1. Employee
Benefit Solutions
USI Insurance Services
555 Pleasentville Road
Suite 160 South
Briarcliff Manor, NY 10510
914.747.6300
usi.biz
Focused on helping you stay one step ahead
Copyright ©2010 USI Insurance Services. All Rights Reserved.

2. At USI, exceptional people
deliver unrivaled employee
benefits solutions
We field the best at every level of our organization. From
industry-leading specialists to client service professionals, we'll
work alongside you every step of the way. We are hands-on,
entrepreneurial, highly skilled and committed to helping you
manage costs and structure successful programs. Our people
have deep roots in the region with access to national and global
resources. Over decades, we have built trusted relationships with
businesses and nonprofits throughout the region.
We invite you to engage with us for specialized expertise,
responsive relationships and a breadth of resources you won't
find anywhere else.

3. Creating Value for
Your Company
SOLUTIONS FOCUSED ON YOUR ORGANIZATION AND INDUSTRY
We work with you as a partner and problem-solver
to understand your needs, concerns and the unique
conditions your organization faces.
USI offers:
Specialist knowledge and resources
Our full repertoire of benefits and employee education tools will enable you
to anticipate potential risks, contain costs and keep pace with legal changes
and market conditions.
Continuity and depth of relationships
USI’s consultative approach and consistent communication yield great
outcomes. Our experienced consultants stay involved in client relationships,
backed by a deep team of knowledgeable professionals and support staff.
Access to exclusive products and competitive pricing
We’ve established relationships with many of our industry’s most highly
regarded insurance and investment providers. The result is access to
proprietary products and competitive pricing with top insurers.
Executive-level capabilities
We will structure executive benefits programs that provide the best fit with
your objectives. Our longevity, breadth of capabilities and strong relationships
within our business community make all the difference.

4. Employee Benefits Services
hELpING CONTAIN bENEFIT COSTS TODAY AND IN ThE YEARS TO COmE
We offer strategic solutions to complex problems, addressing
your company’s needs for the long-term, including plan design,
reporting, administration, compliance, voluntary benefit options
and communication services.
OUR STRATEGIC pARTNERShIpS, REpORTING AND pLANNING
YOUR SOLUTIONS
Using timely information can help you compete
In today’s climate of rising healthcare costs, you for talented employees. Our benchmarking tools
need a broker/consultant who has the knowledge help put your benefits and costs into perspective.
and resources to support your company’s critical We provide regular reporting, renewal projections,
employee benefits decisions. USI’s market leverage trend modeling and long-term planning.
allows us to negotiate pricing, design superior
products and deliver preferred services to you and ADmINISTRATIvE SERvICES
your employees. You’ll also have access to select life,
long-term care and disability insurance products USI’s strategic partners provide cost-effective
with features, benefits and lower costs that you solutions to administrative duties that are time-
likely wouldn't be able to find elsewhere. consuming and resource-heavy. Reducing your
administrative and regulatory responsibilities can
help improve productivity and boost employee
FINANCIAL AND CONTRACT ANALYSIS
participation in your programs. We broker
Our analysts protect your commitment to your administration services that are flexible and
employees through detailed scrutiny of products scalable. These services include a variety of
and premiums. We examine underwriting practices tax-favored benefit programs, consumer-driven
for fairness and appropriateness of rates and educate healthcare initiatives and administrative solutions
you about the advantages and risks connected to to aid you in meeting regulatory requirements.
each method of benefit financing. Periodic market
surveys will ensure your plans remain competitive; CUSTOmIZED SERvICES
ongoing evaluations of insurance companies’
financial ratings will give you the confidence that Our benefits compliance professionals are
fiscally strong providers back your coverage. dedicated to keeping you apprised of compliance
issues that impact your industry and business.
Our team’s timely communications will help
you stay abreast of fast-changing legal, legislative
and market developments. Specialized tax form
and report preparation will help you meet your
legal requirements.

5. Transforming Data Into Compliance Resources
Decision-Making Tools Improve Your Productivity
Our professionals scrutinize the data to ensure plans are innovative and Our specialists reduce burdensome administrative
fairly priced. USI’s analytical work is unmatched in the industry; we astutely and regulatory responsibilities. These services are
hone in on essential numbers, ratings and trends. At the end of a creative flexible and built to grow with you.
and disciplined process, we make sound recommendations that resolve
current challenges and enable you to plan optimally for the future.
FINANCIAL hOmEwORk REpORTING AND pLANNING, TOOLS ADDED CApACITY
AND TACTICS
Underwriting Review – We analyze renewals and negotiate Technical Team – Informative newsletters and bulletins help you stay in step
fair and appropriate rate adjustments. Regular Reporting – Simple reports summarize with legal, legislative and market developments.
your plan’s performance and trends.
Market Review – USI’s periodic market surveys keep your Summary Plan Description – Your employees’ booklets will remain current
plans competitive. Renewal Projections – Interim estimates keep with important plan changes—reducing liabilities and frustrations.
you informed and prepared.
Funding Arrangements – Each method of benefit Annual Return/Report (Form 5500 and applicable Schedules) – We provide
financing is clearly spelled out–so you can make the Benchmarking – You’ll know how your benefits and signature-ready form preparation for timely and accurate compliance.
right choices for your organization. costs compare to regional, national and industry norms.
Client Community – Our exclusive web-based reference system provides
Vendor Financial Evaluation – We monitor your Trend Modeling – We project your future costs updates on laws and regulations, along with timely compliance information.
insurance companies’ financial ratings to ensure based on inflation and increasing utilization.
their ongoing viability.
Long-term Planning – To help you control costs,
we design strategic three-to-five-year plans.
CONTRACT & NETwORk
ANALYSIS CApAbILITIES Data Analysis – We perform “Deep Dive” reviews
Detailed Contract Review – In-depth policy reviews of plan utilization and trends to ensure efficiency
eliminate surprises. We recommend the best products and stability.
and make sure you understand them.
Network Disruption – Our studies ensure that medical
and dental networks will be able to reliably provide the
access you expect.

6. Employee Education Services
TOOLS ThAT pROmOTE kNOwLEDGE AND UNDERSTANDING
USI serves as the communication pipeline for your benefit plans.
Through media tailored to your needs, we support the relationship
between you, your insurance companies, and your employees.
Our targeted communication tools and services will enable your
employees to understand, utilize and value your benefit programs.
ACCOUNT mANAGEmENT
Service Calendar – Scheduled services and seminars make it
easy to stay on track.
Implementation & Project Timelines – Timelines are
customized to meet your goals.
Legislative Compliance & Alerts – Timely newsletters report
on changes that impact your benefit plans.
Peer Seminars – In-depth topics keep you current
on critical benefit and financial topics.
Accountability – Day-to-day management and close
coordination with the HR teams.
EmpLOYEE EDUCATION SERvICES
Employee Meetings – We work to create responsible
healthcare consumers—and communicate your plan’s value.
Benefit Summaries – Employees receive a concise overview
in a “reader-friendly” format.
My USI – This web-based employee benefit portal is customized
for your company’s brand. The site enables your employees to access
and learn about their full benefit package and is available 24/7.
Quarterly Payroll Stuffers/Newsletters and Articles – Ongoing
education services include payroll stuffers and newsletter articles
that can be incorporated into your company's newsletter or as a
stand-alone publication.

7. Wellness Programs
CUSTOmIZED pOpULATION hEALTh mANAGEmENT STRATEGIES
Through our proprietary Healthy Motivations program,
USI provides all the necessary tools to effectively
change behaviors and reduce medical cost trends.
The Traditional strategies of cost-shifting and plan design changes to reduce overall
costs are no longer having an impact. Best performing companies are improving their
health care economics by developing long term strategies to reduce health cost trends
by keeping their population healthier. Through Healthy Motivations, employees will
be encouraged through incentives to make positive lifestyle decisions and actions
which enhance the health and bottom line of businesses through improved medical
trend, increased productivity and reduced absenteeism.
Identify
Once Healthy Motivations is implemented, employers determine the timeline and the
progression of the program. The first step is to identify the high- to low-risk population
in order to design specific programs to address modifiable behaviors. The HIPAA
compliant data can be used to identify gaps in care, leading cost drivers, work site
improvements and medical and prescription cost avoidance.
Incent
Incentives are determined based on employees’ voluntarily participation in meeting
biometric standards that may include glucose levels, blood pressure, body mass index
(BMI), cholesterol and tobacco usage. The program also may take into account
the completion of a health risk assessment and a behavioral change questionnaire.
Qualifications for the incentives are tracked and can come in the form of lower plan
contributions, lower deductibles or other financial incentives.
Improve
Each year, individuals can qualify for the incentives as targeted programs are
developed to address employees’ unique health needs and help them reach and
maintain various wellness goals. Healthy Motivations provides telephonic and in-
person access to health coaching specifically designed around modifiable behaviors
and lifestyles in order to improve the overall health and productivity of your
employees.

8. Retirement Plan Services
INDUSTRY LEADERShIp, ObjECTIvE ADvICE—AND OpTImAL SOLUTIONS
For more than 35 years, organizations have relied on USI to help their employees
successfully plan and invest for retirement. Our team of highly skilled professionals
provides specialized expertise in plan design, administration, employee
communications and investments.
DEDICATED, RESpONSIvE pLAN ADmINISTRATION
INDEpENDENT AND ObjECTIvE CONSULTING RIGOROUS INvESTmENT SELECTION
AND mONITORING pROCESS Our plan administration services deliver a complete solution with transparent pricing. You can expect full assistance in operating your plan.
As an independent consultant, we provide objective We provide experienced consultation on plan design, compliance, industry updates and answers to your technical questions. Your dedicated
advice on how to structure your retirement plan to best Our in-house investment analysts maintain ongoing service team will know you and your plan, firsthand. When you call with a question, a familiar voice will answer the phone and help you get
meet your needs and goals. Our consultative process monitoring of more than 6,000 no-load, no-transaction- right to the heart of the matter.
helps you select from a broad universe of investment fee mutual funds. Using objective criteria, we screen
alternatives, plan designs and administrative solutions. these funds to a short list of approximately 180 USI's Participant and Plan Sponsor websites provides comprehensive self service account access making it easy for you and your employees
Our full disclosure of all fees and commissions recommended selections, grouped by asset class. We also to obtain information, contact one of our representatives or read the latest industry news. Participants and plan sponsors can research
involved means you make informed decisions. construct a range of model portfolios, targeted to meet investments, review transaction history and make changes to their account. On demand reporting allows you to get instant access to
investors’ diverse needs, goals and tolerance for risk. information regarding your plan and participants.
INDEpENDENT ThIRD pARTY Our mutual fund screening procedure makes the
CO-FIDUCIARY SERvICES INvESTmENT ADvISORY pLAN ADmINISTRATION EmpLOYEE INvESTmENT
selection process easier for both plan sponsors and
AND FIDUCIARY SERvICES SERvICES EDUCATION SERvICES
As a co-fiduciary, USI advises plan sponsors and participants. If maximum choice is desired, we can
trustees on how to meet Employment Retirement provide your organization with the full menu of funds, Investment program governance and Plan design and compliance consulting Employee investment education and advice
Income Security Act (ERISA) “prudent management” plus a brokerage window permitting investment savvy outsourcing
standards. Our co-fiduciary process includes drafting an participants to buy and sell individual securities. IRS pre-approved plan documents and Comprehensive enrollment
Investment Policy Statement, codifying the standards Investment committee education summary plan descriptions and education campaigns
by which the plan will be managed, conducting ongoing EFFECTIvE EmpLOYEE COmmUNICATIONS Independent co-fiduciary Administrative outsourcing Targeted communication campaigns
reviews of investment performance, evaluating fees, AND INvESTmENT ADvICE
and assisting with the design and delivery of employee Fiduciary services and advice Daily valuation record keeping and Group investment education meetings
USI works to raise your employees’ awareness of
communications. administration
retirement saving imperatives—and heighten their
Investment Policy Statement and program design One-on-one participant investment advice
Regulations such as the Pension Protection Act of appreciation of the options their plan makes available.
Online plan sponsor information access
2006 and innovations such as Target Date Retirement We provide hard copy and web-based materials designed Objective investment analytics Online self-service account access
and reporting
Funds can have widespread impact on your plan and to boost enrollment. Through group presentations, we
participants. USI will help you make educated, rational educate participants on the importance of saving and the Manager search, selection and monitoring Trust, custody and benefit payment services Participant service call center
decisions in response to these new requirements and fundamentals of retirement investing, emphasizing the
investment approaches. principles of diversification as a guide to making prudent Quarterly risk and performance reporting Compliance and nondiscrimination testing Online investment research
investment selections. One-on-one advice sessions are and planning tools
"Watch-list" and fund replacement protocol Signature-ready IRS Form 5500 reporting
also available for more personalized assistance.
Model portfolio construction
ERISA Section 404(c) compliance IRS Form 1099-R tax reporting
mAxImUm FLExIbILITY IN
pLAN ADmINISTRATION SAS-70 audited record keeping systems
USI will help you select a service provider. We can
also deliver a full-service bundled solution, utilizing
our in-house administration capabilities, employee
communications and providing recommendations and
ongoing due diligence on investment options.

9. Executive Benefits
pROvIDING bALANCE
USI can help your company address limitations within your executives’
health and welfare benefit plans, such as limited insurance provisions
for higher-compensated employees.
wE hELp YOU STAY COmpETITIvE
To enable your organization to reward and retain top management, USI offers consulting on every aspect of
executive benefit plans. We structure integrated wealth and risk management solutions, advising you on the
full range of supplemental and deferred compensation plans, benefit restoration strategies and other executive
perk programs.
TARGETED ExECUTIvE bENEFITS STRATEGIES FOR SUCCESSFUL COmpANIES
Our professionals closely monitor the changing legislative and benefits environment and its impact on your
programs. Our consulting draws on peer benchmarking—the programs and services your competitors typically
offer their executive talent—and our knowledge of your business strategy. We work to understand your
company’s unique culture and style of doing business in helping you to determine the right balance of rewards
as a driver of success.
ExECUTIvE DEFERRED COmpENSATION
USI professionals can help you determine how a deferred compensation program or Supplemental Executive
Retirement Plan (SERP) will work within the framework of your company’s financials and business objectives. We
consult with corporations on plan design, implementation and long-term management. We also create cash flow
forecasting and modeling for executives, advising them individually on how much income to defer based on future
objectives or anticipated long-term contributions from an employer fund.
Our areas of expertise include:
Executive Long-Term Disability Insurance Supplemental Life Insurance
We design plans that meet executives’ unique For highly compensated executives, traditional
requirements. Coverage may include non- employer-sponsored life insurance plans often
traditional or high-risk occupations, foreign pose a cap that doesn’t match salary multiples.
executives, foreign domicile and business USI can create a complementary supplemental
travel to places of unrest. Our plans also insurance plan to fill the gap.
provide higher limits and proprietary pricing
and products.
Executive Long-Term Care Insurance
Executive long-term care insurance can
help executives protect their assets and
independence. We provide consulting, plan
implementation and administration services.

10. USI is committed to excellence in COMMERCIAL SERVICES
each individual service we provide. Business Insurance
Property, Auto and Liability
We are the largest, privately held Workers' Compensation
Surety
national insurance broker with over 80 Directors & Officers Liability
Employment Practices Liability
Professional Liability
locally-focused offices across the U.S. Risk Management Consulting
Our clients benefit from our unified Risk Assessment
Advocacy
approach to managing financial Claims Resolution
Employee Benefits
opportunities and risk. Health & Welfare Benefits
Retirement Plan Services
Executive Benefit Services
Voluntary Benefits
Business Resources
Corporate Transaction Services
Business Continuation Planning
We can help you create value and manage risk in the
benefits, investments and insurance disciplines that
matter to your organization. To learn more, please ask
your USI representative.