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WE ARE BENEFITOLOGISTS

Table of Contents

Analytics ................................................................................................................................3

Compliance ...........................................................................................................................4

Benefits Strategy ..................................................................................................................5

Employee Engagement ........................................................................................................6

Health & Productivity ...........................................................................................................7

Voluntary Benefits ................................................................................................................8

Global Workforce ..................................................................................................................9

Life & Disability / Absence Management ...........................................................................10

Retirement Services ............................................................................................................11

Introducing Alliant Employee BenefitsAlliant provides a full spectrum of risk management, employee benefits consulting, and insurance brokerage services to over 20,000 employers nationwide. With a history dating back to 1925, our core advisory services focus on matters related to risk management and employee benefits. We have locations nationwide with major offices in Newport Beach, New York, Philadelphia, Pittsburgh, Seattle, San Francisco, Atlanta, Spokane, and Houston.

Alliant is more than the sum of its parts. Our capabilities — combined with our proprietary programs and National Consulting Practice — give us the breadth and depth to address our clients’ unique requirements.

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We’ll bring you progressive market ideas with the financial validation to back them up. By providing you with accurate data and insights about your benefit

plans values, claims, and utilization, you’ll feel confident about making the right decisions for your employees.

By leveraging industry-leading, client specific reporting, we can show you alternative plan and contribution designs. We’ll even make recommendations about how to engage your employees based on how they spend their healthcare dollars and what they spend them on.

Our actuaries and underwriters use sophisticated analytical tools like Deerwalk and Verisk to help you find the soft spots in a benefit programs and create easy to understand reporting. In addition, you will have analytically-minded consultants on your team who know what in-depth questions to ask you — and are in tune with what’s culturally appropriate for your company.

Here are just some of the ways we use ANALYTICS to help you reach your goals:

• Population health snapshot

• Health & Productivity program evaluation

• Benefit design cost-effectiveness

• Decision analytics and reporting

• Claims and utilization patterns

• Reserves, funding structures, and feasibility studies

• Risk forecasting and management

• Trend and volatility analysis

• Metrics to evaluate long-term ROI

• Incentives designs

ANALYTICS

Our team looks beyond the numbers

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You don’t know what you don’t know Our Compliance department is an essential resource in the era of increased regulatory burden and enforcement.

The compliance team works closely with the employee benefits service teams to understand your plan design and population, business objectives, culture,

and risk tolerance, which facilitates proactive and practical compliance support. We are a dedicated team of experienced attorneys and compliance specialists who protect you where you are most vulnerable. Always on top of the issues of the day, we answer the questions you don’t even know to ask.

The Alliant Distinction: Alliant’s Compliance department fills the knowledge gap by being proactive and client-integrated. We’ve created tools that not only educate, but also help create practical solutions specific to your unique business operations and culture. Knowing the rules is merely half the battle; how those rules impact your employees, plans, and operations is the difference that is the Alliant distinction.

Proactive Education

• Quarterly Webinars — count for CLE credits

• Alerts — as guidance is released

• In-person seminars at six main offices

• Alliant Insights — in-depth reviews on specific topics that impact plans

Initial Intake — DOL Audit Protection

New client plans are assessed for compliance with our easy to use Alliant Compliance Checklist. We identify any areas of concern and facilitate swift and thorough solutions, with a mind on DOL audit protection. Focus includes, but is not limited to:

• ERISA Compliant and consistent 5500 filings and plan documents

• HIPAA Privacy and Security One-stop infrastructure for self-funded plans

• Wellness programs HIPAA, ACA, and ADA mandate review

• Annual Notices and Other Employee/Participant Communications

Robust Affordable Care Act Review

Alliant’s Healthcare Reform Review tool inputs plan specific data and evaluates your plan against all ACA mandates.

ACA Penalty Prevention Tool

Pay or Play: Employer/Employee Determinations

ACA Employer Reporting Detailed employer reporting guide contains sample forms and vendor support.

Cadillac Tax Our Cadillac Tax Modeler determines if and when your plan will hit thresholds and models different solutions to avoid the tax.

Daily Q&A Support

We provide dedicated, regional support so that we become familiar with your unique plan and employee population.

COMPLIANCE

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To us, creating a Benefits Strategy means looking beyond traditional benefits and partnering with you to offer benefits packages that meet the needs of your

diverse workforce, keep you competitive, and protect your bottom line.

With every single client, we listen more than talk. We’ll learn what is important to you and your company, discover where true challenges reside, and then tailor a multi-year strategy that is in-line with your overall corporate strategy.

Part of our strategic role is often to develop and set a plan in motion that ties systems, data, and communications together, so your company can ultimately be much more effective in controlling costs.

If your benefits program strategy is on target, it will deliver the right results. A well-designed total rewards strategy will attract and retain talent and incentivize and inform employees on how to best use the program. This drives value for all stakeholders, reducing unnecessary claims spend, and improving employee health and productivity.

We’ll continually review your strategy to make sure your desired outcomes are on target, and help you make the adjustments required in today’s constantly changing business landscape.

Be sure to ask us about some of our specialties:

• Employee Engagement & Communication

• Legislative Compliance

• Analytics

• Health & Productivity

• Pharmacy Program

• Absence Management — Life and Disability

• Alliant Insurance Exchange

• Benefits Administration

• Global Workforce

• Retirement Services

BENEFITS STRATEGY

We bring you more control in this complex world of benefits

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Rethink your employee engagement strategyThe right communication at the right time through the right medium is key. Online, print, smartphone, and good old-fashioned talking — we’ve got it covered.

Your benefit advisor will help you establish key messages and employee groups that need the most focus during and after open enrollment. For open enrollment, we will give you materials that have a strong track record of accurately guiding employees during this critical decision making time.

ONGOING ENGAGEMENT THROUGH BEN-IQ™Ben-IQ is our free mobile app for iPhone and Android. It lets you communicate benefits information directly to your employees and their covered dependents. Ben-IQ gives employees access to plan summaries, key contacts, plan ID cards, and cost of care information.

The cost of care information is especially important. As employees become more involved consumers of healthcare, this cost transparency tool helps them research fair pricing for their care.

Wellness plan incentives are also integrated in Ben-IQ. Pretty slick, eh? You can see why we like to call Ben-IQ “Benefits at the speed of life.”

BENEFITS COMMUNICATIONAn engaging, thoughtful communications strategy ensures that your employees understand the value of their benefits, how to use them in the most effective way, and their responsibility for using their benefits to maximize good health.

The Alliant benefits communication group is comprised of professionals who are experts at designing and executing organizational communication strategies that simplify benefit programs and convey their value. We provide comprehensive communication services, including communication audits/reviews, and creating compelling new campaigns. We develop materials that capture your organization’s culture, employee population characteristics, and the message you want to convey — all wrapped in your own brand. And we ensure that messages are delivered according to a strategic timeline, through a variety of print and digital media.

EMPLOYEE ENGAGEMENT

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Wellness works when it’s built on a solid foundation

We start your program by laying down its foundation with data analytics, looking at the health of your whole population, not just bits and pieces. We then create a

profile of your population explaining where its health is.

This data serves as your starting point and the benchmark from which to measure program results year-over-year. From there, we recommend what to do about it. You can expect your Health & Productivity team to:

• Analyze systems, processes, and tools already in place

• Break down silos and create alignments

• Communicate with your employees so that they take action

• Measure results, reassess, and adjust to focus on the long term.

Our highly experienced team of clinicians and wellness consultants will help you design, implement, and measure ongoing results for your Health & Productivity program. Employees will be engaged through tailored communication strategies and incentive programs that help them make informed care decisions and healthy lifestyle choices.

If you want to sustain the health and wellness journey, you need to be able to prove its value. Our clients with a long-term program like this in place have claims costs that outperform trends and report positive cultural shifts. It just makes good business sense to let Alliant create a custom program that can boost the health and security of you and your employees.

We build our Health & Productivity programs from the inside out. No matter your company’s shape or size, your program will be customized based on your strategy, culture, and systems… all those things that are unique to you.

HEALTH & PRODUCTIVITY

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Voluntary Benefits that play well with others

Our goal with Voluntary Benefits is to make them a self-sufficient offering that is highly valued by both your company and your employees. So when we

recommend a Voluntary Benefits program to you, it will be done as part of an overall benefits strategy. It will also take into account the different generational expectations within your workforce. Our ideas will be set in the context of a five-year strategic plan to maximize services received, carrier commitments, and price stability.

Our approach will align and build upon your current operating and administrative system capabilities. We can’t stress enough how important it is that your Voluntary Benefits work with your existing systems, processes, and culture. If they don’t, they can actually be damaging to your overall benefit offering.

Once we understand which data silos need to come together, we will focus on how to effectively manage data delivery and exchange, as well as open enrollment processes and experience. We will evaluate potential carriers’ operational platforms for quality and fit. Further consideration will be given to the carriers’ abilities to integrate with current vendors, systems, and other third party providers you use.

Our team will also manage the implementation and ongoing performance of vendors that you’ve chosen for your Voluntary Benefits program.

Here are just some of the VOLUNTARY BENEFITS we give you access to:

• Accident Insurance

• Auto and Home

• Critical Illness

• Employee Assistance Program (EAP)

• Financial Counseling

• Hospital Indemnity

• Identity Theft

• Long-term Care

• Permanent Life Insurance

• Pet Insurance

• Pre-paid Legal

• Wellness Programs

VOLUNTARY BENEFITS

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A single point of contact for your global benefits

Our Global Workforce practice was created to take on anything — simple or complex, large or small, expat, international, local national — we do it. Offering

strategy when you need it, or highlighting gaps that may surprise you, your global consultant will deliver high-level thinking and guide day-to-day execution so you can focus on the big picture. It doesn’t matter if you have five people in three countries, or 30 offices around the world, you call one person and the work gets done.

The global network of insurance carriers you’ll have access to is delivered through Asinta. They foster an alliance of over 70 of the finest local employee benefit consultancies around the globe. Not just any insurance company gets to be part of the Asinta alliance.

• Corporate Strategy — Our advisors guide the way through entries into new countries, advising on local benefits standards and costs, identifying key risks and providing risk management solutions, assisting with due diligence in mergers and acquisitions.

• Global Benefit Management — Full global benefit audit and data management services allow you to see all your benefits in detail, managing costs, and storing data in a single, secure environment.

• Global Consulting — Benefit strategy and review services help ensure worldwide compliance and efficiency. Other competencies include healthcare and well-being, actuarial services, employee benefit captives, as well as pooling of insured employee benefits and retirement assets.

• International Mobility — Full consulting and implementation services for medical, retirement, and other benefits for internationally mobile employees.

• Investments — Full-service, strategic investment counsel and actuarial advice, as well as fiduciary management, risk management, and discretionary portfolio management services.

GLOBAL WORKFORCE

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LIFE AND DISABILITY / ABSENCE MANAGEMENT

The status quo will not work An aging workforce and a fraying social safety net are the two reasons why Life and Disability programs are becoming more expensive for employers, and more important to employees. We have a solution. With both cost savings and little to no disruption to your operations, we can make life and disability benefits into one of the most rewarding investments you can make for the financial well-being and satisfaction of your employees. We’ll review every aspect of your benefits strategy including plan design, funding structure, carrier selection, contract arrangements, and pricing levels. Then we’ll recommend short- and long-term savings, and enhancements to bring more value to these benefit offerings.

This is how we get results:

• Underwriting Review and Market Assessment

• Ongoing Claims Review and Forecasting

• Vendor Engagement

• Benchmarking

Our focus on these programs, our resulting scale, ability to innovate, and expertise, result in our services being a competitive advantage for your organization.

Also, disability utilization can provide a unique window into other avenues for medical cost savings through our Absence Management programs and services. So ask your Alliant consultant about Absence Management.

Absence impacts organizations in lots of ways

Loss of productivity, increased compliance risk, higher medical costs, reduced revenue, and bigger operating costs — none of these impacts

are positive. And all of these impacts occur to varying degrees when employees are absent from work. Our absence management and data analytics professionals work with employers in assessing current practices, identifying opportunities, and quantifying results. What occurs after that is the important part. Employers achieve sustainable improvements in the area of those scarcest and most precious of resources (the human kind).

What we understand is how employers should manage disability programs, statutory leaves, and other forms of employee absence. We know the connections between disability incidence and medical costs. We know the vendor marketplace, what capabilities exist, and how to access them. We can help and we will. We’re ready to talk, so give us a call.

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RETIREMENT

Fiduciary responsibility rules for retirement plans are often vague and complicated

It’s important to understand that if you serve on your retirement plan’s governing committee, you could be personally liable for the decisions being made about

the plan. Currently there are over 20 lawsuits brought — against employers large and small — claiming they didn’t follow the rules properly. It’s hard for someone who does not live this aspect of the business every day to know if they are following all of these process-based rules correctly.

Ultimately, our goal at Alliant is to partner with our clients, help them design and implement retirement programs that help you address your fiduciary responsibility, and manage risks toward ensuring plan participants are able to retire confidently and on their own terms.

Our expertise extends to Mergers & Acquisitions support, fee analysis and review, and operational evaluation to help identify areas of potential risk.

Only after we have carefully evaluated your retirement plan needs and goals — and thoroughly discussed them with you — do we help you establish a customized strategy to pursue your objectives. Then we help you identify the appropriate services and vendors needed to implement this strategy. Throughout this process, you can always count on us to provide responsive, superior customer service.

Founded in 2002, our Retirement practice is currently servicing about 100 plans with $4 billion in assets under advisement as of December 2015. Our plans range in size between $1 million and $800 million in assets.

For specific details about Retirement Services, visit us at: alliantretirementservices.com

For Plan Sponsor Use Only — Not for Use with Participants or the General Public. This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.

Securities offered through LPL Financial Member FINRA/SIPC. Alliant Retirement Services, LLC is registered with the Securities and Exchange Commission to provide investment advisory services. Alliant Retirement Services, LLC is not affiliated with LPL Financial. Advisor is a separate entity from LPL Financial. Alliant Retirement Services is a division of Alliant Insurance Services, Inc. © 2016 All rights reserved.

LIFE AND DISABILITY / ABSENCE MANAGEMENT

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Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861. © 2016 Alliant Insurance Services, Inc. All rights reserved.