www.GBSwa.com

Results-Oriented Approach To Benefits Strategy & Service

ABC

| GallagherIntroducing

80+ benefits branches and specialty practices

Proven financial stability (NYSE: AJG)

$1.7 billion (global) in insurance premiums handled in 2009

Ranked one of nation’s top insurance firms, benefits advisors and places to work

GBS: National Scope

Bellevue

TacomaYakima

Team | Experience

Compliance 3 legal & compliance staff 1 legal counsel

Management & Infrastructure President 9 IT, Accounting, HR

Communications

5 comm. and technology specialists

Fulfillment 5 clerical and fulfillment specialists

Employee Advocacy

8 benefits specialists

Consulting & Account Management

11 consultants 14 account support staff

Analytics 9 market analystsUnderwriting analyst

GBS: Local Depth

Benefits Administration

20 administrators & QA staff

Gallagher Benefit ServicesVirtual Office Tour

Jami HansenSenior Client Consultant

20 years in industry10 years with Gallagher

Amber DiGangiClient Manager

8 years in industry2 years with Gallagher

Kevin CipolettiVP of Sales & Marketing24 years in industry3 years with Gallagher

Graham ThompsonSenior Marketing Analyst

12 years in industry12 years with Gallagher

Sally Wineman, Esq.Area Counsel19 years in industry19 years with Gallagher

Your Gallagher Service Team

Kathleen MorrisLead Benefits Specialist

17 years in industry3 years with Gallagher

Geromy BertrandVoluntary Benefits17 years in industry10 years with Gallagher

Takisha GreenbergEnrollment Coordination10 years in industry10 years with Gallagher

Reliable | Strategic Guidance

Results-Oriented Benefits Strategy

Reducing Liability

Saving Time

Saving Money

Ongoing Benefits Strategy

Renewal Marketing/Carrier Selection Claims Projections Contribution Strategy Analysis Funding Analysis IBNR (Reserve) Projections

Large Claims/Specific Deductible Analysis

Benefit Change Decrement Analysis

Post-Renewal Claims vs. Liability Costs vs. Budget

Outcome: Provide data and analysis critical to making strategic decisions

Workforce Evaluation Benchmarking (Benefits,

Contributions, etc.)

Claims Utilization Trend Forecasting

Implementation/Pre-Renewal

Workforce EvaluationThis strategic evaluation helps to sharpen your focus on the benefits and other

programs that will yield the most value on tight budgets.

Workforce composition analysis by gender and life/career stage yields a better understanding of the needs of different employee segments.

Pre-RetireeEstablishedMid-CareerEntry-Level

2 7 16 12

1 28 16 11

32 84 101 73

24 46 32 23

All Other Staff Loan Officers

Mal

eFe

mal

e

Key Talent

Workforce Evaluation: Insight into Needs

Pre-Renewal: Benchmarking

Renewal: Predictive Modeling

Physician - Preventive services

Forecast the effect of healthcare reform mandates and other plan changes

Renewal: Risk Analysis

0 1 2 3 4 5 6 7 8($500,000)

($400,000)

($300,000)

($200,000)

($100,000)

$0

$100,000

$200,000

$300,000

$400,000

$500,000

Series1

LifeWise ($400,000 ISL)LifeWise ($350,000 ISL)LifeWise ($300,000 ISL)Projected Claimants over $400,000

Number of Claimants Exceeding the ISL

Gai

n/(L

oss)

Renewal: Contribution Analysis

Post-Renewal: Claims Analysis

Legal | Compliance

Compliance Guidance

NationalLegal ComplianceExternal Legal Counsel and AdvocacyActuarial ConsultingUnderwriting

RegionalInternal Legal CounselLegal ComplianceUnderwriting

LocalLegal CompliancePlan ConsultingUnderwritingEmployee Communications

Legal Compliance: Our Approach

• Team of legal experts• Integrated with consulting and other services

Proactive Ongoing Monitoring

and Consulting

• Document review and preparation• Summary Plan Description generation

Contract andPlan Documents

• Enrollment compliance• Plan design red flags• Plan administration pitfalls• Privacy and security compliance

Comprehensive Legal Compliance Overview

• Newsletters and updates• Ongoing FAQ resource• Webinars• Compliance review

Healthcare ReformGuidance and Tools

Annual Compliance Review

Healthcare Reform Compliance Review

Online Healthcare Reform Resources

GBShealthcarereform.com

Healthcare Reform Financial Outlook Tool

Model Potential Impact of Mandates

Customized | Communication

Source: Watson Wyatt

Employee Communications: Trends

With effective benefit

communication

Without effective benefit

communication

Those with above average healthcare

benefits

Those with below average healthcare

benefits

76.2%83.6%

22.1%25.7%

Percentage of employees responding favorably to their benefits package:

Local:

4 content, graphics &

tech. specialists

Corporate: Graphics Dept.

Annual employee

communications plan

Open enrollment materials &

meetings

Benefits fairs, onsite

presentations, & webcasts

Online tools for employee

education

Employee survey design and analysis

Communications: Our Approach

Sample Communication Pieces

Employee | Advocacy

Employee Advocacy: Our Approach

Staff of 8 professional Benefit Specialists ingrained with client's culture and plan specificsToll free and email access, 6:00 am – 6:00 pm PST Access to language line interpretersAccess to in-house eligibility management platform for real-time dataAccess to preferred level of service with major carriers and TPAs through special service arrangementsCentralized HIPAA-compliant call logging and call log reportingPerformance standards include 4 hour maximum callback timeframeMore than 21,000 calls fielded in 2010

Call Logs

Client Satisfaction Surveys - Highlights

We survey our clients twice a year:2 to 3 months before their renewal2 to 3 months after their renewal

Questions are based on the following rating system:5 – Exceeds Expectations4 – Meet Expectations3 – Average Services2 – Below Average Service1 – Unacceptable Service Quality

Overall rank: 4.7 – Exceeds Expectations!

Voluntary | Benefits

Term life

AD&D

Short term disability

Long term disability

Long term care

Critical illness

Injury and accident

Vision

Pet Insurance

Benefits Buffet Lines of Coverage

Advantages to Employee:

Low price

Broad choice

Personalized form

Personal advocate

Portability

Higher guaranteed issue

Advanced claims reimbursement

Advantages to Employer:

Budget-neutral way to enhance benefits

Single consolidated monthly statement

Enhanced employee satisfaction

No internal admin. required

Includes EOI tracking & billing

Voluntary Benefits: Integrated Delivery

Other lines

Eligibility | Management

Client’s…

AccountingPayrollHR

GBSAdministrators

Eligibility Management

custom reports

datafeeds

OnlineEnrollment

System

Insurance Carriers

MedicalDentalLifeSTD & LTDSubsidiaries

Questions | Answers

We look forward to working with you!