1. Finalist Presentation
Questions?
Presented By:
Jason Mull - Employee Benefits Consultant
Jeff Wittig – Sr. Vice President of Employee Benefits

2. Brown & Brown Empire State
Agenda
What Makes Us Unique
Current Environment
Opportunities - Top 4 Benefit Objectives
Why Brown & Brown
Next Steps
Brown & Brown Empire State

3. Cost Containment Strategies The Brown & Brown Advantage !
What Makes Us Unique
National Strength
Decentralization
Collective Wisdom
Cost Containment Strategies
The Brown & Brown Advantage !

4. Brown & Brown Empire State
Current Environment
The Arc of ABC County
“has been providing a variety of programs and services for over 3,500 individuals with intellectual and/or developmental disabilities and their families in the Rochester community for over 50 years.”
Founded in 1956
3500 individuals served
40 locations
839 employees
Self Funded Short Term Disability – UNUM
Term Life Insurance - Aetna
Long Term Disability - Aetna
Supplemental Long Term Disability – Aetna
Whole Life Insurance - ING
Personal, Cancer & Accident Plans - AFLAC
Medical – MVP Fully Insured ($30/$50)
Dental – 2 plans with Guardian (2 year contract)
HRA / FSA / COBRA – administered by Relph
Brown & Brown Empire State

5. Transactional vs. Strategic
Value-Added Shift in Resource Focus to Increase Financial Rewards
STRATEGIC INITIATIVES
Effective Renewal Negotiations, Financial Claims Analysis, Alternative Funding Arrangements, Wellness, Medical Management, Onsite Clinics, PPACA
HIGH
STRATEGIC
INITIATIVES
REWARD
Cost-Shifting Initiatives
(No Brainers)
Plan design changes,
ER/EE contribution changes
Cost-Shifting Initiatives
(No Brainers)
Plan design changes,
ER/EE contribution changes
MED
Partnership
(Transactional)
Replaceable
(Transactional)
Replaceable
FSA / COBRA / HRA / 5500 Filing
LOW
Today
Future
Brown & Brown Empire State

6. Transactional vs. Strategic
Brown & Brown Empire State

7. Brown & Brown Empire State
Opportunities
Top 4 Benefit Objectives
Affordability / Cost Containment
Recruiting & Retaining
Wellness Program Improvements
Compliance & Improved Communication
Brown & Brown Empire State

8. Cost Containment Cumulative Increases in Health Insurance Premiums,
Workers’ Contributions to Premiums, Inflation, and Workers’ Earnings
1999 – 2010
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), ; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, (April to April).
Brown & Brown Empire State

9. Cost Containment
Assumptive Cumulative Increases in Health Insurance Premiums,
Workers’ Contributions to Premiums, Inflation, and Workers’ Earnings
2011 – 2022
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), ; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, (April to April).
Brown & Brown Empire State

10. Brown & Brown Empire State
Cost Containment Strategies
Data Analysis & Action
Alternative Financial Arrangements
Medical Management & Wellness
Plan Type
Employer / Employee Contribution Strategy
Effective Renewal Negotiations
Plan Design
SampleTimeline 2012 Renewal.pdf
Effective Renewal Negotiation Data.pdf
New Result Report.ABC Companies.w.o notes pages.pdf
Cost Containment Strategies.pdf
Brown & Brown Empire State

11. Brown & Brown Empire State
Recruiting & Retaining
Benchmarking – Annual review of local and national data for non-profits. Making you aware on where you stand against your peers.
Cost Containment (Biggest natural recruiting and retention tool)
- Through effective renewal negotiations, medical management and wellness increased costs will level off. This will lead to less plan design changes that decrease benefits, and minimize the need to shift premium costs onto the employees.
- Controlling costs will give you the ability to enrich current benefits, add new benefits and increase employee wages.
Brown & Brown Empire State

12. Brown & Brown Empire State
Wellness Program Improvements
Partnership with IHS or CHC
Aggregate Reporting
Individual Reporting
Personal Health Coaching
Venipuncture vs. Finger Stick Wellness\Venipuncture vs Finger Stick.ppt
Incentive Strategies to Drive Participation
Education and Promotion of Program – conducted by wellness partner
Enhance current wellness programs (smoking cessation, fitness, etc)
I:\Brown & Brown Prospects\Precise Tool & Manufacturing\New Result Report.ABC Companies.w.o notes pages.pdf
I:\Brown & Brown Prospects\Precise Tool & Manufacturing\IHS Employee Sample.FINAL.pdf
ARC of Monroe\Sample compliance funding model.pdf
Brown & Brown Empire State

13. Brown & Brown Empire State
Wellness Program Improvements
Engagement From The Medical Insurance Company
Each carrier has Wellness Strategists (they are limited)
We would ensure that the Wellness Strategists are engaged with the Arc of Monroe
Coordination between medical carrier, wellness partner and the Arc of Monroe’s Wellness Coordinator. Ensuring each parties wellness initiatives are cohesively working as one
Brown & Brown Empire State

14. Your Employee Benefits Team
Compliance & Improved Employee Communication & Education
Your Employee Benefits Team
Brown & Brown Empire State

15. Brown & Brown Empire State
Compliance & Improved Employee Communication & Education
Account Management team will assist with day to day transactional activities and issues including claims and billing resolution with the carriers, COBRA and Health Care Reform questions for both the HR staff and the employees.
Dedicated Billing Specialist for the Arc of Monroe
Annual review of Stewardship Report
The B&B team would continue to educate the employees and enhance their understanding of their benefits (medical, dental, STD, LTD, Life, FSA and HRA) of any changes and address any individual questions.
Additional HR Resource - we send to you all Federal and State benefit and HR law changes as soon as we receive them. NY Wage Theft Prevention Act.pdf
Examples: Health Care Reform Compliance / FMLA / Federal & NYS COBRA Changes / Dependent Care Changes / Medicare Part D Requirements / Labor Law Updates, Transition of Retiree Benefits. W-2 Reporting.pdf
Brown & Brown Empire State

16. Brown & Brown Empire State
Health Care Reform Guidance
Clients will be updated and educated through our retained legal council Miller & Johnson. Healthcare Reform newsletters are distributed routinely as well as webinar sessions to educate and update on Healthcare reform initiatives.
A customized outline of Healthcare reform implications are provided to large group clients. I:\Brown & Brown Prospects\Precise Tool & Manufacturing\Health Care Reform Summary.pdf
Health Care Reform webinars can be conducted for the employees at the employers request.
Brown & Brown Empire State

17. Continue Great Service with Current Programs
Today
Future
COBRA
5500 Filing
SPD’s (ERISA)
HRA /FSA
Wellness Management
(Health Risk Assessment / Biometric Screens / Health Coaching)
EBS RMSCO / Benefit Resources / SSA
(IHS or CHC) & (MVP/Excellus/UHC)
The Brown & Brown Advantage !

18. 3-5 Year Strategy Today 3-5 Year Plan 2011 2012 2013 2014
Community Rated
Fully Insured
Wellness Implementation (Stage 1)
Evaluation of Experience Rated
Quarterly Claims Review
Wellness Implementation (Stage 2)
Evaluation of Contingent Premium & Level Funding Arrangement (Experience Rated)
Evaluation of Onsite Clinics (Marathon Health)
Engagement of Case and Disease Management
Evaluation of Fully Insured vs. Self Insured
Implementation of Onsite Clinics (Marathon Health)
2011
2012
2013
2014
The Brown & Brown Advantage !

19. Brown & Brown Empire State
Why Brown & Brown
Wouldn’t You Want
Largest and strongest broker negotiating your renewal on your behalf
Focused on cost containment strategies instead of cost shifting to employees
An experienced team with over 225 local employees with access to national resources
Broker with 98.5% client retention
We possess the resources and expertise to
provide you with the best opportunity to
close this gap so you can continue strong
growth as an organization
Brown & Brown Empire State

20. Ease of Administration Central Point of Contact
Full Service Broker
Benefits Consulting
Marketing
Benchmarking
Compliance (Wrap Doc)
Wellness Initiatives
Strategic Planning
Account Management
Claims Analysis
Employee Communication
Preferred Carriers
Consulting
Code Rule 60 Approval
Claims Management
Risk Management
Marketing
Multiple Payment Options
Workers
Comp
Employee
Benefits
Improve Cash Flow
Ease of Administration
Enhance
Services HR
Technology
Financial
Services
Central Point of Contact
Benefit Statements
On Line Enrollment
Invoicing & Billing
Performance Management
Virtual Recruiting
Strategic Partners
Pricing Discounts
Individual Disability
Individual Life
Key Person Insurance
Estate Planning
Financial Planning
Succession Planning
Long Term Care
Investments
HR Consulting
via
HR Works
Business
Consulting
Property
&
Casualty
HR Hot Line / Handbooks
HR Consultation
FML Administration
EEO / Affirmative Action Plans
FSA Administration
Income Tax Deductions and Benefits
Business Consulting
Bank Financing Assistance
Cash Flow Projections
Financial Statement Preparation
Training Grants
Bookkeeping & CFO Outsourcing
Risk Management
Exposure Analysis
Consultation
Claims Management
Compliance
Marketing
Bonds

21. Earning Your Business Every Day !
Thank You
Next Steps/Questions?
Earning Your Business Every Day !