for Saulisbury Business Machines, Inc. by Anne M. Donnelly and Richard B. Monahan, Jr., GBA Part of:

Confidential & Proprietary Cost to Employers Benefits Package to Attract & Retain Employees Benefits Reduction Employee Contribution …and not making any progress? and, reduce benefits as benefit cost continue to rise. To control cost, employers shift more cost to employees The Employer purchases a benefits plan to attract and retain good employees Do you have the feeling of working harder and harder…

Confidential & Proprietary Cost to Employers Benefits Package to Attract & Retain Employees The Employer purchases a benefits plan to attract and retain good employees

Confidential & Proprietary Cost to Employers Benefits Package to Attract & Retain Employees Employee Contribution To control cost, employers shift more cost to employees

Confidential & Proprietary Cost to Employers Benefits Package to Attract & Retain Employees Benefits Reduction Employee Contribution and, reduce benefits as benefit cost continue to rise. To control cost, employers shift more cost to employees

Confidential & Proprietary First Interview – Information Information Gathering GatheringStart First Interview – Information Information Gathering GatheringStart Uncovering needs through throughUnderstanding Conference call Uncovering needs through throughUnderstanding Conference call Needs & Opportunity Analysis AnalysisNeeds & Opportunity Analysis Analysis Report Findings (Final Proposal) Report Findings (Final Proposal) Earning Your Business Every Day !

Confidential & Proprietary LOW MED HIGH Value-Added Shift in Resource Focus to Increase Financial Rewards Partnership Future With Brown & Brown Today With your current broker Cost-Shifting Initiatives (No Brainers) Plan design changes, EE contribution changes (Transactional) Replaceable COBRA / 5500 Filing / Billing Issues / Employee Changes Add, Delete / Employee and Admin Questions/ FMLA, HIPPA, ERISA STRATEGIC INITIATIVES I n c r e a s e d f o c u s o n S t r a t e g i c i n i t i a t i v e s ! Majority of time Spent on Reacting to issues Cost-Shifting Initiatives (No Brainers) Plan design changes, EE contribution changes (Transactional) Replaceable COBRA / 5500 Filing / Billing Issues / Employee Changes Add, Delete / Employee and Admin Questions/ FMLA, HIPPA, ERISA STRATEGIC INITIATIVES Effective Renewal Negotiations, Financial Claims Analysis, Alternative Funding Arrangements, Wellness Initiatives, Medical Management, Trending

Confidential & Proprietary LOW MED HIGH Value-Added Shift in Resource Focus to Increase Financial Rewards Partnership FutureToday Cost-Shifting Initiatives (No Brainers) Plan design changes, EE contribution changes (Transactional) Replaceable COBRA / 5500 Filing / Billing Issues / Employee Changes Add, Delete / Employee and Admin Questions/ FMLA, HIPPA, ERISA STRATEGIC INITIATIVES Increased focus on Strategic initiatives! Cost-Shifting Initiatives (No Brainers) Plan design changes, EE contribution changes (Transactional) Replaceable COBRA / 5500 Filing / Billing Issues / Employee Changes Add, Delete / Employee and Admin Questions/ FMLA, HIPPA, ERISA STRATEGIC INITIATIVES Effective Renewal Negotiations, Financial Claims Analysis, Alternative Funding Arrangements, Wellness Initiatives, Medical Management, Trending

Confidential & Proprietary National Strength  180 Offices  Rigidity & hierarchy  The Freedom to Choose…  Promotes Creativity & More Ideas Decentralization  More Effective Solutions  More Diverse Options  More Strength Collective Wisdom A Division of: Getting off the hamster wheel ?? ?? ?? ?? Thank you

Confidential & Proprietary

 180 Offices  Rigidity & hierarchy  The Freedom to Choose…  Promotes Creativity & More Ideas Decentralization

Confidential & Proprietary  More Effective Solutions  More Diverse Options  More Strength

Confidential & Proprietary ????????