HUB International: Employee HUB International: Employee Benefits CapabilitiesBenefits Capabilities

Salt Lake City, Utah

About HUB International Limited

HUB International Limited is a leading advisor and broker for Employee Benefits planning and consulting. From assessing healthcare cost options to implementing full scale benefits programs, a HUB consultant can assist you in making the right choices to meet your specific needs. Our disciplined approach, depth of experience, and corporate values are effective tools that get you competitive pricing from insurance companies and other service providers. Hub also provides a broad array of property, casualty, and risk management products and services.

Locally, we are a group of dedicated insurance professionals who provide timely, accurate information and excellent customer service. Our goal is to be an extension of your human resource and benefit staff.

The HUB Mission Statement

Representing the Buyer is the business of HUB International.

We provide insurance, financial services and risk management solutions for our clients. We serve their best interests through our dynamic people, products and services.

About HUB International

• One of the Top Ten insurance brokers in North America

• Licensed in every state and province in North America

• Comprised of 16 corporate hubs, more than 3,700 employees and 181 offices

• Each office individually managed

About HUB International of Utah Limited

• The Salt Lake City firm’s history extends over 100 years.

• Staffed by ten insurance professionals, of which five are employee benefit specialists and five are property & casualty specialists.

• Employee Benefit specialists include licensed consultants and brokers with the following professional designations: Certified Employee Benefit Specialists (CEBS), Group Benefit Associates (GBA), and Registered Health Underwriters (RHU).

• Benefit expertise is diversified among a wide array of clients, including several institutions of higher education and other public entities, multi-national and multi-state private organizations. We work with groups from 2 employees to 10,000+ employees.

HUB International - Employee Benefits Division Scope of Services

Services Provided:• Strategic Planning

• Plan Design and Analysis

• Competitive Marketing – we have excellent relationships with a long list of insurance vendors

• Renewal Negotiations and Analysis

• Employee Communications

• Alternate Funding Arrangements Including Fully Insured, Self-Insured (Including Placement of Stop-Loss) and Retrospective Premium

• HRA / HSA – Consumer Driven Plan Analysis

HUB International - Employee Benefits Division Scope of Services - continued

Services Provided:• Financial & Claims Analysis and Negotiation (large group)

• Conduct Enrollment/Educational Meetings for Employees

• Review of Plan Documents and Summary Plan Descriptions (wrap-documents), or any other insurance contract.

• Assist with Implementation of Administrative Procedures.

• All Clients receive access to a personalized Web site called MyWave.

• Resolution of Administrative and Claim Issues

• Provider Network Analysis

HUB International - Employee Benefits Division Scope of Services - continued

• Marketplace Trend Analysis

• Legislative Compliance (COBRA, Section 125, FMLA, ADA, Medicare Part D, ERISA, HIPAA, etc.) Hub has an in-house Labor Attorney and we also contract with a local Benefits attorney for compliance questions.

• Form 5500 Completion Assistance

• Benefit Administration Outsourcing for items such as COBRA, Section 125, etc.

• Wellness Initiatives and Communications

• Human Resources Tools through a Web-based Program.

• Special Projects, as requested

HUB International - Employee Benefits Division Marketing Services

• Medical• Dental• Prescription• Vision• Basic Life & AD&D• Supplemental Life• Short Term Disability• Long Term Disability• Long Term Care• Voluntary AD&D• Travel Accident

• HRA and/or HSA Administration• Section 125 Plan Administration• Cobra Administration• FMLA and other Leave

Administration• Wellness Programs• Retirement Programs• Executive Compensation• Legal Plans• Worksite Voluntary Plans• EAP

Here is a brief listing of benefit products we can market for our clients:

HUB Team Concept

• HUB uses an account management team system to ensure clients have timely response and access to all resources of the company.

• A senior staff member from the Salt Lake office is assigned to serve as the team leader and is responsible for gathering resources locally, nationally or internationally to meet the needs of your organization and the employee benefit programs.

• We serve at the direction of our clients and use our consulting process to guide us, in a cooperative effort with your internal staff, through each project.

HUB Team Concept – All team members are accessible to the

client at any time.

Kathie Renzhofer, GBA, RHU

VP, Account Executive

Delbert L. Mulvey, CEBS, RHU

VP, Consultant

Roseanna Lund,Senior Account

Manager

Plus: Property/Casualty Specialists; Wellness Resources;

Form 5500 Assistance; and a Web-based, Personalized Benefit,

Communications and HR Tool.

In addition to the above, we have the resources of all other Hub International offices for any specialized assistance we may need in other parts of the country.

Jenny ChesterAccount Manager,

IT Specialist

Katie MulveyAssistant Account

Manager

Hub has access to a local attorney and an in-house

labor attorney for compliance and legislative questions

CLIENT

Team Leader Biography

Delbert L. Mulvey, CEBS, RHU

Vice President, Consultant

Delbert Mulvey has more than 26 years of consulting/brokering experience in the insurance industry. He graduated from the University of Utah with a BA in Finance and specialized in risk management and finance. He has completed the professional designation of Certified Employee Benefit Specialist through the Wharton School of Business and has taught CEBS course in conjunction with the University of Utah. For the past several years, Delbert has served as a consultant to several Utah-based national and international companies. He is also the consultant for several large public employer programs, including cities, counties and institutions of higher education.

Delbert has extensive experience in the review, analysis, development, implementation and administration of employee health and welfare programs, both fully insured and self-funded. He is an expert in plan design issues, complex funding analysis, utilization experience and pricing methodologies.

Delbert Mulvey is a strong “backroom” resource to Kimball Art Center as he and Kathie Renzhofer work closely as a team for the benefit of all clients.

Team Biography

Jenny Chester

Account Manager

Jenny has been with HUB International since 1999. Jenny is an integral part of the Employee Benefit Department’s team methodology. She manages several small and large accounts, while providing support for the entire benefits department. Her daily interaction with clients include regulatory legislative compliance of Section 125, COBRA, FMLA, ADA, QMSCO, HIPAA, etc. Other daily interactions include plan design issues, claims questions and administrative issues.

Jenny prides herself in staying abreast of the current market trends and compliance issues and prepares various communication pieces to keep clients informed of the many industry changes and developments. Jenny’s secondary focus in in information technology. She provides local office technical support as well as support of the various electronic/web-based products that are offered to HUB clients.

Jenny earned her Bachelor’s Degree in Information Technology and is actively working on the Certified Employee Benefit Specialist (CEBS) designation. She holds an Agent’s license for life and disability in the State of Utah.

Team Biography

Katie Mulvey

Assistance Account Manager

Katie has been working with the HUB International team since 2004 and holds an Accident, Health, and Life Insurance license in Utah. She assists the account managers in areas such as research and analysis of products, regulatory and legislative compliance, and data reports. Katie is also a member of the National Association of Health Underwriters.

Katie is currently attending the University of Utah, pursuing a Bachelor of Science degree in Accounting. She is also actively pursuing the Certified Employee Benefits Specialist designation from the International Foundation of Employee Benefit Plans.

Phase I : Strategic Planning

• Careful strategic planning includes evaluation of your benefit plan’s characteristics.

• The intent for strategic planning is to look beyond the immediate situation and needs of the benefit program and develop long-term goals and objectives for each program.

• For example, what is the main reason your company offers a benefit package to your employees? What are the most important benefits? Does the employer have to contribute or could you offer some on a voluntary basis? Strategic planning will help you determine a general “roadmap” for your benefit plans.

Phase I: Strategic Planning – Sample Timeline

• Marketing – Leveraging

• Request for Proposal (RFP)

• RFP Analysis

• Vendor Interview

• Vendor Selection

Phase II: HUB Marketing

• Planning

• Employee Communications & Education

• Enrollment Meetings

• Follow-Up

Phase III: HUB Implementation

HUB Plan Management Resources: Examples of Administration & Legislative Compliance Issues, among many…

HIPAA Portability requirements Nondiscrimination rules

HIPAA Privacy

Administrative requirements Summaries of regulatory guidance

FMLA Guidance on administration Sample forms

COBRA Guidance on administration and outsourcing Sample forms

Section 125

Summaries of IRS Guidance Sample forms

ERISA - Guidance on compliance - 5500 and SAR Reporting, plan document language, etc.

HUB Plan Management Resources: Attorney

Pam Mullahy – Attorney at LawHub International Benefits/Labor Attorney

New York

Sibyl Bogardus – Attorney at LawSalt Lake City

– HUB International of Utah has contracted with Mrs. Bogardus to assist us with escalated and/or complicated legislative and compliance issues. We also have many excellent internal resources from which we can glean compliance and legislative information, such as the EBIA Employee Benefit Manuals .

HUB Plan Management Resources: MyWave

All HUB clients may receive access to a personalized website, free of charge, called MyWave which is devoted to helping with plan administration, legal issues and to share resources and information with other professionals.

MyWave facilitates efficient and easy communication between HUB

and our clients as well as provides a vast array of information about

employee benefits issues, HR issues, and complex legislative issues – right at your fingertips.

HUB Plan Management Resources: MyWaveHR/Legislative Guides

MyWaveHR also provides access to an exclusive set of comprehensive guides full of federal legislation. Complete guides include COBRA, HIPAA, HIPAA Privacy, Section 125, and FMLA. Within each guide, sections include Legislative Briefs, Q&A, Forms, and Quick Reference.

HUB Plan Management Resources MyWaveHR / Documents on Demand

HUB Plan Management Resources: Custom Communications Benefit Statement

HUB International has created Benefit Statements items that you can use to showcase your capabilities to your clients and prospects, as well as assist them in completing their own benefit statements.

HUB Plan Management Resources: Custom Communications

HUB International even provides an annual National Health Observances Calendar to help you plan your employee communications efforts year-round.

Our national strength combined with our local knowledge, experience and expertise give us an unparalleled ability to meet your needs and react in a timely, accurate manner to your concerns.

On a local level, you have “go-to” contacts for everything you need. Our model does not include a sales team that “moves out” once the sale is made. Our top team stays on the account from day one. Our office retains business because we’ve developed strong, long-term relationships with our clients. Our motto is to pro-actively engage you regarding your employee benefit plans and compliance issues. We hope that our relationship is strong enough that you’ll notify us immediately if we are not meeting any of your needs.