176.88 -283,544.91 -7.57%
Total Income 3,463,562.61 3,746,213.75 -282,651.14 -7.55%
Expense
6000 · EXPENSE
6010 · Administration
6014 · Administration Contract 30,000.00 30,000.00 0.00 0.0%
6016 · Third Party Administrator 48,761.65 51,152.95 -2,391.30 -4.68%6018 · FDAC Subsidiary Fee 0.00 20,000.00 -20,000.00 -100.0%
Total 6010 · Administration 78,761.65 101,152.95 -22,391.30 -22.14%
6040 · Bank Service Charges 45.00 30.00 15.00 50.0%
6100 · Board Meetings 814.98 171.60 643.38 374.93%
6150 · Broker 130,837.05 143,106.17 -12,269.12 -8.57%
6200 · Carrier Expenses6200.03 · Carrier Payments 3,254,619.38 3,526,700.65 -272,081.27 -7.72%
Total 6200 · Carrier Expenses 3,254,619.38 3,526,700.65 -272,081.27 -7.72%
6300 · Insurance6320 · E & O Insurance 1,380.64 1,219.76 160.88 13.19%
Total 6300 · Insurance 1,380.64 1,219.76 160.88 13.19%
6700 · Operating Expenses
6710 · Postage and Delivery 9.21 23.41 -14.20 -60.66%
6715 · Printing and Reproduction 5.67 10.11 -4.44 -43.92%
6730 · Telephone 298.03 214.80 83.23 38.75%
6735 · Storage 62.93 34.15 28.78 84.28%
6740 · Operating Expense Other 0.00 47.85 -47.85 -100.0%
Total 6700 · Operating Expenses 375.84 330.32 45.52 13.78%
6800 · Professional Fees6801 · Accounting 7,750.00 450.00 7,300.00 1,622.22%
6804 · Consulting/Actuary 18,000.00 18,000.00 0.00 0.0%6807 · Legal Fees 7,350.00 3,160.50 4,189.50 132.56%
Total 6800 · Professional Fees 33,100.00 21,610.50 11,489.50 53.17%
Total 6000 · EXPENSE 3,499,934.54 3,794,321.95 -294,387.41 -7.76%
7000 · Uncategorized 0.00 0.00 0.00 0.0%
Total Expense 3,499,934.54 3,794,321.95 -294,387.41 -7.76%
Net Ordinary Income -36,371.93 -48,108.20 11,736.27 24.4%
Net Income -36,371.93 -48,108.20 11,736.27 24.4%
Page 1 of 18
January 2014
Group # Group Name Current Count10311 FDAC Amador Fire Protection District 610271 FDAC Beckwourth Fire District 110151 FDAC Bodega Bay Fire District 710158 FDAC Cloverdale Fire District 410276 FDAC Deer Springs Fire Protection District 110160 FDAC Ebbetts Pass Fire District 2210164 FDAC Gold Ridge Fire Protection District 410167 FDAC Lake County Fire Protection District 1910474 FDAC Murphys Fire District 110172 FDAC North Central Fire Protection District 510194 FDAC Rescue Fire Protection District 510176 FDAC Rincon Valley Fire Protection District 2310181 FDAC Russian River Fire Protection District 210231 FDAC Sacramento River Fire District 110186 FDAC Stanislaus Consolidated Fire Protection Dist. 1510340 FDAC Valley of the Moon Fire Protection District 1110188 FDAC Windsor Fire Protection District 310189 FDAC Woodbridge Fire Protection District 10
140
Carrier: Health Net
Health Net9
January 2014
Group # Group Name Current Count10311 FDAC Amador Fire Protection District 710151 FDAC Bodega Bay Fire District 510160 FDAC Ebbetts Pass Fire District 110164 FDAC Gold Ridge Fire Protection District 610194 FDAC Rescue Fire Protection District 410176 FDAC Rincon Valley Fire Protection District 510181 FDAC Russian River Fire Protection District 1210186 FDAC Stanislaus Consolidated Fire Protection Dist. 3610340 FDAC Valley of the Moon Fire Protection District 3310188 FDAC Windsor Fire Protection District 1610189 FDAC Woodbridge Fire Protection District 11
136
Carrier: Kaiser Permanente of CA
Kaiser10
January 2014
Group # Group Name Current Count10147 FDAC Alpine Fire Protection District 1310311 FDAC Amador Fire Protection District 1610148 FDAC Arcata Fire 2310150 FDAC Bennett Valley Fire Protection District 310151 FDAC Bodega Bay Fire District 1010153 FDAC Branciforte Fire Protection District 310154 FDAC Burney Fire Protection District 410156 FDAC Central Calaveras Fire & Rescue Prot. Dist. 310199 FDAC City of American Canyon 7510158 FDAC Cloverdale Fire District 410160 FDAC Ebbetts Pass Fire District 2510164 FDAC Gold Ridge Fire Protection District 1210201 FDAC Happy Valley Fire Protection District 310165 FDAC Higgins Fire Protection District 1310166 FDAC Kelseyville Fire Protect District 1810167 FDAC Lake County Fire Protection District 2010280 FDAC Lakeside Fire Protection District 2210168 FDAC Mammoth Lakes Fire Protection District 1210170 FDAC Mokelumne Rural Fire Protection District 1210474 FDAC Murphys Fire District 210183 FDAC North County Fire Protection Dist. 6710174 FDAC Novato Fire Protection District 13110175 FDAC Penn Valley Fire Protection District 1110176 FDAC Rincon Valley Fire Protection District 2410177 FDAC Ross Valley Fire Department 3210181 FDAC Russian River Fire Protection District 1410185 FDAC Southern Marin Fire Protection District 6010187 FDAC Tiburon Fire Protection District 3310188 FDAC Windsor Fire Protection District 15
680
Carrier: Delta Dental
Delta Dental11
January 2014
Group # Group Name Current Count10147 FDAC Alpine Fire Protection District 310280 FDAC Lakeside Fire Protection District 1510169 FDAC Mokelumne Hill Fire Protection District 410183 FDAC North County Fire Protection Dist. 7
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Carrier: MetLife
MetLife12
January 2014
Group # Group Name Current Count10147 FDAC Alpine Fire Protection District 1610311 FDAC Amador Fire Protection District 1610163 FDAC American Canyon Fire Protection District 2310149 FDAC Ben Lomond Fire District 410151 FDAC Bodega Bay Fire District 610153 FDAC Branciforte Fire Protection District 310154 FDAC Burney Fire Protection District 410156 FDAC Central Calaveras Fire & Rescue Prot. Dist. 310155 FDAC Central Fire Protection District 7910199 FDAC City of American Canyon 7010158 FDAC Cloverdale Fire District 410160 FDAC Ebbetts Pass Fire District 2510162 FDAC Felton Fire Department 210164 FDAC Gold Ridge Fire Protection District 1110201 FDAC Happy Valley Fire Protection District 310165 FDAC Higgins Fire Protection District 1310166 FDAC Kelseyville Fire Protect District 1910167 FDAC Lake County Fire Protection District 2010280 FDAC Lakeside Fire Protection District 1710168 FDAC Mammoth Lakes Fire Protection District 1210169 FDAC Mokelumne Hill Fire Protection District 310170 FDAC Mokelumne Rural Fire Protection District 1110474 FDAC Murphys Fire District 110183 FDAC North County Fire Protection Dist. 4310174 FDAC Novato Fire Protection District 11010175 FDAC Penn Valley Fire Protection District 1010194 FDAC Rescue Fire Protection District 510176 FDAC Rincon Valley Fire Protection District 2010177 FDAC Ross Valley Fire Department 1010181 FDAC Russian River Fire Protection District 13
Carrier: Vision Service Plan
VSP13
January 2014
Group # Group Name Current Count
Carrier: Vision Service Plan
10184 FDAC Scotts Valley Fire District 2410185 FDAC Southern Marin Fire Protection District 5510186 FDAC Stanislaus Consolidated Fire Protection Dist. 5010187 FDAC Tiburon Fire Protection District 2710281 FDAC Truckee Fire Protection District 4810188 FDAC Windsor Fire Protection District 1310189 FDAC Woodbridge Fire Protection District 7
800
VSP14
January 2014
Group # Group Name Current Count10147 FDAC Alpine Fire Protection District 1710311 FDAC Amador Fire Protection District 2010163 FDAC American Canyon Fire Protection District 1610148 FDAC Arcata Fire 2210149 FDAC Ben Lomond Fire District 3310152 FDAC Boulder Creek Fire District 110153 FDAC Branciforte Fire Protection District 310154 FDAC Burney Fire Protection District 410155 FDAC Central Fire Protection District 9010199 FDAC City of American Canyon 7510158 FDAC Cloverdale Fire District 310160 FDAC Ebbetts Pass Fire District 2310162 FDAC Felton Fire Department 3210309 FDAC Fortuna Fire Protection District 510201 FDAC Happy Valley Fire Protection District 310165 FDAC Higgins Fire Protection District 1110166 FDAC Kelseyville Fire Protect District 2110167 FDAC Lake County Fire Protection District 2010169 FDAC Mokelumne Hill Fire Protection District 810170 FDAC Mokelumne Rural Fire Protection District 1010474 FDAC Murphys Fire District 110172 FDAC North Central Fire Protection District 210183 FDAC North County Fire Protection Dist. 6710173 FDAC North San Juan Fire Protection District 1610175 FDAC Penn Valley Fire Protection District 1310177 FDAC Ross Valley Fire Department 3010184 FDAC Scotts Valley Fire District 3710185 FDAC Southern Marin Fire Protection District 4810187 FDAC Tiburon Fire Protection District 2910188 FDAC Windsor Fire Protection District 25
Carrier: Standard EAP
Standard EAP15
January 2014
Group # Group Name Current Count
Carrier: Standard EAP
685
Standard EAP16
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FDAC EBA BOARD OF DIRECTORS
Meeting of January 29, 2014
AGENDA SUPPORTING DATA
Agenda Item IV. Beckwourth Fire District Request for Exception
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DRAFT Minutes for November 21, 2013
Beckwourth Fire District 1. Meeting called to order at 6:30 PM by George Bundy.
2. Roll Call: Board Members: Chairman: George Bundy, Vice Chairman: Ralph Taylor, (absent), Denisce Downs, Dean Maddalena and Joseph Gottas (6:37) Chief: Greg McCaffrey Admin. Assistant: Fran Zeits Battl1ion Chief: Bruce Lackenbauer (6:35) Public: Josh Nelson, BB&K attorney; Greg Hagwood, Gerry Hendrick, Sheriff Department, and Jerry Sipe, Plumas OES
3. The Pledge of Allegiance:
4. Approval of the Minutes for the Board Meeting held on October 17, 2013: Denisce motioned to approve minutes for October 17, 2013 and Dean seconded, all in favor.
5. Approval of the Account Receivables, Expenditures, Revenue and Balance Sheet for the Month of October, 2013: Dean noticed the majority of the items on the account receivables were invoices for MVAs and asked if the District is still pursuing to contract a private company to handles claims. Greg assured him that is the objective, but need to update the fee schedule and adopt as a fee ordinance. Dean motioned to approve the Account Receivables, Expenditures, Revenue and Balance Sheet for the Month of October, 2013 and George seconded, all in favor.
6. PUBLIC COMMENT: None 7. Consent Agenda Items: None 8. Secretary’s Report: Fran informed George and Greg that performance reviews will be due for
January’s board meeting. Also, Board’s consideration/acknowledgement for pay increases will be on the January’s agenda. Informed the Board the audit firm, Robert Johnson, CPA, will be at Station 1 on November 25th and 26th. Received Joseph Gottas’ and Dr. Donald Ball’s board member certification of appointments - term is from December 6, 2013 thru December 1, 2017. Congratulations! Located Resolution 2006-11 confirming the Station 2 construction bond for $250,000 was released in 2006.
9. Chief’s Report: Grants: FEMA Turnout Grant: Finalization is on hold until system is upgraded. FEMA Safer Grant: The five year grant will expire in December. Radio Grant: The radio grant has been finalized and submitted by Kurt Bradley, First Responder Grant, Inc. Training: EMT re-cert class is tentatively scheduled for January, 2014, pending date. LAFCO: 2011 group annexation is finished. Last three have finalized requirements with LAFCO and have been sent to BOE. Received confirmation the first six were sent to BOE a year ago and will be on the 2014/2015 tax roll. The last three will be on 2015/2016 tax roll pending confirmation. Greg and Fran identified 24 plus non district structures located in Beckwourth Fire District’s SOI. Proposing another group annexation project thru LAFCO and LAFCO agreed to a substantial discount if parties are interested. Will send out mailers in 2014. Engine Updates: #9471 replacing the existing pump with a rebuilt pump in January. #9422
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foamy system will be checked tomorrow by High Desert. Dixie Valley: No word. Davis Hydro Project: Letters were sent from the County to developer but Terry Swofford confirmed at the October 17th board meeting the County has not received any correspondence. Still no word. Grizzly Ranch Hydrants: Greg met with Mike Kroencke and Jim Heimstra at Grizzly Ranch and opened a couple of hydrants to display a visual output with unacceptable water pressure and one with the correct water pressure. Mike Kroencke observed the sufficient difference in the output. Discussed the California mandate requiring water sprinkler system installation for new construction. Office Trailer Dixie Valley: No word. Xmas Party: Scheduled for December 21st at 6 pm.
10. Sheriff’s Department SOI Boundaries & Emergency Call/Dispatch: Greg Hagwood, Gerry Hendricks and Jerry Sipe participated in the research and presentation with supporting documentation to the Board regarding SOI boundaries and emergency dispatching inaccuracies, which the District has continuously addressed on numerous occasions. Tonight was the first step to discuss and find possible remedies to resolve the unresolved dispatch issues in a productive and equitable way. The dispatch department acknowledges that dispatching is an ongoing issue that ultimately affects the service to the citizens in the District. The system was approved and installed in 2005. Merging technology is an ongoing challenge. The systems functionality was explained in great detail and the data shared with the Board broaden their knowledge of the complexity of the issue. The challenges and solutions need to be address collectively by the whole county. The cost burden associated with the problem needs to be shared by the whole county. Numerous questions were addressed and answered and questions that needed further investigation will be rolled over and updated at the next scheduled board meeting. All participants agreed to continue to discuss and collectively address technical aspects and financial aspects. Upon future collective agreement the tentative solutions will be presented to the Plumas County BOS for their input and financial support. George asked Fran to place item on the agenda for the next board meeting so discussion may continue.
11. Safety Inspection Report: Katie Hinckley from Certified Environmental & Safety Training spent approximately 2.5 hours (Station 1 & 2) scrutinizing mandated OSHA safety requirements. Greg handed out a list of items and noted that majority of the items are easy fixes. Ten plus items have already been resolved. The two largest expenses on the list were a fire proof cabinet, which was scheduled to be purchased in 2014, and the installation of emergency exit lights (3). An ad will be placed in the Portola Recorder for public bids. Dean asked if garage doors safety eyes would be installed. Greg is looking into the feasibility for Station 1 because the garage door mechanisms are quite old. Station 2 the door safety eyes were installed during construction. Greg and Fran proposed to the Board once all the items are satisfied it would be beneficial for Katie Hinckley to revaluate.
12. IIPP (Illness Injury Prevention Plan: Rolled over. 13. Board Vacancy Newspaper Article: After the November election one board seat needs to be
filled. Board vacancy notification will be posted (15 days) at Station 1 in the exterior bulletin board, Portola post office , Portola City Hall and an ad placed in the Portola Reporter. Fran reminded Dean to send a letter of intent to the Board before the next board meeting.
14. Andy Morris, Attorney Leaving BB&K Recommends Colleague Josh Nelson: Short presentation: Unfortunately, Andy Morris who has been the District’s General Counsel is leaving BB&K. Andy Morris has been Josh Nelson mentor for the last several years. Greg stated he has worked with Josh on a couple of issues and recommended to the Board to have
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Josh Nelson to be the District’s General Counsel starting January 1, 2014. Fran asked Josh Nelson to explain to the Board the procedure and process for filing a small claims action. A public agency is limited to less than $5,000, no lawyers are involved, staff person may present the case, not a lot of legal fees, and if successful with the small claims a judgment is rendered. The judgment is handled in the same matter as if the lawsuit was $250,000+. Record judgment in the county or counties where the defendant lives or doing business and the judgment will be attached to the defendant’s properties/assets and it becomes a lien, which has to be satisfied if defendant sells the properties/assets in the future. Denisce made a motion to appoint Josh Nelson as the District’s legal counsel starting January 1, 2014 and Dean seconded, all in favor. Motioned passed without objection. The Board welcomed Josh.
15. Grizzly Ranch Invoice #13-1047 (Annual Fire Hydrant Testing) – Small Claims: Topic procedure was discussed in #15 and Fran will pick up the small claim document for completion from the Portola court house. Dean motioned to proceed in filing a small claims against Grizzly Ranch Invoice #13-1047 ($3,400.00) and Denisce seconded. All in favor. Passed without objection.
16. Policy & Procedures #5010, 5020, 5030, 5040, 5050, 5060 & 5070: Policies were discussed at the October 17th board meeting and accepted but a motion to accept policy changes was an oversight. Denisce motioned to approve changes to #5010, 5020, 50340, 5040, 5050 & 5070 and Joseph seconded. Motion passed without objection.
17. Policy & Procedures #5080 New Board of Director’s Orientation Package: Orientation Package was given to each of the board members after the October 17th board meeting for review. No changes were suggested. Denisce motioned to approve the new board of director’s orientation package as drafted and make it a requirement for all new elected and appointed board members to review. George seconded. Motion passed. .
18. Policy & Procedures #2110 Health & Welfare Benefits: #2110 was drafted and approved in 2009. Medical insurance was available thru the District’s affiliation with FDAC-FBA. Greg met with a representative for Obama Care in November and signed up for medical insurance thru Blue Cross, a better plan and the yearly premium is significantly less. Cost savings for the District and cost savings for employee(s). Denisce motioned to approve the revised policy #2110 allowing employees to choose and obtain medical insurance thru a company of their choice and Joseph seconded. Motion passed without objection.
19. Battalion Chiefs’ Report: Bruce will install the headliner for engine #9422 next week upon arrival.
20. Division Chiefs’ Report: N/A 21. Directors’ Reports: Denisce: Informed everyone present that Plumas-Sierra REC offers
free notary services to all members. Thanked Greg for giving Ed permission to accompany her to Everett Guidici’s service at the Vinton cemetery. He was one of the original fire fighters when the Beckwourth Fire Department was established in 1949. George: None. Dean: None. Joseph: Joseph mentioned the article in the newspaper relating to the trailer fire in Quincy. Fire was extinguished and six hours later the trailer reignited, extinguished again but the next day it reignited once more. Joseph suggested for Greg to implement training (verbal/hands-on) to demonstrate the possibility. Greg informed the Board his goal thru pursuing local donations to purchase a thermal imager in 2014 which will assist the fire
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fighters in determining undetectable hot spots and will be beneficial for training as Joseph suggested.
22. Old Business: NIMS Requirement: IS100 (Denisce’s certificate) IS700 Denisce is still having problems with the website. Proposed Future Annexation in BFD’s SOI: Winter project Dixie Valley: No word. Fire Assessment/Tax: Winter project County’s Airport Emergency Policy Hand Book: No word. Grizzly Ranch Hydrants: Refer to #9 under Chief’s report. Grizzly Ranch Office Trailer (Dixie Valley): No word.
23. New Business: Next Board Meeting: The Christmas party is scheduled for December 21st at 6:00 pm and the Board discussed the possibility of canceling the December scheduled meeting for December 18th. Joseph motioned to cancel the December’s board meeting and convene on January 16, 2014 at 6:30 pm and Dean seconded, all in favor. Motion passed.
24. Adjournment: Adjourned at 8:46 pm. Denisce motioned and George seconded, all in favor. Motion passed.
I, FRAN ZEITS, SECRETARY OF THE BOARD, DO HEREBY CERTIFY THAT THE FOREGOING MINUTES OF SAID MEETING OF THE BECKWOURTH FIRE DISTRICT HELD ON November 21, 2013 ARE CORRECT AS RECORDED.
__ _____________________ Fran Zeits, Secretary of the Board
BOARD OF DIRECTORS APPROVAL SIGNATURES: Minutes for November 21, 2013 George Bundy: ___________________________________Date: _______________ Denisce Downs: __________________________________Date: _______________ Joseph Gottas: __________________________________ Date: _______________ Dean Maddalena: _________________________________Date: _______________ Donald Ball MD: ___________________________________Date: _______________
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FDAC EBA BOARD OF DIRECTORS
Meeting of January 29, 2014
AGENDA SUPPORTING DATA
Agenda Item VI. Broker RFP
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ContentsSECTION 1 ............................................................................................................................................................ 3 INTRODUCTION .................................................................................................................................................. 3 OBJECTIVE: .......................................................................................................................................................... 3 HISTORY OF FDAC EBA: ................................................................................................................................... 3 FINANCIAL INFORMATION: ............................................................................................................................. 3 SIZE OF BENEFIT PROGRAM: .......................................................................................................................... 4 FDAC EBA PROGRAM COVERAGES: .............................................................................................................. 4
SECTION 2 ................................................................................................................................................................... 5 BROKER SERVICES ............................................................................................................................................ 5 SCOPE OF WORK ................................................................................................................................................ 5
RATING ................................................................................................................................................................. 7 DOCUMENTS ....................................................................................................................................................... 7 MARKETING ........................................................................................................................................................ 7 SECTION 3 ................................................................................................................................................................... 8 SUBMITTAL REQUIREMENTS ......................................................................................................................... 8 FORM OF PROPOSAL AND CONTENT ............................................................................................................ 8 SECTION 4 ................................................................................................................................................................. 13 SELECTION PROCESS ...................................................................................................................................... 13 EVALUATION PROCESS .................................................................................................................................. 13 EVALUATION CRITERIA ................................................................................................................................. 13 SELECTION PROCEDURE:............................................................................................................................... 13 INTERVIEWS: .................................................................................................................................................... 13 SELECTION SCHEDULE: ................................................................................................................................. 14 SECTION 5 ................................................................................................................................................................. 15 TERMS AND CONDITIONS .............................................................................................................................. 15
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SECTION 1 INTRODUCTION
OBJECTIVE:
The FDAC Employment Benefits Authority (FDAC EBA) is seeking proposals from qualified firms to provide brokerage/consulting services for its medical, dental, vision, and life insurance programs.
The purpose of this Request for Proposal (RFP) is to provide a method for insurance broker selection and the basis for negotiating an agreement to provide such services. The Authority is seeking to reduce the cost of broker services while continuing to provide quality customer service. The term of the agreement would be for up to three (3) years with an option for an additional two (2) years, in one (1) year increments.
Proposals submitted in response to this request become the property of the JPA and are subject to provisions of the California Public Records Act. Bidders must clearly designate proprietary information or materials.
HISTORY OF FDAC EBA:
FDAC EBA is a California Joint Powers Authority government agency organized pursuant to Section 6500 et. seq. of the California Government Code to provide risk pooling for California local agencies that provide fire protection services. The pool began in 2005 as a member benefit of the Fire Districts Association of California, in response to an increase in the medical rates for insurance through CalPERS. Since that time, the Authority has continued to provide competitive benefits and a high level of customer service to all member agencies. Further information can be accessed via: http://www.firebenefits.org/
FINANCIAL INFORMATION:
Audited financial statement for the year ended June 30, 2013. Document can be viewed: http://www.firebenefits.org/governance-documents/
• Premium income: $7,426,681
• Carrier payments: $6,991,889 • Broker fees: $280,956
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SIZE OF BENEFIT PROGRAM:
Approximately 47 agencies statewide participate in the pool. The total number of covered members in the pool is 805 as of January 1, 2014.
FDAC EBA PROGRAM COVERAGES:
FDAC EBA’s Program currently provides the following options for coverage:
• Medical: Health Net (Basic & Premium) PPO, HMO and HSA Kaiser (Basic & Premium) HMO
• Dental: MetLife DHMO and Delta Dental • Vision: VSP • Life: Standard
Coverage documents can be viewed: http://www.firebenefits.org/products/
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SECTION 2 BROKER SERVICES
SCOPE OF WORK
GENERAL SERVICES 1 Fully dedicated staff with expertise to design, acquire, purchase and operate a health benefit program. 2 Provide information to the Board of Directors regarding insurance terms and conditions: pending rate (if available), coverage
problems or concerns, make a good faith effort to keep FDAC Employment Benefits Authority informed of market developments (including significant changes in the financial status of major insurers or reinsurers and other entities providing services to the program), trends and anticipated changes to the program and program renewal expectations.
3 Review of existing coverage placement. 4 Loss trend analysis/develop understanding of any new or additional loss exposures. [in conjunction with Administrator] 5 Development of underwriting specification data using up to date technology to generate professional proposal packages for
marketing purposes. 6 Preliminary underwriting and data entry and population of data for underwriting and rating to carrier. 7 Recommend coverage consistent with the exposures to provide a high level of coverage at the least possible cost. 8 Design insurance wording for the program contracts to meet the specific needs of FDAC EBA. 9 Review policy wording and coverage, check endorsements, recommend alternative language, revisions or corrections to
documents, where applicable. 10 Be available to consult and answer insurance related questions and concerns. 11 Attend client meetings. 12 Develop/prepare/maintain new member guidelines and accepting new members. 13 Review all applications for new members and coverage placement. 14 Make recommendation to the board to accept/reject prospects/new member applications for coverage. 15 Produce and maintain an administrative policy and procedures manual for the program. 16 In conjunction with Third Party Administrator, review billings and invoices as applicable 17 Oversee and coordinate all services purchased from insurance carrier(s). [In conjunction with Administrator] 18 Continuously monitor the program to assure its continuing balance of coverage scope, cost, service and stability. 19 Develop and recommend insurance and other risk financing or loss funding programs, techniques, methods whenever they will
benefit FDAC EBA. Work with actuary to perform a comprehensive analysis of actuarial projections and financial status towards self‐insurance for future program structure design.
20 Advise/explain programs: Benefits, risk management and coverage(s) to the Board or individual members (as needed). [In conjunction with Administrator]
21 Provide reports and analysis for Board decision making. 22 Maintain industry contacts with key organizations, professional associations and the insurance industry. 23 Attend meetings with the FDACEBA Board or other individuals as directed and make appropriate presentations. [In conjunction
with Administrator] 24 Monitor and manage external consultants to assure the delivery of quality services. Recommend changes in, or improvements
to services provided by consultant firms, as needed. [In conjunction with Administrator] 25 Monitor on‐line system – computerized database for all statistical information. 26 Develop effective risk management/loss control procedures. 27 Vendor selection of risk management/insurance programs/TPA’s/insurance carriers/etc. [In conjunction with Administrator]
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28 Advise/review risk impact of proposed new/revised programs. 29 Assist actuaries in review and analysis. 30 Monitor production of loss runs/claims information. 31 Report to the Board regarding any results in overboard losses that could impact negatively on the program. 32 Retain sufficient personnel to conduct the business affairs of FDACEBA. 33 Maintain claims files. 34 Claims handling oversight. 35 Compliance with any special claims handling instructions of FDACEBA. 36 Recommendation on reserve setting and penetration pooled funds. 37 Semi‐annual claims activity report by year/cumulative. 38 Detailed report by program year of claim activity‐cumulative all years. 39 Review progress of claims – look for trends. 40 With regards to claims, as required, provide advice/assistance to member agencies. 41 Marketing of the program at state conferences and local chapter level sessions such as PARMA, CAIPA, and FDACEBA. 42 Marketing expenses would include cost of travel, hotel, meals and/or car rentals. 43 Exhibiting fees/booth rental. 44 Annual membership dues and occasional attendance at local chapter level sessions. 45 Act as liaison between districts, district employees, and carriers. 46 Ensure prompt and accurate enrollments as requested. 47 Develop timeline for open enrollment. 48 Work with administrator on open enrollment processing. 49 Generate claims activity reports to Board for quarterly meetings. 50 Coordinate issuing of certificates of coverage. 51 Advise/explain and monitor Patient Protection and Affordable Care Act (PPACA), health environment in State of California as it
concerns and affects the EBA and the members it serves.
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RATING
The consultant shall, in conjunction with the actuary: 1. Develop an experience rating system that is meaningful and fair and provides an incentive
for members to remain active in the pool. 2. Determine the best rate structure for the FDAC EBA members, and make
recommendations on same to the FDAC EBA Board of Directors. 3. Determine which incoming groups would be appropriate to introduce into the pool, and
make recommendations on same to the FDAC EBA Board of Directors.
DOCUMENTS
The consultant shall: 1. Guarantee and ensure that all carrier agreements are delivered to the FDAC EBA in a timely
manner. 2. Review and assure accuracy of member Joint Powers Agreements (JPAs). 3. Review and issue Certificates of Coverage within 3 working days from date of approval. 4. Coordinate closely with the FDAC EBA selected Third Party Administrator (TPA) regarding
coverage, premiums and member billing issues.
MARKETING
The consultant shall: 1. Develop a study that includes known competitors of the FDAC EBA for reference. 2. Work with administration on marketing efforts for prospective members ‐ including
discussion of strategy and development of marketing materials.
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SECTION 3 SUBMITTAL REQUIREMENTS
Minimum Qualifications: 1. Licensed broker or professional with the ability to contract with product providers in the
areas of health, dental, vision, life and ancillary products in the State of California 2. A minimum of four years of experience as a business. 3. Primary representative assigned to this account shall have a minimum of five years of
experience in public agency pooled programs.
4. Experienced in developing and maintaining a multi‐employer health insurance plan and/or have cooperative purchasing agreements.
5. Fully versed in the Patient Protection and Affordable Care Act, (PPACA) and the health care environment in the State of California.
6. Expert on provider networks throughout the State of California.
7. Strong reputation of working with public entities.
FORM OF PROPOSAL AND CONTENT
(The following information must be provided) General Information: 1. Your firm name, home office address, address of the office to provide service under the
contract, name of contact person and telephone number. 2. Briefly describe your firm’s background, history and ownership structure including any
parent, affiliated or subsidiary company or partnerships.
3. Briefly describe the services your firm provides. 4. Identify and briefly describe the personal background of the primary contact person on the FDAC
EBA account.
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5. Describe the financial size of your company and what portion is derived from benefits brokerage.
6. Within the past three years, have there been any significant developments in your firm such as changes in ownership, restructuring, or personnel reorganization/departures? Do you anticipate any significant future changes within the firm? If yes to either question, provide details.
7. General description of your firm ‐ including premium range of public entity clients, number of clients, number of employees, organizational structure, other business conducted or services provided, type of organization (franchise, corporation, partnership, etc.), and other relevant descriptive material.
8. Description of your firm’s employee turnover experience among professional, para‐
professional and support staff within the last three years and rationale for the turnover rate.
9. Identification of principal staff members who will be responsible for this account.
10. Describe how your firm will facilitate the customer service component of this contract. 11. Listing of the insurance companies with which your firm does business and the number of
years associated with each company.
12. Expert on the Patient Protection and Affordable Care Act (PPACA), integrating into your proposal the requirements of the PPACA.
13. Identify any services you are unable to perform under this RFP.
14. Describe any litigation in which your firm has been engaged during the last 5 years. Technical Proposal Information: 1. Provide a brief overview of all services and products your organization provides.
2. Describe your firm’s experience and capabilities, particularly with public entity employers. 3. Identify the strategy towards optimization of the JPA’s benefit program taking into
consideration: health care reform requirements on both a state and national basis; the risk tolerance level, the culture, and the local provider communities of the districts.
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4. Provide a recommendation and your vision of the JPA’s benefit program with a detailed description of where you anticipate expenditure reductions to come from.
5. Review the “Scope of Work” and provide a brief narrative of the nature of brokerage services that the FDAC EBA is seeking which the proposer will provide.
6. Describe how you keep employers informed of legislation affecting their benefit plans and the support that will be provided when law requires participant notification of a change.
7. Describe your ability to indemnify and hold the JPA, Board of Directors, and plan participants harmless against any and all claims, suits, actions, liabilities, and costs of any kind arising from your acts or omissions and those or your subcontractors, if any.
8. Does your organization have any financial or other interest in any service you are recommending or subcontracting with?
9. Provide an organizational chart that includes all names of management personnel and primary staff who will be assigned to the JPA account. Include biographies.
Include job title, current responsibilities, total years of experience in the field, years with firm, degrees and certifications, professional affiliations and any other relevant information. Resumes may be attached as an appendix to the proposal.
10. Describe which major functions and tasks will be performed by primary account
representatives and other key personnel. 11. Describe any services or portions of services that will be performed by a subcontracting
firm and provide relevant information on such firm’s qualifications and personnel. 12. Discuss your firm’s philosophy on the process of providing insurance brokerage and
customer services. 13. Briefly describe your firm’s technological resources, including equipment, software,
communications capabilities and staff support. Insurance Requirements The following insurance is required: 1. Commercial General Liability: Commercial General Liability insurance which affords
coverage at least as broad as Insurance Services Office “occurrence” form CG 00 01, with
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minimum limits of at least $1,000,000. Endorsements are required adding the JPA as an additional insured and providing primary and non‐contributory coverage.
2. Professional Liability: Professional Liability insurance with minimum limits of $2,000,000 each claim. Covered Professional Services shall specifically include all work to be performed under the contract and delete any exclusion that may potentially affect the work performed.
3. Workers’ Compensation: Workers’ Compensation insurance, as required by the State of California and Employer’s Liability insurance with a limit of not less than $1,000,000 each accident for bodily injury and $1,000,000 each employee for bodily injury by disease. A waiver of subrogation is required.
Conflict of Interest: Provide a statement of conflicts your firm, subcontracting firms and/or key staff may have regarding these services, particularly, other public entity pools. The statement should include not only actual conflicts, but also any working relationships that may be perceived by disinterested parties as conflicts. If no potential conflicts of interest are identified, so state in your proposal.
Assigned Personnel Assigned personnel must be approved by the JPA. If for any reason the service provided by assigned personnel is unsatisfactory, the proposer will agree to assign replacement personnel that will be approved by the JPA. Agreement Not to Discriminate In the performance of the terms of any contract resulting from this proposal, the provider agrees not to engage in nor permit subcontractors, where applicable, from engaging in any unlawful discrimination in employment of persons because of race, color, national origin or ancestry, age, gender, disability, sexual preference, or religion of such persons.
Fees/Pricing: FDAC EBA is interested in exploring different fee arrangements. Designate how you would be compensated under the following structures on an annual dollar basis: Please describe your ability to accept payment on a (1) fee only basis, (2) fee basis offset by commission (show anticipated dollar amount and percentage of commission), or (3) commission only basis (again please show anticipated dollar amount and percentage of commission).
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Service components: Broker services, Customer service and Marketing showing related cost for each component. No other fees, commissions, credit or other remuneration of any type may be collected or received by the broker or firm from the excess carrier. Any discounts, credits or refunds shall be applied to FDAC EBA’s premium. Other Information
1. Describe your firm’s disaster recovery plan as it relates to equipment, software, data and
personnel.
2. Describe areas or processes not included in the scope of this engagement your firm may examine in order to provide more complete and efficient services to the JPA.
3. Provide any additional information you believe to be relevant to the RFP and your firm’s
abilities to provide the requested services.
References Contact information for references shall be submitted by proposers responding to the RFP in order to be considered for award. A minimum of 3 references shall be provided. Authorized Signature The proposal must be signed and dated by the person authorized to bind your firm and should state the number of days your offer will remain firm after date of signature, and the person to be appointed as the JPA’s contact.
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SECTION 4 SELECTION PROCESS
EVALUATION PROCESS
Proposals will be evaluated by the FDAC EBA staff. The most promising firm(s) may be asked to submit further written information or may be asked to participate in an oral interview. FDAC EBA cannot pay travel expenses. Staff will present its recommendations to the FDAC EBA’s Board of Directors for consideration. A visit of the firm’s facilities may be requested.
EVALUATION CRITERIA
FDAC EBA will make its selection based on, but not limited to, the following criteria: 1. The degree to which the proposal responds to this request for proposals; 2. The adequacy and appropriateness of the program proposed; 3. The experience and professional reputation of the persons acting as principals; 4. The demonstrated ability of the firms to provide services requested; and 5. Cost of the services offered.
SELECTION PROCEDURE:
Final selection will be made by the Board of Directors based upon the quality of proposal, services offered, cost and interview of each firm.
INTERVIEWS:
Selected firms may be invited to participate in an interview with the Board of Directors and the Administrator. Every firm submitting a proposal may not be invited to an interview if, in the opinion of the FDAC EBA, that firm does not have a reasonable chance of being selected at the completion of the proposal review process.
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SELECTION SCHEDULE:
The schedule for the selection of the Insurance Brokerage firm is as follows:
Proposal Submittal March 1, 2014 Interviews (Tentative) March 15, 2014
Selection April 15, 2014 Approximate Start of Services June 1, 2014
All firms submitting proposals will not necessarily be invited to the selection interview. The broker selection process will be followed by contract negotiations. If negotiations are unsuccessful, the FDAC EBA will initiate negotiations with another qualifying firm.
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SECTION 5 TERMS AND CONDITIONS
1. This Request for Proposal does not commit the FDAC EBA to award a contract, nor to pay
any costs incurred in the preparation and submission of proposals. The Authority reserves the right to accept or reject, in whole or in part, any or all proposals and to cancel all or part of this Request for Proposals.
Awarding of the contract, if made, shall be made by the FDAC EBA’s Board of Directors to the firm submitting the most favorable proposal. Unsuccessful firms will be notified in writing.
2. FDAC EBA reserves the right to award the contract to the next most qualified firm if the
successful firm does not execute a contract within thirty (30) days after the award of the proposal.
3. FDAC EBA reserves the right to request clarification of information submitted and to
request additional information of one or more applicants. 4. Any proposal may be withdrawn up until the date and time set above for the opening of
proposals. Any proposals not so withdrawn shall constitute an irrevocable offer, for a period of 90 days, to provide the FDAC EBA the services set forth in the attached specifications, or until one or more of the proposals have been approved by the FDAC EBA, whichever occurs first.
5. Any agreement or contract resulting from the acceptance of a proposal shall be on forms
either supplied or approved by the FDAC EBA and shall contain, as a minimum, applicable provisions of the request for proposal. The Board reserves the right to reject any agreement that does not conform to the request for proposal and any FDAC EBA requirements for agreements and contracts.
6. THIS INVITATION TO SUBMIT A REQUEST FOR PROPOSAL IS NOT AN AUTHORIZATION TO
APPROACH THE INSURANCE MARKETPLACE OR SERVICE AGENCIES ON BEHALF OF THE FDAC EBA. FDAC EBA SPECIFICALLY DIRECTS THAT NO CONTACT OR SOLICITATION OF INSURANCE MARKETS, OR MARKET RESERVATION, BE MADE ON BEHALF OF THE FDAC EBA. FAILURE TO COMPLY WITH THIS CONDITION WILL BE GROUNDS FOR DISQUALIFICATION.
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In order to be eligible for consideration, ten (10) copies of your proposal must be received no later than 4:00 P.M. March 1, 2014 at the office of
FDAC Employment Benefits Authority 1215 K Street, Suite 2290 Sacramento, CA 95814
Late proposals will not be accepted. Proposals may not be submitted by facsimile or email. In advance, thank you for your time and interest. Questions may be addressed to Ms. Melissa Dixon at (916) 231‐2941.
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