“Rising To The Occasion”

CEO Wellness SymposiumSugarbush Resort – Warren, VT

November 1, 2012

well·ness noun 1. the quality or state of being healthy in body and mind, especially as the result of deliberate effort. 2. an approach to healthcare that emphasizes preventing illness and prolonging life, as opposed to emphasizing treating diseases

sym·po·si·um[sim-poh-zee-uhm] noun 1. a meeting or conference for the discussion of some subject, especially a meeting at which several speakers talk on or discuss a topic before an audience.

chief·executive·officer [CEO] verb 1. creating an environment for employees to thrive 2. leading by example

Analytics Emotions

Comprehensive Compensation Review1. 2011 W2 Earnings $72,200

a. Value of Your Annual Allowance For 15 Personal Days = $3,750 Included in Compensationb. Value of SymQuest Group 8 Holidays During the Year = $2,000 Included in Compensation

2. SymQuest Group Subsidy For Your Health Insurance Premium & Deductible $9,116

3. SymQuest Group Contribution to Your Social Security Trust Fund $4,476

4. SymQuest Group Contribution to Your State Unemployment Fund $384

5. SymQuest Group Contribution to Your Federal Unemployment Fund $420

6. Value of SymQuest Group Contribution to Your 401k Retirement Plan* $2,888

7. Premium SymQuest Pays For Your Disability Insurance Coverage** $137

8. Premium SymQuest Pays For Your Life Insurance Coverage*** $60 9. Value of SymQuest Group Contribution to Your Worker's Compensation $79

Total Value of Your Annual Compensation & Benefits From SymQuest Group $89,761

10.2%

2004 2005 2006 2007 2008 2009 2010 2011 2012 $-

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

$14,000

Wages Healthcare

Healthcare Expense As A % of Payroll

7.0% 6.5% 8.1% 7.5% 6.5% 6.9% 6.4% 6.7% 7.1%

(Thousands)

2004 2005 2006 2007 2008 2009 2010 2011 2012 $-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

$900,000

Premium HRA Incentive

CIGNAMVP MVP

Healthcare Expense Trends

BC/BS BC/BS BC/BS BC/BSCIGNAMVP

6% 27% 3% 4% 7% -4% 12% 9%

Primary Influencers For Controlling Healthcare Expenses

Competitive Insurance Provider Marketplace

Innovative Health Insurance Plan Design

Employee Wellness Education

Plan Design & Employee Behavior

Follow the Money Calculating Best Choices

Deductibles Promote Consumerism In Control of Expenditures

Premiums Paid = HRA Allowance Appreciation of SymQuest Support

SymQuest Pays 1st 2/3 of Deductible Proactive with Check-Ups & Screenings

Wellness ProgramsHealth & Dental Insurances

Skin Screenings [27] – Rich Callahan, PACholesterol Screening [32] – Dr. Phil Ades

Flu Shots [40] – VNA, FAHC, Mollen

Vtrim [12] – Stuart Offer

Biometric Screenings [58] – FAHC, Mollen

Stress & Time Management Seminars [22]Transformation One – Morella Devost

401k Planning Class [19] – Hickok & Boardman

VNA Walk-a-thon with Pedometers [12]

Financial Literacy Class [19] – Merchants Bank

Nutrition Challenge [41]Body Resolution – James Henley

Wii Bowling/Dancing [30]

30 Laps in 30 Days [8] - FunQuest

SymOlympics [14] - Prizes

Physical Activity Challenge [26]- Prizes

Monthly Newsletter [180]- SymPulse

“Rising To The Occasion”

The Best Is Yet To Be.