1. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] EXCEPTIONAL SERVICE CUSTOMER-FOCUSED SOLUTIONS PROVEN EXPERTISE SIZING UP BENEFITS CONFIDENCE Tailoring Benefit Strategies to Companies of Every Size Insights from MetLife’s 13 th Annual U.S. Employee Benefit Trends Study

2. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Different Sized Companies Require Different Benefit Solutions 2 MetLife’s U.S. Employee Benefit Trends Study shows that the more satisfied employees are with their benefits, the more satisfied they are with their jobs. But while all companies want to reap the long-term rewards of dynamic benefits, their paths to success can take many different forms. Sizing Up Benefits Confidence looks at four components of benefits success through the lens of small, medium-sized, and large companies.

3. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Ensure Selection Success with the 4 Cs of Benefits Confidence 3 The 4 Cs of Benefits Confidence build off four crucial areas of focus and provide a benefits strategy framework for companies large and small. This framework bears in mind the nuances of each company size, including growth and budget objectives, culture, education and communication practices, resource constraints, and regulatory concerns. Worker appreciation levels correlate with increases in the number of benefits offered. Offering a wider array of benefits is easier than you think. As employees look for the right coverage to meet their unique needs, employers should look to offer a range of options. This includes offering benefits such as domestic partner and extended family coverage. Employers can boost engagement and loyalty by demonstrating empathy towards their employees’ financial challenges and providing them with access to solutions. Benefits require comprehensive communication and education practices that help employees effectively use their selections with confidence.

4. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Making Benefits Count 4 The Study finds that worker appreciation levels correlate with increases in the number of benefits offered. Additionally, the Study finds that at companies where the number of benefits offered rises, so does employee appreciation, including intent to stay and likelihood of employees recommending their organization as a great place to work.

5. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Providing the Right Coverage Options 5 Employees were asked what they consider to be must-have benefits that will meet their personal needs. The top must-have benefits include traditional workplace benefits such as medical, dental, and vision. Yet, as employees as for more choice, employers should look at options such as domestic partner coverage and extended family coverage. The Study showed that only certain pockets of employers and industries are more likely to offer domestic partner coverage versus their counterparts.

6. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Demonstrating Care and Guidance 6 The Study found that employees across all demographics, regardless of the size of their employer, are grappling with some form of financial or personal wellness worry. These concerns are making them anxious about the long-term financial impacts of unexpected illness, death, or other hardships. Employees look to workplace benefits to alleviate some of this pressure, and turn to their employers for guidance during the selection process.

7. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Bringing Clarity to the Benefit Experience 7 The Study found that the strongest drivers in employee benefit selection confidence were easy-to-understand communications and their understanding of how much they would pay for a service. Yet, between the segments, there were differences in how confident employees were in their decisions during their last annual enrollment, revealing an opportunity for employers to use better education and communication tactics to bring clarity to the selection process.

8. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] Turning Insights to Action 8 The 4 Cs of Benefits Confidence reinforce the importance of a truly comprehensive benefits offering, ensuring employees across all company sizes have access to the right solutions to fit their needs, as well as the help and guidance they need to make confident selections. COUNT - Employers should work with their brokers, consultants, and providers to assess whether budget allows for opportunities to enhance and grow existing portfolio in a cost effective way. COVERAGE - Seek to better understand employee benefit needs, and act to close gaps in preferences and expectations. CARE - Partner with employees on their financial security by offering tools and resources that help them sort through their current financial situation and look optimistically to the future. CLARITY - Leverage partners and resources, including brokers, enrollment firms, and internal stakeholders to effectively develop communications and educational opportunities that will help employees best utilize their benefit selections all year round.

9. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] 9 Questions? Visit BenefitTrends.MetLife.com

10. All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY 10166 L0915439451[exp1116][All States] 10 About The Study About the Study MetLife’s 13th Annual U.S. Employee Benefit Trends Study was conducted during November 2014 through January 2015, and consisted of three distinct studies fielded by ORC International, one of the world’s largest research companies. The employer survey comprised 2,595 interviews with benefits decision makers at companies with at least two employees. The employee survey comprised 2,463 interviews with full-time employees ages 21 and over, at companies with at least two employees. About ORC International ORC International is a leader in the art of business intelligence. Their teams are passionate about discovering what engages people around the world. By combining quality data, smart synthesis and best in class digital platforms, ORC delivers insight that powers the growth and drives the future of their clients’ businesses. To learn more about ORC International, their website, www.orcinternational.com.