2. The Benefit Management Company

3. Welcome New England Harley- Davidson Dealers Association

4. The Benefit Management Company The Reality You Face 3 - 4 Years Of Double Digit Increases -New England Market 1995 - 1998 average 5% increases 1999 - average 9% 2000 - 2003 average 15 % 2004 - beyond average 15% +

5. The Benefit Management Company... the average company pays 3% of revenue for health care benefits – up 50% in five years Health care as percent of revenue Source: Hewitt Health Value Initiative; United States Census; Bureau of Labor Statistics (2002 Productivity estimated based on first 3 Quarters)

6. The Benefit Management Company Healthcare increases are rapidly consuming the growth in household income —Annual increase in household income —Portion used to pay increases in healthcare premiums and out-of- pocket expenditures * 2002 estimate based on 2001 growth Source: U.S. Census Bureau, Kaiser Family Foundation, UHC Analysis 100% = $2957 100%= $2293 100% = $1073 100% = $1093

7. The Benefit Management Company New England Harley-Davidson Dealers Association No Viable Association Health Plan Initiatives –Limited Interest from Major Insurers Association, Chamber of Commerce, PEO Small Group Reform –No Manual Consideration of Rates Must Work Within What We Have –Maximize Cost Containment Strategies –Enter BENEMAX Value Added Services Increasingly Important –What do you get for your money ?

8. The Benefit Management Company Member Health Care Expenditure 8% 24% 69% 60% 26% 13% 0% 10% 20% 30% 40% 50% 60% 70% 80% HealthyTransitionalChronically Ill/High Risk % Members% of Dollars ($1-$999)($1,000-$4,999)($5,000-$100,000) $30 pmpm $176 pmpm $1,259 pmpm

9. The Benefit Management Company Consumer Driven Health Plans (CDHC) WRAP: Employer Picks Up 100% of Deductible Cost HRA: Health Reimbursement Arrangement HSA: Health Savings Account FSA: Flexible Spending Account

10. The Benefit Management Company N.E. Harley Dealer Services Online 2nd Opinions –From Partners Health Care specialists Teaching hospitals of Harvard Medical School Field Support –Full time resource to handle group education, Enrollment meetings, account service etc! Full Time Compliance Officer On Staff –Assistance with federal and state regulations for all Harley Dealer Companies

11. The Benefit Management Company N.E. Harley Dealer Services Independent Patient Advocate –Toll-free call center –Staffed by industry experienced professionals “Ask-a-Dentist” –Pose questions online to a panel of dentist Go2Dental –Median price of any dental service by zip code

12. The Benefit Management Company …And More Virtual Benefit Manager (www.virtualbenefitmanager.com) –Ask claims & benefits questions online –Customized web site (benefit summary) Employer Surveys –Conduct confidential surveys of employees –Measure employee satisfaction –Determine employee priorites

13. The Benefit Management Company …And Still More One Stop Enrollment –Additions,deletions –Family status changes Market Analysis –Continuous market rate analysis for all Harley Dealer Companies

14. The Benefit Management Company Reduced Cost for N.E. Harley Dealers FSA Administration –No set up cost –No documentation fees –No discrimination testing fee –No minimum participation requirements –No annual or minimum monthly fees –Flat $10.00 per FSA participant/month –Free (optional) Debit Card

15. The Benefit Management Company More Reduced Cost for N.E. Harley Dealers Cobra –Set up fee waived –Minimum monthly fee waived –Total Cobra administration and compliance for a flat $2.00 per employee/month which includes: Initial notification, Qualifying event letters, Premium collection and all service

16. The Benefit Management Company Additional Reduced Cost for N.E. Harley Dealers Administration –Medical Wrap Plans –Consumer Driven Health Plans (H.R.A.’s, H.S.A.’s) –Medical Reimbursement Plans –Direct Reimbursement Dental Plans (Benedent) (www.ada.org/dr)

17. The Benefit Management Company New England Harley-Davidson Dealer Association BENEMAX thanks you for your time Paul Cadieux and Nate Cooper www.benemax.com 1(800) 528-1530