2010 Best Practices Study

Analysis of Agencies with Revenues Between $2,500,000 and $5,000,000

Mgmt. Perspectives

Services/Other Products Provided (% of Agencies Providing)

Profile

Revenues

Average

+25% Profit

+25% Growth

Property & Casualty Claims Services (beyond traditional services)

Expenses

32.4% 32.4% 50.0% 29.4% 79.4% 17.6% 14.7% 14.7% 11.8% 8.8%

44.4% 33.3% 55.6% 55.6% 11.1%

50.0% 60.0% 70.0% 50.0% 20.0% 80.0% 30.0% 40.0% 30.0% 20.0% 30.0% 50.0% 40.0% 10.0% 20.0% 30.0% 10.0% 40.0% 30.0% 10.0% 30.0% 10.0% 10.0% 0.0%

Profitability

Loss Control/Engineering/Safety Risk Management Consulting

Employee Overview

Data Analysis

Producer Info

Workers Comp TP Premium Financing

Staff Service Info

100.0%

Self-Insurance Programs

0.0%

Technology

Household Contents Inventory Services Identity Theft Protection Programs

11.1% 22.2% 22.2% 11.1%

Insurance Carriers

Appendix

Captive Ins. Company Consulting/Management

Other*

5.9%

*”Other” includes HR and Zywave.

Average

+25% Profit

+25% Growth

Life & Health / Financial Wellness

17.6% 52.9% 35.3%

0.0%

Enrollment

55.6% 22.2%

COBRA Administration

Government Compliance Service

8.8%

0.0% 0.0%

Employee Benefits TPA

14.7% 26.5%

HR Consulting

11.1%

Actuarial/Data Analysis

2.9%

0.0%

Pension/401(k)

23.5% 17.6%

33.3% 11.1%

Self-Insurance Programs

Investment Products (Securities, Stocks)

2.9%

0.0%

Zywave

17.6%

11.1% 11.1%

PEO (Employee Leasing Products & Services)

8.8%

Other*

11.8%

0.0%

*”Other” includes Ubenefits, Client Connect, Compliance Check, and payroll services.

2010 Best Practices Study

Agencies with Revenues Between $2,500,000 and $5,000,000

70