Helping Our Broker Partners…Protect, Grow and Diff erentiate

Their Business

Meet AlphaStaff – The Company

• Over a decade of growth & success supporting our clients

• One of the nation’s largest PEOs • Serve broad range of client companies (10-5000

employees)• Experienced Senior Leadership team• Privately-held by Accretive - innovators in outsourcing

& healthcare

LEADERSHIP & INNOVATION

• Broker- friendly -- long-term commitment to broker distribution model

• First in industry to introduce a solution for large employers

QUALITY

• A- Rated Carriers• SAS 70 Type II certification• ESAC Accredited (like the FDIC and SIPC)• Six Sigma Methodology• HR Account Managers- 100% certified

CAPABILITY

• Unique Delivery Model• Industry Leading Partnerships• Trusted Provider to #1 and #2

Banks in the U.S.

Why Partner with AlphaStaff ?

Reality Check

Source: National Association of Insurance & Financial Advisors; EEOC

BrokerCommissions

• Health insurance costs & administration: A growing burden on employers and employees

• 100,000 employment related claims filed in 2010 vs. 93,000 in 2009

• 20% of agents plan to stop selling health insurance in the future

Client Costs&

Compliance Risks

More time & effort will be required to maintain

your clients’ compliance, reduce their risks, AND manage impacts on your commissions

We Are Your Partner, Not Your Competitor

Differentiate, grow and protect your business. Create a healthy new revenue stream through AlphaStaff's attractive Broker Commission Program. Protect yourself and your clients with our Broker of Record (BOR) policy. Stand out from your competition by having a more robust portfolio of offerings and services. Watch your business grow as you utilize AlphaStaff broker tools and support systems. Rest easy knowing you have an industry-leading business partner and an experienced team of sales professionals dedicated to your success.

Our Broker PromiseWE ARE THE BROKER’S PEO We are proud to be known as the Broker’s PEO and as such, we have established a number of principles that guide our philosophy:

ALPHASTAFF WILL NOT COMPETE WITH ITS CONTRACTED AGENTS.

ALL ALPHASTAFF COMMISSIONS ARE 100% VESTED. ALL ALPHASTAFF COMMISSION RATES ARE GUARANTEED FOR THE LIFE OF THE ALPHASTAFF CLIENT.*

ALPHASTAFF WILL NOT DISCLOSE AGENCY COMMISSION RATES TO ALPHASTAFF CLIENTS.

STRONG BROKER OF RECORD (BOR) POLICYCompetition between the contracted insurance agents is governed by AlphaStaff’s Broker of Record (BOR) policy.

ONCE ALPHASTAFF HAS RECOGNIZED A REFERRAL AGENT FOR COMMISSION PURPOSES WITH AN ACCOUNT IT WILL NOT CHANGE THE “REFERRAL AGENT” DESIGNATION TO ANOTHER AGENT.

ALPHASTAFF DOES NOT ACCEPT BOR LETTERS FROM COMPETING AGENTS ON ACCOUNTS WHERE IT HAS DESIGNATED THE REFERRAL AGENT.

THE ORIGINAL REFERRAL AGENT ON THE ACCOUNT WILL CONTINUE TO RECEIVE COMMISSIONS FOR AS LONG AS THE ACCOUNT REMAINS WITH ALPHASTAFF.*

*Subject to the terms and conditions as set forth in AlphaStaff’s Master Referral Agent Agreement.

Engaging Prospects

Engaging ProspectsThe AlphaStaff / Broker Partnership

Broker Partners

Our Clients AlphaStaff

Experienced, knowledgeable Sales team• Industry Licensed• AlphaStaff trained and certified

• A consultative approach to the client• Broker friendly – NO TRESPASS• Solutions-focused• Single source provider- dedicated team

AlphaStaff Client Engagement Process

Target and Schedule

Engage Prospects

Create Proposal Close Deal Implement Renew/

Referrals

The AlphaStaff Team and Brokers Working Together to…

Client Profi leAssessing Their People Needs - First

10

State of the Business/Workforc

eGrowth Strategy

Workforce Recruitment

Workforce Retention

Risk Management/Workforce

Maintenance

Workforce Separation

EEOC Issues?

Currently outsourcing

payroll?

Downsizing or growing quickly?

High turnover?

Existing Onboarding

process?

Full/part timeHR administration?

Workers’ CompClaim issues?

Closing the DealMeeting Your Clients’ Needs

Payroll and Tax Service Time and Attendance Pay Cards Employee Self Service Reporting and Analytics

Human Resources Legal & HR Compliance Support Tactical & Strategic Expertise Claim & Investigation Support Unemployment Claims

Administration

Risk Management Loss Control Employer Protection Liability Ins. Training

Benefits & Benefits Administration

Health Insurance Carrier Integration Open Enrollment COBRA & Section 125

Administration 401K Retirement Plan

Comprehensive people solutions, consolidation of vendors, domain expertise, scalable

Insurance& Benefits

Payroll Taxes HumanResources

Supervision Mediation/At Risk

Workers Comp

Life /Supp Life

Medical / Dental

Disability

Voluntary

Rate Negotiation

Carrier Negotiation

Premium Calculation

Reconciliation

Inquiries / Claims

COBRA / FSA

Report Hours

Compute Pay

Compute W/H

Compute Deductions

Compute FIA

Write Checks

Reconcile Accounts

Track:

• Vacation

• Sick / Personal Days

• Mgmt. Reporting

• Employee Verification

FICA

Federal W/H

State W/H

Payments

• 940

• 941

W2’s

Penalties

• Incorrect Payments

• Late Payments

Orientation

Handbooks

Annual Enrollment

Performance Mgmt.

Job Descriptions

Compensation Mgmt

Benefit Analysis

Compliance

• Federal Laws

• State Laws

Policies Mgmt

Best Practices

I-9’s

Pay Increases

Hire & Fire

Disciplinary

Probationary

Manual Reporting

• PTO

• Overtime

• Job Costing

• Employment Data

• Employee Records

Employee Training

Mgmt Training

W4’s

SUTA Claims

Employee Issues

EEOC Issues

Risk / Loss Issues

OSHA

EPLI:

• Harassment

• Discrimination

• Lawsuits

Attorney Fees

Meeting Your Clients’ Needs

Client To-do List BEFORE AlphaStaff

Meeting Your Clients’ Needs

My broker and AlphaStaff helped me: Take work off my desk Reduce/minimize cost Manage employees Stay compliant Balance coverage with risk

Client To-do List AFTER AlphaStaff

Insurance& Benefits

Payroll Taxes HumanResources

Supervision Mediation/At Risk

Report Hours I-9’s Pay Increases

Hire & Fire

What you can expect from AlphaStaff

We Bring Great Companies Together

A rated carriers, world class service, technology & strategic partners - providing customized solutions

Service, Responsiveness & Technology

Interactive tools

Product & Go-to Market strategies

Technology platforms

New Online Open Enrollment Benefits Site

Updated Client Site(InfoSource)

NEW!

New Advanced Reporting Tools

(Same capabilities as ADP report writer)

New corporate website

New Competitive Health Plans and Rates For Our Worksite Employees

2011 Aetna Renewal

Two components:

1. Existing Business Renewal – Renewing September 1, 2011• New benefits master plan and new rates• Re-tiering -- more appropriately spread risks

2. New Business Medical Rates – Effective July 1, 2011• 14 month rates• New underwriting process• New plans

Aetna Reengaged, Rebuilt RelationshipAttractive new business and renewal rates

Aetna Medical Renewal Increases

RenewalsIn line with market Overall increase - all plans:

• HMO: 2%• Traditional:7.2%

New Business PlansCompetitive -- In-line with market• Average Decrease from 7-30% vs. current rates for similar plans

(varies by plan)

Supplemental Renewals (Vision, Dental, Life & Disability)

In- line with market• Dental – ~4% avg. increase• Vision – :7-11% avg. increase• Life and Disability – 12-28% decreases (STD, LTD)

AlphaStaff and MGA

AlphaStaff’s Managing General Agency (MGA) was established to:

•use our client base and broker network to offer multiple lines of insurance products and services

•provide a complete portfolio to our worksite employers and employees.

The MGA Objective

We enhance attractiveness to our broker network and increase their profitability.

Roles and Responsibilities

1. Manage all the Licensing and Contracting, known as

the “Legal Entity” ..

2. Assist in the Product Selection, Benefit Design and

Underwriting Guidelines specific to Benefits; known

as the “Product Matter Experts”.

3. Supervise all commission pass down to our referring

broker network specific to benefits.

4. Collaborate with the broker network.

HERE TO HELP YOU WIN

Contact: