Client Services

Employee Benefits Brokerage Services

March 2009

Prepared for

Prospects

Presented by:Jon P. Carroll

Van Meter Insurance

Executive Summary

Van Meter Insurance combines years of experience with leading-edge products to provide exceptional service and

value to our customers. We provide a full range of brokerage services including employee benefits, property and

casualty, and financial and retirement.

Headquartered in Kentucky, we think globally but act locally, with personal services designed specifically for each

individual client. VMI shares information and resources with national networks of brokers to ensure we can meet your

every need, and find answers to your questions quickly and efficiently.

Our Value Proposition

Our goal is to achieve a long-term relationship focused on bringing value to your employee benefits management

and insurance programs. We are committed to utilizing our collective talent to support your insurance goals.

We promise to identify activities that drive claim frequency, and implement an action plan to control health care

costs. We will identify training needs and provide on-site assistance to actively address your health care costs and

promote a healthy work environment for your employees.

Carrier Analysis/Situation Analysis

You face many employee benefit challenges, including internal resources, time management, employee education,

compliance with federal and state legislation, trend increases, pharmacy costs, and increased litigation activity. This

challenging environment dictates a change in the way you purchase and manage your insurance programs. In order

to compete in your marketplace you must adopt a total cost of employee benefits management philosophy based on

data-driven decisions and globally positioned communications. We specialize in evaluating, negotiating with, and

recommending insurers and providers to our clients, and we employ rigorous selection criteria and performance

objectives when considering a vendor.

Plan Implementation

Securing the best insurance package for your business begins with planning. Analyzing all your risks is critical to

successful implementation of your employer group benefits. Van Meter Insurance will partner with you by providing

ongoing assistance, consultation, and service that will help you control your insurance expenses and promote health

care consumerism.

Data Analysis

Data analysis allows you to manage and reduce your claims activity. By analyzing your losses with a sophisticated

data analysis tool, we can help you develop cost containment strategies and employee communication campaigns

that will target areas with the highest potential to reduce high-dollar claims and high utilization.

Communications

Understanding the increased complexity of employee benefits is a challenge. Staying abreast of the issues you face

and developing strategies to meet the constant demands of business can give you a competitive edge. VMI’s

communication programs will help you stay on top of the changes affecting the employer group insurance industry

and consumer-driven employee programs.

Employee Benefits Services

Our range of value-added services includes delivering you custom solutions for all of your health care management

needs, including benefit plan analysis, contribution strategies, health & wellness education and training, claims

analysis, and developing employee policies and consumer-driven programs.

Wellness Campaign

VMI is committed to keeping you and your employees informed. We can build and customize a wellness campaign

specific to your employees’ needs. Through our online services, we can deliver you payroll stuffers, posters, ready-to-

use employee newsletters, and educational brochures on health & wellness designed to help you drive consumerism

in your workplace.

Controlling your Pharmacy Costs

Did you know drug benefit costs are rising 15 – 20% per year, and account for 10 – 15% of total health care

expenditures? Repair your pharmacy benefits program with ZywaveRx™, from VMI. With ZywaveRx, we provide you

access to exclusive, extremely favorable terms for your pharmacy benefit plan that include discounts guarantees and

annual claims validation audits, along with expert resources and full savings analysis.

Education & Training

We provide exceptional service through our education and training opportunities. Our employee seminars are

designed to help educate employees, create health-conscious employees and reduce high claim utilization and high-

dollar claim expenses. They also provide an atmosphere for team building. Together, we can determine the topics

that best suit your needs. We also will provide you with educational articles and newsletters to keep you informed of

hot benefits and HR-related topics.

Legislative Briefs and Plan Design Concepts

Do you find it difficult to keep up with legislation affecting insurance, your industry, and your business? Do you need

help recognizing and assessing all the trends that may have an impact on your business? VMI’s Legislative Brief and

Plan Design concepts help you understand the latest issues affecting employee benefits insurance, and help you to

address those issues.

Employee Handbooks

We are committed to helping you offer collateral on all levels to your employees, including a complete employee

handbook. Our dedicated staff of professionals can help you develop and implement the employee policies to

promote a healthy culture for your entire workforce and maintain a positive work environment by offering solutions

for your organization’s human resource challenges.

Benefit Statements

Benefit statements are a successful and cost-effective tool that can assist you in delivering the value of your

employer-sponsored benefits to your employees. Your employees will have a greater appreciation and understanding

of their benefits, which can lead to improved recruiting efforts and higher employee retention.

Claims Analysis

Trying to control your claims experience can leave you feeling powerless. We can help. Our tools and resources help

you respond to, track, and manage losses as they occur. We can also analyze your aggregate loss history to determine

where significant losses are occurring, and develop strategies to mitigate them.

Employee Benefits Services

We extend many of our value-added services to you electronically through a Client Portal, your personal VMI Web

site. Here is just a sampling of the information that we can deliver to you via the site’s Collaboration Center:

Know Your Employee BenefitsHealth Care Costs Series 2nd Edition: Is

Your Drug Plan Hard to Swallow?HR Tools

Employee Benefits Survey

Live Well, Work Well Healthy Portion Sizes

Plan DesignsHealth Savings Accounts

Legislative BriefsEEOC Moves to Protect Retiree Benefits

Wellness ServicesThink About What You Drink

Handbook & PoliciesEmployee Handbook with Linked

Table of ContentsEmployer Education Articles & Newsletters

Benefits BulletinPrevention Newsletter

Obesity

Employee Benefits Services

Technology Solutions

At VMI, we continually look for innovative benefits management resources and value-added services to ensure your

customer satisfaction. We use state-of-the-art technology to deliver these products and services to you.

Client Portal

MyWavePortal® - We offer our clients access to a client portal which is a Web tool that allows you to receive

information from our agency online, participate in Employee Benefit surveys to find out how you compare to others

from around the country, and easily connect with a nationwide network of peers in your industry.

MyWaveHR® - How do you currently support your health & wellness initiatives? Whether you’re looking for ready-to-

print flyers that feature targeted health & wellness issues to employees, or searching for Medicare Part D information,

MyWaveHR combines information and collaboration tools, including two-way document posting, to help streamline

your everyday work tasks. You can quickly source insurance-related news, information, and resources 24/7.

MyWave®Benefits – How do you access your employer group benefits at a glance? MyWaveBenefits is your one-stop

information center that allows you to view your agency’s benefit plan information online.

MyWave Elements [INSERT ELEMENTS INFORMATION IF APPLICABLE]

HRconnection®

Our HRconnection tool offers you access the most powerful HR communication system available, featuring more

ways for you to educate and empower your employees than any other site of its kind.

It is an easy-to-use employee Web site that serves as a custom company information and employee benefits expert.

For employees, it provides 24-hour access to company and benefits information from any computer with Internet

access. For employers and human resources personnel, HRconnection increases productivity and cost savings by

providing employee self-service and improving employee communication efforts.

Decision Master® Warehouse

Decision Master Warehouse (DMW) enables us to eliminate potential problems, find the underlying causes, and

determine effective solutions. Decision Master Warehouse’s Health Plan Management Report offers over 70 easy-to-

use and understand management exhibits to detect problems with your medical utilization or plan cost by comparing

your costs to national norms of similar employers. DMW’s powerful querying module, Drill-Down, analyzes the critical

components of your data in multiple ways. Drill-Down can answer nearly any question you may have regarding your

claims experience. These results will help you formulate focused strategies for reducing utilization and costs. DMW’s

Alternative Modeling allows us to experiment with plan design alternatives, and most importantly, determine how plan

changes can lead to savings.

PlanAdvisor™

Imagine taking the guesswork out of the benefits renewal process. Our PlanAdvisor tool allows us to analyze your

benefits plan costs against reliable benchmark information, project the impact of medical plan design changes,

estimate your renewal costs, and streamline the plan selection process for your employees.

MyWavePortal® Click+Connect+Communicate

Welcome to a whole new way of working — MyWave®

is your personalized Web site that allows you to

effortlessly click, connect, and communicate with Van

Meter Insurance.

It’s designed to offer you time-saving tools and

resources that build convenience into managing your

everyday work tasks. Whether you want to view

documents online, participate in plan/program

surveys, or connect with over 200,000 peers in your

industry, this is the place to be. It’s easily accessible,

hardworking, and just one of the many value-added

services available to you when you partner with us.

"The Community section allows us to easily find out what other companies are doing in a variety of situations. I can get answers quickly from other colleagues in the industry; the Community has become my personal sounding board."

Trevor, MyWavePortal User, Northeast

Collaboration Center • Our document posting capabilities

allow a seamless exchange of information sharing from our agency to you.

• Accessible 24/7, postings from our agency are timely, relevant, and easy to locate in one convenient place online.

Survey Benchmarking• Participate in benefit plan and/or

P&C program surveys

• Allows you to determine how your plans and programs compare to other employers across the U.S.

Community• Through MyWave® Community,

you have access to a vast and knowledgeable network of colleagues from across the country.

• Share information and resources via the Community’s interactive forum that allows you to post questions to your peers, provide insight into other users’ questions, and allows you to track responses based on topics or individual questions.

• Community postings are organized by topic so you can source information quickly and easily.

“MyWaveHR is an extremely valuable resource for us. We particularly appreciate the forms available in the Legislative Guides and the newsletters found in HealthShop.”

Julie, MyWaveHR Client User, Midwest

MyWaveHR®: Your Electronic Human Resource Assistant

MyWaveHR is the helping hand you need for all your Human Resource needs. Whether you are looking for Legislative information, employee communications, industry-related Web sites, or consumer-related healthcare information, MyWaveHR has it readily available for you in one easy, convenient location.

ComplianceLooking for quick answers to tough legislative questions? MyWaveHR’s Compliance has the answers you’re searching for. You will be directly linked to an exclusive set of comprehensive guides full of federal legislation. Complete guides include COBRA, HIPAA, HIPAA Privacy, Section 125, and FMLA. Within each guide, sections include Related Articles, Q&A, Forms, and Quick Reference. A search function is also available to help you easily source information by allowing you to browse all or only particular sections within each guide.

Documents on CommandWhen you need to resource information fast, the Documents on Command section of MyWaveHR provides instant access to a library of downloadable articles covering a variety of topics — exactly when you need them! Articles are conveniently grouped by general category and include: Benchmark Surveys & Statistics, Compliance & Plan Designs, and Employee Communication & Education — to help you easily locate all the resources available to you. Or, use its keyword search function to find related documents.

ResourcesMyWaveHR’s Resources provides useful links and articles to industry-related Web sites —all through the convenience of your MyWaveHR® homepage. In addition, use the helpful search function so you can promptly find all the information you are looking for, as well as any related documents from the Documents on Command section. And if you still cannot find exactly what you need, use the convenient, “contact your broker representative” help link. So many helpful resources — all at your fingertips.

HealthShopWant consumer health-related articles in professional looking newsletters to give to your employees in a snap? No problem! MyWaveHR supplies you with HealthShop — comprehensive, consumer information, in ready-to-print newsletters. Topics include:

At the Doctor’s Office, At the Pharmacy, Home Care, and Your Health. Use these newsletters to help your employees make smart and informed healthcare

decisions.

"We currently create plan summaries using Excel for each of our clients.  MyWaveBenefits will now make this available to them online and free up some time for us."

Kaye, MyWaveBenefits User, West Coast

MyWaveBenefits is your one-stop information center that allows you to view your company’s benefit plan information online. And to help simplify things even more, we’ve stored all this valuable plan information in one easily-accessible location—making it just a mouse click away.

Benefit Plan Information

Want to be able to see the different plan types that your agency chose for the year? MyWaveBenefits can easily provide you with this wealth of information. Once you select a plan type, the current related policies will automatically appear, allowing you to view each plan’s basic information. If you select a specific plan type such as dental, you will be able to see that plan broken down by plan type, year, and name, as well as policy number, and issuing carrier. You can drill-down and see even more detailed information by selecting the Benefits tab – displaying your agency’s current plan design.Another great benefit is that the system holds plans that are currently in place, in addition to prior plans, allowing you to compare plan information from year to year.

Rate Information

Would it be helpful to know specific information about the benefits elected by your agency such as monthly fees? And how great would it be to know rate structure information? With MyWave®Benefits, this beneficial information is just another valuable component you’ll have access to, with the ease of a click of the mouse.By clicking on the Rates tab within the plan type you selected, you’ll be provided with a detailed summary of the policy’s rate information including such valuable information as rate structure, employee count, and rate amounts.

MyWave®Benefits: Your Benefit Plan Information Center

Sample MyWave® HomepageBrought to you by Van Meter Insurance

MyWaveHR®

MyWaveHR is the helping hand for all your Human Resource needs.

Benchmark SurveysAllows you to determine how your plans and programs compare to other employers across the U.S.

MyWave® CommunityShare information and resources via the Community’s interactive forum that allows you to post questions to your peers, provide insight into other users’ questions, and to track responses based on topics or individual questions.

Collaboration CenterTwo-way document posting capabilities allow a seamless exchange of information sharing and collaboration. Users can download and share documents, make updates, and track a document’s history – simplifying updates to reports, worksheets, questionnaires, and policies.

How does your current broker

COMPARE?What Van Meter Insurance Provides: Current

Broker?

Insurance Market Access We provide access to virtually all insurance and administration markets.

Strategic Planning

We will develop a customized strategic plan for you that defines objectives and outlines the actions needed to fulfill those objectives. Our strategic planning services ensure an organized, complete approach to fulfilling your benefits needs.

Five-Star Service

We pride ourselves on the level of knowledge and service we bring to our clients. All of our clients are assigned a team of specialists dedicated to serving their needs. Each client accesses our team through a single point of contact, making working with us seamless and easy.

Experience We are dedicated and committed to excellence in our service to the business community.

Technology We use leading-edge technology to provide our customers with the latest data analysis, legislative, communication, and human resources administration tools.

Actuarial Services

When needed, we employ the services of professional actuaries to assist with calculations critical to your employee benefits plans.

Data Analysis

Using employee claim data from your carrier or TPA, our Internet-based Decision Master® Warehouse system analyzes your data and shows how and where to adjust your plan design to save money. We can even model recommended changes to show you the potential savings.

Legislative Briefs

Our exclusive Legislative Brief publication summarizes recent federal legislative developments in insurance and employee benefits including COBRA, HIPAA, HIPAA Privacy, FMLA, and Section 125.

Client Portal All of our clients receive access to a personalized Client Portal. The site is devoted to helping you with plan administration, legislative compliance, employee communication, and more!

Custom Communication

Through MyWaveHR®, we can assist you with all phases of employee communication, from employee meetings to payroll stuffers and informative brochures about employee benefits and wellness.

Human Resources Tools

HRconnection® is available to you exclusively from VMI. This Web-based tool is a complete employee communication system that helps you improve communication, increase productivity, streamline processes, and save money for your human resources department.

Pharmacy Benefits Services

Through arrangements with two leading pharmacy benefits managers, we have access to national pharmacy networks, significant discounts, pharmacy benefits modeling tools, and more.

Voluntary Benefits

We have a experienced and highly knowledgeable staff who can help you with this growing and important area of employee benefits.

Community

When partnering with VMI, you gain access to professionals from all over the country through the Community section on the Client Portal. An answer to a problem you have is just an e-mail away. As an example, one client writes, “We just recently implemented a premium only cafeteria plan. Can anyone tell me how this will report on the W-2s?” This question was answered quickly, saving them time and resources.

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