Investment education basics: here’s why this employee benefit is so popular, along with some hints on choosing the best delivery method – General Benefits

Investment education basics: here’s why this employee benefit is so popular, along with some hints on choosing the best delivery method – General Benefits – Directory

William Dickmeyer

By now, you’ve seen or read that helping your employees understand and manage their personal finances through employer-sponsored financial planning is one of the hottest perks around. In the annual Top Five Benefit Priorities survey conducted by the International Society of Certified Employee Benefit Specialists, for each of the last three years, “Providing Financial/Investment Planning Tools” and “Increased Investment Education” have been near or at the top of the list for both employers and employees.

Here are some ways employers are providing these services:

Traditional financial planners: Many financial planners are packaging their consulting services for employers to help provide “group” services for employers who need it. Depending on the consultant, the cost can be as little as zero, with the consultant counting on fees and commissions from products sold. Other consultants will charge the employer a flat fee per month or per employee for a menu of services in exchange for not presenting products to employees.

Financial planning software: Much of the planning software for employers is focused on tools for retirement plans only, although they are slowly integrating other areas of personal finance into their programs. Pricing varies widely amongst these products, however some deals can be found since, according to the International Society of Certified Employee Benefit Specialists survey, 69 percent of benefits professionals don’t use these services yet and only 25 percent of those not using the services are considering it. Employers who wish to provide modeling software for employees to calculate everything from the impact of a 401(k) contribution on their paycheck to how much that nest egg will be at retirement need only look to their retirement plan vendor to find it.

For corporations that are looking for Web-based solutions, several companies have formed alliances to develop both standalone and Web-based software programs to help employees figure out their financial futures. Some of the names of these products are mPower, Morningstar ClearFuture, and Financial Engine’s Investment Advisor. Pricing varies widely amongst these products.

Voucher Programs: If you are not interested in aligning yourself with a specific financial planner, another idea is to provide a certain level of reimbursement for employees who choose to use their own financial advisor. This option is probably better suited to a smaller company due to the paperwork involved with verifying eligible expenses for reimbursement. But it gives the employee more discretion in choosing someone with whom they are comfortable sharing their personal data.

Here are a few tips for determining how to go about providing financial planning services for your employees:

Ask your employees: One of the great injustices that HR folks tend to commit is the “I know what my employees want” line. That’s true if you ask them, but many times employers make assumptions about what employees know based on the kind of work they do. Conduct surveys or focus groups with your employees to determine whether financial planning is something they need.

Evaluate, evaluate, evaluate: With each method, there are areas to look at to determine that you are getting your money’s worth. With personal consultants, look for individuals that are held to an ethical and professional standard, such as a Certified Financial Planner (CFP).

Determine liability upfront: Often, the fact that an employer pays for a certain service may lead many employees to feel that it is responsible for bad or misleading advice. Take some time to determine the scope of the financial planning services and where liability lies for the advice and the subsequent decisions that are made. Reputable financial advisors will be all over this when making their presentation to you, so be wary if it isn’t included.

Benefits Administration

A Survey institute

www.surveyinstitute.com

Abd Services

www.CyberSure.com

Abilizer Solutions, Inc.

www.abilizer.com

Acclamation Systems, Inc.

www.acclamation.com

Administration Resources Corporation

www.209.32.210.205

Advance Paradigm Inc

www.advparadigm.com

AFP Group

www.afpgroup.com

Allstate Financial

HR Benefits Solutions can give you a hand looking for cost effective benefits that help attract and retain valuable employees? Allstate Financial Workplace Division provides voluntary supplemental insurance products that cost your company nothing, reduce your taxes and enhance your complete employee package. For more information call David Bird at 1-888-694-3275.

2775 Sanders Road

Northbrook, IL 60062

888-694-3275

David Bird

America’s Choice Healthplans

www.myAmericasChoice.com

American Express Retirement Services

American Express Retirement Services provides bundled retirement plan services to a range of companies, unions and organizations. We also provide an array of stand-alone financial education programs. The experienced financial planning resources of American Express enable delivery of a new breed of flexible financial service and education that is hard to match.

www.americanexpress.com/sponsors

1313 American Express

Financial Center

Minneapolis, MN 55474

800-437-0600

Chris Matzke:

chris.matzke@aexp.com

Answer Financial, Inc.

www.answercenter.com

Aon Consulting Worldwide

Aon Consulting’s benefits outsourcing team brings together state-of-the-art technology and Aon professionals to deliver comprehensive benefits administration and personalized communication solutions. Our mission is to deliver the right information to the right people at the right time, while saving you money, resources, and time. Our employee benefits administration team helps organizations effectively manage their total benefits program using state-of-the art technology and best-in-class processes. Aon Consulting is one of the world’s leading, full-service human resources consulting firms providing integrated services on a global basis in the areas of employee benefits, compensation, communication, management consulting and HR outsourcing solutions. For more information, call 800.438.6487 or visit www.aon.com.

www.aon.com

200 East Randolph Street

Chicago, IL 60601

800-438-6487

Tom Ference: tom_ference@aoncons.com

Beacon Global Solutions, Inc.

www.BeaconGlobalSolutions.com

Benefit Software Inc.

www.bsiweb.com

212 Cottage Grove Ave, Suite A

Santa Barbara, CA 93101

800-533-1388

Black Mountain Group

Black Mountain Group is a leading international provider of consulting and outsourcing services in the areas of employee benefits, deferred compensation and HR support. Black Mountain View 3.0[TM] (BMV 3.0) is the latest release of our leading-edge solution for online benefits enrollment and employee communications. BMV 3.0 has all the simple, convenient, web-based self-service features your employees need to model the cost of their benefits package, enroll in benefits programs, update their elections, verify their personal information, access an up-to-date benefits summary and make qualifying event changes.-Exceptional Service. We work with our clients to deliver the solutions they need–we call it “the right fit.”

www.blackmountaingroup.com

352 Seventh Avenue

New York, NY 10001

212-967-3122

David Kinnear:

david.kinnear@blackmountaingroup.com

BlackVoices.com

www.blackvoices.com

Books Are Fun

www.booksarefun.com/booksarefun/default.asp

CallConnect Communications

www.callconnect.com

12303 Airport Way

Broomfield, Colorado 80021

303-442-1111

Celtic Life insurance Company

www.celtic-net.com

Ceridian

Free yourself from the burdens of administration by moving transaction-based benefits activities to Ceridian. We provide a single-provider, technology-enabled environment, driven by your needs. Look to Ceridian for comprehensive Health & Welfare administration, COBRA, FSA, 401(k) and retirement plan services, transportation and education programs, retiree billing, and eligibility/enrollment solutions. Free yourself from participant phone calls, system upgrades, capital expenditures and expensive IT resources. As an industry leader in HR benefits administration, Ceridian can often provide enhanced services at a lower cost than an in-sourced model. With Ceridian’s benefits administration solutions, you’re free to focus on what’s really important–your business.

www.ceridian.com

3311 East Old Shakopee Rd.

Minneapolis, MN 55425

800-729-7655 ext.3302

Charities@Work

www.charitiesatwork.org

Charles W. Cammack Associates, Inc.

www.cwcainc.com

CIGNA integrated Care

www.cigna.com

CNA insurance Companies

www.cna.com

COBRA Compliance Systems, Inc.

People Not Paperwork. Experience the outsourcing solutions 1 12,000 U.S. employers depend on for COBRA, HIPAA, FSA and Retiree Billing. Offering nation’s No. 1 COBRA/HIPAA seminar. CC5 brings the business world services that provide the power of people backing technological systems to deliver the benefit compliance services the customer expects.

www.cobracs.com

PO Box 889

Coldwater, MI 49036-0889

800-300-3838

Mark Sanborn: mark.sanborn@cobracs.com

COBRAQuarterly.com

www.cobraquarterly.com

Colt Express Outsourcing

www.coltexpress.com

Combined Worksite Solutions

www.combined.com

Conestoga Group. Inc.

www.theconestogagroup.com

Convergys Employee Care

www.convergys.com/emcare.htm

Dearborne Financial Publishing

www.dearbon.com

Direct Deposit & Direct Payment Coalition

www.directdeposit.org

Dynamic Benefits Solutions, LLC

www.dynarnicbenefits.com

E-Duction, Inc

e-Duction is a voluntary employee benefit that enables employees to make interest-free purchases, 365 days-per-year through payroll deduction. With the e-Duction MasterCard, employees can “e-Duct” their purchases ever two to six months, interest-free, at over 22 million locations. e-Duction also allows employers to consolidate post-tax payroll deductions onto one platform.

www.e-duction.com

2 Valley Square, Suite 100,

512 Township Line Road

Blue Bell, Pennsylvania

19422

215-542-2121

Kevin Watkins: wfinfo@e-duction.com

eBenX

eBenX is the leading provider of health & welfare benefits management services. We streamline and automate the purchase, administration and payment of group health & welfare benefits for large- and mid-sized employers. The result is dramatically reduced cost and administrative burden for employers, and significantly improved choice, convenience and quality of services for employees, retirees and their dependents. eBenX is revolutionizing the way employers and their health & welfare carriers manage benefits data, communications and transactions. Our comprehensive services include strategic consulting, procurement, data management, electronic carrier feeds, billing and payment, COBRA and FSA administration, customer service and retiree program management.

www.ebenx.com

605 North Highway 169, Suite LL

Minneapolis, MN 55441

763-614-2000

Anita Messal: anita.messal@ebenx.com

Einstein Computer Corporation

www.legaldubcomputer.com

Employee Benefit Management Corp.

www.ebmconline.com/home.asp

Employee Benefit Services

www.thebenexcard.com

Employee Benefits Cooperative

www.ebcflex.com

Employee Benefits Institute of America, LLC

www.ebia.com

EmployeeMall

www.employeemall.com

ERN–Employer Resource Network

www.ern-inc.com

Evolution Benefits

www.evolutionbenefits.com

Fast401k.com

www.fast401k.com

Fireman’s Fund Direct

www.the-fund.com

Frank Gates Service Company, The

www.frankgates.com

GLS Benefit Services

www.glstrat.com

2100 E. Maple, Suite 100

Birmingham, MI 48009

800-255-6485

Grouplife.com, Inc

www.grouplife.com

Hewitt Associates

Hewitt Associates LLC is a global management consulting and outsourcing firm specializing in human resource solutions. With 2000 revenues of nearly $1.3 billion, the firm ranked among the Top 200 of Forbes magazine’s listing of the largest private companies and has the largest employee benefits consulting business in the U.S. The main area of busines are: HR Es Benefits Outsourcing, HR Strategy & Technology, Organizational Change, Retirement and Financial Planning, Talent & Reward Strategies, and Health Care. The firm also boasts an impressive client roster, which includes more than two-thirds of the Fortune 500 companies and over one-third of the Global 500.

www.hewitt.com

100 Half Day Road

Lincolnshire, IL 60069

847-295-5000

Sue Schmitz: sue.schmitz@hewitt.com

Hobbs Group Employee Benefits

www.hobbsgroup.com

Horizon Behavioral Services

www.horizoncare.net/main.html

HR Plus

www.hrplus.com/home.html

HR Simplified

HR Simplified specializes in administering COBRA and FSA. Focusing on these two areas of administration since the inception of COBRA in 1987, HR Simplified provides its customers the highest level of service in the industry. Their employees have an average of 15 years experience. Extended phone service hours enable customers to get questions answered as they occur without enduring an automated voicemail system. And their interactive technologies provide access to benefits information in a format that’s customized to fit each customer’s pre-existing system. Possessing the experience, focus and expertise–HR Simplified is the answer for flawless COBRA and FSA administration.

www.hrsimplified.com

Minneapolis, MN 55426

866-452-3700

Customer Sales: info@hrsimplified.com

HRWisdom.com

www.hrwisdom.com

Humanic Solutions

Our job is to understand your individual needs – and to present all of your options. Then we recommend a solution that delivers efficiency, accuracy, and productivity. So HR, payroll, and benefits–all the things your employees expect from you–are parts of your business you don’t have to worry about. Whether you want us to handle transaction processing, call center services, open enrollments, ESS/MSS, expatriate processing, or tax filing and distribution, you are in control. If you prefer, we can act as an Application Service Provider, allowing you to run our software over the Internet. We’re Humanic Solutions–What can we do for you?

www.humanic.com

145 Pinelawn Road

Melville, NY 11747-9008

866-HUMANIC

Jim Devanna: jim.devanna@humanic.com

iBenefits

www.ibenefits.com

Kemper PointandQuote.com

www.pointandquote.com

Kids Online America, Inc

www.kola.net

Liberty Insurance

www.genelco.com

Limerick, Inc.

www.limerickinc.com

Marshall & Ilsley Trust Company

www.mitrust.com

MBI

www.medibank.com

Mellon HR Solutions

www.mellon.com

2100 North Central Road

Fort Lee, NJ 07024

201-592-1300

Milliman & Robertson, Inc.

www.milliman.com

MyBenefitSource

www.mybenefitsource.com

National Planning Consultants

www.planning.org

National Worksite Partners

www.worksitepartners.com

Near North Insurance Brokerage, Inc.

www.nnng.com

Online Benefits, Inc.

www.onlinebenefits.com

Plan Analysts

www.plananalysts.com

PrimarySelect Health Plan, The

www.primaryselect.com

Private Healthcare Systems

www.phcs.com

ProAct Technologies

www.proacttechnologies.com

120 Bloomingdale Rd.

White Plains, NY 10605

914-872-8000

Prudential Financial

Prudential Financial is a leading provider of employee benefits, programs and services. Prudential’s programs are designed to provide employees with a wide choice of best-in-class products to meet their diverse needs. Service is delivered through a multi-channel, Internet-based platform that is convenient and accessible to employees, and that streamlines employer administration. Prudential Financial’s array of investment and protection products that employers car offer their employees includes: Group Life; Group Disability; Group Long Term Care Insurance; Retirement Services; Relocation and Real Estate Services; Group Annuities and Stable Value Products; Employee Stock Plan Services; Prudential WorkingSolutions[TM]; Voluntary Benefits; Auto and Homeowners Insurance; Financial Planning; Legal Services; and other services.

www.prudential.com

Raymond J. Lucia Companies, Inc.

www.rjlinc.com

Retirement Resources, Inc.

www.axa-advisors.com

Scholarship Management Services

www.csfa.org

Sentinel Benefits Group

www.sentinelbenefits.com

SES

www.sesworks.com

Sheffield, Olson & McQueen, Inc.

www.somi.com

SHPS Healthcare, Inc.

www.shps.net

Signature Group, The

www.thesiggroup.com

Stanton Group

www.stantongp.com

The Flex Company of America, Inc. (formerly Benefits 2000, Inc.)

www.Benefits2000.com

The Nyhart Company, Inc.

www.nyhartco.com

United Behavioral Health

www.unitedbehavioralhealth.com

United Healthcare

www.unitedhealthcare.com

Universal Pensions, Inc.

www.universalpensions.com

UnumProvident

At UnumProvident, we protect incomes when our customers become injured or ill and unable to work, and we provide extensive resources to help get them back to work. We study the many facets of workplace health and productivity and provide products and services designed to maintain a safe, productive workplace.

www.UnumProvident.com

Keith Hickerson: Keith_Hickerson@providentcompanies.com

vSimplify.com

www.vsimplify.com

WageWorks

www.wageworks.com

Wellington Consulting Services

www.wellington401k.com

Work/Life Benefits

www.WorkLifeBenefits.com

Worklife Productions, Inc.

www.worklifepro.com

Xylo

www.xylo.com

Zenith Administrators, Inc.

www.zenithtpa.com

Dependent Care

Active Parenting Publishers, Inc.

www.activeparenting.com

American Speech-Language-Hearing Association

www.asha.org

ARAMARK Work/Life Partnerships

www.daybridge.com

Bright Horizons Family Solutions

www.brighthorizons.com

Fisher Vista

www.fishervista.com

Geriatric Support Associates

www.geriatricsupport.com

KinderCare Larning Centers

www.kindercare.com

La Petite Academy, Inc.

www.lapetite.com

March of Dimes

www.modimes.org

NEAS–The EAP & Work/Life Company

NEAS is the quality EAP & Work/Life Company. Our relationship-based programs put compassion and responsiveness back into customer service, and our 24/7 Care Center sets the standard in our field. Delivered globally, services include assessment, counseling, supervisory consultation, work/life services, dependent care resources and consultation, coaching, training and crisis intervention.

www.neas.com

Riverwood Corporate Center II

N17 W24100 Riverwood Drive

Waukesha, WI 53188

800-634-6433

Business Development: info@neas.com

Employee Assistance Plans

Abccarriers Trucking USA

www.year5000.com

Actuaries & Associates

www.actuariesassoc.com

Allsup Inc.

www.allsupinc.com

Amalgamated Life Insurance Co.

www.amalgamatedlife.com

American Behavioral

www.americanbehavioral.com

American Benefits Council

www.americanbenefitscouncil.com

American General Financial Group

www.uslifegroup.com

Ann Clark Associates

www.annclarkassociates.com

APS Health Care

www.apshealthcare.com

Balance

www.balance.tv

C&A Employee Assistance Services

www.criteseap.com

CampusDoor

www.campusdoor.com

Ceridian

Free your employees to be more productive with Ceridian’s LifeWorksAE program. Our comprehensive employee-support program directly impacts recruitment and retention by supporting your employees 24 hours a day, seven days a week: online, by phone, in person, on-site, in Spanish, in print, on tape, and by referral. Through LifeWorks, you can have a fully integrated work-life / employee assistance (EAP) and preventive wellness program that keeps employees focused on work and committed to your organization. By helping employees address the everyday issues that increase their stress and consume their time, Ceridian lets you be free to focus on what’s ahead.

www.ceridian.com

3311 East Old

Shakopee Road

Minneapolis, MN

55425

800-729-7655 ext.3302

Children’s Choice Learning Centers, Inc.

www.childchoice.com

ChildrenFirst

www.childrenfirst.com

Circles

www.circles.com

Claremont Behavioral Services

www.claremonteap.com

ComPsych Corporation

www.compsych.com

Concierge At Large, Inc.

www.concierge-at-large.com

Corporate Partnership Program

www.salliemae.com

EAP Consultants, Inc.

www.eapconsultants.com

1765 The Exchange, Suite 275

Atlanta, GA 30339

800-522-1073

EAP International

Established in 1977, EAP International offers comprehensive on-line, telephonic and face-to-face services addressing both personal and work place management issues. We increase the overall health of the organization through personalized services delivered thoughtfully and responsively. Access provided to master’s level consultants is provided 24/7. Services are delivered across the U.S. and around the world.

www.eapintl.com

410 17th St., Suite 2000

Denver, CO 80202

EASE@Work

www.easeatwork.com

Employee Support Systems Company

www.esscocorp.com

Family Service EAP

www.FamilyServiceInc.com

430 North Canal Street

Lawrence, MA 01840

978-683-9505

FEI Behavioral Health

Your Employee Assistance Program (EAP) from FEI is customized to match your company’s needs. Employees and their immediate family members receive professional, user-friendly, 24 hour access to problem solving resources. Consultation Is always available to managers arid supervisors dealing with a workplace problem. Services are provided in-person, over the phone and through a customized website, which can include online, interactive EAR FEI’s Work-Life Service provides unlimited consultation and referral for childcare, adoption, education, and eldercare and also provides everyday convenience services. FEI’s Crisis Management services and Communication Center responds quickly to critical events. Our specially trained, mental health professionals provide information, support, and assistance to individuals affected by the event. Call to learn about the positive impact FEI can have in your organization: 800-987-4368

www.feibh.com

11700 West Lake Park Drive

Milwaukee, WI 53183

800-987-4368

Donald Smeltzer: dsmeltzer@feinet.com

FGI

www.fgiworld.com

Foundation for Enterprise Development

www.fed.org

Green Spring Health Services, Inc.

www.magellanhealth.com

Harbor Corporate Services

www.harbcr.org

Health & EAP Resources, Inc.

www.healthandeap.com

Matrix Psychological Services

www.matrixpsych.com

Menninger Corporate Services

www.menninger.edu

MHN

MHN is the second largest provider of Employee Assistance Programs in the US. EAP’s are offered in stand-alone and integrated models and services include face-to-face and/or telephonic counseling, management consultation, assistance with job performance referrals and Critical Incident Stress Debriefing. Both Internet and telephonic work/life services may also be added.

www.mhn.com

5525 N. MacArthur Blvd., Suite 800

Irving, TX 75038

972-550-2500

Business Development: businessdevelopment@mhn.com

NEAS–The EAP & Work/Life Company

NEAS is this quality EAP & Work/Life Company. Our relationship-based programs put compassion and responsiveness back into customer service, and our 24/7 Care Center sets the standard in our field. Delivered globally, services include assessment, counseling, supervisory consultation, work/life services, dependent care resources and consultation, coaching, training arid crisis intervention.

www.neas.com

Riverwood Corporate Center II

N17 W24100 Riverwood Drive

Waukesha, WI 53188

800-634-6433

Business Development: info@neas.com

People Resources, Inc.

www.peopleresourceseap.com

Prestige International

www.prestigeconcierge.com

Resources for Living

www.rfl.com

Service Administrators, LLC

www.serviceadministrators.com

SharingVillage Employee Asistance Center

www.sveac.com

Stemark Associates

www.stemark.com

Stress Management Consulting

www.stress-management.com

UMB Bank, n.a.

www.umb.com

ValueOptions

www.valueoptions.com

VMC Behavioral Healthcare Services

www.vmceap.com

Warren Shepell Consultants Corporation

www.warrenshepell.com

Worldwide EAP, Inc.

www.worldwideeap.com

Financial/Investment Planning

401K Easy

www.401keasy.com

401K Provider Directory

www.401ksource.com

ABD Insurance & Financial Services

www.abdi.com

AM South Bank of Tuscaloosa

www.amsouth.com

American Express Financial Advisors

www.americanexpress.com/advisors

American Financial Systems, Inc.

www.afs-link.com

American National Bank and Trust Company of Chicago

www.bankone.com

Ameritrade

www.ameritradeatwork.com

Amsouth Bank N.A.

www.amsouth.com

Anchor National Life Insurance Co.

www.sunamerica.com

AssetPlanner

www.assetplanner.com

AXA Advisors, Inc.

www.axa-advisors.com

Benefits & PPA

www.benefitsppa.com

BUY and HOLD

www.BUYandHOLD.com

Ceridian

Release your employees from worries about retirement planning with Ceridian Retirement Plan Services. Our retirement plan and 401(k) solutions empower your organization to leverage leading technology while delivering unprecedented customer service. Because Ceridian is fund-neutral, you are free to assemble investment selections that meet your specific needs. Our open architecture technology lets you upgrade your level of service without abandoning your current fund lineup. Ceridian’s seamless payroll interface automates data flow between payroll and record keeping systems, and robust features like Web Access, Investment Advice and Daily Valuation free your company’s resources to focus on what’s really important–your business.

www.ceridian.com

3311 East Old

Shakopee Road

Minneapolis, MN

55425

800-729-7655 ext.3302

Delaware Investments

www.delawarefunds.com

Diversified Investment Advisors

www.divinvest.com

E*Trade Business Solutions

www.business.etrade.com

Edward Jones

The Edward Jones Personal Finance Education Program will equip your employees with an understanding of the basics of investing and reinforce the benefits of participating in your company sponsored retirement plan. This program includes seminars, literature and one-on-one sessions with local Investment Representatives at no cost.

12555 Manchester Road

St. Louis, MO 63131

800-441-1384

Financial Independence Company

www.f-i-c.com

Financial Network Investment Corporation

www.financialnetwork.com

Howe Barnes Investments

www.howebarnes.com

Invesmart, Inc.

www.invesmart.com

IRA-Info.com, Inc.

www.ira-info.com

Money inSights

www.moneyinsights.com

Newport Group

www.newportgroup.com

NEWS Financial & Insurance Services, Inc.

www.newsfi.com

PNC Advisors-Retirement Directions

www.retirementdirections.com

The 401(k) Company

The 401(k) Company specializes in premier full-service administration of defined contribution plans. The firm distinguishes itself through a steadfast commitment to absolute quality service, state-of-the-art technology, flexibility and customization. FIDUCIARY direct, offered independently of The 401(k) Company’s recordkeeping capabilities, is an invaluable service that helps plan sponsors meet their fiduciary responsibilities.

98 San Jacinto Blvd., Suite 1100

Austin, TX 78701

800-THE-401k

Tanya Uptegraph:

tanya.uptegraph@the401kcompany.com

The Scarborough Group, Inc.

www.sgi401k.com

Group Legal Services

GE Financial/Signature LegalCare & Legal Services Plan

www.legalcareplan.com

Pre-Paid Legal Services Inc.

www.prepaidlegal.com/info/mhamel

PrePaid Legal Group

www.prepaidlegal.com/group/jnichols

Sharp Benefits, Inc.

www.sharpbenefits.com

The Hinton Organization

www.prepaidlegal.com/go/roberthinton

Indemnity Insurance

AFLAC

www.aflac.com

Zurich North America

www.zurichus.com

Life Insurance

Allmerica Financial–First Allmerica Financial Life Insurance Co.

www.allmerica.com

Allnation Life Insurance Company

www.allnationagency.com

American Family Life Insurance Company

www.aflac.com

American Insurance Administrators

www.mapinc.com

American United Life Insurance Co.

www.aul.com

Chubb Executive Risk

www.cber.chubb.com

Colonial Life & Accident Insurance Company

www.coloniallife.com

General American Life Insurance Co.

www.group.genam.com

Grouplife.com, Inc

www.grouplife.com

Guardian

www.glic.com

Metropolitan Life Insurance Company

MetLife, a subsidiary of MetLife, Inc. (NYSE: MET), is a leading provider of insurance and other financial services to individual and group customers. The MetLife companies serve approximately nine million individual households in the U.S. and companies and institutions with 33 million employees and members. MetLife also has international insurance operations in 14 countries. For more information about MetLife, please visit the company’s Web site at www.metlife.com.

www.metlife.com/business

One Madison Avenue

New York, NY 10010

877-METBtoB

Minnesota Life

www.mnmutualgroup.com

Group National Sales Office

400 Robert Street North

St. Paul, MN 55101

651-665-3153

North Carolina Mutual Life

www.ncmutuallife.com

Standard Insurance Company

Standard Insurance Company is one of the nations leading providers of employee benefit products and services. Standard has 38 Sales and Service Offices in the United States through which it provides: Group Long Term Disability, Short Term Disability, Executive Benefits, Life, Dental, Voluntary Life, Long Term and Short Term Disability Products.

www.standard.com

UnumProvident

At UnumProvident, we protect incomes when our customers become injured or ill and unable to work, and we provide extensive resources to help get them back to work. We study the many facets of workplace health and productivity and provide products and services designed to maintain a safe, productive workplace.

www.unumprovident.com

Keith Hickerson: Keith_Hickerson@providentcompanies.com

Viaticus, Inc.

www.viaticus.com

Xcorp

www.xcorp1.com

Long-term Disability

Kemper Insurance Companies

www.kemper.com/t/index.jhtml

Liberty Mutual

www.libertymutual.com

Massachusetts Mutual Life Insurance Company

MassMutual offers supplemental disability income insurance designed to enhance an existing group long-term disability benefit. Supplemental disability income insurance offers the maximum income protection at no cost and minimal administration to companies. The site, www.halfapaycheck.com, provides additional information and offers a “test-drive” for employers. MassMutual supports people during the financial and emotional stress of a disability as the result of an accident or illness and helps them transition back to the work environment. For more information, please visit www.massmutual.com.

www.massmutual.com

Massachusetts Mutual Life Insurance Company, and affiliated companies

Springfield, MA 01111-0001

Standard Insurance Company

Standard Insurance Company is one of the nations leading providers of employee benefit products and services. Standard has 38 Sales and Service Offices in the United States through which it provides: Group Long Term Disability, Short Term Disability, Executive Benefits, Life, Dental, Voluntary Life, Long Term arid Short Term Disability Products.

www.standard.com

Pension Administration/Management

American Pensions Inc.

www.ampen.com

Apscreen, Employee Locator

www.employeelocator.com

Baldwin & Clarke Pension Consulting

www.BCPensions.com

BlueSuit Inc.

www.bluesuit.com

Brokerage Concepts, Inc.

www.bcitpa.com

Brown Brothers Hairriman & Co.

www.bbh.com

Charles Schwab & Company, Inc.

www.schwab.com

Columbia Funds

www.columbiafunds.com

DailyAccess.Com

www.dailyaccess.com

Levi, Ray & Shoup, Inc.

www.lrs.com/pengold

McCready and Keene, Inc.

www.mcak.com

Mellon HR Solutions

www.mellon.com

2100 North Central Road

Fort Lee, NJ 07024

201-592-1300

Midwest Pension Actuaries, Inc.

www.actuaryjobs.com

PaineWebber

www.painewebber.com

SunGard Corbel

www.sungardcorbel.com

1660 Prudential Dr

Jacksonville, FL 32207

904-399-5888

SunGard Employee Benefit Systems

www.ebs.sungard.com

SunTrust Retirement Services

www.SunTrust.com

The 401(k) Company

The 401(k) Company specializes in premier full-service administration of defined contribution plans. The firm distinguishes itself through a steadfast commitment to absolute quality service, state-of-the-art technology, flexibility and customization. FIDUCIARYdirect, offered independently of The 401(k) Company’s recordkeeping capabilities, is an invaluable service that helps plan sponsors meet their fiduciary responsibilities.

www.the401kcompany.com

98 San Jacinto Blvd., Suite 1100

Austin, TX 78701

800-THE-401k

Tanya Uptegraph: tanya.uptegraph@the4Olkcompany.com

T.Rowe Price Group

www.troweprice.com

Pension Plan Design/Consultants

Alliance Benefit Group

www.allbenefits.com

Benefits 401, Inc.

www.benefits401.com

Legg Mason

www.bradwetzel.fa.leggmason.com

Merrill Lynch

www.fc.ml.com/rusowicz

PensionOnline.com

www.pensiononline.com

Successful Money Management Seminars

www.smms.com

Technical Answer Group, Inc.

www.tagdata.com

Trust Service Co., Inc.

www.tscusers.org

Wallach & Associates, Inc.

www.wallach.com

Transportation Benefits

Qualified Transportation Benefits (QTB Services)

www.qtbservices.com

585 Stewart Avenue, Suite 430

Garden City, NY 11530

516-794-1953

Work/Life Benefits

e-DependentCare & Work/Life Benefits

www.e-dependentcare.net

E-Duction, Inc

www.e-duction.com

2 Valley Square, Suite 100

512 Township Line Road

Blue Bell, Pennsylvania 19422

215-542-2121

Gevity HR

www.gevityhr.com

LifeCare, Inc.

www.lifecare.com

MediFit Corporate Services

MediFitis Virtual Fitness Center at ActivePursuit.com is open! Take a tour today and sign up for your free, live test drive at www.activepursuit.com. MediFit is a national consulting and management firm that specializes in the design and delivery of onsite health promotion, fitness management and web-based physical activity programs.

www.medifit.com

131 Madison Avenue

Morristown, NJ 07960

973-540-800

Rick Baldwin: rbaldwin@medifit.com

Moms @ Work, LLC

www.womans-work.com

NEAS–The EAP & Work/Life Company

NEAS is the quality EAP & Work/Life Company. Our relationship-based programs put compassion and responsiveness back into customer service, and our 24/7 Care Center sets the standard in our field. Delivered globally, services include assessment, counseling, supervisory consultation, work/life services, dependent care resources and consultation, coaching, training arid crisis intervention.

www.neas.com

Riverwood Corporate Center II

N17 W24100 Riverwood Drive

Waukesha, WI 53188

800-634-5433

Business Development: info@neas.com

SwankSpace

www.swankspace.com

The Christensen Group

www.thechristensengroup.com

The Credit Alternative

www.thecreditalternative.com/INDEX/Employees.html

Veterinary Pet Insurance

www.petinsurance.com

3060 Saturn St.

Brea, CA 92821

800-872-7387 ext.5647

Workers’ Compensation

Concorde, Inc.

www.concorde.com

Liberty Mutual

www.libertymutual.com

Medcor, Inc.

www.medcor.com

PMA Insurance Group, The

www.pmagroup.com

R.E. Harrington, Inc.

www.theworknumber.com

Safety Investigative Services, Inc.

www.fraudfinders.com

Safety Pays, Inc.

www.safetypays.com

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