1. Fringe Facts ® Online Benefits Enrollment and Communication Service Copyright © 2000-2001 BSI - All Rights Reserved.

2. If you’re like most employers, you are spending a lot of money on employee fringe benefits.

3. Do you know how much bang you’re getting for your benefits buck?

4. Do your employees understand and appreciate the high cost of the benefits you provide them?

5. Are you interested in automating your employee benefits enrollment and communications?

6. Would you like to reduce the costs of managing your benefits enrollment and communications?

7. Medical, life, dental and disability insurance Social security, workers’ compensation, and unemployment benefits 401(k) or other retirement benefits Profit sharing or bonus plans Vacation, sick pay, paid holidays, etc. Benefits you provide your employees may include:

8. Medical, life, dental and disability insurance Social security, workers’ compensation, and unemployment benefits 401(k) or other retirement benefits Profit sharing or bonus plans Vacation, sick pay, paid holidays, etc. Benefits you provide your employees may include:

9. The average U.S. employer spends 42 percent on top of payroll for employee fringe benefits. * * According to a recent U.S. Chamber of commerce study. Industry surveys show...

10. While employees receive thousands of dollars in statutory and fringe benefits annually, more than 80 percent have no idea what their benefits are or how much their employer is paying for those benefits. Industry surveys show...

11. A typical $30,000 a year employee has a fringe benefit package worth $12,600 or a total benefits + pay package worth $42,600. Industry surveys show...

12. Morale and productivity are often lower in organizations where employees do not understand or appreciate their benefits than they are in organizations where the employees know what their benefits are and how much they are worth. Industry surveys show...

13. When morale is low, employees are more likely to look elsewhere for employment. Industry surveys show...

14. When morale is low, employees are more likely to look elsewhere for employment. The cost to recruit, hire and train a new employee is between $15,000 and $30,000! Industry surveys show...

15. Many employers have found that the most effective way to improve morale and reduce turnover is to change the way employees think about their employee benefits package. Personalized Benefit Statements

16. That’s why most employers set up employee benefit communication systems to help employees see the total value of their “hidden paycheck.” Personalized Benefit Statements

17. One of the most effective ways to communicate the high cost of your benefits program is through Fringe Facts ® online benefit statements and enrollment. Personalized Benefit Statements

18. Unlike generic benefit summaries that only show the employee a summary of the benefits package, Fringe Facts statements show each employee all benefits that apply to the employee as well as the value of those benefits. Personalized Benefit Statements

19. Personalized employee fringe benefit statements are an excellent way to communicate the tremendous value of your total compensation package. Personalized employee benefit statements are unique. Employees see only those benefits that apply to them. Personalized Benefit Statements

20. Personalized employee fringe benefit statements are an excellent way to communicate the tremendous value of your total compensation package. Personalized employee benefit statements are unique. Employees see only those benefits that apply to them. Personalized Benefit Statements

21. Personalized benefit statements help employees understand and appreciate their benefits. Personalized Benefit Statements

22. Personalized benefit statements help employees understand and appreciate their benefits. This often leads to improved morale, lower turnover and increased productivity. And this translates into lower costs or greater profits for your organization! Personalized Benefit Statements

23. With technology advances in recent years, it is now possible for you to provide personalized employee fringe benefit statements and online enrollment to all of your employees via the Internet, no matter where they live or work. Personalized Benefit Statements

24. Online benefit statements and enrollment can lower your recruiting and training costs and improve the effectiveness of your Human Resource department. Personalized Benefit Statements

25. Fringe Facts ® Online You can do all of this and more with Fringe Facts ® Online

26. Fringe Facts Online shows your employees more than just a summary of your benefits package. Fringe Facts Online is personalized for each employee. Fringe Facts Online provides your employees with up-to-date information about their benefits.

27. Fringe Facts ® Online Fringe Facts Online shows your employees more than just a summary of your benefits package. Fringe Facts Online is personalized for each employee. Fringe Facts Online provides your employees with up-to-date information about their benefits.

28. Fringe Facts ® Online With Fringe Facts Online, employees may access their own personalized summary of benefits, enroll in their benefits, add dependents, change beneficiaries, notify HR of changes in their address, etc. All from home or at work any time they wish… 24 hours a day, 7 days a week!

29. Fringe Facts ® Online Let’s take a look at a sample online benefit statement for Jennifer Nelson at Riverton Industries...

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33. When Jennifer clicks on a benefit link in the summary of benefits section, she is taken to a brief summary of that benefit.

34. Fringe Facts ® Online When Jennifer clicks on a benefit link in the summary of benefits section, she is taken to a brief summary of that benefit. For example, Jennifer wants to learn more about her 401(k) plan so she clicks on the 401(k) Plan benefit link.

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36. Employees may use online calculators to help them see the impact on their after-tax take-home pay when they participate in plans requiring contributions such as 401(k) and cafeteria plans.

37. Fringe Facts ® Online Jennifer wants to see what her after-tax take-home pay will be if she increases her contributions to the 401(k) plan so she clicks on the 401(k) online calculator link...

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40. Online Summary Plan Descriptions (SPD) allow employees to quickly and easily find specific information they are looking for. Employees may view and print SPDs for any benefit plans. This can greatly reduce the printing and distribution costs for your SPDs and SARs.

41. Fringe Facts ® Online Online Summary Plan Descriptions (SPD) allow employees to quickly and easily find specific information they are looking for. Employees may view and print SPDs for any benefit plans. This can greatly reduce the printing and distribution costs for your SPDs and SARs.

42. Fringe Facts ® Online Jennifer has a question about eligibility to participate in the 401(k) plan. She sees that there is a detailed description of the plan where she may learn more about eligibility provisions.

43. Fringe Facts ® Online Jennifer has a question about eligibility to participate in the 401(k) plan. She sees that there is a detailed description of the plan where she may learn more about eligibility provisions. She clicks on the 401(k) SPD link and then, because all she is interested in is the definition of eligibility, she goes to the Table of Contents and clicks on the Eligibility link.

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45. Go ahead and click on the Eligibility link now.

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47. Jennifer sees an announcement on the Welcome page that she is eligible to sign up for the new Cafeteria Plan.

48. Fringe Facts ® Online Jennifer sees an announcement on the Welcome page that she is eligible to sign up for the new Cafeteria Plan. She clicks the Cafeteria Sign Up button and completes the online enrollment application.

50. Fringe Facts ® Online The data Jennifer enters on the enrollment form is stored in a secure database. You can access the data and merge it into the company HR or payroll system at any time.

51. Fringe Facts ® Online Jennifer can view or print a summary of her benefit elections. She can also request that a confirmation be sent to her by e-mail.

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53. Employees may enroll in all of their benefits plans online thus freeing up HR department personnel from having to handle this time-consuming work.

54. Fringe Facts ® Online Employees may enroll in all of their benefits plans online thus freeing up HR department personnel from having to handle this time-consuming work. Fringe Facts Online allows you to easily import employee data from your HR, Payroll or other systems.

55. Fringe Facts ® Online Employees may enroll in all of their benefits plans online thus freeing up HR department personnel from having to handle this time-consuming work. Fringe Facts Online allows you to easily import employee data from your HR, Payroll or other systems. You can easily export data back to these systems.

56. Fringe Facts ® Online Many employers have found that Online surveys can provide valuable insight for the organizations’ management team.

57. Fringe Facts ® Online Many employers have found that Online surveys can provide valuable insight for the organizations’ management team. A properly crafted survey can help you find out how your employees feel about your organization, working conditions, benefits and more.

58. Fringe Facts ® Online Most employees prefer online surveys because they can be kept confidential.

59. Fringe Facts ® Online Most employees prefer online surveys because they can be kept confidential. Jennifer has some concerns about the group insurance plan that she wants her employer to know.

60. Fringe Facts ® Online Most employees prefer online surveys because they can be kept confidential. Jennifer has some concerns about the group insurance plan that she wants her employer to know. She clicks on the Benefit Survey button and completes the online survey from the comfort of her home and without any of the distractions normally found at work.

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62. Employees can also find out about their vacation and other paid time off benefits by clicking on the links to these benefits.

63. Fringe Facts ® Online Employees can also find out about their vacation and other paid time off benefits by clicking on the links to these benefits. Charts help to illustrate the high percentage of benefits costs that you are paying out for paid time-off and other benefits each year.

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66. When updated frequently, Fringe Facts Online benefit statements more accurately reflect the current status of an employee's benefits.

67. Fringe Facts ® Online When updated frequently, Fringe Facts Online benefit statements more accurately reflect the current status of an employee's benefits. This allows an employee to see the impact of changes in compensation or benefits as they occur instead of waiting up to a year to see them.

68. Fringe Facts ® Online An online benefits Website will help reduce the number of calls to your HR department.

69. Fringe Facts ® Online An online benefits Website will help reduce the number of calls to your HR department. For example, Jennifer wants to notify the company that she has moved. She simply logs on to her benefits Website and updates her address and phone information.

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71. An online benefits Website will help reduce the number of calls to your HR department.

72. Fringe Facts ® Online An online benefits Website will help reduce the number of calls to your HR department. Employees can enroll in their benefits and their families can quickly and easily find the information they need any time of day or night - even on weekends!

73. Fringe Facts ® Online Jennifer needs to find a doctor that specializes in internal medicine for her daughter near their home in Houston, Texas.

74. Fringe Facts ® Online Jennifer needs to find a doctor that specializes in internal medicine for her daughter near their home in Houston, Texas. She goes online to her benefits Website and clicks on the Medical Providers button.

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79. Many employers provide employees with online newsletters to help keep employees aware of changes in benefits as well as other company news. An online company newsletter can also lower your printing and distribution costs.

81. Fringe Facts ® Online You may include an online directory of all employees, your management staff, or just the HR department. Directories may show the name, title, department, address, phone number, and e-mail address for each employee.

82. Fringe Facts ® Online Jennifer has a benefits related question and she needs to find someone in the HR department who can help her.

83. Fringe Facts ® Online Jennifer has a benefits related question and she needs to find someone in the HR department who can help her. Since Jennifer works at night, it is more convenient for her to send the request by e-mail so she clicks on the HR Directory button and quickly finds the right person to answer her question.

85. Fringe Facts ® Online You may also include safety training, employee manuals, job postings, announcements of special events, and more on your online employee benefit Website!

86. Fringe Facts ® Online You can even store all of your company forms online. Forms such as vacation and time-off requests, beneficiary change forms, election forms, etc.

87. Fringe Facts ® Online You can even store all of your company forms online. Forms such as vacation and time-off requests, beneficiary change forms, election forms, etc. How much time - and cost - will you be able to save by having all your forms online? Just think of it: No more printing, shipping or storing of forms.

88. Fringe Facts ® Online How does it work? First, you supply us with all the information and data necessary to design your custom benefit enrollment and statements for your organization. We’ll need copies of all your benefit plans, policy handbook, paid time off schedule, census and payroll information, billing statements, enrollment forms, etc.

89. Fringe Facts ® Online How does it work? Next, we will create a Website with enrollment forms and benefit statements along with a variety of management reports that you can view, print or download. These reports will show all employee data as well as a summary of the benefits and costs for each employee.

90. Fringe Facts ® Online How does it work? We’ll provide you with a personalized announcement letter you can send to each employee telling them about their private Fringe Facts Online benefits web page. The letter will tell them how to access their information.

91. Fringe Facts ® Online How does it work? Your employees can then log on to their secure Website using an ordinary Internet web browser from home or work whenever they wish.

92. Fringe Facts ® Online How does it work? You may update the employee data as often as you wish - every pay period, once a quarter, whenever you have an open- enrollment, or when there are important changes to your benefits or compensation program.

93. Fringe Facts ® Online How does it work? Employees may print any portion of their benefit statement or other information if they have a printer connected to their computer. If they do not have a printer, they may request a copy from your HR department.

94. Fringe Facts ® Online How does it work? We can also print paper benefit statements for all or a select group of your employees. This is useful if some of your employees do not have access to the Internet at home or at work.

95. Fringe Facts ® Online How does it work? Use Fringe Facts Online to show prospective employees what their benefits will be when they join your organization. This is a great recruiting tool!

96. Fringe Facts ® Online What does it cost? The cost depends on several factors such as the number of employees in your organization, how often you update the employee data, the number of printed paper benefit statements, and the number of online benefit enrollment and other HR forms placed on your Website.

97. Fringe Facts ® Online What does it cost? The cost to provide Fringe Facts Online benefits enrollment and benefit statements may actually be lower than the cost of printing and mailing paper enrollment and benefit statements to each employee. This is especially true when you have employees in multiple remote locations.

98. Fringe Facts ® Online If you would like more information about Fringe Facts Online, including a custom quote, we will be happy to prepare one for you. Visit our Website at: http://www.fringefacts.com For more information, call:http://www.fringefacts.com Benefit Software Inc. 1-800-533-1388 or send e-mail to: online@fringefacts.comonline@fringefacts.com