Questions?

1

Finalist Presentation

• Questions?

Presented By Jason Mull - Employee Benefits
Consultant Jeff Wittig Sr. Vice President of
Employee Benefits
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Agenda

• What Makes Us Unique
• Current Environment
• Opportunities - Top 4 Benefit Objectives
• Why Brown Brown
• Next Steps

Brown Brown Empire State
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What Makes Us Unique
National Strength Decentralization
Collective Wisdom Cost Containment Strategies
The Brown Brown Advantage !
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Current Environment

• The Arc of ABC County
• has been providing a variety of programs and
  services for over 3,500 individuals with
  intellectual and/or developmental disabilities
  and their families in the Rochester community for
  over 50 years.
• Founded in 1956
• 3500 individuals served
• 40 locations
• 839 employees

• Self Funded Short Term Disability UNUM
• Term Life Insurance - Aetna
• Long Term Disability - Aetna
• Supplemental Long Term Disability Aetna
• Whole Life Insurance - ING
• Personal, Cancer Accident Plans - AFLAC

• Medical MVP Fully Insured (30/50)
• Dental 2 plans with Guardian (2 year contract)
• HRA / FSA / COBRA administered by Relph

Brown Brown Empire State
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Transactional vs. Strategic
Value-Added Shift in Resource Focus to Increase
Financial Rewards
STRATEGIC INITIATIVES Effective Renewal
Negotiations, Financial Claims Analysis,
Alternative Funding Arrangements, Wellness,
Medical Management, Onsite Clinics, PPACA
HIGH
STRATEGIC INITIATIVES
REWARD
Cost-Shifting Initiatives (No Brainers) Plan
design changes, ER/EE contribution changes
Cost-Shifting Initiatives (No Brainers) Plan
design changes, ER/EE contribution changes
MED
Partnership
(Transactional) Replaceable
(Transactional) Replaceable FSA / COBRA / HRA /
5500 Filing
LOW
Today
Future
Brown Brown Empire State
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Transactional vs. Strategic
Brown Brown Empire State
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Opportunities
Top 4 Benefit Objectives
Affordability / Cost Containment Recruiting
Retaining Wellness Program Improvements Compliance
Improved Communication
Brown Brown Empire State
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Cost Containment
Cumulative Increases in Health Insurance
Premiums, Workers Contributions to Premiums,
Inflation, and Workers Earnings 1999 2010
Source Kaiser/HRET Survey of Employer-Sponsored
Health Benefits, 1999-2010. Bureau of Labor
Statistics, Consumer Price Index, U.S. City
Average of Annual Inflation (April to April),
1999-2010 Bureau of Labor Statistics, Seasonally
Adjusted Data from the Current Employment
Statistics Survey, 1999-2010 (April to April).
Brown Brown Empire State
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Cost Containment
Assumptive Cumulative Increases in Health
Insurance Premiums, Workers Contributions to
Premiums, Inflation, and Workers Earnings 2011
2022
Source Kaiser/HRET Survey of Employer-Sponsored
Health Benefits, 1999-2010. Bureau of Labor
Statistics, Consumer Price Index, U.S. City
Average of Annual Inflation (April to April),
1999-2010 Bureau of Labor Statistics, Seasonally
Adjusted Data from the Current Employment
Statistics Survey, 1999-2010 (April to April).
Brown Brown Empire State
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Cost Containment Strategies

• Data Analysis Action
• Alternative Financial Arrangements
• Medical Management Wellness
• Plan Type
• Employer / Employee Contribution Strategy
• Effective Renewal Negotiations
• Plan Design

SampleTimeline 2012 Renewal.pdf
Effective Renewal Negotiation Data.pdf
New Result Report.ABC Companies.w.o notes
pages.pdf
Cost Containment Strategies.pdf
Brown Brown Empire State
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Recruiting Retaining

• Benchmarking Annual review of local and
  national data for non-profits. Making you aware
  on where you stand against your peers.
• Cost Containment (Biggest natural recruiting and
  retention tool)
• - Through effective renewal negotiations,
  medical management and wellness increased costs
  will level off. This will lead to less plan
  design changes that decrease benefits, and
  minimize the need to shift premium costs onto the
  employees.
• - Controlling costs will give you the ability to
  enrich current benefits, add new benefits and
  increase employee wages.

Brown Brown Empire State
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Wellness Program Improvements

• Partnership with IHS or CHC
• Aggregate Reporting
• Individual Reporting
• Personal Health Coaching
• Venipuncture vs. Finger Stick
  Wellness\Venipuncture vs Finger Stick.ppt
• Incentive Strategies to Drive Participation
• Education and Promotion of Program conducted by
  wellness partner
• Enhance current wellness programs (smoking
  cessation, fitness, etc)

I\Brown Brown Prospects\Precise Tool
Manufacturing\New Result Report.ABC Companies.w.o
notes pages.pdf
I\Brown Brown Prospects\Precise Tool
Manufacturing\IHS Employee Sample.FINAL.pdf
ARC of Monroe\Sample compliance funding model.pdf
Brown Brown Empire State
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Wellness Program Improvements

• Engagement From The Medical Insurance Company
• Each carrier has Wellness Strategists (they are
  limited)
• We would ensure that the Wellness Strategists are
  engaged with the Arc of Monroe
• Coordination between medical carrier, wellness
  partner and the Arc of Monroes Wellness
  Coordinator. Ensuring each parties wellness
  initiatives are cohesively working as one

Brown Brown Empire State
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Your Employee Benefits Team
Compliance Improved Employee Communication
Education
Brown Brown Empire State
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Compliance Improved Employee Communication
Education

• Account Management team will assist with day to
  day transactional activities and issues including
  claims and billing resolution with the carriers,
  COBRA and Health Care Reform questions for both
  the HR staff and the employees.
• Dedicated Billing Specialist for the Arc of
  Monroe
• Annual review of Stewardship Report
• The BB team would continue to educate the
  employees and enhance their understanding of
  their benefits (medical, dental, STD, LTD, Life,
  FSA and HRA) of any changes and address any
  individual questions.
• Additional HR Resource - we send to you all
  Federal and State benefit and HR law changes as
  soon as we receive them. NY Wage Theft Prevention
  Act.pdf
• Examples Health Care Reform Compliance / FMLA /
  Federal NYS COBRA Changes / Dependent Care
  Changes / Medicare Part D Requirements / Labor
  Law Updates, Transition of Retiree Benefits. W-2
  Reporting.pdf

Brown Brown Empire State
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Health Care Reform Guidance

• Clients will be updated and educated through our
  retained legal council Miller Johnson.
  Healthcare Reform newsletters are distributed
  routinely as well as webinar sessions to educate
  and update on Healthcare reform initiatives.
• A customized outline of Healthcare reform
  implications are provided to large group clients.
  I\Brown Brown Prospects\Precise Tool
  Manufacturing\Health Care Reform Summary.pdf
• Health Care Reform webinars can be conducted for
  the employees at the employers request.

Brown Brown Empire State
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Continue Great Service with Current Programs
Today
Future
COBRA 5500 Filing SPDs (ERISA)
HRA /FSA Wellness Management (Health Risk Assessment / Biometric Screens / Health Coaching) EBS RMSCO / Benefit Resources / SSA (IHS or CHC) (MVP/Excellus/UHC)

The Brown Brown Advantage !
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3-5 Year Strategy
Today
3-5 Year Plan
Community Rated Fully Insured Wellness Implementation (Stage 1) Evaluation of Experience Rated Fully Insured Quarterly Claims Review Wellness Implementation (Stage 2)
Evaluation of Contingent Premium Level Funding Arrangement (Experience Rated) Fully Insured Quarterly Claims Review Evaluation of Onsite Clinics (Marathon Health) Engagement of Case and Disease Management Evaluation of Fully Insured vs. Self Insured Quarterly Claims Review Implementation of Onsite Clinics (Marathon Health) Engagement of Case and Disease Management

2011
2012
2013
2014
The Brown Brown Advantage !
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Why Brown Brown

• Wouldnt You Want
• Largest and strongest broker negotiating your
  renewal on your behalf
• Focused on cost containment strategies instead of
  cost shifting to employees
• An experienced team with over 225 local employees
  with access to national resources
• Broker with 98.5 client retention

We possess the resources and expertise to provide
you with the best opportunity to close this gap
so you can continue strong growth as an
organization

Brown Brown Empire State
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Full Service Broker

• Benefits Consulting
• Marketing
• Benchmarking
• Compliance (Wrap Doc)
• Wellness Initiatives
• Strategic Planning
• Account Management
• Claims Analysis
• Employee Communication

• Preferred Carriers
• Consulting
• Code Rule 60 Approval
• Claims Management
• Risk Management
• Marketing
• Multiple Payment Options

Workers Comp
Employee Benefits
Improve Cash Flow
Enhance Services
Ease of Administration
HR Technology
Financial Services
Central Point of Contact

• Benefit Statements
• On Line Enrollment
• Invoicing Billing
• Performance Management
• Virtual Recruiting

Strategic Partners
Pricing Discounts

• Individual Disability
• Individual Life
• Key Person Insurance
• Estate Planning
• Financial Planning
• Succession Planning
• Long Term Care
• Investments

Business Consulting
HR Consulting via HR Works
Property Casualty

• HR Hot Line / Handbooks
• HR Consultation
• FML Administration
• EEO / Affirmative Action Plans
• FSA Administration

• Income Tax Deductions and Benefits
• Business Consulting
• Bank Financing Assistance
• Cash Flow Projections
• Financial Statement Preparation
• Training Grants
• Bookkeeping CFO Outsourcing

• Risk Management
• Exposure Analysis
• Consultation
• Claims Management
• Compliance
• Marketing
• Bonds

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Thank You

• Next Steps/Questions?

Earning Your Business Every Day !