2010 Best Practices Study

Analysis of Agencies with Revenues Between $5,000,000 and $10,000,000

Mgmt. Perspectives

Services/Other Products Provided (% of Agencies Providing)

Profile

Revenues

Average

+25% Profit

+25% Growth

Property & Casualty Claims Services (beyond traditional services)

Expenses

35.9% 48.7% 48.7% 15.4%

27.3% 45.5% 45.5%

0.0%

Profitability

Loss Control/Engineering/Safety Risk Management Consulting

18.2% 36.4% 18.2%

Employee Overview

Data Analysis

0.0% 0.0%

Producer Info

Workers Comp TP Premium Financing

2.6%

0.0%

Staff Service Info

56.4% 12.8%

63.6%

54.5%

Self-Insurance Programs

9.1% 0.0% 9.1% 9.1% 0.0%

9.1% 0.0% 9.1%

Technology

Household Contents Inventory Services Identity Theft Protection Programs

5.1%

Insurance Carriers

17.9% 17.9%

Appendix

Captive Ins. Company Consulting/Management

18.2%

Other*

7.7%

9.1%

*”Other” includes Due Diligence Reports, Certificate Tracking, and Zywave

Average

+25% Profit

+25% Growth

Life & Health / Financial Wellness

41.0% 69.2% 38.5% 15.4% 28.2% 28.2% 12.8% 35.9% 30.8% 10.3% 38.5%

18.2% 54.5% 36.4% 27.3% 27.3% 36.4%

45.5% 81.8% 36.4% 36.4% 27.3% 54.5% 27.3% 45.5% 36.4% 36.4% 27.3%

Enrollment

COBRA Administration

Government Compliance Service

Employee Benefits TPA

HR Consulting

Actuarial/Data Analysis

0.0%

Pension/401(k)

18.2% 18.2%

Self-Insurance Programs

Investment Products (Securities, Stocks)

9.1%

Zywave

18.2%

PEO (Employee Leasing Products & Services)

7.7%

9.1%

9.1%

Other* 9.1% *”Other” includes Benefits Portals, EB Statements, Payroll Outsourcing, Shared Services - ARO Model, and HRT Technology 12.8% 18.2%

2010 Best Practices Study

Agencies with Revenues Between $5,000,000 and $10,000,000

100