1. What is a PEO and how can they help my business? THE PEO EMPEROR SOLUTION ! THE PEO EMPEROR SOLUTION !

2. Presentation Agenda 1. We were looking for Workers’ Comp Insurance, how can a PEO help with that? 2. What is a PEO? 3. How can a PEO affect my business? 4. The Quote and Rates Page

3. You came to your Agent to assist you because there were challenges in finding you affordable Workers’ Comp! PROBLEM SOLVED! They have got you covered with a PEO! Workers’ Comp Insurance Provided under the Master Policy of the PEO Work Comp Policies: No Deposit, Pay As You Go, No Audit Up to 30% premium reductions and safety incentive program Expert Advice & Support with Risk Management, Safety and Compliance to help you improve you Work Comp Mod Work Comp Claims Processing and Fraud Investigation Your Workers Comp claims stats are still reported to the the NCCI separately, so if you ever decide to leave the PEO you get to take your improved experience rating with

4. What is a PEO? A Professional Employer Organization, a PEO, is a firm that services 100’s of client companies. By grouping these clients together a hugh pool of employess is formed and a platform with great buying power!

5. What is a PEO? PEOs solve problems in 4 Major Areas: Payroll + Workers’s Comp/Risk Management + Human Resources + Employee Benefits

6. What are the Business Advantages of Using a PEO? Solve your Workers Comp issues Maximize your Employee Productivity Save you time in dealing with transactional Human Resources Activities Reduce Employment related Liability And Ultimately Increase your profitability and reduce your labor costs!

7. What does the PEO Admin Fee Cover? Not only Payroll ! * PAYROLL AND PAYROLL ADMINISTRATION, TAX FILINGS, W-2s, etc. * UNEMPLOYMENT CLAIMS ADMINISTRATION, INCLUDING ATTENDING HEARINGS AND FIGHTING CLAIMS * HUMAN RESOURCES ADMINISTRATION INCLUDING CONSULTING, SUPPORT, AND COMPLIANCE WITH OSHA, COBRA, HIPPA, ADA, I-9, IRS, FMLA, IRCA, ERISA, FLSA, SEXUAL HARRASSMENT, JUST TO NAME A FEW * EMPLOYMENT LAW EXPERTISE AND COMPLIANCE * TRAINING ON EMPLOYMENT BEST PRACTICES * BENEFITS ADMINISTRATION (the PEO will never try to sell your client products or benefits that you already sell to them)!!!! * WORKERS COMP ADMINISTRATION * RISK & SAFETY MANAGEMENT AND ADMINISTRATION * CLAIMS ADMINISTRATION INCLUDING, CLAIMS INVESTIGATIONS, AUDITS ELIMINATED, WCOMP HEARINGS * EMPLOYMENT TESTING (pre-hire, drug, background screenings, personality, etc.- some may require additional small fee but still less than what the client would pay in the open market) * AND MUCH MORE

8. You’re already incurring these costs! * T o administer these aformentioned business functions. Whether you do them inhouse, or if you outsource some of them to a Payroll Service, Employment Attorneys, HR Consultants, Safety Consulting Firms, etc. To stay in compliance you ARE incurring these costs now somewhere! The PEO can take many of these costs and perform them for less than if costs you now! ** The US Chamber of Commerce and US Dept of Labor have done studies saying that for a company to do all of these administrative functions "in-house“ usually will cost a company from 5% to 12% over their Gross Payroll dollars. (Administration Costs). Even the loudest opponents of this study will still admit that these costs are still at least 2% to 5% even in the most well run companies. *** This PEOs Admin Fee to do all of these things for SJ Services is only charging an Admin Fee of 4.00% to do all of these business functions. Less than what it costs to do "in-house"! Plus savings on the Work comp! Also NO DEPOSITS OR AUDITS on the Work Comp!

9. Your Responsibilities without a PEO (The Small Business Administration and the U.S. Chamber of Commerce estimate that the average small business spends 5% - 12% over gross payroll for HR administration, payroll processing and worker's comp)

10. Your Responsibilities with a PEO! (The Small Business Administration and the U.S. Chamber of Commerce estimate that the average small business spends 5% - 12% over grroll for HR administration, payroll processing and worker's comp)

11. What is a PEO How can a PEO save us money on insurances? PEOs are based on the concept of Economies of Scale through Co-employment Economies of Scale through Co-employment

12. 2 What is a PEO? Your company remains the (work-site employer or common law employer) in charge of: Running their business Managing their employees Work Schedules Which benefits are offered to employees Major policy design You are still 100% the BOSS.

13. 2 What is a PEO IS NOT!? A full-service PEO DOES NOT: DOES NOT tell you how to run your business DOES NOT fire or discipline your employees. They work for YOU ! DOES NOT tell you how much to pay your employees DOES NOT interfere with your day to day operations! DOES NOT own any portion of your business. DOES NOT force you to use their Benefit Plans.

14. Is PEO right for your company? Ask yourself these questions… Am I getting the most out of my administrative expenses? Could my business save time and money on these costs? Am I spending too much time overseeing these functions? Are Federal and State regulations becoming so complicated and costly that I may be subject to fines that I cannot afford? Have unemployment and workers' compensation costs risen due to lack of knowledge and time to administer these programs? Are employee Major Medical benefits becoming unaffordable because my company is small? We can tailor a program for their needs.

15. Contact Info: Nick Minetos- PEO Program Mgr. Phone: (505) 610-6885 Direct Fax: (505) 212-0366 Email: nminetos@hotmail.comnminetos@hotmail.com Website: www.PEOemperor.com PEO EMPEROR