1. Presentation for:
Broker or Consultant

2. Our Market - Government Contractors
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The Boon Group’s clients are private companies performing contracts issued by a
government agency (federal, state, or local). We do not market benefit plans to
government employees, instead we market plans to private employers performing a
government contract.
Companies performing federal, state, or city contracts are typically required to pay
their hourly employees according to a “prevailing wage” or a local “wage
determination”. These contracts set minimum pay rates employers must pay as
well as the required Health & Welfare (H&W) Fringe Rate.
The H&W Fringe Rate is an hourly dollar amount earmarked by the government to
provide employer sponsored benefits for all employees working on the contract.
The company performing the federal, state, or city contract must either allocate the
H&W Fringe towards the cost of employee benefits or in lieu of benefits provide the
H&W Fringe in the employee’s paycheck as extra cash payroll.
Most companies performing the government contract prefer to allocate the H&W
Fringe towards employee benefits as health benefits are pre-tax as opposed to cash
payroll which is subject to payroll taxes. For example federal service contracts
currently mandate a $3.35 per hour H&W Fringe Rate. Contractors paying that $3.35
H&W in the form of pre-tax health benefits instead of as cash payroll save
thousands of dollars in reduced taxes. The savings factor is detailed on slide 4.
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

3. Our Market (Continued)
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The following types of companies often perform
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government contracts. These are great industries for
The Boon Group’s products and services:
 Facility maintenance companies
 Staffing firms
programs
 Security guard companies
 Janitorial companies
 Language translation & interpretation companies
 Non profit organizations with jobs programs for the disabled
 Construction Companies
 Mechanical engineering companies
 Environmental services companies
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

4. Advantages of The Boon Group’s Tailored
Benefit Plans
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Annual Costs
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Companies performing government contracts tie their employee benefit budgets to
the H&W Fringe Rate. The H&W Fringe Rate is typically increased annually,
however there is no guarantee by how much. Federal, state, and city governments
tend to increase the H&W Fringe amount by 3% per year, far below the double digit
trend of traditional medical plans. As a result government contractors should look
to implement non traditional benefit plans with lower annual increases. This way
the contractor can be confident in the costs of benefits over the multi year life of
the government contract.
The Per Hour Paid Budget
Contractors face a challenge funding a benefit program with a “per hour” H&W
Rate, as hours worked by employees tend to fluctuate from month to month. As a
result traditional medical plans with stable monthly premiums are not a good fit.
Instead contractors are better off with a tailored benefit plan with premium tied to a
“per hour” budget.
Affordability
Employees working on government contracts tend to be modestly paid hourly
workers. The high costs of family coverage in traditional medical plans discourages
them from covering dependants. As a result contractors should look to implement
tailored benefit programs with affordable dependant coverage.
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

5. The Savings Factor
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The following slide details how contractors save money by paying the H&W Fringe
rate in the form of benefits rather then as cash payroll. The savings are generated
by decreasing total taxable payroll.
Keep in mind the employer must pay taxes and worker’s compensation premiums
on each payroll dollar. Consequently after the taxes are considered, a payroll dollar
actually costs the employer approximately $1.17 in total cost ($1 in payroll plus
$0.17 in taxes and workers compensation premiums).
Employer provided benefits are pre-tax costs. So a dollar spent to provide health
coverage is not taxed, and therefore only costs the employer $1.00.
Government contracts give the employer the option of allocating the hourly H&W
Fringe Rate either towards the cost of benefits or extra cash payroll. As a result
employers providing the H&W Fringe Rate in the form of non taxable benefits' are at
a competitive advantage.
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

6. Cost Savings Analysis
Hourly Rate $15.00(base) + $3.35(H&W Fringe) = $18.35 per hour
H&W Fringe H&W Fringe
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Cash Wages Paid In Cash Paid
to Benefit Plan
TOTAL CASH WAGES $18.35 $15.00
FRINGE PAID TO BENEFIT PLAN $0.00 $3.35
PAYROLL BURDEN
FICA (Social Security Taxes) 7.65%
Worker’s Compensation Premiums 8.35%
+ Federal & State Unemployment Taxes 1%
Total 17% (assumed) $3.12 $2.55
HOURLY PAYROLL TAX SAVINGS PER EMPLOYEE N/A $0.57
MONTHLY PAYROLL TAX SAVINGS PER N/A $98.61
EMPLOYEE
ANNUAL SAVINGS BASED ON 2080 HOURS N/A $1,185.60
Annual Employer Savings
10 employees $11,856
$59,280
50 employees

7. The Boon Group's Experience
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For more than 20 years, The Boon Group® has been
the bridge that enables government contractors to:
 Remain competitive
 Reduce costs
 Maintain robust flexible benefit plans
 Ensure compliance
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

8. Experience (continued)
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The Boon Group® ―
 Provides unique products and administrative
services to over 500 clients and more than
100,000 members
 Administers tailored benefit plans designed to
meet the unique needs of federal, state and city
contractors.
 Markets its products and services through
brokers and consultants
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

9. Experience (continued)
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The Boon Group® has the knowledge
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and expertise that is required to help contractors create
benefit plans
and solutions that comply with
 Service Contract Act (Federal Contracts)
programs
 Davis Bacon & Related Acts (Federal Contracts)
 Collectively Bargained Agreements (Union Contracts)
 Prevailing Wage Laws (State & City contracts)
 Living Wage Ordinances (City Contracts)
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

10. reach your company’s goals with reliable programs
reach Compliance & Competitiveness
Generally, government contractors have three
goals in common:
 Compliance with governmental regulations
 Competitiveness within the industry
 Robust employee benefits
By outsourcing benefits administration to The Boon Group®,
government contractors achieve each
of these goals.
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

11. reach your company’s goals with reliable programs
reach Compliance & Competitiveness
The Boon Group’s fees  4.172 Meeting
can be built into the cost requirements for
particular fringe
of most benefit plans. benefits  in
general.
As a result, the fees are …No deduction from
paid by the insurance providers the specified amount
may be made to cover
rather than from your client’s any administrative
costs which may be
profits. incurred by the
contractor in providing
the benefits, as such
costs are properly a
business expense of
the employer…
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

12. span a wider range of benefit solutions & services
Robust Benefit Solutions
The Boon Group offers a wide range of
®
customized products and benefit solutions
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which include ―
 Affordable fully insured or self insured proprietary medical
plans: Tailored specifically to the applicable health & welfare
(H&W) fringe rate.
 Aetna Net Premier Plan: Offered exclusively through The
Boon Group. This Aetna plan can be designed to meet the
designated H&W fringe rate and offers robust medical coverage
along with access to the national Aetna PPO Network.
 Products with “Class Level” Benefits: accommodates
employees who work fluctuating hours (ex. part-time or temporary
employees)

13. span a wider range of benefit solutions & services Robust Benefit Solutions
Additional customized products and benefit
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solutions may include ―
 401k Plans: uniquely designed to absorb the fringe obligation at
varying levels based on job site and/or job classification
 Funded Sick Leave Accounts: allows fringe dollars to go
further towards covering the cost of paid sick leave benefits
 Trust Services: ensures that a self-funded plan complies with
the SCA regulations

14. span a wider range of benefit solutions & Robust Benefit Solutions
Your client may choose to:
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 Offer one of The Boon Group’s unique fringe benefit
products to its employees;
services
 Utilize only The Boon Group’s specialized benefits
administrative services (Administrative Services Only); or
 Select a combination of the products and services.

15. benefits administrative
services
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided by
Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.

16. Services
The Boon Group® provides a wide range of high quality
span a wider range of benefit solutions &
benefits administrative services which include ―
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 Benefit Implementation Management Services:
An Implementation Manager is assigned to the project and is
responsible for:
services
 Serving as the single point of contact throughout the implementation process;
 Developing a customized Implementation Plan and timeline;
 Scheduling Implementation kickoff meeting and ongoing weekly status calls;
 Monitoring the status of all tasks and milestones on the Implementation
Timeline to ensure all target dates are met;
 Remaining involved in the process 60 days following the effective date of the
benefits program; and
 Implementing new contracts/sites throughout the year.

17. Services (continued)
 Client Services
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 Overall responsibility for the Boon/Client relationship
 Serves as a single point of contact for you and your clients
 Provides experience reports and fringe reports
services
 Facilitates the benefits renewal process
 Enrollment Services
 Customized benefits enrollment guides and customized enrollment
forms mailed to employees’ homes
 Web Enrollment Site ― employees can access benefit information,
enroll and make changes
 Telephonic Enrollment Services using licensed benefit counselors
 On-site benefit briefing meetings

18. Services (continued)
 Post Enrollment Services
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 Process enrollment data (new hires, terminations and changes)
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 Distribute post enrollment collateral materials
(ID cards, Certificates of Insurance, Schedule of Benefits, Summary Plan Descriptions, etc.)
 Transmit electronic file with payroll deduction amounts
services
 Employee Benefits Assistance
 Toll-free customer service help line for employees:
― inquiring about their benefit options and plan details
― requiring assistance with benefit questions or claim payment issues
― requesting their Sick Leave Account balances
― needing to change elections due to a life status change

19. span a wider range of benefit solutions &
Services (continued)
 Benefits Administration Services
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 Transmit eligibility data to benefit providers in HIPAA EDI
compliant format
 Premium billing and collection services
services
 Claims processing and payment for a variety of fully insured products
and self insured plans
 Verification of eligibility and benefits
 COBRA Notification and billing services
 HIPAA notices and certificates of creditable coverage

20. span a wider range of benefit solutions &
Services (continued)
 Legal and Compliance Services
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 Responds to Department of Labor inquiries regarding fringe
benefit plans
 Prepares customized documents and assists Plan Sponsor with
services
Summary Plan Descriptions
 Establishes Trust arrangements, develops Trust documents and
agreements, and works with Trustee (a financial institution)
 Tracks federal legislation governing ERISA plans and state
legislation to ensure Plans are in compliance with required regulations

21. Services (continued)
 Fringe Accounting and Tracking Services
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 Average Cost and Individual Cost Accounting
 Allocations to multiple benefit plans
 Monthly Fringe Reporting
 Sick Leave Accounting
 Fringe Compliance Testing

22. Service ― Quality Assurance
An integrated quality assurance program for both Member
Services and Claims Processing:
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– Every 50th claim is automatically routed for internal audit.
– Errors that are identified through our Quality Assurance process are
corrected by the auditors at that time.
– Audit Results are logged to determine overall quality results and to
detect trends used to identify needs for additional training.
– Errors identified through calls to our member service department are
routed to a claim processor for resolution via a call action.
– Processor corrects the problem, sends call action back to the member
service representative, member or provider is contacted and the call
action is closed.
– All phone calls are recorded for quality assurance.
– Managers and Supervisors have the ability to listen in on phone calls
and recordings for quality auditing and training purposes.

23. Service ― Performance Results
Current Service Metric Performance Standard Actual Performance*
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Time Period: 2008
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Time To Process
% Claims w/in 21 Calendar Days 90% 99.3%
% Claims w/in 30 Calendar Days 98% 99.7%
Accuracy
% Financial Accuracy 99% 99.8%
% Processing Accuracy 90% 95.7%
% Payment Accuracy 95% 99.3%
Telephone Responsiveness
Average Speed of Answer 100% of all calls answered 100% of all calls
within <45 seconds answered within
34 seconds
% of Abandonment Rate <5% 2.1%

24. Why The Boon Group?
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 Tie benefit plan costs directly to the designated H&W
Fringe rate; maintain those expenditures on a pre-tax
basis.
 Offer your client’s employees robust benefits at an
affordable cost.
 Ensure your client’s maintain compliance with
applicable government contracting laws: Service Contract
Act, Davis Bacon Act, Prevailing Wage Laws, Living
Wage Laws.
Products are marketed through The Boon Insurance Agency, Inc., and Third Party Administrative Services are provided
by Contractors Employee Benefits Administration, Inc. (CEBA®), wholly owned subsidiaries of The Boon Group, Inc.