Solution Providers

www.actrisk.com

Actuarial Risk Management (“ARM”) is your alternative solution to the larger, more expensive, national actuarial consulting firms. ARM’s business model stems from strategic partnerships with other smaller consulting firms, where many of the staff previously held positions with the large national firms. The Network has a core team of over 40 qualified and skilled consulting actuaries with over 700 years of combined experience.

Our approach provides access to highly qualified actuaries without any of the high overhead cost found in the larger firms. We strive to save our clients 15% off the national firms’ costs while promoting additional benefits including more expert face time during the assignment. ARM, as the only actuarial service provider in the BDO Seidman accounting firm family, covers the Insurance, Health Care, and Employee Benefits (H&W and Pension) and just recently expanded into Banking.

Specific to the Employee Benefit arena, over the years ARM’s team assisted all types of organizations minimizing the costs associated with employee / retiree benefits. In those assignments, the objective is the understanding of current program strategies and cost containment tactics and the client’s goal towards integrated benefit design, programs, and communications before constructing a unique solution for the client.

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small group, short-term and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wisconsin, with operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country. The Assurant Health Web site is www.assuranthealth.com.

Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and selected international markets. Its four key businesses – Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property – have partnered with clients who are leaders in their industries and have built leadership positions in a number of specialty insurance market segments worldwide. Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $25 billion in assets and $8 billion in annual revenue. Assurant has more than 14,000 employees worldwide and is headquartered in New York's financial district. The Assurant Web site is www.assurant.com.

www.assuranthealth.com

Benesyst (www.benesyst.net) brings innovative technologies and high performance to benefit administrative services for a growing clientele of some of America’s most demanding employers. Benesyst is the creator of BeneSmart™, a state-of-the-art, online enrollment and eligibility management solution that revolutionizes the way systems "think" about and manage benefits. Benesyst’s "best of breed" services also include Spending Account Administration (FSA, HRA, Retiree Health Accounts, Bridge to Medicare, etc.) and Continuation Services Administration (COBRA/State Continuation and Retiree Administration, HIPAA, FMLA and LOA). Benesyst provides advanced solutions within a highly caring culture to ensure that outsourced benefit functions achieve genuine, measurable success. Our clients include employers that range in size from 500 employees to numerous Fortune 500 employers. We proudly serve many of 2009's Fortune’s “100 Best Companies to Work For” including: Genentech, T-Mobile, Orrick Herrington and Sutcliffe to name a few. Since 1996 our client loyalty/renewal rate has been 97+%.

www.benesyst.net

Buck Consultants, an ACS company, is a global HR consulting firm that helps organizations develop, deploy, and manage their human capital. We combine our legacy in HR consulting, technology, and administration with the global IT infrastructure and BPO expertise of ACS to provide end-to-end solutions that help our clients solve complex HR and business challenges, such as building an innovative workforce, improving the performance of HR, managing the cost of human capital, and complying with regulatory and legislative mandates. We offer solutions in communication, compensation, global HR technology and administration, health and productivity, human capital management, and retirement.

Buck maintains thought leadership in HR and benefits consulting and administration, including some notable “firsts”: pioneering work in pension plan funding, the first Global Employee Stock Ownership Plan (GESOP), the first fully integrated Health Savings Account (HSA), the first-of-its-kind Severance Solution®, and the first global wellness survey.

www.buckconsultants.com

Diamond H Recognition is focused on delivering total recognition solutions to support HR professionals in inspiring and engaging their workforce. Guided by our experienced thought leaders, a category-leading suite of platforms called InspirusTM Technology was developed. This collection of platforms is designed to deliver powerful reinforcement, recognition, and reward (R3) solutions. Our research and experience has shown that successful recognition programs employ this three prong approach to inspire and engage their workforce. Organizations need reinforcement of individual effort on a daily basis, recognition based on behaviors consistent with business objectives, and a best in class mix of rewards to create a high-performance culture. With thought leadership, market leading InspirusTM Technology, and a passion to serve our customers, Diamond H Recognition can help you design and deliver SMAR3T Recognition solutions that get results.

www.diamondh.com

E*TRADE Corporate Services leads the industry as the most respected provider of comprehensive stock plan administration, financial reporting services, streamlined compliance solutions and award-winning participant services. With over 25 years’ experience, we have a proven track record helping companies stay ahead of changing regulatory requirements and increasing demands from auditors. That’s why over 2,000 companies- including 25% of the S&P 500- rely on us to manage plans for more than one million plan participants in 160 countries worldwide.

Our top-ranked Equity Edge software is the only platform that provides support for all equity vehicles- including performance shares. We provide your executives with premium, one-to-one executive services and your participants with access to extensive tools to optimize their plan benefits and achieve financial goals. Our best-in-class consulting and client support teams deliver unparalleled solutions for all your administrative, fiduciary and regulatory needs.

www.business.etrade.com

Fulcrum Partners, LLC is an independent, senior Executive Benefits consultancy that helps corporations enhance their Compensation Strategy by leveraging Fulcrum Partners’ intellectual capital and experience. Fulcrum works to accomplish this objective by utilizing best-in-class strategic alliances to fulfill the specific needs of our clients.

Fulcrum seeks to balance the interest of Boards, Executive Leadership, Shareholders and all other Stakeholders to ensure that a Corporation’s Total Reward Strategy is delivered creatively, effectively and with cost efficiencies. To create this balance, Fulcrum Partners takes a unique, cross disciplinary, coordinating position between the various aspects of compensation and benefit strategy, which includes:

• Compensation Consulting
• Executive Benefit Consulting
• Benefit Financing Consulting
• Executive Wealth Management
• Investment Advisory

In today’s marketplace, Compensation Strategy which includes cash, short term incentive, long term incentive, and equity plans are often not balanced, coordinated or integrated with benefits strategy. Fulcrum Partners helps to significantly enhance Compensation Strategy by designing benefits that extend balance, tax efficiency, retention and performance incentives, and long term wealth creation. The result is a more refined, more attractive, and more efficient Total Reward suite, with no interruption of the compensation consulting relationship

http://www.fulcrumpartnersllc.com/about.php

Green Total Compensation - An award-winning talent management solution provider featuring compensation as the focal point of its talent management suite. HR Executive Magazine’s pick for 2007 Top HR Product of the Year, Green is the first and only company to offer a natively integrated solution for total compensation administration. Easily plan and administer merit, variable pay and performance-based stock with transaction-based sales compensation and executive compensation from a single, secure, and scalable enterprise application. ERP level integration with Best-of-Breed depth of functionality offers the best of both worlds. Surpass Pay-for-Performance. Step up to Predictive Behavior and Predictive Pay.

www.greentotalcomp.com

Kaiser Permanente is America's leading integrated health plan. Founded in 1945, the program is headquartered in Oakland, Calif. Kaiser Permanente serves 8.7 million members in nine states and the District of Columbia. Today it encompasses Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals and their subsidiaries, and the Permanente Medical Groups. Nationwide, Kaiser Permanente includes approximately 159,000 technical, administrative and clerical employees and caregivers, and 14,000 physicians representing all specialties. The organization’s Labor Management Partnership is the largest health care partnership in the United States. It governs how more than 130,000 workers, managers, physicians and dentists work together to make Kaiser Permanente the best place to receive care, and the best place to work.

www.kaiserpermanente.org/

Mosse & Mosse Associates, a wholly owned subsidiary of National Financial Partners (NYSE: NFP), provides innovative and cost effective employee benefit plan solutions to its over 200 National and International customers. The firm, founded in 1987, provides consulting and brokerage services primarily in the areas of Health and Welfare Benefits and Retirement Plan Services.

www.mosseandmosse.com

Grow your people. Grow your business. Grow your bottom line. Talent moves where it’s appreciated. But appreciation does more than keep people happy. It reveals hidden talents and inspires people to grow. O.C. Tanner is uniquely qualified to help you engage employees in the growth of your business, align what you appreciate with corporate goals and values, and determine your greatest potential for growth. We start by understanding the possibilities—and then create a solution for you to appreciate people who do great work. Because celebrating success inspires people to invent, to create, to discover. And when people are inspired, companies grow.

www.octanner.com

www.wellsfargo.com/hsa

Wells Fargo Health Benefit Services (HBS), a division of Wells Fargo Bank, N.A., is a premier provider of health and wealth management solutions for companies across the nation. Headed by Jose Becquer in the Wholesale Services Group, HBS helps companies provide tax-advantaged healthcare solutions for their employees. With a national service center in Salt Lake City, HBS began offering health savings accounts (HSAs) in 2004 and holds $275 million on deposit for over 170,000 accountholders.