YOUR CHALLENGES. OUR SOLUTIONS.DISCOVER THE BENEFITS OF SLEEPTIGHT SERVICESM

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From health care to retirement, absence management to HR services, Mercer delivers benefits with SleepTight ServiceSM

LET MERCER HELP YOU REST EASY.Our comprehensive administrative solutions combine unparalleled expertise, flexibility and proactivity to give you peace of mind that the day-to-day management of your benefits operations will run smoothly and efficiently and the confidence that you’ve chosen the right firm to partner with for you, your organization and your employees.

ARE YOUR HR CHALLENGES KEEPING YOU UP AT NIGHT?

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Whether you’re looking for a defined contribution, defined benefit, health and benefits or absence management administrative solution – or any combination of these – when you partner with Mercer, you can look forward to creative, diverse solutions that meet your unique business challenges today and anticipate the ones you’ll need help with tomorrow.

IN-DEPTH EXPERTISE

Mercer is a leading global provider of consulting, outsourcing and investment services. Our outsourcing employees – experts in employee benefits and administration – support clients and participants around the world on a daily basis. They also work closely with their colleagues in our consulting business to provide complete solutions that cover the full spectrum of benefits plan design and delivery.

SUPERIOR SERVICE

Our client-centric, results-driven culture of accountability enables us to provide you and your employees with predictable, high-quality service, while our comprehensive administration service platform and technology structure bring you system efficiencies and cost savings.

LONG-TERM SOLUTIONS

We focus on, and invest in, scaleable and innovative technology and constantly refine our processes to effectively solve your toughest benefit challenges – both today and tomorrow.

GLOBAL REACH

Our global benefits expertise and commitment to cross-market collaboration are complemented by regional experts who focus on country-specific cultural conventions, government requirements and benefit structures. The result is a service model that combines global scaleability with local delivery.

YOUR GLOBAL HR CHALLENGES

OUR CUSTOM GLOBAL SOLUTIONS

Lacking data for global workforce strategies

Global employee data management and reporting through a global HR portal

Multiple vendor management Single global point of contact

Complex benefit programs and changing legislation that vary by country

Global compliance monitoring by country and region to reduce risk

HR coverage for small but growing locations

Employee self-service through online HR portals, regional contact centers and local expertise

By outsourcing the administration

of your regional benefits to a

single provider, you can spend

more time focusing on your global

benefits strategy.

WHY PARTNER WITH USHere at Mercer, we have unparalleled expertise in solving your most complex benefits administration challenges.

ONLINE

– Tailored for your company and benefits program

– Personalized with targeted messaging

– Easy to navigate

– Provides education and support tools

PRINT AND EMAIL

– Customized for your company and your benefits program

– Personalized with simple messaging and next steps

– Targeted to drive action

IN PERSON

– Targeted workshops

– One-on-one support

– Proactive, unbiased guidance

– Drives employees to make effective decisions

CONTACT CENTER

– Customer-service focused

– Acts as an extension of your HR team

– HIPAA certified

– Offers proactive, unbiased guidance

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ENGAGING AND EMPOWERING YOUR EMPLOYEESMercer’s Live | Work | Retire Well approach enables your employees to achieve total personal and financial wellbeing through an engagement strategy built on consumer research, guided by our expertise across all benefit domains and consistently deployed through all media types. Our targeted messaging, interactive tools and expert education team help your employees grow their confidence, become capable benefit consumers and understand that they are in control of their current and future health and financial wellbeing. This approach drives quantifiable results – both for individual employees and for your plan.

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TRANSITION MANAGEMENTOutsourcing is more than just transitioning to a new vendor – it’s an opportunity for you to transform your organization.

YOUR TRANSITION CHALLENGES

OUR TRANSITION MANAGEMENT SOLUTIONS

Integrating the new outsourcing solution into your organization

Identify current staff responsibilities and post-transition staffing requirements, develop new internal process flows and highlight integration points and define new roles and responsibilities for your team

Establishing an optimal internal infrastructure and project plan for the transition

Act as a liaison between you and your implementation team, identify your necessary internal resources and time requirements, seamlessly integrate implementation activities to alleviate the day-to-day impact on your staff and minimize implementation delays by identifying potential risks

Measuring the effectiveness of your outsourcing solution

Identify opportunities to further streamline staffing and resources, provide trend and ROI analysis and help you integrate the solution into your longer-term strategic delivery objectives

EMPLOYEE ENGAGEMENTNo matter the touchpoint – online, in print, in person or by phone – your employees have convenient access to information about all of their benefits. This integrated experience makes it even easier for your employees to take action and gain a true appreciation for the comprehensive benefits package you offer.

Total benefits portal Our total benefits website enables current and former employees to access and manage all their benefits with a single logon.

HR portal To centralize the delivery of HR content, our innovative “Belong” portal provides access to your total benefits website, advanced functionality and peer-to-peer interaction to drive frequent visits and greater engagement.

By partnering with a single provider, you can streamline your retirement and health care benefits administration, resulting in seamless service delivery for you and an enhanced experience for your employees. When you team with Mercer for a bundled Total Benefits Outsourcing (TBO) solution, you get:

•Our unique combination of HR and benefits consulting and administration expertise

•One integrated point of contact for all of your HR staff

•One total view of benefits to increase employee interaction and appreciation

TOTAL BENEFITS OUTSOURCINGProvide a total benefits package to your employees while also thinking of each individual benefit as part of a larger, strategic workforce-management tool.

HUMAN RESOURCES (HR) SERVICES

In today’s fast-paced, ever-changing business environment, you need HR systems and solutions that reduce your administrative burden and maintain alignment with your company’s structural and workforce transitions. Our technology and business support simplifies, standardizes and automates many time-consuming HR tasks to lower your costs and improve your employees’ satisfaction. Turn to Mercer when you’re facing:

HR administration challenges – For smaller companies, we offer a complete HR outsourcing solution with customized technology and expert support to manage your administrative needs effectively and cost-efficiently.

Corporate actions – When your business is undergoing significant change, our skilled contact center support can be rapidly deployed to handle employee inquiries, special programs management and other employee communication needs.

Mergers and acquisitions – Through our in-depth M&A experience, we can provide integration assistance, enrollment onboarding and benefits consolidation to see you through the complex benefits-related aspects of your merger or acquisition.

ONLINE PERSONAL FINANCIAL MANAGEMENT

When employees are worried about money, it can have a significant impact on their physical and financial wellbeing – and on your productivity. By partnering with Mercer to support your total benefits program, you can provide valuable financial management assistance through HelloWallet – a cost-effective, easy-to-use online planning tool that:

• Delivers highly personalized financial guidance

• Puts employees in control of their saving and spending

• Consolidates financial information for easier management

• Helps users create budgets, set savings goals and monitor debt

Mercer offers solutions and resources to help you navigate and maximize opportunities presented by an implementation. These services include:

• Business process redesign and organizational management

•Transition management and risk mitigation

•Program analysis and change management

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DEFINED CONTRIBUTION PLANS

Whether you’re focused on reducing costs, managing risk or increasing the effectiveness of your Defined Contribution (DC) plan, we have custom, independent solutions that support your needs and those of your participants. Whether your plan has 500 participants or 50,000, our scaleable technology and flexible platform make it possible for us to offer a full spectrum of services to all types of DC plans.

RETIREMENT PLAN ADMINISTRATIONYou’ve taken the time to create and deliver a high-quality retirement program. Let our expertise and innovation help you and your participants make the most of it.

TOTAL RETIREMENT OUTSOURCING

If you offer your employees both a DB and DC plan, we can help you streamline administration, manage costs and ensure seamless delivery of your total retirement program. Not only do we offer a single point of contact for you within Mercer, our total retirement outsourcing solution provides your employees with a single “big picture” view of retirement.

YOUR DC PLAN CHALLENGES OUR CUSTOM DC SOLUTIONS

Scrutiny of plan fees and investment options

Full fee disclosure and transparency along with investment independence (because we have no proprietary fund requirements, you can select from a broad universe of investments)

Ever-changing technology and rising costs

Flexible technology that adapts to your systems and needs, through which you can streamline your operations and achieve greater efficiencies and cost savings

Regulatory complexities and fiduciary responsibility

A dedicated compliance team to help you meet your fiduciary obligations with professional assistance, including nondiscrimination testing and detailed regulatory updates

Helping employees financially prepare for retirement

Our employee engagement strategy assists your participants in achieving financial wellbeing through interactive tools and professional services that help them grow their confidence, become capable retirement planners and understand that they are in control of their current and future finances

YOUR DB PLAN CHALLENGES OUR CUSTOM DB SOLUTIONS

Increased cost of managing the plan in house

Integrated actuarial and administration services that streamline processes and create greater efficiencies for potential cost savings

Plan complexity and changing regulations

Dedicated legal and regulatory specialists who support our client teams and collaborate with your consulting partners to help you manage your fiduciary obligations

Data integrity and cleanup Strategic data consulting and analysis services that help you measure data quality and develop cost-effective solutions to data challenges, such as paper records conversion and legacy database consolidation or reconciliation

Employee engagement and understanding

Our fully customized employee engagement strategy includes communications on distribution options, a pension estimator tool and contact center support to educate and assist employees in understanding their pension benefit

DEFINED BENEFIT PLANS

Defined Benefit (DB) plans continue to grow in complexity due to ever-changing regulations and associated risks – not to mention the increasing cost of managing these plans in house. When you outsource the administration of your DB plan to Mercer, you access DB plan expertise with the backing of deep company resources. Our DB plan solutions also complement our defined contribution offering, providing you and your employees with a full spectrum of total retirement program services.

INVESTMENT ADVISORY SERVICES

To help your employees take control of their retirement plan investment strategies, we have in place a joint relationship with Financial Engines® – a leading Registered Investment Advisor. For over 10 years Financial Engines has offered in-plan investment advice and portfolio management to Mercer’s DC plan participants. These services include:

Retirement evaluations – based upon current investing and saving decisions, as well as current age and salary

Personalized retirement plans – include investment, savings and retirement income strategies

Professional management and online advice – ongoing portfolio management or, for those who want to manage their own portfolio, online advice

Income+ – a comprehensive retirement income solution designed specifically for use within a 401(k) plan that can provide participants with steady monthly payouts

RETIREE & SURVIVOR COUNSELING

Retirees and their families can sometimes feel overwhelmed by the amount of information provided and decisions they need to make about DC, DB and retiree health benefits. Our retiree and survivor specialists make this process easier by assisting participants with:

• Identifying the distribution options that are available to them for DC and DB plans

• Understanding the retirement process by walking them through the steps needed to request a retirement package, complete the paperwork and commence a pension benefit

• Taking their pension benefit as a periodic annuity

• Opening an IRA and rolling over their retirement benefit

They can also assist a surviving spouse or beneficiary by helping them understand their distribution options under the plan rules.

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Targeted email campaigns Email campaigns targeted specifically to your business goals and employee data encourage participants to take action, such as increasing contribution rates. Through our tracking and reporting capabilities, we can provide success rates for each campaign.

Online retirement planner Our dynamic MyView® Retirement Planner gives participants the ability to model various scenarios and see a snapshot of their retirement preparedness.

Live “chats” Participants can also engage in live chats with representatives via the plan’s website.

Pension estimator Our online “Pension Estimator” tool means your DB participants no longer have to wait for a pension plan statement to see estimates of future benefits.

Company-branded website Participants can self-manage their accounts through a company-branded website that offers virtually 24-hour access to account information, retirement planning tools and investor education.

We can help you effectively and strategically manage family and medical leaves, state-legislated leaves, sick time and company-defined absences. Our absence management services can help you control the costs associated with absences.

ABSENCE MANAGEMENT ADMINISTRATIONEmployee absences can easily increase operating expenses, impact revenue growth and put your organization at risk. Let Mercer’s multipoint solution – technology, best-practice processes and superior customer service – help.

Self-service technology Our web-based tools enable your employees to go online to request time off, report absences, review approval status, send correspondence to management and get general information about qualified leaves.

EMPLOYEE ENGAGEMENT Our employee engagement strategy uses a combination of online education, targeted communications and contact center support to provide your employees with all the help they require to manage their unique absence-related needs, while ensuring that their personal medical information remains confidential.

RETIREMENT PLAN ADMINISTRATION

EMPLOYEE ENGAGEMENTBy applying our expertise in retirement education, online self-service tools and superior customer service, we can develop and deliver an impactful and integrated experience that helps your participants fully understand their options, make informed choices and take action.

Retirement checklist Our customized retirement checklist demystifies the process and provides near retirees with key information and clear action steps for a smooth transition to retirement.

Retirement welcome kit We can compile your pension forms into a welcoming, easy-to-follow retirement package that provides an attractive presentation and reduces application errors and benefit delays.

Education meetings Our Employee Education Consultants provide in-person enrollment and education meetings, and one-on-one education.

Education guides Participants can receive print or electronic retirement education guides that include interactive elements and links to decision-making tools.

Manager and employee user guides Our detailed user guides help your managers get the most out of the tool’s reporting and analysis capabilities and help your employees understand how to use and access the tool.

YOUR ABSENCE MANAGEMENT CHALLENGES

OUR CUSTOM ABSENCE MANAGEMENT SOLUTIONS

Increased costs of employee absences

24/7 absence tracking, reporting and management, as well as automated workflows to assist with staffing needs

Regulatory and legal complexities Compliance expertise and flexible technology that incorporates the legal and regulatory requirements for each of your locations

Manually requesting, processing and tracking leaves of absence

Intuitive, self-service online absence management system and contact center support for employees and managers

Lack of consistency in applying absence policies organizationwide

One total absence management solution to consistently apply company policies and federal, state and local laws

REPORTING CAPABILITIES

Comprehensive, online reporting and analytics eliminate the need to compile absence and leave information from multiple systems and manual records.

One tool fits all – With all employee data in one system, managers and supervisors throughout your company can quickly access data and create reports that detail or summarize employee absences or show key trends.

Detailed analytics – With quick access to summarized data showing reasons for, and durations of, employee absences, all levels of management can make well-informed, strategic decisions to reduce absenteeism, optimize productivity and manage costs.

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HEALTH & BENEFITS PLAN ADMINISTRATIONYou are faced with multiple challenges, from managing the complexities of health care reform and rising costs of benefits to ensuring that your program remains competitive and attractive to current and future employees.

Our commitment to superior service delivery combined with our health care expertise can both alleviate the effort involved in administering these increasingly complex programs and help your employees better understand and appreciate their health care benefits. Whether you provide health benefits for 50 employees or 50,000, our scaleable technology and flexible platform make it possible for us to offer a full spectrum of H&B services.

Education guides Our education guides and self-service tools help your employees during Open Enrollment and beyond to make well-informed choices and put them into action.

Contact center Our contact center representatives are HIPAA certified and offer personalized assistance to ensure that your employees have the support they need to manage their benefits. Participants can also engage in live “chats” with representatives via the plan’s website.

E-learning Our powerful e-learning tools provide your employees with fully interactive, animated and narrated presentations that can help increase understanding of key topics.

Home Get Started | Find Support | Share Your Passion | See What’s Working Spring 2011

healthy me

Eligibility | Privacy | About this Newsletter

It All Revolves Around YouExperience Healthy Me, a suite of health and wellness programs that offers you and your family new and valuable health information and insights. The Healthy Me programs are administered by leading health organizations — Alere, Quit for Life®, Health Advocate, and Best Doctors. Read more about these organizations here.

Healthy Me can help you:

• Become more aware of your health factors and identify potential health risks you can eliminate

• Discover new ways to do things like eat right, stay fitand reduce stress — with information that is selected|just for you

• Manage an existing chronic health problem

• Navigate the health care system

• Get a second opinion on a diagnosis or treatment option

• Lower the cost of health care for you, your family andthe Company.

Healthy Me is for you and your family. It’s voluntary,completely confidential, and provided at no cost to you. To experience Healthy Me first hand, click through this simple learning site, and log on to www.HealthyMe.com to get started.

A Program for Everyone

EnlighteningTake the Health Assessment and LearnMore About You

BE HEARD! How Do You Stay Healthy?

A Program for Everyone

Wellness/disease management program We can support your wellness program with a targeted, multimedia strategy to capture attention, build acceptance and drive usage.

Personalized online experience We offer your employees a personalized online experience with details about their current coverage, future coverage options and wellness programs.

Our decision-support and modeling tools allow employees to evaluate their benefit programs and determine the best options for them.

Targeted Consumer Driven Health Plan tools Our targeted Consumer Driven Health Plan (CDHP) communications program can help drive employee enrollment in your CDHP and maximize your cost-saving results.

YOUR H&B PLAN CHALLENGES OUR CUSTOM H&B SOLUTIONS

Administrative burden – New hire, ongoing and Open Enrollment support– Data reporting and validation– Eligibility and premium processing– Dependent and beneficiary maintenance– Third-party integration and reporting

Rising costs and tight budgets – Technology, trending and issue analysis to save money and time

– Access to lower-cost administrative solution– Dependent eligibility verification services

Constantly changing regulations and emerging plan designs

– Regulatory support– Flexible technology– Proactive, consultative approach

Employee engagement and appreciation

– Customized employee engagement strategy includes print communications and online resources to educate and motivate your employees to take action around their benefit programs

– Selection and modeling tools– Wellness program integration– Targeted communications directly linked to employee actions

HEALTH CARE CLAIMS ADVOCACY

With Mercer’s health care claims advocacy service, your employees can call a dedicated specialist who is trained to help resolve a variety of health plan-related issues, including:

• Research reasons for denied benefits

• Help resolve billing discrepancies

• Coordinate benefit disputes among multiple carriers

• Provide support during the appeals process

• Assist with locating in-network providers or obtaining approvals for out-of-network providers

By including health care claims advocacy services as part of your health care program, your employees will be able to navigate the increasingly complex health care system with greater ease, which, in turn, will relieve your HR team from HIPAA privacy concerns and time-consuming employee assistance.

EMPLOYEE ENGAGEMENT To clearly convey the value of your company’s health and benefits program, inform employees about their benefit options and drive them to make educated decisions and promote a culture of health, we offer self-service technology, decision-support tools, contact center support and strategic alliances that integrate other wellness and disease management programs.

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WE’VE GOT YOU COVEREDWhen you partner with Mercer, you’ve got peace of mind that the day-to-day management of your benefit operations will run smoothly and efficiently. We make it a point to deeply understand your current HR challenges and to anticipate your future ones. We bring strong expertise to responding to those challenges, and we do it through a confident approach that emphasizes accountability throughout our organization.

To explore how benefits administration delivered with SleepTight Service can help you achieve your benefits

outsourcing goals, please visit www.mercer.com.

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REST ASSURED.

M264831 12/11For plan sponsor/consultant use only.

For further information, please contact your local Mercer representative or visit our website at www.mercer.com.

To access our mobile-friendly website, scan the Quick Response (QR) code below with your smartphone.

Financial Engines® is a registered trademark of Financial Engines, Inc. Advisory services provided through Financial Engines Advisors L.L.C., a Registered Investment Advisor and wholly owned subsidiary of Financial Engines, Inc. Financial Engines does not guarantee future results. Financial Engines Income+ is a feature of the managed account program intended to provide income payouts from a 401(k). Patent pending. Availability subject to deployment schedule.

Mercer, LLC is not affiliated with Financial Engines Advisors L.L.C. and does not provide investment advice.