King Benefits Proposal

WILLIAM J. KING & ASSOCIATES

I N S U R A N C E S E R V I C E S , I N C .where knowledge, creativity and service add more to your benefits

G E T M O R E F O R

Y O U R B E N E F I T S


I N S U R A N C E S E R V I C E S , I N C .

Thank you for the opportunity to discuss your health insurance and employee benefits needs. Inside we provideyou with a better idea of who we are and exactly how we can be a valuable service to you and your organization.

Located in Carlsbad, William J. King & Associates has served local businesses with their insurance andemployee benefit needs since 1972. Our success over the past several decades has made us the largestemployee benefits firm in North County San Diego. At William J. King & Associates, excellent customer service is aphilosophy, as well as a challenge, and our only way of doing business. We have never lost sight of the fact thatour client is a person, not a number. You can expect courteous and considerate attention by our friendly staff. Thisis the only old fashioned attitude you will find in our company, but it is one we promise to keep.

We pride ourselves on our extensive industry knowledge and creative problem solving solutions. Our goal is tocustomize an employee benefit package that fits your needs best and then provide an unprecedented level ofpersonal service.

Our clients receive access to a personalized Website, which is designed to offer time-saving tools and resourcesthat build convenience into managing your everyday work tasks.

Whether you want to collaborate with our agency online, have quick access to benefit summaries and enrollmentforms, or connect with other peers in your industry, FutureOffice does it all. It is easily accessible, hardworking,and just one of the many value-added services available to you when you partner with William J. King &Associates.

FutureOffice is an employee-benefit management software application that provides you and your employees,24/7 access to company and benefits information in one secure location.

Allows employees the ability to make benefit elections online easily

Offers detailed benefits and rate pages tailored to your plans

Communicates announcements, career and training opportunities

Tracks employee vacations and holidays

Saves the HR manager time and money

We would love the opportunity to provide you with a complete analysis of your benefits program to determinewhether your current strategies effectively meet your overall objectives. Even if you are happy with your currentsituation, we would still like to show you the extra services we provide that set us apart from the competition andmake us the best in the business.

Please contact us with any questions or to discuss your insurance needs. We're here to help in any way that wecan. You can call us at (760) 438-8850 or email [email protected].

Best in health,

King Benefits Team

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William J. King & Associates

Commitment is King {Knowledge-Creativity-Service}

FutureOffice



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K I N G B E N E F I T S H R

For the administra

tors

For the administra

tors

With both time and resources at a precious

premium, it's become increasingly difficult to

do your job, let alone manage insurance

costs and stay informed on legislative

developments. William J. King & Associates

Insurance Services, Inc.'s revolutionary new

online tool acts as a springboard from which

you can better gather and organize

information and data and solve the everyday

problems that hamper your ability to work

more efficiently and effectively.

Your New Portal At-A-Glance

Welcome to King HR Benefits

Insurance & HR Community

� Fast Answers

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Compliance

Document Library

Health & Wellness Community

Analysis

Online Services

HR Trends



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Our Tools for Your Success

Bulletins

What's the Buzz?

Education Information

Handbook and PoliciesOur quarterly newsletter covers current benefits

topics in depth.

Each month, enjoy a one-page easy-to-read

newsletter that is focused on hot benefit and HR

topics.

Need more information? Stop looking. Our

informative articles cover hot benefits topics, such as

Consumer-Directed Health Care (CDHC) and benefit

cost trends with our educational articles.

No need to worry about communicating your

company policies and procedures to employees; we

have a completed employee handbook and

individual employment policies to get you started.

Don't be left in the dark; let our tools provide you all the

information that you need to be an in-the-know

employer.

Understanding the complexity

of employee benefit plans is a

challenge, even for the most

experienced benefits manager.

Employers need to remain up-

to-date on constantly changing

trends, laws and regulations.

We have the solutions to help

you tackle and understand the

most complex benefit topics.

Keeping You Ahead of the Curve.

Your Information Partner

Stay Virtually ConnectedWe deliver documents on command, all from the convenience of your

unique Web-based client portal. These tools allow you to access and

share valuable resources, including educational materials, HR policies

and employer-facing newsletters. WILLIAM J. KING & ASSOCIATES


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Your Employee Communication Partner


Benefits Announcements

Benefits Statements

Consumer-Directed Health Care (CDHC)

Resources

Monthly Newsletters

Retirement Education

We have memos, flyers, payroll stuffers and articles

for you to use to annouce and explain current benefit

offerings.

Help employees understand their “hidden paycheck”

with custom benefits statements.

Empower your employees to be the directors of their

health and medical care. We have everything you

need to do so – flyers, articles, payroll stuffers, e-mails

and posters.

Keep your employee body healthy, well and safe with

our monthly Live Well, Work Well newsletter. Flyers are

also available for targeting specific health conditions.

Ensure that your employees are financially fit and

ready for retirement with our Savings Fitness flyers.

It is without question that your

employees need to understand

their benefits in order to be wise

consumers. We have the

resources to help you tackle all

your communication challenges

and educate your employees on

their benefit options so they can

make wise choices.



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Your Human Resources Partner


We have the resources and tools to help you manage

all your HR duties, headaches and responsibilities

with ease.

You have access to a Client Portal where you will find

answers to your common COBRA, FMLA and HIPAA

compliance questions.

No need to worry about communicating your com-

pany policies and procedures to employees; we have

a completed employee handbook and individual

employment policies to get you started.

Our easy-to-read articles can help you understand

often confusing and sensitive HR issues, such as

sexual harassment, substance abuse prevention and

hiring and firing practices. We'll further assist you with

our library of HR forms that will streamline your day-to-

day HR duties.

We'll give you access to a community of other HR

professionals where you can discuss common HR

headaches and find solutions.

Legislative Briefs and Legislative Guides

Employee Handbooks and Policies

HR Education and Forms

Community

Our agency is dedicated to

helping you create and maintain

a positive work environment by

offering solutions for your

organization's Human

Resources challenges.



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Your Health Care Reform Partner


Legislative Briefs

Legislative Guides

Employee Communications

Community Support

We have easy-to-read articles designed to summa-

rize health care reform legislative information and

provisions.

Gain access to a client portal where you will find

answers to commonly asked health care reform

questions. You will also find the forms you need to

meet your everyday compliance needs.

As provisions take effect and regulations change,

explaining health care reform to employees is a

necessity today. We have the documents that will help

employees understand how reform affects them and

their families.

Got a reform-related question? Join a community of

some of your knowledgeable colleagues from all over

the country. Post your questions and share resources

and information via the community's interactive

forum.

There are countless rules and

regulations governing the health

care reform legislation, many of

which are quite complex. Our

expert team will help meet your

compliance obligations because

we stay up-to-date on the

reform regulations that affect

your employee benefit program.

With provisions taking effect

from now until 2018, we will be

your health care reform source

every step of the way.



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Your Enrollment Services Partner


Enrollment Education for Employers

Enrollment Tools for Employers

Employee Communications

With help from our checklists and informative articles

such as “Maximizing Open Enrollment for Your

Employees,” provide your staff with all the tools they

need to succeed during open enrollment this year.

From benefit summaries to presentations to

announcements, let our enrollment tools help you

inform your employees and keep them up-to-date on

enrollment information.

Our Know Your Employee Benefits series, along with

benefit announcements, payroll stuffers and posters,

provide your employees the information they need to

make informed benefit selection decisions.

King Benefits is your one-stop-shop for HR

Communications and online enrollment. Enjoy

security and ease of enrollment today.

Our agency can deliver the

resources you need to

effectively communicate with

your employees about benefit

enrollment. Our tools will help

inform employees about the

benefits you offer and guide

them toward making the best

decision for their lifestyle.

Stay Virtually ConnectedWe deliver documents on command, all from the convenience of your

unique Web-based client portal. These tools allow you to access and

share valuable resources, including compliance information, surveys

and employee benefits resources. WILLIAM J. KING & ASSOCIATES


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Control Rising Costs.

Increase Productivity

and Morale.

Your Workplace Wellness Partner


Our agency can help you create a wellness program thatwill help you control rising healthcare costs, increaseemployee productivity and increase employee morale.

Whether it's a simple monthly wellness newsletter or acomprehensive plan, we'll help you develop a programthat fits your needs.

We have tools to help you gather claims data, conduct aneeds-and-interest survey, and audit your currentwellness culture, all to help pinpoint your employeegroup health needs.

Whether it's a simple wellness newsletter or a compre-hensive plan, we will help you develop a wellness

program that suits your needs and guides you throughyour efforts. Our article will advise you on how to:

Capture senior-level support

Speak to your employees through educational materi-als that meet your wellness needs. We have documentsthat will help them understand their health issues andmake wise decisions to benefit their lives now and in thefuture. These include posters, payroll stuffers, commu-nications flyers and e-mails.

Customized to fit your needs

Data Analysis

The Seven Cs

Custom Communication to Your Employees

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Choose health initiatives

Create a wellness team

Create supportive environment

Collect data

Consistently evaluate outcomes

Craft an operating plan

Our agency can deliver

resources that you need to

effectively create a healthy and

happy employee culture. Our

tools will help you create and

administer a wellness program

at your organization with

minimal investment of time and

money.



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Your Compliance Partner

There are countless rules and

regulations governing employee

benefit plans; many of which

are quite complex. Our expert

team will help meet your com-

pliance obligations because we

stay up-to-date on laws and

regulations that affect your

employee benefit program.



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Legislative Briefs

Legislative Guides

Community Support

We have easy-to-read articles designed to summa-

rize recent federal legislative developments in

insurance and employee benefits.

Gain access to a Client Portal where you will find

answers to your common COBRA, FMLA, HIPAA,

HIPAA Privacy, Medicare Part D and Section 125

questions. You will also find the forms that you need to

meet your everyday compliance needs.

Got a compliance-related question? Join a commu-

nity of some of your knowledgeable colleagues from

all over the country. Post your questions and share

resources and information via the community's

interactive forum.

Confidential Compliance Reviews

Meet with an expert and understand requirements,

risks, and consequences. Develop plans to corrected

courses of action and ensure follow up for success.

K I N G C O M M U N I C A T I O N

B E N E F I T S

For your em

ployees

For your em

ployees

MY INFORMATION

Empower employees to manage personal

information including the ability to:

Add, review, or update personal information

Manage time-off requests and view a summary

by type, such as vacation, personal or sick day

Update life event changes such as beneficiary,

dependent or marital status formation

Manage and review benefit elections

View both current and future personal elections

throughout the year

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BENEFIT PLANS

Bundles everything employees want to know about their

benefit plans in one secure location. Benefits are listed by

type such as medical, dental, vision, etc. Within each plan

type, employees can obtain detailed plan information and

benefit summary information including the ability to:

View plan design information including rates and

eligibility

Access Summary Plan Descriptions

Compare plan benefits

Obtain plan forms

View carrier contact information

Access Frequently Asked Questions

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HUMAN RESOURCES

Helps you eliminate the need for distributing bulky

and costly company materials and provide online

access to career information to employees including:

Handbooks

Forms

Directories

Policies and procedures

Career growth, job posting and training

information

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Welcome to Secure,



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Convenient Communication.

ELECTION REPORTS EMPLOYEE REPORTS

Benefit Comparison Report

Carrier Extract Report

Census Report

Election Changes Report

Elections Summary

Flexible Spending Report

Payroll Extract Report

Personal Instruction Sheet

Plan Design Report

Premium Report

Projected 401(k) Premium Report

Employee Changes

Employee Username

Employee Vacation Requests

Employee Vacation Totals

- Use this report to

compare employee elections at two points in time

- Extract election information

for submission to carriers

- Create an employee census for any

line of coverage

- Extract employee,

dependent and plan information for employees whose

elections changed due to life events, open enrollment or

terminations

- Create an election summary for

an individual or all employees (available to employees in

the benefit plans section of the portal)

- Extract annual and per

pay period FSA contributions by employee

- Pull payroll information

- Generate a

personal instruction sheet for employees

to use during open enrollment and for

employees who do not have access to

the internet to make their elections

- Provides

detailed information, including rates

and benefits, on any of the plan

offerings

- Reconcile a

carrier's monthly billing

- Show projected employee 401(k)

contributions

- Monitor changes to information

- Useful for distributing portal

login information

- Extract request

details

- Create a new upload for a

subsequent time period

REPORTING OVERVIEW

By capturing employee and plan information, administrators have the ability to create the following standard

reports quickly and easily in a variety of formats.



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CUSTOM PORTAL DESIGN

CAPABILITES

Unsurpassed custom design options include the

ability to:

Select portal design layouts

Choose from standard color schemes or

easily customize your own

Control images including company logo,

name and stock photos

Offer different information for different groups

of employees

Create your own sub-menu items such as a

job descriptions page, custom messages

page, etc.

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COMPANY INFORMATION

Educate and assist employees on company-

specific information including:

Employee directory

Departmental contacts

Holiday and event listing

Mission statement and vision

Company history

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WELCOME

Delivering targeted employee communications is

easy with a customizable home page that includes:

Home page welcome message and seasonal

announcements

Links to employer-recommended Web

resources

Scheduled employee communicat ion

campaigns

Quick view of upcoming time off and time

remaining, personalized to the user

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Welcome to King Communication Benefits



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ADMINISTRATION

From portal setup to uploading custom content to

reporting, King Benefits offers administrators the

ability to:

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Select portal's look, feel and functionality witha full range of customization options

Upload employee data including dependentinformation, addresses, phone numbers,emergency contacts, job titles and customfields from a spreadsheet

Add, edit or delete benefit plan data

Administer life events including opening upenrollment periods for life event changes or fornew hires, creating a mass life event for newhires and sending benefit election reminders

Manage all aspects of vacation trackingincluding the ability to do accruals

Publish portal content according to type suchas bulletin board posting, policy, handbook,welcome page message, etc.

Generate reports and manage data imports

Update and maintain broker accessinformation

Access online, self-serve Help for all“How do I...?” questions



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W H A T C A N Y O U

E X P E C T

O N P R O P O S A L S ?

For the Decision Maker

For the Decision Maker

Today's planinformationsummary

A comparableplan with a

shopped priceimprovement

Affe

s

Hold Out-of-Pocket Maximumsto defined limits

Hold officevisit co-pays

low

ect of adding anHSA optionto increase

avings further

Comparison ofa full networkoption with a

savings opportunity

Comparison of alimited network

option that maximizessavings while

preserving all benefits

Comparison of afull network plan

with an HSAoption added in

to increase savings.

Relevant Benefits for Less

Keepingco-pays low

Increase ifrenewal is

not negotiated

A side by sidecomparison ofoptions withfull network

access to doctors

This spreadsheet illustrates a proposal for a midsizedgroup. King Benefits brings necessary and relevantinformation in a side by side format to save time andoptimize decision making.

OfferingExclusive Plans

with Carriers

Comparingthe best

negotiated rate

Combining bestpriced plans

with employeefavored plans

Negligiblechanges

in benefits,with sizable

savingsin premiums

The Most Sophisticated Health Benefits Negotiators

($ 173,792.52) ($ 89,289.84)

T H E N E X T S T E P

HOW DO WE MEASURE UP?

William J. King & Associates Insurance Services, Inc.:

Providing Innovative Services for Innovative Companies

Content © 2006-2009 Zywave, Inc. All rights reserved. The information contained herein, including its attachments, contains proprietary and confidential information.

Any distribution of these materials to third parties is strictly prohibited. Decision Master® Warehouse and HRconnection® are registered trademarks of Zywave, Inc.



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We provide access to virtually all insurance and administration markets.Insurance Market

Access

National AffiliationsIn addition to our own talented professionals and specialized value-added services, we have a wealth of

resources available to us through several national affiliations.

Strategic PlanningWe will develop a customized strategic plan for you that defines objectives and outlines the actions needed to

fulfill those objectives. Our services ensure an organized, complete approach to fulfilling your benefits needs.

Five-Star Service

We pride ourselves on the level of knowledge and service we bring to our clients. All of our clients are assigned

a team of specialists dedicated to serving their needs. Each client accesses our team through a single point of

contact, making working with us seamless and easy.

Experience We have proven dedication and a commitment to excellence in our service to the business community.

TechnologyWe use leading-edge technology to provide our customers with the latest data analysis, as well as legislative,

communication, and human resources administration tools.

Legislative BriefsOur exclusive Legislative Brief publication summarizes recent federal legislative developments in insurance and

employee benefits.

Client PortalAll of our clients receive access to a personalized Web site. The site is devoted to helping you with plan

administration, legislative compliance, employee communication and more!

Legislative GuidesIncluded with your client portal, our Legislative Guides provide comprehensive information about federal

legislation such as COBRA, HIPAA, HIPAA Privacy, ARRA, FMLA, Section 125 and Medicare Part D.

Custom

Communication

We can assist you with all phases of employee communication, from employee meetings to payroll stuffers and

informative brochures about employee benefits and wellness.

Human Resources

Tools

King Benefits is available to you. Our client intranet tool is a complete employee communication system that

helps you increase productivity, streamline processes, improve communication and save money for your

Human Resources department.

Voluntary BenefitsWe have experienced and highly knowledgeable consultants who can help you with this growing and important

area of employee benefits.

Client Portal

Community

When partnering with us, you gain access to professionals from all over the country through the Community

section of your client portal. An answer to a problem you have is just an e-mail away. As an example, one client

writes, “We just recently implemented a premium-only cafeteria plan. Can anyone tell me how this will report on

the W-2s?” This question was answered quickly, saving time and resources.

Service Description

Check here if

your current

broker offers

this service

Company Letterhead

Date:

This letter acts as notification that as of today’s date, we have appointed William J. King & Associates as our

exclusive insurance broker.

Please address future policy notices and service issues to:

5120 Avenida Encinas

Carlsbad, California 92008-4384

Phone: 760/438-8850 Fax: 760/438-9055

This appointment rescinds all previous appointments and the authority contained herein shall remain in force until

cancelled in writing.

William J. King & Associates is authorized to negotiate with respect to any changes regarding our insurance

policies. Please furnish William J. King & Associates with any information they request pertaining to our plan.

Policies affected are:

RE: Broker of Record Appointment

William J. King & Associates Insurance Services, Inc

To Whom It May Concern

Carrier Policy Number

Sincerely,

(name)

(title) 31


I N S U R A N C E S E R V I C E S , I N C .where knowledge, creativity and service add more to your benefits

5120 Avenida Encinas

Suite 100

Carlsbad, CA 92008

(800) 442-KING (5464)

(760) 438-8850

(760) 438-9055 (fax)

www.kingbenefits.com

King Benefits Proposal

Documents

Transcript of King Benefits Proposal