Benefits Operating System®

Background Inception 1991 by Daniel Freund, CFP, ChFC, CLU 1993; John Alexander Unum CIO becomes partner 2000; C Corp; 2 dozen angels & State of ME Today 16 FT; 3PT EE; profitable 50% revenue carriers; 50% producers Approximately 200 products built Largest worksite portfolio 2010 best year; sales up 30%

Common Census Design Recycle all data Grow the usefulness of the core database Use Industry standard components & technology Leverage the Internet but don’t require it Connect to other vendors to extend usefulness –Links to Carrier for enrollment and billing –Links to Payroll & HRIS –EDI to cooperating carriers (834, proprietary)

Common Census delivers solutions to enroll, bill and manage employee benefits. Our customers include: Employers Employees and Individuals Insurance Professionals Insurance Carriers Banks and Credit Unions Third Party Administrators Our Customers

Proprietary vs. Common Census FeatureProprietaryCommon Census EnrollersLearn new systemKnown System PlatformsLaptop, web and call center not coordinated All 3 platforms available at once Web DevelopmentIf any development, users have separate site Develop With or Without Laptop & Call Center PortalSeparate somedayCommonBenefits.com MyOwnBenefits.com BrokersNo cross salesUnlimited cross sales OpportunitiesUnknownKey Producers Cost & DeliveryUnknownDefined Development TimeTrack recordRelatively quickly

New Business through Renewal Build Case with HOP portal; CC Coordinates Enroll with laptop or web or call center Administration (drop/add) by client –Some brokers assume this role –Worksite and core sales are fully integrated Remain as paperless as carriers permit Fully automated renewal (“Silent Renewals”) Integration with vendors for payroll & HRIS

Flexible Deployment Use laptop or call center or Web or all three for enrollment. Print or benefit statements and all completed paper forms and export data to carriers Post enrollment, ER and EE may use Internet employee self service (with HR oversight) at Brokers & HO use Common Census for admin functions; each from a secure portal Significant pricing discounts for “pooling” clients

Benefits to Home Office Works well for core and worksite designs Enrolls on laptops or on Web or from call center Easy to use for Employer & Broker/Enroller Requires only a PC with or without Internet Supports Signature Pad, PIN and Voice Low Cost to design and implement Designed to handle enrollment and life events Employees can enroll in 15 languages

Benefits to Broker / Enroller Superior cross selling opportunities Superior closing ratios –Employer insists you see everyone to assure employee data is updated and to verify all benefits were offered. –Voluntary / Worksite Benefits become part of the overall Employee Benefit Package. Extends and reinforces relationship between the Broker and Human Resources staff; BRANDED

Communicates true value of employee benefit package through customized Employee Benefit Statements Completes enrollment and any other forms Confirms employee enrollment choices Confirms all payroll deductions Creates list bill for any benefit –Automatic retroactive adjustments –Automates new additions –Tracks COBRA events –Tracks terminations –Vision of collaboration for online billing and Policy Services Benefits to Employer

Enroll & Administer any Employee Benefit Stores employee data for routine HR needs Creates flexible reports easily exported Connects to the Internet –Employee self administration with HR oversight –Employee self enrollment with HR oversight 15 language browsing Benefits to Employer (continued)

Benefits to Employee Better understanding and appreciation of benefits through personalized Employee Benefit Statement Unique Paychecker feature displays consequences of benefit elections (from gross to net pay) Payroll Deduction Statement summarizes all benefit elections Enrollment Confirmation memorializes decisions Browsing using Internet lets employee safely and easily communicate with Employer Portability with MyOwnBenefits.com 15 languages

Employee Browsing Visit and select Companywww.commonbenefits.com Employee enters Social Security number Employee enters unique PIN number Employee views –personal information –dependent information –enrollment information Employee s requested changes to HR Online tools for modeling benefits Online Coach to assist with enrollment

Savings & Advantages CC does Development CC does Support Cross Selling 100% Electronic acquisition 100% Electronic renewals Eliminate 99% of paper form expenses New & Better Brokers Flexible & Faster new product deployment Relatively simple to introduce Already proven system Laptop/Telephonic/Web CC is an industry standard

Tech Stuff Security: redundant, encrypted, all you expect Cloud: moving to Azure Hardware: your laptop or ours, with Topaz or without Browser: Microsoft or Firefox or Chrome Other: we generally work it out

More Information Daniel Freund, President Common Census, Inc X Fax All rights reserved. Common Census® 20