www.aegisrisk.com

Aegis Risk is a specialty employee-benefits consulting firm and broker focused on medical stop loss and critical illness coverage for large employer benefit plans.

Our in-depth knowledge on these "low frequency but high exposure" benefits exceeds that of most advisors – who only cover them occasionally. We obtain the greatest value for our clients on these benefits, while their primary broker or consultant remains focused on the rest.

Core services include benefit design and carrier selection, where our focused expertise saves clients hundreds of thousands in premium. On stop loss, we provide ongoing claims monitoring and reimbursement filing – providing peace of mind in using a carrier external to your TPA or health plan. Assistance with self-funded medical plan rate projections can also be provided.

We also conduct an annual Medical Stop Loss Premium Survey – the only survey focused exclusively on employer premiums. Visit our Web site for Survey highlights and submission details. All respondents receive a FREE copy of the results.

Contact us today to discuss key coverage issues and our strategic solutions. We partner with employers, as well as other consultants and brokers.

Alliant Credit Union 

Janet Meinheit
National Account Executive
Alliant Credit Union
11545 West Touhy Avenue
PO Box 66945
Chicago, IL 60666
(800) 328-1935, Ext. 2367
Fax: (773) 462-2083  jmeinheit@alliantcreditunion.com

www.alliantbenefitsolutions.com

Want to control costs, increase employee engagement, and attract and retain top talent? Look to Alliant Credit Union for a financial benefit solution to enhance your employee benefits without cost, significant work or risk.

With Financial Benefit Solutions from Alliant Credit Union you can offer your employees …

• a benefit program that provides an immediate financial benefit at no out-of-pocket cost to them, giving you a competitive, differentiated benefits package
• a program that improves your employees’ cash flow, reduces their financial stress and improves their engagement, without adding cost to your company and with less than an hour a week of your staff time
• a best-in-class HSA program featuring no fees and one of the highest dividend rates in the country. With Alliant as your HSA custodian, we can help your company decrease employee health benefit expenses and help your employees control and manage their health care costs

By adding Alliant to your benefits, your employees will enjoy a free no-cost benefit that helps them gain control over their financial lives and be more productive and engaged in their work.

Learn more and download our free white papers, "American Workers: Getting Ahead or Just Getting By?" and “Is an HDHP/HSA the right prescription for your company?” at www.alliantbenefitsolutions.com.

www.aonhewitt.com

Aon Hewitt is the global leader in human capital consulting and outsourcing solutions.  The company partners with organizations to solve their most complex benefits, talent and related financial challenges, and improve business performance.  Aon Hewitt designs, implements, communicates and administers a wide range of human capital, retirement, investment management, health care, compensation and talent management strategies.  For more information on Aon Hewitt, please visit www.aonhewitt.com. 

Benefit Advocates

Mary Kesel, CEBS
President
Benefit Advocates, Inc.
514 South Stratford Road, Suite 301
Winston-Salem, NC 27103-1826
(800) 344-5677 / (336) 721-2029
mkesel@benefitadvocates.net

www.benefitadvocates.net

Headquartered in Winston-Salem, and founded in 2001, Benefit Advocates provides the most cost-competitive health advocacy services to large and small businesses nationwide. Its clients include SCANA Corporation, SunTrust Banks, Inc. and Schering-Plough Corporation.

With a vision toward high-touch service and skilled solutions, Benefit Advocates prides itself on its core value of “real people, real answers.” It's staffed with experienced healthcare benefits professionals and advocates and committed to enhancing the customer experience for those it serves.

Every hour spent on health benefit problems is an hour human resources professionals could better spend on strategic initiatives. Whether it's driving employees to a lower-cost generic drug alternative or resolving even the most complex healthcare benefits appeals process, Benefit Advocates is a one-stop benefits support solution just a phone call away. No automated messaging systems – that's Benefit Advocates' promise to employers and their employees.

Benefit Advocates is certified by the National Women Business Owners Corporation (NWBOC) and Southeastern Chapter of the Women's Business Enterprise Council (WBENC) – the nation's largest third-party certifier of businesses owned and operated by women.

CIGNA International Expatriate Benefits

Allen Koski, CEBS
Director of International Sales
CIGNA International Expatriate Benefits
590 Naamans Road
Claymont, DE 19703
(302) 797-3300
Fax: (302) 797-3004
allen.koski@cigna.com

www.cigna.com/expatriates

Fidelity Investments

Steve Setterlund
Vice President
Fidelity Investments
900 Salem Street
Smithfield, RI  02917
(401) 292-3743
stephen.setterlund@fmr.com

www.fidelity.com/workplace 

Fidelity Investments delivers guidance and solutions to help you manage benefits costs and help each employee manage their health and financial future. Comprehensive services include: defined contribution, defined benefit, non-qualified plans, health and welfare, stock plan services, consulting, and personal investing. Fidelity serves over 20 million individuals and institutions, and a wide spectrum of organizations in the United States.

Findley Davies

John Weber
Managing Principal
Findley Davies
201 South College Street, Suite 1600
Charlotte, NC  28244
(704) 372-9331
Fax: (704) 372-4910
jweber@findleydavies.com

www.findleydavies.com

Findley Davies works with companies to maximize the effectiveness of their human resources strategies and programs. We specialize in helping clients attract, motivate, and retain talent; enhance the effectiveness of HR processes; leverage technology; improve financial performance through effective management of costs; and structure solutions that drive organizational change.

Established in 1969, Findley Davies is owned and led by a group of senior consultants working from offices in Charlotte, Chicago, Cleveland, Columbus, Greensboro, and Toledo. Our consultants, actuaries, and administrators are accomplished professionals with proven track records in HR, ERISA and tax law, retirement plans, actuarial science, compensation and rewards, communications, health and group benefits, and HR technology.

Visit www.findleydavies.com

www.401kAdvisors.com 

401(k) Advisors is one of the few firms in the U.S. that focuses exclusively on providing independent consulting services to defined contribution plan sponsors. From plan design and communications to vendor fee benchmarkings to detailed investment monitoring and 404(c) consulting, we equip plan sponsors with the services needed to deliver a highly successful plan. Our primary value proposition is providing pinpoint laser focus on two main deliverables: (1) Maintaining compliance with the DOL, IRS, and other regulatory bodies; and (2) Improving investment opportunities and potential retirement outcomes for plan participants. Headquartered in Orange County, California, with twelve offices nationwide, 401(k) Advisors has been bringing value to several hundred plans since 2000.

Visit www.401kadvisors.com for more information.

Lisa McDaniel
Vice President, Sales & Marketing
Healthstat, Inc.
4601 Charlotte Park Drive, Suite 290
Charlotte, NC  28217
(704) 529-6161
Fax: (704) 831-6097
lisa.mcdaniel@healthstatinc.com

 www.healthstatinc.com

Healthstat helps employers reduce healthcare costs by providing on-site primary care, high health risk intervention, occupational medicine and disease management services.  Healthstat on-site clinics identify chronic health risks, and work to manage these conditions before more complex, costly treatment is needed.  Healthstat delivers proven results by helping build healthier businesses.

www.ing.com

ING is a global financial institution with a broad spectrum of businesses including banking, insurance, and asset management. ING has over 150 years of experience, $1.6 trillion in assets, and 60 million customers spread over more than 50 countries. ING employs more than 119,000 employees. In 2006, ING was ranked #11 on the Forbes Global 2000 list.

www.lockton.com

As the world's largest privately-owned independent insurance broker and consultant, we focus our attention on our clients, not on shareholders. Lockton has the technical and professional expertise second to none with the entrepreneurial energy and passion that sparked our creation. Experience our passion for service. Let us help you with any of our full line of employee benefits services.

www.manulife.com

Manulife Financial is a leading Canadian-based financial services group serving millions of customers in 22 countries and territories worldwide. Operating as Manulife Financial in Canada and Asia, and primarily through John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were Cdn$446 billion (US$440 billion) as at March 31, 2010.

Manulife Financial Corporation trades as ‘MFC' on the TSX, NYSE and PSE, and under ‘945' on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com.

www.mosseandmosse.com

Mosse & Mosse Associates, a wholly owned subsidiary of National Financial Partners (NYSE: NFP), provides innovative and cost effective employee benefit plan consulting solutions. The firm, founded in 1987, is focused on 2 primary markets: Retirement Plans and Health & Welfare Benefits.

Our Retirement Plan consulting services are focused on delivering successful outcomes to plan sponsors and employees. We offer consulting in each of the following key areas: Investment Consulting; Plan Design; Employee Communication; Plan Operations; Regulatory/Compliance Services, and; Business Strategy Alignment.

We fully customize the services offered to best meet each of our clients' unique needs, servicing 401(k), 403(b), 457, Defined Benefit, and Executive Retirement Savings plans. We acknowledge our status as a fiduciary to your plan.

Our firm's Health & Welfare division is a market leader in providing and implementing Consumer Driven Health Plans and Corporate Wellness programs. Mosse & Mosse delivers cutting edge benefit plan solutions in an ever changing benefit plan landscape.

Mosse & Mosse Associates is well positioned to meet the needs of its customers both now and in the future.

National Association of Health Underwriters (NAHU)

Illana Maze
Senior Vice President of Marketing & Development
NAHU
2000 North 14th Street, Suite 450
Arlington, VA 22201
(703) 276-3810
Fax: (703) 841-7795
imaze@nahu.org

www.nahu.org

America's Benefits Specialists

NAHU represents licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers as well as individuals seeking health insurance coverage.

Norfolk Mobility Benefits

David J. Bryan, CEBS
Marketing Consultant
SAICI Saint Honore
Norfolk Mobility Benefits
603 Genesee Drive
Naperville, IL  60563
(630) 995-3688
Fax: (630) 995-3689 
DBryan@norfolkmobility.com

 www.norfolkmobility.com

Delivering innovative, value-added services in anticipation of our clients' global needs.

Norfolk Mobility Benefits (NMB) is a leading worldwide provider of expatriate insurance solutions. We are proud of our successes in developing cost-effective plans to meet the specific needs of our clients.

NMB is a subsidiary of Paris-based Mobility Saint-Honore (MSH), a member of the Siaci Saint Honore Group. MSH is one of the largest and most comprehensive suppliers of expatriate insurance services in the world with more than 160,000 insured participants.

Since 1980, Norfolk has been building partnerships with companies around the world by providing exceptional service and expertise in benefits consulting program design and administration.

Whether your operations are cross-border or truly international, and whether you're looking for a program design or complete outsourcing service, we bring a well-informed, global perspective and creative problem solving techniques to your doorstep. Our goal is to work with you to develop flexible, cost-effective programs and services that make sense for your mobile employees

Prescription Solutions

Vince Condino
Vice President, Sales
Prescription Solutions
2300 Main Street
Irvine, CA 92614
(949) 475-3378
Fax: (949) 474-4311
Vincent.Condino@PrescriptionSolutions.com

www.PrescriptionSolutions.com

Prescription Solutions provides retail pharmacy network claims processing, mail order pharmaceuticals, specialty pharmaceutical management, and clinical programs resulting in a low-cost, high-quality drug benefit for customers. With deep experience serving large companies, unions/trusts and managed care organizations, we help clients improve outcomes while managing overall health care costs.

Renaissance Dental

Megan Ladd
Senior Sales Specialist
Renaissance Dental
1401 West County Line Road
Greenwood, IN 46142
(800) 963-4596, Ext. 7239
Fax: (317) 889-0413
mladd@renaissancefamily.com

www.renaissancedental.com

GOT DENTAL?

We offer an alternative to group coverage…nationwide

Dental is THE most requested ancillary benefit yet it is only available to about 40% of today's workforce and individual plans with national flexibility are hard to find. Renaissance Dental has developed an innovative solution that will give your employees (whether they be full or part time) and retirees access to quality individual dental benefits-no matter where they live in the United States- at absolutely no cost nor administrative burden to you.

Renaissance Dental has already implemented successful programs for employees and retirees of some of the nation's largest employers and automobile associations. Let us help you with a solution today!

Founded in 1957, the Renaissance Family of Companies is headquartered in Okemos, Michigan, with offices in Florida, Georgia, Indiana, Kentucky, Michigan, New Mexico, New York, Ohio, Tennessee and West Virginia. We work with insurance agents, brokers, consultants, affinity groups, TPAs, employers, small groups, and individuals to provide quality dental coverage.

Self-Funding Actuarial Services, Inc

Carlton Harker
President
Self-Funding Actuarial Services, Inc. 
8025 North Point Boulevard, Suite 207W
Winston-Salem, NC  27106
(336) 759-2035
Fax: (336) 896-0392
harker2@earthlink.net

 www.awpse.com

Professionals and practitioners may use www.awpse.com to access an extensive menu of health plan-related risk/actuarial Work-Products. This Website uses only new millennial practices.  The Work-Products anticipate (a) upcoming PPACA demands, (b) new ERM/accountancy practices, (c) trade and commerce law revisions, (d) new applications of (i) business robotics, (ii) cybernetics and (iii) IT, (e) more efficient divisions-of-labor and (f) the need for better, quicker and cheaper risk/actuarial services.

Wells Fargo Insurance Services

Renee H. Polk, CEBS
Senior Vice President
Wells Fargo Insurance Services
305 Walnut Street
Redwood City, CA 94063
(650) 839-6190
Fax: (650) 839-6971
Renee.Polk@wellsfargo.com

www.wellsfargo.com/wfis

Wells Fargo Insurance Services, headquartered in Chicago, Illinois, is the fifth largest brokerage in the world, as ranked by Business Insurance (2008). The company has more than 9,500 insurance professionals in over 200 offices who use their experience and knowledge in property, casualty, benefits, international, personal and life products to place in excess of $15.5 billion in risk premiums for our customers.

Wells Fargo Insurance Service is a subsidiary of Wells Fargo & Company, a diversified financial services company with $1.3 trillion in assets, providing banking, insurance, investments, mortgage and consumer finance through more than 11,000 stores, over 12,000 ATMs and the internet (wellsfargo.com) across North America and internationally.

Partnerships and product development have long been important to Wells Fargo Insurance Services as we seek to provide high quality products and up-to-date services for our customers.

At Wells Fargo Insurance Services, you get big broker experience with local broker service. We have a remarkable range of products and services coupled with an equally remarkable range of experience in specific industries to offer the coverage you need and the flexibility to meet your needs now and in the future.

www.zurichna.com

• $37 billion+ in 2008 gross written premium in general insurance lines
• Approximately 60,000 employees worldwide
• Offices/affiliates in more than 170 countries
• Founded in 1872
• Fourth-largest commercial P&C carrier in U.S.
• Second-largest writer of commercial general liability in U.S.
• Third-largest commercial auto writer in U.S.
• Third-largest writer of workers' compensation in U.S.

Zurich offers a variety of Accident products, including Business Travel Accident and 24-hour Accident coverage, with options for employer-paid and voluntary coverages. We write Accident coverage for businesses of all sizes. Our dedicated claims specialists are knowledgeable and committed to prompt responses. We also provide 24/7 catastrophe response services and offer flexible programs that can be customized to your unique business needs.