1. Attract | Reward | Prosper Traditional Plan (Fully Insured/Retention) = MOST COSTLY way to fund your health, drugs & dental benefits = LEAST COSTLY way to fund your health, drugs & dental benefits Administrative Services Only (ASO ) Funding of your Program Paid Health, Drugs and Dental Claims Paid Health, Drugs and Dental Claims Paid Health, Drugs and Dental Claims 130% Aggregate Protection + $10,000/certificate (family) of large claims pooling (i.e. Stop Loss) + 10-13% Admin. Fees Paid Health, Drugs and Dental Claims Paid Health, Drugs and Dental Claims Paid Health, Drugs and Dental Claims + $10k per individual of large claim pooling + 20-25% Admin. Fee + Trend Factors of 15- 22 EHC/Drugs, & 9 -13% Dental + 10-12% Reserve Factor (e.g. 100 plan member group)

2. Attract | Reward | Prosper How Does HealthProtectorPlus protect your company from individual/family catastrophic claimers? The Insurer Pays claims above $10,000 per year per family $10,000 Stop Loss Limit Applied The Employer Pays claims under the $10,000 Stop Loss Limit per year per family Stop Loss Contract – Layer #1 Per Certificate Catastrophic Protection

3. Attract | Reward | Prosper Stop Loss Contract – Layer #2 Group Catastrophic Protection The Insurer covers catastrophic amounts over 130% of last years trended claims Employer covers up to a max. limit of 130% of last years trended claims How Does HealthProtectorPlus protect your company from group catastrophic claimers?

4. Attract | Reward | Prosper Transaction & Administration Costs How you Administer Your Program Through an Insurance Carrier. Contract directly with the claims payor and each insurer separately. Through a Third Party Administrator (consolidation of multiple providers into one seamless program). Which is the BEST way to administer your Benefits Program? …

5. Attract | Reward | Prosper Insurer 1 Life Insurer 2 AD&D Insurer 3 Disability Insurer 4 EHC/Dental Wellness Third Party Administration (TPA) Insurance Administration for Employers Online Enrollment Employer HealthSource enrolls with various partners/insurers