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Brokerage Services for Insurance and Employee Benefits

Verscend;

U.S. Chamber of Commerce;

Kaiser Family Foundation and Health Research & Educational Trust Employer Health Benefits;

Employee Benefits Research Institute (EBRI) Data Book on Employee Benefits;

Society of Human Resource Managers (SHRM) Benefits Survey;

Mercer National Survey of Employer-Sponsored Health Plans

Milliman Medical Index

Segal Company Health Care Plan Trend; and

Hewitt Associates Health Care Cost Surveys and other Custom Surveys

As a result of our benchmarking analysis, we will provide observations on your current plan design, areas that may

be above or below the marketplace, recommended changes, and funding alternatives. We will describe how your

benefits align with your organizational objectives and employee expectations. We will also explore the implications of

any potential benefit changes.

CBIZ will proactively conduct our benchmarking presentations and analyses in order to outline areas where design

changes can be made or costs cut for the overall improvement of the plans.

Cost Control Services (Question 14)

Cost Control strategies are our differentiator when compared to the benefit consulting market. We are up-to-date

and ahead of the curve when it comes to outside-the-box strategies to contain costs. The methods we have

researched and implanted for clients across the Country include, but are not limited to:

Clinical claims consulting and compliance – With the 30 + years in Healthcare experience, we will review

process as it pertains to claims with a point-of-service at a Summit Provider to determine strategies to bring

significant cost savings in an insurance contract compliant manor.

Medical, Dependent, and Network Access Fee audits – Resulting in significant cost recouping and future

savings based on findings.

Pure Captive – If it is determined self-funding makes most sense, our Actuarial team has developed a

method to create a captive which serves only Summit Medical Group. In turn, this allows for complete

control along with all cost savings to revert directly to Summit.