All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] Speaker: Date:

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] 2 Employees Aren’t Engaged Enrollment Reality: In the complex and often unfamiliar world of employee benefits, associate engagement can wane during the enrollment process, with many workers rushing through their benefits selections with little extra thought – sometimes at the last minute.

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] 3 Employees Need More Help Disengagement can signal a lack of knowledge versus a lack of interest, however, and may warrant a more hands-on approach to the enrollment process on the part of the employer. Enrollment Reality:

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] 4 Education = Engagement = Loyalty Ensuring employees have access to tools and resources will enable them to make more informed benefits choices and can pay off in the form of greater loyalty. Enrollment Reality:

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] 5 The Study found that there is a disconnect between the communication tactics employers use, or perceive as useful, and what employees actually want during the enrollment process. This can result in missed opportunities to connect with employees. Perception Is Not Always Reality Do What Matters Most:

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] 6 Let Your Employees Be Your Guide Do What Matters Most: In understanding the unique needs of their employees, companies can prioritize their enrollment activities, focusing first on the tactics that will have the greatest impact. A well-mapped enrollment plan can save time and money, all while boosting participation and loyalty.

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] Technology is Trending Look Forward: Social media and mobile apps for benefits may not rank highest on the list of tools that employees say they find most helpful at enrollment. But, take a closer look at the responses by age and a different picture emerges. 7

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] Questions? Learn more at: BenefitTrends.MetLife.com 8

All data from the 12 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0715][All States] About the Study About the survey MetLife’s 12th Annual U.S. Employee Benefit Trends Study was conducted during October and November of 2013 and consisted of three distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,510 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee survey comprised 1,203 interviews with full-time employees age 21 and over, at companies with a minimum of two employees. The broker survey comprised 524 interviews with brokers and consultants who sell group employee benefits to companies of all sizes. About GfK GfK is one of the world’s largest research companies, with more than 13,000 experts working to discover new insights into the way people live, think and shop, in over 100 markets, every day. GfK is constantly innovating and using the latest technologies and the smartest methodologies to give its clients the clearest understanding of the most important people in the world: their customers. To find out more, visit 9