The Competitive Advantage Companies Final Book

“Take Advantage Of Our Competitive Insurance Rates, And Our Dedication To Customer Service”

440 Route 34, Colts Neck NJ 07722

THE COMPETITIVE ADVANTAGE COMPANIES

© 2015 The Competitive Advantage Companies. All Rights Reserved.


Christian Peter

President

Biography

Christian Peter – The oldest of four children was raised in his home town of Middletown New Jersey. His father came to

the United States at the age of twenty-three from Germany, where he had worked in the culinary arts profession. This led

to the ownership of Fromagerie; a landmark restaurant in Rumson New Jersey ran by the family for thirty- five years.

Christian observed that through hard work and dedication success can be achieved, even from the most humble of

beginnings. During Christian’s Childhood he was taught the value of hard work and integrity, which showed

throughout his athletic career, even from it’s earliest of years. Christian attended Middletown South High School, where

he got his start playing football. It wasn’t long before he was awarded a Full Athletic Scholarship to the University of

Nebraska.

While pursuing his dream and goals of being a professional athlete, Christian studied Human Development at the

University of Nebraska. During the time Christian played for his college team, they won Two out of Three National

Championships (1994 &1995). The University of Nebraska’s 1995 Football Team was Ranked the Best College Team of

ALL TIME, in which Christian Peter participated as Team Captain! In 1996 all of Christian’s hard work and dedication

paid off. He was signed to the New York Giants, where his long NFL career got its start. Through his NFL Career he

went on to play with the Indianapolis Colts, followed by the Chicago Bears, where he retired from in 2004. While playing

football he learned about team work, commitment and what it means to be a successful leader.

When Christian retired from the NFL in 2004, he went on to pursue a career in the Insurance Industry at the

recommendation of close friends. He received his Broker’s License a year later. The attention to detail and dedication to

service he acquired in both football and the restaurant business, attributed to his Success in the Insurance Industries.

Today Christian finds gratification in helping Clients navigate through the confusing world of Insurance - Employee

Benefits, Life & Annuities and Property & Causality. Christian now operates The Competitive Advantage Companies

LLC, as President, in Colts Neck New Jersey. He resides with his beautiful wife and three precious children in his home

State of New Jersey.





The Competitive Advantage Companies Christian Peter

President

The Competitive Advantage Companies Robert Sokoloff, CPA Chief Financial Officer

The Competitive Advantage Companies Michael Bell

Director Of Business Development

Competitive Advantage Benefits Richard Murray

President

Competitive Advantage Benefits Robert Murphy Vice President

Competiitive Advantage Benefits Nancy R. Sedlak

Senior Benefits Consultant

Competitive Advantage Benefits Lori M. Sedlak

Benefits Consultant

Competitive Advantage Benefits Mascha Puck

Account Executive

Competitive Advantage Benefits Cheryl Dickscheid

Senior Market Specialist

Competitive Advantage Benefits Colleen Cullen Visconti

Individual Health Care Specialist

Competitive Advantage Benefits Andrew Guarini

Senior Ancillary Line Specialist

Competitive Advantage Benefits Christa Calvert

Ancillary Line Specialist

Competitive Advantage Benefits Team

Customer Support

Competitive Advantage Property and Casualty Greg Kwasnicki

President

Competitive Advantage Life and Annuity Anthony Mento, CFP

President





About The Competitive Advantage Companies

The Competitive Advantages Companies, LLC are full-service insurance brokers focused on finding

robust employee benefit and commercial insurance plans that meet your company’s unique needs. Our

skilled insurance agents draw on experience and insight to explore plans that meet your criteria and fit

your budget. We work with a broad range of insurers in New Jersey, New York and throughout the

United States, so we are confident we can find a comprehensive plan that works for your small, mid-

sized or large business.

“Business is all about relationships — the most critical of which is

the one between employer and employee. A key building block —

and opportunity — in that relationship can be the company’s

benefit package.” Christian Peter, President TCAC

Great Coverage, Bridging your Business To Success’

When an employer takes care of its employees, the

employees will take care of business! It’s about morale.

Show them respect and make them

happy with great benefits, and they’ll work harder and

make your business more Successful.





How We Work

The Competitive Advantage Companies are built on the combined experience of our staff. Our people apply their wisdom to your situation, helping you choose precisely the right plans and programs to suit your business or personal needs. We research plan options from local and national insurance carriers to ensure you have everything you need to make an informed decision for your company. Knowledgeable and Focused on Customer Service

With years of financial services experience, Competitive Advantage professionals are the insurance specialists for the 21st century — prepared to serve the needs of businesses, families and individuals. We foster relationships and seek to understand our clients’ needs so we can design, implement and service a variety of customizable employee benefits, life insurance and annuity products, and property & casualty insurance needs. Our specialists can help you, your family or your business develop an overall insurance and benefits strategy that provides the best coverage for the best value.

If you’ve got questions, our specialists have answers. Let us work with you to develop more than an insurance plan. Let’s develop a complete Insurance strategy’ Christian Peter, President TCAC

Here At The Competitive Advantage Companies, we work for you – Our Client!





The Competitive Advantage Companies Services The services provided by The Competitive Advantage Companies help businesses to bridge the gap

between them and their employees. Our specialists seek to understand a client’s needs and wishes, and

we provide solutions that help companies reach their employees on a new level to foster trust and

morale. We take the labor out of finding the right plan for your company. Instead, we gather benefits

and insurance packages that draw on the best plan options all accessible providers have to offer, and we

present those plans to you, in your language, and we make sure you understand the scope of your

options and the costs associated.

The Competitive Advantages Companies’ assistance falls into three main categories and includes all

of the following:

Benefits Property & Casualty Life & Annuities

• Medical • Dental Plans • Group Life • Vision Protection

• General Liability · • Commercial Auto • Builders Risk • Workers Comp.

• Life Insurance • Buy Sell Agreements • Annuities • Key Person Insurance





Competitive Advantage Benefits In these challenging times, providing quality group health plans can seem impossible as you try to

balance cost and coverage, and meet the needs of a diverse workforce. Competitive Advantage

Benefits, LLC can design multiple plan offerings and recommend employee contribution strategies

that meet your objectives. We are experienced in the implementation of plans on a fully insured basis

and a self-insured basis, and we will explain the advantages of each funding method.

Health Insurance Everyone needs medical coverage, and the easiest way for individuals to obtain it is through their

employers. And there is no better way for businesses to make employees feel welcome and supported

than through a complete health insurance policy.

Group Voluntary Benefits Many employers are offering optional benefits funded solely by employee contributions. This provides

employees access to supplemental coverage’s at group rates. Employers are able to expand their benefit

packages to better attract and retain quality employees, without increasing their cost. Popular programs

include Life, Accident, Disability, Dental, Long Term Care Insurance and Vision plans.

Section 125/COBRA Administration

We provide clients with the administration of their Section 125 POP (premium only plan). In addition,

we can also provide for the administration of your FSA, Dependent Care Assistance and COBRA at

reasonable rates.

Group Dental Insurance With the cost of quality dental work continuing to rise, many employees look for this coverage as part

of their employee benefits package. We represent a wide range of carriers and products such as

indemnity, PPO, EPO and DMO dental plan options.





Vision Plans

This often overlooked aspect of health care is not typically included in general health plans. This additional package is increasingly necessary for those in need of glasses, contacts, or preventative care, especially for those who work on computers and other technology.

Short-Term Disability

There are many options for NJ TDB (Temporary Disability Benefits) and NY DBL (Disability Benefits Law), as well as basic and enhanced STD (Short Term Disability) benefits.

Long-Term Disability

Disability can create a great financial hardship for employees, with very few affordable sources of protection other than group LTD. We can analyze factors such as waiting periods, benefit duration and coverage maximums, and coordinate coverage with STD.

Life and AD&D Insurance

Group Life Insurance provides the required basic coverage for a very high percentage of today’s workforce. Plans can be designed based on salary, job title or length of employment, at rates that are extremely competitive.

Employee Benefits Websites

Our clients can benefit from custom designed employee benefit websites that provide a central source of information for employees to access 24 hours a day, 7 days a week. Sites can include coverage summaries, employee costs, forms, provider directories and carrier links.

Your resource to get your employees covered!

Contact us to get started on creating or revising your employee benefits packages.

“Implementing the most suitable benefits plan becomes a good business strategy. For most businesses, that raises a question: how do you offer the best benefits while controlling the bottom line? That’s where Competitive Advantage Benefits comes in. We are benefits specialists who know that offering employees just the right combination of benefits at a reasonable cost can translate into a competitive advantage for your company when seeking to hire and retain the best people.” Rick Murray, President CAC





Competitive Advantage Property & Casualty

Preserve your company’s future with proper P&C protection’

Competitive Advantage Property & Casualty is a full-service independent agency offering

comprehensive coverage and risk management products to meet the needs of your business.

We offer all types of coverage packages for your business including:

• General Liability • Property • Commercial Auto • Contents • Builders Risk • Personal Insurance Needs

• Flood • Workers Compensation • Inland Marine • Cargo • Professional Liability • Liquor Liability

And Many More!

Advocating for your business for the long haul’

“We work for you by providing policy options only from reputable insurance companies that are strong

and financially sound. We internally shop many carriers to assure you are getting the most

comprehensive and competitive policy possible.” Greg Kwasnicki, President CAPC

“When circumstances change for your business, there’s nothing more comforting than knowing you have a plan in place. We can make it Happen.”





Competitive Advantage

Proactive Loss Control & Loss Prevention Evaluations Loss Control Consulting Services Help You Reduce Your Losses

Loss control consulting services start by identifying and evaluating risks, to life and property, through a Technical review of operations;

• Conduct comprehensive evaluations of safety and property; • Design practical risk control programs, tailored to safety and property protection needs; • Provide loss control consultation services for special or unusual risks; • Providing guidance to prevent a recurrence of a specific loss is key to our mutual success; • Property loss consulting services determine training needs and develop practical training programs; • Analyzing loss experience and proposing appropriate

management action reduces the risk of additional loss;

General | Loss Control Consulting Services • Risk assessment audits; • Risk control audits; • Facility surveys; • Regulation compliance; • Loss analysis; • Training programs; • Safety program development; • OSHA compliance consultations

Property | Loss Control Consulting Services • Special hazard evaluation; • Fire protection evaluation; • Law and code compliance; • Life safety evaluations; • Physical security analysis; • Emergency procedures programs;

We will provide our clients with a comprehensive plan to keep

you and your employees safe and in regulatory

compliance. We take the time to understand your organizational

structure and then we work with you to smoothly integrate our environmental health and safety consulting services into

your internal operations and Procedures.





Competitive Advantage

Proactive Loss Control & Loss Prevention Evaluations

Fleet Safety | Loss Control Consulting Services • Driver selection, training and motivational programs; • Accident investigation and analysis; • Driver review techniques; • Hazardous materials and material handling reviews; • Regulation compliance audits;

Construction | Loss Control Consulting Services • Fleet safety; • Job site evaluations; • Pre-construction surveys; • Customized training programs; • 10 hour and 30 hour OSHA Construction training courses;

• Customized | hands-on training courses;

Employee Safety | Loss Control Consulting Services • Employee hiring practices; • Employee training and orientation program audits; • Accident investigation; • Accident analysis; • Safety promotion; • Return-to-work programs; • Safety committee development and training to meet state certification requirements; • Ergonomic evaluations; • 10 hour and 30 hour OSHA General Industry training programs; • Customized | hands-on training courses;

• Industrial Hygiene Analysis and Surveys.

Proactive loss control & loss prevention

evaluations will likely lead to a reduction in

insurance costs. In fact, controlling losses at

the source remains the cost effective way to contain insurance

Costs!





Competitive Advantage Life & Annuity Providing for the long-term and well-being of your employees is a simple and cost-effective way to

show you care about them and their families. A sentiment every employee will appreciate. At The

Competitive Advantages Life & Annuity, LLC, we provide a variety of life insurance packages, for

your New Jersey and New York business.

Life Insurance Life insurance is a way to protect the finances and quality of life that your loved ones are accustomed to after you’re

gone. We offer our clients a choice of term or permanent life insurance policies. Term life insurance is less expensive because it covers a defined time period. Term coverage is sold in 10-, 20- or 30-year

increments. We can also find providers for follow-up term life insurance when your existing policy expires.

Permanent life insurance is designed to protect you through your lifetime. Permanent insurance is generally more costly

to purchase than term insurance, but the insurance premiums also accumulate cash value in addition to your death

benefit protection, so while it is more expensive up front your loved ones stand to collect a higher value when it really

matters.

Key Person Insurance is essential to your business when you depend on key executives. They are the visionaries,

innovators, and investors who make the whole endeavor possible. Without one or more of them, the business could

cease to exist. So what happens if the unthinkable happens? If an essential employee suffers an untimely disability or

death, your firm could be seriously and negatively impacted. If your partner suffers the worst without a succession plan

or proper insurance in place, you may find yourself partnered with your old partner’s spouse or children. Bills might not

get paid. Customers might be left hanging. If it’s you who suffers, how can you assure that your own family will be justly

compensated for your share of the business?

That’s where we can help. Key person insurance can play a vital role in your business’s long-term financial strategy.

Competitive Advantage has expertise in this area: we can analyze the nature and structure of your business to

determine suitable coverage for your needs. Our specialists can assist in establishing a business structure and buy-sell

agreements that assure continuity of the business for the surviving employees and their families.





Annuities

Let an advisor from Competitive Advantage show you how to use annuities as part of a diversified

financial plan. Annuities provide a simple and secure stream of income, no matter which way the stock

and bond market is moving. Similar to an insurance policy, you pay an insurance company a monthly

premium, which they’ll invest. Eventually, the insurance company will use the earnings to pay you

back. It’s up to you how much you pay into the annuity, how much you collect, and how long you’ll

receive payments. Let us explain how annuities can put your money to work for you and your

employees

“At Competitive Advantage Life & Annuity, LLC, we understand the intricacies of life insurance and can

provide guidance selecting a plan that suits your budget and situation, and that will help your family

when they need it most.”

Anthony Mento, President CALA





FAQ’S You’ve got questions, and our specialists have answers. If you don’t see your question below, please

reach out to us and ask. We are always happy to provide information to anyone with questions on

their employee benefits, life and annuity, and property and casualty insurance matters.

Q. How Much Will It Cost? Price depends on what you are looking for, how many employees you have, the kind of insurance you need and

the benefits you want. One thing we can say is that we will help you find the most cost-effective plans available to your

business, whether in New Jersey, New York or elsewhere in the United States. Q. How Do I Know If My Current Coverage Is Enough? Employee benefits and insurance are our business and our passion. It has taken years to amass the knowledge and insight

into these benefits plans. Our specialists’ trained eyes will be able to assess your needs and review your current plans to

let you know what is working, what can be reduced, and what can be improved. Just contact us to set up an initial

discussion.

Q. Will I Have To Get All Of My Policies Through Competitive Advantage? In your interactions with us, from your introductory call throughout the process, our specialists choose the plan options

that will work for your needs and your business as you have communicated. You are under no obligation to purchase our

plans. But it will make things easier for your company to go through one provider for all your plans, and it will be

simpler for your employees when they have questions.

Q. Can I Pick And Choose The Employee Benefits That I Want? Sure – our specialists listen to your needs and design plan packages to suit you. If you would like to see a range of

options, let us know and we can assemble a few packages for you based on your criteria. If you like some aspects of some

plans and some from another, we may be able to reform your plan package to accommodate your wishes. Q. Is Competitive Advantage Partnered with Or Aligned with Any Particular Insurers? No. When we evaluate a business’s needs and look for appropriate policies, we look at all insurers available to find the

most comprehensive or least expensive plans to suit your needs. If that’s a nationally recognized carrier or a small

insurer you may have overlooked, we’ll gather all of the best options that can work for you. If you don’t see your question listed here, please call our office or contact us online and we will be

happy to speak with you!




http://www.competitiveadvantage.guzauskas.com/contact-us/


http://www.competitiveadvantage.guzauskas.com/services/property-casualty/

http://www.competitiveadvantage.guzauskas.com/services/employee-benefits/

http://www.competitiveadvantage.guzauskas.com/about-us/our-team/



Clients Testimonials

We love to help businesses in our community, and we are thankful for their business. Please read

below to learn more about how our customers feel about working with Competitive Advantage

Companies, LLC.

-“Christian and Nancy’s service is always excellent; they are prompt and professional and very easy to work with and they

saved me a ton of money.” Kenny Schwartz Owner- World Auto Group

-“The Competitive Advantage Companies is an excellent agency to work with. I appreciate the “consulting” that they

provide in helping me to find the right policy for my company’s needs. They use many carriers to place my coverage and are

always there to help me with I have questions.” George Decker, Controller - Molly Pitcher & Oyster Point Hotels

-“I could never have figured out what my company needed to look for, or be able to understand and compare health

insurance options on my own! Rick and his team saved me from the misery and confusion of health insurance shopping,

because they know the business so well that the information flows in a manner that I am able to understand. We have

many different levels of health insurance risk that need to be covered. Not only do we have employees in NJ, but we also

have employees working in other states. We needed multiple plans to be implemented that were cost-effective.” Evaristo

Stanziel, Partner – SCS Commodities

“Again, my thanks for you all the energy and support you gave me throughout this entire stressful process. You can be

assured that I will tell everyone I know about my very pleasurable experience. Others also deserve to experience your level of

service.” Glen Goldbaum, Owner - Glen Goldbaum 72

“Greg has been handling all of our insurance needs since we started Tribeca Automotive, Inc. Starting with only four

trucks and growing to one hundred and fifty plus today, Greg has always found us the right coverage at the most

competitive pricing. Competitive Advantage property & Casualty has played an enormous part in the growth of our

business, leading us to where we are today!” Leo Munoz, President – Tribeca Automotive

“I have done business with Greg and his team for twenty years. Their attention to detail and customer service is second to

none in the Insurance Industry. I would strongly recommend anyone not with The Competitive Advantage Companies to

make the change immediately...” Billy Rempher – President – DeFalco’s Automotive & Towing





Competitive Advantage Companies Satisfied Clients




The Competitive Advantage Companies Final Book

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