Meet AlphaStaff – The Company

• Over a decade of growth & success supporting our clients

• One of the nation’s largest PEOs

• Serve broad range of client companies (10-5000 employees)

• Experienced Senior Leadership team• Privately-held by Accretive - innovators in outsourcing

& healthcare

LEADERSHIP & INNOVATION

• Broker- friendly -- long-term commitment to broker distribution model

• First in industry to introduce a solution for large employers

QUALITY

• A- Rated Carriers• SAS 70 Type II certification• ESAC Accredited (like the FDIC and SIPC)

• Six Sigma Methodology• HR Account Managers- 100% certified

CAPABILITY

• Unique Delivery Model• Industry Leading Partnerships• Trusted Provider to #1 and #2

Banks in the U.S.

Source: National Association of Insurance & Financial Advisors; EEOC

BrokerCommissions

• Health insurance costs & administration: A growing burden on employers and employees

• 100,000 employment related claims filed in 2010 vs. 93,000 in 2009

• 20% of agents plan to stop selling health insurance in the future

Client Costs&

Compliance Risks

More time & effort will be required to maintain

your clients’ compliance, reduce their risks, AND

manage impacts on your commissions

Differentiate, grow and protect your business.

Create a healthy new revenue stream through AlphaStaff's attractive Broker Commission Program.

Protect yourself and your clients with our Broker of Record (BOR) policy.

Stand out from your competition by having a more robust portfolio of offerings and services.

Watch your business grow as you utilize AlphaStaffbroker tools and support systems.

Rest easy knowing you have an industry-leading business partner and an experienced team of sales professionals dedicated to your success.

WE ARE THE BROKER’S PEOWe are proud to be known as the Broker’s PEO and as such, we have established a number of principles that guide ourphilosophy:

ALPHASTAFF WILL NOT COMPETE WITH ITS CONTRACTED AGENTS.

ALL ALPHASTAFF COMMISSIONS ARE 100% VESTED.

ALL ALPHASTAFF COMMISSION RATES ARE GUARANTEED FOR THE LIFE OF THE ALPHASTAFF CLIENT.*

ALPHASTAFF WILL NOT DISCLOSE AGENCY COMMISSION RATES TO ALPHASTAFF CLIENTS.

STRONG BROKER OF RECORD (BOR) POLICYCompetition between the contracted insurance agents is governed by AlphaStaff’s Broker of Record (BOR) policy.

ONCE ALPHASTAFF HAS RECOGNIZED A REFERRAL AGENT FOR COMMISSION PURPOSES WITH AN ACCOUNT IT WILL NOT CHANGE THE “REFERRAL AGENT” DESIGNATION TO ANOTHER AGENT.

ALPHASTAFF DOES NOT ACCEPT BOR LETTERS FROM COMPETING AGENTS ON ACCOUNTS WHERE IT HAS DESIGNATED THE REFERRAL AGENT.

THE ORIGINAL REFERRAL AGENT ON THE ACCOUNT WILL CONTINUE TO RECEIVE COMMISSIONS FOR AS LONG AS THE ACCOUNT REMAINS WITH ALPHASTAFF.*

*Subject to the terms and conditions as set forth in AlphaStaff’s Master Referral Agent Agreement.

Broker

Partners

Our Clients AlphaStaff

Experienced, knowledgeable Sales team

• Industry Licensed

• AlphaStaff trained and certified

• A consultative approach to the client• Broker friendly – NO TRESPASS• Solutions-focused• Single source provider- dedicated team

The AlphaStaff Team and Brokers Working Together to…

10

State of the Business/Workforce

Growth Strategy

Workforce Recruitment

Workforce Retention

Risk Management

/Workforce Maintenance

Workforce Separation

EEOC Issues?

Currently outsourcing

payroll?

Downsizing or growing quickly?

High turnover?

Existing Onboarding

process?

Full/part timeHR administration?

Workers’ CompClaim issues?

Payroll and Tax Service Time and Attendance

Pay Cards

Employee Self Service

Reporting and Analytics

Human Resources Legal & HR Compliance Support

Tactical & Strategic Expertise

Claim & Investigation Support

Unemployment Claims Administration

Risk Management Loss Control

Employer Protection Liability Ins.

Training

Benefits & Benefits Administration

Health Insurance

Carrier Integration

Open Enrollment

COBRA & Section 125 Administration

401K Retirement Plan

Comprehensive people solutions, consolidation of vendors, domain expertise, scalable

My broker and AlphaStaff helped me:

Take work off my desk

Reduce/minimize cost

Manage employees

Stay compliant

Balance coverage with risk

A rated carriers, world class service, technology & strategic partners - providing customized solutions

New corporate website

Two components:

1. Existing Business Renewal – Renewing September 1, 2011

• New benefits master plan and new rates

• Re-tiering -- more appropriately spread risks

2. New Business Medical Rates – Effective July 1, 2011

• 14 month rates

• New underwriting process

• New plans

Aetna Reengaged, Rebuilt RelationshipAttractive new business and renewal rates

RenewalsIn line with market Overall increase - all plans:• HMO: 2%• Traditional:7.2%

New Business PlansCompetitive -- In-line with market• Average Decrease from 7-30% vs. current rates for similar plans

(varies by plan)

Supplemental Renewals (Vision, Dental, Life & Disability)

In- line with market• Dental – ~4% avg. increase• Vision – :7-11% avg. increase• Life and Disability – 12-28% decreases (STD, LTD)

•

•

We enhance attractiveness to our broker network and increase their profitability.

Roles and Responsibilities

1. Manage all the Licensing and Contracting, known as

the “Legal Entity” ..

2. Assist in the Product Selection, Benefit Design and

Underwriting Guidelines specific to Benefits; known

as the “Product Matter Experts”.

3. Supervise all commission pass down to our referring

broker network specific to benefits.

4. Collaborate with the broker network.