Elements PEO | Broker Program by Elements PEO

PEO BROKER/INSURANCE AGENT BROKER PROGRAM

WHY ELEMENTS PEO Itâ&#x20AC;&#x2122;s simple! We want to be the element that would have a long-lasting impact on your business growth. Itâ&#x20AC;&#x2122;s our mission, vision and values that makes Elements a suitable option for all your business needs. Size sometimes does matter, we are big enough to earn your business and small enough to service it. Our team of dedicated experts in Human Resources, Risk Management, Payroll, Benefits and Customer Care will guide you in every step of the way. Our core foundation speaks to how we go to market and our commitment to deliver excellence to our clients, worksite employees and the community.

VISION To be the most trusted and respected professional employer organization, empowered by our employees and customers to deliver an unparalleled element of excellence to reshape the industry marketplace.

VALUE MISSION We believe in providing our customers with pragmatic solutions that will work within the business constraints of time, budget, and culture. Empowered to our customers to grow successfully by partnering with knowledgeable and passionate professionals, who support and provide a collaborative culture that enables the partnership with our customer base to thrive professionally and personally.

800.827.4660

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INTEGRITY Doing the right thing, in a reliable way

DEDICATION We are devoted to growth of customers, employees and your business

ACCOUNTABILITY Account for activity and disclose in a transparent manner

PARTNERSHIP We listen and collaborate with our customers, to bring out the best ideas

PASSION We are inspired that our element empowers our clients strategic development

ElementsPEO.com

ELEMENTS MARKETING DEMOGRAPHIC Elements is currently accepting ASO business Nationwide and PEO in the following states: AL / AR / AZ / CT / CA / CO / DC / DE / GA / IA / ID / IL / KS / LA / MI / MA / MN / MS / NE / NJ / NY/ PA / SD / TX / VA / VT / WI / WV

WA MT

ID NV

UT AZ

NE CO

KS OK

NM TX

IL IN OH KY TN

AR MS AL LA

PA WV

NC SC

ASO ONLY

PEO & ASO

MAP IS UPDATED QUARTERLY

Our partnership with AmTrust Group enables us to bring extensive technology, risk management, loss control and claim management resources to our clients. These resources will effectively help control the ever increasing cost of providing workers’ compensation insurance coverage for our customers, nationwide. It’s our mission to help small and mid-sized businesses grow. Eliminating the management of their workers’ compensation needs gives them one less thing to worry about, freeing them up to focus on growth and success. AmTrust Group is an A.M Best rated “A” (Excellent) carrier specifically tailored to accommodate the needs and risks of small to mid-sized businesses in industries including healthcare, IT, logistics, manufacturing, restaurants and hospitality, light construction and retail. Elements prefers businesses in the White, Grey and Blue Collar industries. SUBMISSION NOTES • • • •

Ex. Mod: Up to 1.50 with explanation of losses over $20K and what safety programs have been put into place to help lower risk. We require all clients to have EPLI, EAP, STD & LTD coverage under our programs. If a prospect already has these programs in place, we can waive this requirement with proof of coverage. STD and LTD is provided through UNUM Insurance. Carrier approval may take up to 2-3 business days

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ITEMS NEEDED FOR A RFP SUBMISSION 1. Copy of an Accord

(if you do not have one please provide the following):

2. Full Legal Name 3. FEIN 4. Estimated Gross Annual Payroll 5. Number of Employees (Full Time and Part Time) 6. Business Address or Location(s) 7. Loss Runs for the last 3 years from work comp carriers 7a. If new in business, resume of owner and explanation of business. 8. NCCI Mod Rating 9. Years in Business 10. Current SUTA Rates 11. Copy of current workers compensation policy 12. Employee Census (If benefits are requested) 13. Example of union deduction report, if applicable.

YOUR CLIENTS GET A DEDICATED TEAM You get a dedicated Broker Program Specialist as your main point of contact, NO CALL 800 numbers to get someone on the line anymore! GREAT COMMISSIONS PAID FOR THE LIFE OF THE ACCOUNT! IMPLEMENTATION SPECIALIST Once you decide to come onboard, your Implementation Specialist (IMPS) will be your first point of contact from Elements. Your IMPS reaches out to you within 24 business hours after we receive signed service agreements. Your IMPS walks you through the set up process and customizes our programs to fit your company’s needs and even walks you through your first payroll before being handed over to your Payroll Specialist and Account Manager. ACCOUNT MANAGER Think of your Account Manager as your Quarterback. Your Account Manager will be your main point of contact. They will be responsible for the overall management of your account and works with our internal team to help coordinate between departments on any open items we are working for you. PAYROLL SPECIALIST Your Payroll Specialist will be your payroll processing and questions point of contact. Your Payroll Specialist will assist you with processing payroll, garnishment set ups, deductions or ACA Compliance reporting questions. BENEFITS COORDINATOR Your Benefits Coordinator administers your insurance plans and ensures correct billing. If you have Healthcare, Dental, Vision, 401K, Life or STD/LTD through our programs, your Benefits Coordinator walks you through the enrollment process. Your Benefits Coordinator helps you and your employees understand your benefits program and is your advocate to the insurance carriers. Your Benefits Coordinator reviews your benefits programs and educates employees how to “better” utilize their insurance. Our benefit plan management keeps renewal costs down. WE HANDLE ALL EMPLOYEE BENEFITS ADMINISTRATION SUCH AS: COBRA Compliance and Administration Annual Open Enrollment Meetings Retirement Services

Medical Claim Assistance Discrimination Testing (401K & Section 125) Plan Maintenance

HR GENERALIST Your HR Generalists are PHR and SPHR Certified professionals who are here to help you stay in compliance with ever changing Employment Laws. HR Generalist can assist from drafting offer letters to reviewing termination documents. RISK MANAGER Your Risk Manager assists in workers compensation claim resolution, developing safety programs and OSHA Compliance Assistance.

800.827.4660

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ElementsPEO.com

WORKERS COMPENSATION CARRIER We are proud to announce that AmTrust Group, a multinational property and casualty insurer specializing in coverage for small to mid-sized businesses, is the carrier of choice for our Master Workers’ Compensation Program. We provide competitively priced workers’ compensation coverage to small- and mid-size businesses. This partnership enables us to deliver extensive technology, risk management, losscontrol and claim-management resources to our clients. This effectively helps our clients control the ever-increasing cost of workers’ compensation insurance coverage. Our mission is to help small- and mid-sized businesses grow. Eliminating the management of their workers’ compensation needs eliminates one major element to worry about, freeing them to focus on growth and success. AmTrust Group is an A.M. Best-rated “A” (Excellent) carrier specifically tailored to accommodate the needs and risks of small- to mid-sized businesses in industries that include but aren’t limited to office exposures – IT, banks, accountants, doctors’ offices, schools – retail stores, light construction, hospitality, light manufacturing and warehouses. Risk exposures that are excluded include transportation risks, environmental hazards, home healthcare, group homes, sports or adult entertainment establishments, 24-hour operations, chemical or pharmaceutical manufacturing and accounts with fewer than four employees.

PEOS AND INSURANCE AGENTS Professional employer organizations (PEOs) and insurance agents have been traditional competitors because PEOs provide Workers’ Compensation and Health insurance under their master plans to client firms. But times have changed. In the late 1990s, three PEOs were formed with plans to enter into marketing agreements with insurance agents. All three quickly grew to rank among the 10 largest PEOs in the U.S. Later, many other PEOs started to offer sales contracts to insurance agents while retaining a direct sales force. Today, most of the 25 largest PEOs will provide a sales contract to insurance agents. Over the last five years, two significant developments have changed the landscape for the relationship of insurance agents and PEOs: In 2013, the NCCI released a study authored by its chief economist, Harry Shuford, concluding that PEOs have a positive impact on the nation’s Workers’ Compensation system. This has encouraged many of insurance agents, who had previously held a negative opinion of PEOs, to look to PEOs to provide an alternative solution to various insurance needs for their clients.

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The PEO marketplace has evolved. Five years ago most PEO sales with insurance agents involved the agent working with a PEO employee sales rep, who handled all point of sale communication with the client. The evolution of PEO sales has followed the independent insurance agent model. Today many agents look to PEO brokers to access PEO solutions for their clients. Today there are more than 750 PEOs in the U.S. The PEO broker typically has sales contracts with many PEOs and can match up the needs of the client with the capabilities of a group of PEOs to request proposals. The PEO broker can analyze the proposals from a group of PEOs and prepare an apples-to-apples comparison for the client and the insurance agent. This saves the client time because the client does not need to deal with four or five PEO sale reps to select a PEO and receives a comparison by an independent party who is representing the client and not the PEO. It helps the insurance agent because none of the PEO proposals are from his competitors.

ElementsPEO.com

WHAT ARE THE BENEFITS OF PARTNERING WITH ELEMENTS FOR PEO SERVICES? PEOs retain approximately 89 percent of their clients from year to year, according to NAPEO (The National Association of Professional Employer Organizations), proving businesses who use PEO services truly appreciate the benefits of the co-employment relationship COST SAVINGS

IMPROVED BENEFITS

Businesses that use Elements as their PEO have reported significant cost savings on insurance and other types of coverage.

Outsourcing to Elements can help small and medium-sized businesses acquire a broader and deeper package of employee benefits at a lower cost than could otherwise be accessed.

TIME SAVINGS

REGULATORY COMPLIANCE

Working with Elements frees up time that would be spent on human resource and compliance related tasks allowing businesses to focus on what they do best.

Elements helps businesses navigate through ever-changing federal, state and local regulations. PEOs monitor important wage and work-related laws and take care of the administrative functions, such as government reporting, unemployment claims and payroll taxes, to ensure compliance is met on an ongoing basis.

HUMAN RESOURCE AND EMPLOYMENT EXPERTISE

Elements provides a wealth of human resource knowledge on matters like workers’ compensation, risk and compliance, tax credits, FMLA and more. N DESIGNS

BENEFIT PLA ives

Healthy Incent PPO 14 Copay F/80/60

Aetna Signature

AETNA NETWO

ives

Healthy Incent PPO 14 Copay F/80/60

$1000-80% 80%

80%

$35/$45 Copay $1,000/$2,000

$35/$45 Copay $500/$1,000

PCP/Specialist

Office Copay yee/Family Deductible - Emplo

$6,600/$13,200

OOP

gency Urgent Care/Emer Room Copay PCH/ PT/OT/COGN/S Limits CHIRO Therapy

$75/$250

$75/$250 20 Visits

20 Visits RX Deductible/ Co Pays

RX Deductible/ Co Pays

DRUGS/ PRESCRIPTION YS MAIL ORDER COPA ible

ption Drug Deduct

Outpatient Prescri

$100

$35/$45 Copay $2,000/$4,000 $6,600/$13,200

$35/$45 Copay $2,500/$5,000 $6,600/$13,200 $75/$250

$75/$250

20 Visits

20 Visits RX Deductible/ Co Pays

RX Deductible/ Co Pays

$100

$90

Tier 3

$120

Tier 4

$100

$3000-80% 80% $35/$45 Copay $3,000/$6,000

$3000-100%

$1500-90% 90%

100% rance

Deductible & Coinsu ible & Coinsurance

Deduct

$75/$250 20 Visits RX Deductible/ Co Pays

$100

BENEFIT PLAN DESIGNS 2015-2016

rance

& Coinsu rance Deductible

Deductible & Coinsu

$6,600/$13,200

rance

& Coinsu rance Deductible

Deductible & Coinsu

rance

& Coinsu rance Deductible

Deductible & Coinsu

CIGNA NETWORK

20 Visits

EMBEDDED DEDUCTIBLE

rance

& Coinsu rance Deductible

Deductible & Coinsu

rance

& Coinsu rance Deductible

Deductible & Coinsu

& Coinsurance rance Deductible Deductible & Coinsu & Coinsurance rance Deductible Deductible & Coinsu rance Deductible & Coinsu rance Coinsu Deductible &

$90 $120

$90

CDHP Advantage

$60

ives Healthy Incent CDHP 14 Copay F/100/70

ives Healthy Incent CDHP 14 Copay F/90/60

$20

$30

$90

16 VISION PLANS 2015-20 Tier 2

$100 $10

$60

80%

ives

Healthy Incent PPO 14 Copay F/80/50

Aetna Signature

$2500-80%

$2000-80%

$20

Tier 1

ives

Healthy Incent PPO 14 Copay F/80/6

Aetna Signature

$500-80%

IN - NETWORK COINSURANCE

ives

Healthy Incent PPO 14 Copay F/80/60

2015-2016

60%

50%

70%

IN - NETWORK

Groups under 25

es will require

eligible employe

$500-80% 80%

* Retail costs may differ

$500/$1,000

$1,000/$2,000

$2,000/$4,000

$2,500/$5,000

$3,000/$6,000

Deductible & Coinsurance Deductible & Coinsurance

$6,000/$12,000

OOP

$100/$250

Deductible & Coinsurance Deductible & Coinsurance

$75/$150

$75/$250

$75/$150

Deductible & Coinsurance

20 Visits

RX Deductible/ Co Pays

EMBEDDED DEDUCTIBLE

$100

Deductible & Coinsurance Deductible & Coinsurance

DENRXTA L PLA Deductible/ RX Deductible/ Deductible/ NS 2015RX Co Pays Co Pays Co-2 Pays016

$20

AMERITAS $20

$20

$60

IN - NETWORK

$60

$90

$90 Deductible Family

ual

$90

Tier 4

$120

Preventive Proce

$120

Deductible Individ

OUT OF NETWORK Coinsurance

Basic Services Major Services

dures $120

Calender Year Maxim

60%

Extras 90th U&C

60%

tible Individual

$1000

$3000/$6000

Deductible & Coinsurance Deductible & Coinsurance

$60

Deductible & Coinsurance Deductible & Coinsurance Plan 2 PASSIVE PPO & - Low Deductible Coinsurance Option Deductible & Coinsurance

$90

$120

Deductible & Coinsurance Deductible & Coinsurance

$5/Visit Type 1/$50 Type 2,3 $5/Visit Type 1/$50 Type 2,3

Included

50% Coinsuranc

60%

50%

$4000/$6000

$6,000/$12,000

N/A $500

OOP - Employee/Family

Deductible Family $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 50% Coinsuranc $13,000/$26,000 $13,000/$26,000 e

MOOP- Employee/Family

$12,000/$24,000 Basic Services

Preventive Proce

50% Coins

dures

urance N/A $12,000/$24,000 $12,000/$24,000 $12,000/$24,000 $12,000/$24,000

60%

70%

$3,000/$6000

$6,000/$12,000

$12,500/$25,000 $12,500/$25,000 $12,000/$24,000 $12,000/$24,000

50% Coinsuranc N/A e Major Services 50% Coins e a GHQ for full underwriting. Rates are subjectedN/A Groups under 25 eligible employees will require to complete GHQ/PHQ for full underwriting. Groups over 26 employees will be required touranc complete to completion of full group underwriting. Extras N/A N/A 50% Coinsuranc N/A e

ORTHODONTIA

Allowance Coinsurance Lifetime Maxim

SUMMARY - CHIL

D ONLY COVERAGE

U&C You may receive a 10% um (per person) 50% Waiting Period at discount from retail prices $1,000 SAMPLE PROC certain independent Lasik None EDURE LISTING (Current Denta participating providers and TYPE l Terminology © 1 American Denta pay no more than $1,800 Routine Exam l Association.) (2 in TYPE 2 per eye for Conventional Bitewing X-rays (1 12 months) in 12 month Sealants (age 13 Lasik and $2,300 per eye Full Mouth/Panoramic X-rays s) and Restorative Amalg under) (1 in 5 years) for Custom Lasik. Periapical X-rays ams

never pay full retail.

$125 $137.50

ElementsPEO.com

Cleaning (2 in 12 months) Fluoride for Childr en 13 and under (1 in

12 months)

$6,000/$12,000

$20

$60

$5/Visit Type 1/$50 Type 2,3 $5/Visit Type 1/$50 Type 2,3

Included

50% Coinsuranc

60%

80th U&C/None

OUT - OF

inquiries@ElementsPEO.com

$10 Plan 1 PASSIVE $35PPO - High Optio

80% Coinsuranc

- NETWORK Deductible Employee/Family $1500/$3000 $2000/$4000 Deduc

options in your

MEMBE $0 $50 ($75-$50=$25x2=$50)

$3000-70%

$6,000/$12,000

and are based

800.827.4660

90%

Deductible & Coinsurance Deductible & Coinsurance

Tier 3

ce. They ? twice the wholesale differen FRAME ALLOWANCE WORK allowance, members pay ale cost exceeds the frame HOW DOES THE WHOLESALE SAVINGS R PAYS frame allowance. If the wholes ale Benefits include a wholes WHOLESALE ALLOWANCE WHOLESALE PRICE RETAIL PRICE* $50 $50 $125 $50 vary. $75 cost. Actual savings may $187.50 on 2½ times the wholesale

80%

$35/$45 Copay

MOOP- Employee/Family

tially reduced fees. g prices (per eye): Lasik procedures at substan s listed below offer the followin s and eye doctors to offer many well-known facilitie providers. The network location We have contracted with ures are done by network CUSTOM** these low fees when proced of ge advanta take can You $1,895* $1,295 AL** ITION for 1 year TRAD ments CONVENTIONAL / ated locations only) $ 895 $1,895* LasikPlus free enhance ments for 1 year TLC 888-358-3937(design $ 695* LasikPlus free enhance ments for life ce Plan LasikPlus 866-757-8082 $1,395* LasikPlus free enhance with QualSight Lifetime Assuran * $1,995 $1,320 ments for 1 year $ 895 QualSight free enhance Assurance Plan 6-2020 the provider for details. QualSight LASIK 855-45 $1,295 with QualSight Lifetime fixed pricing. Please call area. Not all locations offer *with IntraLaseTM

$3000-90%

70%

$35/$45 Copay

Tier 2

naVision Lasik Discount

provider you choose and

$1500-80%

80%

Deductible - Employee/Family

VISION CARE PLAN Huma

procedure offered by the

$2500-80%

80% $35/$45 Copay

Tier 1

$57 retail allowance $150 allowance

** Pricing varies by section

$1000-90%

N/A

Retail Frame Allowance Contact Lense Allowance

$2000-80%

90% $35/$45 Copay

100% after $20 copay

$35 allowance $35 allowance

Eyeglass Lenses: Trifocal lar Eyeglass Lenses: Lenticu

CDHP Advantage

$100

$35 allowance $35 allowance

Eye Examination Vision Eyeglass Lenses: Single Eyeglass Lenses: Bifocal

PPO CDHP 14 Copay F/90/70

CDHP Advantage

Outpatient Prescription Drug Deductible

$50 wholesale allowance $150 allowance

OUT - OF - NETWORK

PPO CDHP 14 Copay F/80/60

Healthy Incentives PPO

RX Deductible/ Co Pays

100% after $20 copay

Retail Frame Allowance Contact Lense Allowance

GWH-CIGNA PPO 14 Copay F/70/50

Healthy Incentives PPO

PRESCRIPTION DRUGS/ MAIL ORDER COPAYS

100% after $20 copay 100% after $20 copay

Eyeglass Lenses: Trifocal lar Eyeglass Lenses: Lenticu

GWH-CIGNA PPO 14 Copay F/80/60

Healthy Incentives PPO

IN - NETWORK

$6,000/$12,000 $12,500/$25,000

iting. Groups

Q for full underwr

to complete GHQ/PH

Eye Examination Vision Eyeglass Lenses: Single Eyeglass Lenses: Bifocal

GWH-CIGNA PPO 14 Copay F/80/60

Healthy Incentives PPO

Office Copay - PCP/Specialist $35/$45 Copay

Deductible Empl

HUMANA

GWH-CIGNA PPO 14 Copay F/90/60

COINSURANCE

60% Urgent Care/Emergency $3,000/$6000 60% $6,000/$12,000 60% 5,000 $4000/$6000 60% Room Copay $3000/$6000 6,000 $12,500/$2 00/$24,000 $2000/$4000 6,000 $13,000/$2 0/$3000 00/$24,000 $12,0 6,000 $13,000/$2 oyee/Family $150 00/$24,000 $12,0 6,000 $13,000/$2 PT/OT/COGN/SPCH/ $12,0 00/$2 $13,0 4,000 m $12,000/$2 ElementsPEO.co $13,000/$26,000 - Humana Vision 00/$24,000 Plan VCP 1 $12,0 underwriting. mily group yee/Fa full 4,000 CHIRO Therapy Limits of ion Emplo OOP $12,000/$2 subjected to complet iting. Rates are $12,000/$24,000 for full underwr mily to complete a GHQ es will be required MOOP- Employee/Fa over 26 employe ORK

OUT OF NETW Coinsurance

GWH-CIGNA PPO 14 Copay F/80/60

Healthy Incentives PPO

Restorative Comp osites Endodontics (nons urgical) Periodontics (nons urgical) Denture Repair Simple Extractions

ElementsPEO.com

N/A

TYPE 3 Space Maintainers Onlays Crowns (1 in 10 years per tooth) Crown Repair Endodontics (surgi cal) Periodontics (surgi cal) Prosthodontics (fixed bridge; remov Complex Extrac able complete/pa tions rtial dentures) (1 in 10 years) Anesthesia

ELEMENTS BENEFITS DEMOGRAPHICS Elements is currently accepting Benefit driven RFP’s. Below are the carrier networks in which Elements is quoting per state. WA

KS OK

KY TN AL AL

PA WV

VA NC NC SC

IL IN OH

NE CO

IE LD

■

HEALTH UNDERWRITING REQUIREMENTS

GROUPS WITH 26-99 ELIGIBLE EMPLOYEES

GHQ (Group Medical Questionnaire) PHQ (Personal Health Questionnaire) (Outside of GA or IL) EE Census Premium Rate History Summary of current plan designs Renewal letter if available

Elements can provide both ASO and PEO proposals for customers n AETNA n BLUE CROSS/BLUE SHIELD n CIGNA n HUMANA n KAISER PERMANETE

GHQ (Group Medical Questionnaire) Premium Rate History EE Census Summary of current benefits plans Renewal letter if available Minimum of 12 months of monthly claims data by month (including premium) Large claims report for the same 12 month timeframe as listed above

GROUPS WITH 100+ ELIGIBLE EMPLOYEES WITHOUT EXPERIENCE

May be quoted on a case by case basis and must be reviewed by underwriting GHQ (Group Medical Questionnaire) PHQ (Personal Health Questionnaire) (Outside of GA or IL) EE Census Premium Rate History Summary of current plan designs

If Elements has a carrier with a better network within another state, Elements will provide the best network carrier based on EE census provided. Final pricing is subject to final underwriting of submissions.

800.827.4660

inquiries@ElementsPEO.com

n NJ n DE n MD n DC n PR

GROUPS WITH 100+ ELIGIBLE EMPLOYEES WITH CLAIMS EXPERIENCE

GROUPS WITH 5-25 ELIGIBLE EMPLOYEES PHQ (Personal Health Questionnaire) GHQ (Group Medical Questionnaire) Premium Rate History (Copy of recent invoice) EE Census Summary of current benefits Renewal Letter if available

n NH n VT n MA n CT n RI

ElementsPEO.com

100% WEB BASED TIME AND LABOR MANAGEMENT ETime is a simple to use yet powerful time and attendance solution that allows you to automate your company’s timekeeping and attendance tracking. ETime completely eliminates paper timesheets, which are the root of most payroll nightmares! ETime gives companies an easy way to automate their workforce management processes. Accessible from any computer with Internet access,ETime provides the tools to help Supervisors and Management know exactly how their payroll dollars are being spent and where labor resources are being utilized. ETime provides a user-friendly self service point for your workforce. Employees can do things such as clock in and out, review schedules, transfer labor hours, submit time sheets, check benefit accruals, and submit time off requests – all from the convenience of the Internet. Labor data is immediately stored in ETime’s database where it is available to managers on a real-time basis. The ETime’s powerful reporting system provides you with the tools to better manage your labor force. ETime’s reports help you avoid unauthorized overtime, track employee status, track benefit administration, control departmental costs, monitor staffing, perform job costing, and much more. The standard, automated time clock polling and report generation capability allows you to define a processing schedule. ETime will poll the time clocks, process reports and even email them to supervisors automatically without operator intervention. Eliminate Payday Panic! Know exactly where your employee’s time and dollars are spent by implementing your rounding rules, not your employee’s. By removing human error, accurately reporting employee hours and dramatically reducing the amount of time spent on payroll preparation,ETime will pay for itself in less than one year!

800.827.4660

inquiries@ElementsPEO.com

ElementsPEO.com

FEATURES

Automates Attendance Tracking, the Calculation of Employee Time, & Wages and Tracks Exempt Employees Applies your Pay Rules

Supports an Unlimited Number of Shifts, Pay Categories, Pay Rules, and up to 15 levels of labor distribution

Provides Extensive Payroll and Management Reports Runs from your favorite browser

Exports Hours directly to more than thirty Popular Third-Party Payroll Providers

Supports an Unlimited Number of Data Collection Terminals

2 Levels of approvals – Employee & Supervisor Powerful security configurations

Employees can review hours, schedules and benefit balances Real-time management reporting Automated Employee Leave Requests

EMPLOYMENT PRACTICES LIABILITY INSURANCE EPLI covers our clients businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. EPLI provides protection against many kinds of employee lawsuits, including claims of: Sexual harassment Discrimination Wrongful termination Breach of employment contract

Negligent evaluation Failure to employ or promote Wrongful discipline Deprivation of career opportunity

Wrongful infliction of emotional distress Mismanagement of employee benefit plans

OUR EPLI CARRIER IS AIG. DEDUCTIBLE FOR CLIENTS ARE GOING TO BE AS FOLLOWS: For clients with employee counts of 1 to 250 employees they will still have a $50,000 deductible For clients with employee counts of 251 to 800 – they will have a deductible of $75,000 For client with employee counts greater than 801 - they will have a deductible of $125,000

Clients who have EPLI coverage can waive coverage with proof of coverage and listing Elements as an Alternate Employer.

EMPLOYEE ASSISTANCE PROGRAM (EAP) WHAT IS AN EMPLOYEE ASSISTANCE PROGRAM (EAP)? The EAP is a free and confidential assistance program that provides supportive counseling, information and resources for employees and their families. WHY OFFER THIS SERVICE? Studies have shown that by helping employees to address their personal troubles, companies are able to reduce problems such as absenteeism, extra costs, lost wages and decreased productivity. It’s a win-win situation for everyone! WHO PROVIDES THIS SERVICE? The EAP is administered by Employee Resource Systems (ERS), a Chicago-based company with a national network of counselors available to provide in-person or telephone support. WHO CAN USE THIS SERVICE? The EAP is available to all employees and their immediate family members, including a spouse (or significant other), children and older adult parents.

IS THE EMPLOYEE ASSISTANCE PROGRAM CONFIDENTIAL? Yes, this service is confidential. Everyone at the EAP is legally and ethically bound to maintain the confidentiality of all of its clients. Exceptions exist for any threat-to-safety situations such as child abuse. THE EAP TYPICALLY DEALS WITH CHALLENGES SUCH AS: Family conflict Marital or relationship issues Depression Stress Anger management HOW MUCH DOES IT COST? Grief & loss issues There are no charges for use of the EAP. Employees and their families are eligible to receive up to three free in-person Counseling sessions per problem or issue. Some issues can be resolved within these three sessions; however, referrals will be provided for long-term counseling or treatment through your insurance benefits.

ElementsGroup.com 800.827.4660

inquiries@ElementsPEO.com

ElementsPEO.com

401(K) AND RETIREMENT PLANS

ELEMENTS GROUP PLAN

ADOPTS OR SUBSCRIBES TO MASTER PLAN COMPANY A

COMPANY B

COMPANY C

INDIVIDUAL PARTICIPANTS IN COMPANY PLANS

STRATEGIC ALLY Elements is your strategic ally in more than just human resources, payroll and benefits. The Elements 401(k) plan is a key element to you and your employees’ financial future. The 401(k) is no longer an optional benefit. It is as much expected as health insurance was ten years ago. That’s why there is a large influx of new participants to 401(k) retirement plans. The hurdle for most businesses is to put together a 401(k) plan that is up-todate, easy to use and cost-effective. Elements overcomes these hurdles for you with our plan design, investment performance and service. INVESTMENT PLATFORM The line-up of mutual funds that comprise the investment platform are highly rated funds. They have been carefully selected by Elements Investment Committee for rating, expenses and stability of the fund. The overall platform utilizes funds with varied investment styles such as value, blend and growth.

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PRE-ALLOCATED PORTFOLIOS Employees who are not familiar with investing and assessing risk can select an asset-allocated portfolio that matches their risk tolerance and investment strategy. Slavic Mutual Funds Management Corporation (the investment advisor) offers three distinct portfolios for aggressive, moderate and conservative investors. The portfolios are rebalanced once per year to maintain targeted risk levels. MULTIPLE EMPLOYER PLAN The Multiple Employer Plan captures one of the best features of an employee leasing company — its size. By co-adopting Elements master plan, you become part of a plan with conceivably thousands of participants and millions of dollars in plan assets. An important element of the plan design is that the individual company does not need to adopt its own plan document or be solely responsible for the fiduciary compliance of the plan. Each company that co-adopts the master plan is individually tested for compliance with IRS and DOL guidelines. For retirement plan purposes, the work-site company is the common-law employer.

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LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE WHAT’S THE DIFFERENCE BETWEEN DISABILITY INSURANCE AND WORKERS’ COMPENSATION INSURANCE?

Disability insurance only covers non-work related accidents, whereas Worker’s compensation is only for work related incidents. SHORT TERM DISABILITY COVERAGE

Everyday illnesses or injuries can interfere with employees ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short term disability coverage can pay up to 60% of their income, so employees can focus on getting better, and worry less about keeping up with their bills.

DID YOU

KNOW?

THE TOP SIX REASONS OUR CUSTOMERS USE THIS BENEFIT: 1. Normal pregnancy (19%) 2. Injuries (11%) 3. Complications from pregnancy (8%) 4. Digestive disorders (8%) 5. Back disorders (7%) 6. Cancer (7%)

LONG TERM DISABILITY COVERAGE

Serious illnesses or accidents can come out of nowhere. Employees can interrupt their life, and their ability to work for months – even years. Long term disability can pay up to 60% of employees income, so employees have financial support to manage their disability and their household.

BENEFITS SUMMARY $25,000

$50,000

LIFE INSURANCE

$75,000 LIFE BENEFIT

EMPLOYEE LIFE BENEFIT AMOUNT $25,000 $50,000 $75,000 EMPLOYEE LIFE NON-MEDICAL MAXIMUM The Employee Life non-medical maximum is equal to the overall maximum. EMPLOYEE LIFE BENEFIT REDUCTION FORMULA Life Benefit Reduces to: 65% at age 70; and 50% at age 75

AD&D INSURANCE

EMPLOYEE AD&D BENEFIT AMOUNT $25,000 $50,000 $75,000 EMPLOYEE AD&D BENEFIT REDUCTION FORMULA Life Benefit Reduces to: 65% at age 70; and 50% at age 75

ElementsGroup.com 800.827.4660

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LONG TERM DISABILITY INCOME PROTECTION INSURANCE BENEFITS SUMMARY UNUM’S GROUP LONG TERM DISABILITY INCOME PROTECTION OFFERING IS DESIGNED TO HELP THE EMPLOYER: Provide sound financial protection in the event of a disability Increase productivity and performance Meet diverse employee needs at every life stage Attract and retain skilled employees MONTHLY BENEFIT 60% of monthly earnings to a maximum benefit of $5,000 per month. DEFINITION OF DISABILITY 2 Year Regular Occupation Zero-Day Residual Accelerated Elimination Period Work Incentive Benefit during the first 12 months of disability payments

GENERAL INFORMATION REGARDING BENEFIT TAXABILITY AND INTEGRATION: IN GENERAL, THE LTD MONTHLY PAYMENT WILL BE TAXABLE: If the Employer pays the premiums and employees’ salaries are not grossed-up to include premiums as taxable income. If the Employees pay premiums with pre-tax dollars. If Employees share payments of premiums with the employer, a portion of the benefits will be taxed. IN GENERAL, THE LTD MONTHLY PAYMENT WILL NOT BE TAXABLE If Employees pay premiums with post-tax dollars. If the Employer pays the premiums and employees’ salaries are grossed-up to include premiums as taxable income. The LTD monthly payment may be reduced by amounts the employee receives or is entitled to receive from deductible sources of income (offsets) and disability earnings.

ELIMINATION PERIOD 180 Days 30 Day Accumulation Feature

COVERAGE EXCLUSIONS AND LIMITATIONS LIMITATIONS 24 months Mental Illness Limitation

BENEFIT DURATION 2 Year ADEA SOCIAL SECURITY INTEGRATION Primary and family

EXCLUSIONS 3/12 Pre-Existing Condition* Intentionally self-inflicted injuries Active participation in a riot Loss of Professional License, Occupational License or Certification Commission of a crime for which the employee has been convicted War, declared or undeclared, or any act of war Incarceration

STANDARD PLAN FEATURES INCLUDED IN BENEFITS Work-life balance employee assistance program Worldwide emergency travel assistance services Rehabilitation and Return to Work Assistance Program Dependent Care Benefit Guaranteed Insurability Full Maternity Benefits 3 Month Lump-Sum Accelerated Survivor Benefit Indexed Pre-Disability Earnings “Freeze” in Cost of Living Increases from Deductible Sources of Income Waiver of Premium for employees receiving LTD payments 12 Month Rehire Provision Comparative Reporting and Analysis Minimum Monthly Benefit - greater of $100 or 10% of the gross disability payment

* A “PRE-EXISTING CONDITION” MEANS THE INSURED EMPLOYEE Received medical treatment, consultation, care or services including diagnostic measures or took prescribed drugs or medicines in the 3 months just prior to his/her effective date of coverage; and the disability begins in the first 12 months after the employee’s effective date of coverage.

ElementsGroup.com 800.827.4660

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SHORT TERM DISABILITY INCOME PROTECTION INSURANCE IN GENERAL, THE STD WEEKLY PAYMENT WILL NOT BE TAXABLE If Employees pay premiums with post-tax dollars. If the Employer pays the premiums and employees’ salaries are grossed-up to include premiums as taxable income.

PLAN DESCRIPTION WEEKLY BENEFIT 50% of weekly earnings to a maximum benefit of $1,000 per week DEFINITION OF DISABILITY Residual Disability ELIMINATION PERIOD INJURY SICKNESS

30 days 30 days

BENEFIT DURATION

22 weeks

For nontaxable STD payments, Unum will provide periodic information to enable the Employer to elect who prepares all W-2s and associated W-2Cs. The STD weekly payment may be reduced by amounts the employee receives or is entitled to receive from deductible sources of income (offsets) and disability earnings.

STANDARD PLAN FEATURES INCLUDED IN BENEFIT Rehabilitation and Return to Work Assistance Program Guaranteed Insurability Full Maternity Benefits Minimum Weekly Benefit of $25 12 Month Rehire Provision Comparative Reporting and Analysis

COVERAGE EXCLUSIONS OCCUPATIONAL SICKNESS OR INJURY Intentionally Self-Inflicted Injuries Active Participation in a Riot Loss of Professional License, Occupational License or Certification Commission of a Crime for which the employee has been convicted Incarceration War, declared or undeclared, or any act of war

GENERAL INFORMATION REGARDING BENEFIT TAXABILITY AND INTEGRATION IN GENERAL, THE STD WEEKLY PAYMENT WILL BE TAXABLE If the Employer pays the premiums and employees’ salaries are not grossed-up to include premiums as taxable income. If the Employees pay premiums with pre-tax dollars. If Employees share payments of premiums with the employer, a portion of the benefits will be taxed. For taxable STD payments, Unum will provide periodic information to enable the Employer to deposit the Employer’s FICA match, administer all FUTA/SUTA obligations, and to elect who prepares all W-2s and associated W-2Cs. If the Employer would like to streamline its IRS tax payment and reporting obligations, contact a Unum representative to learn about our FICA Match service.

ElementsGroup.com 800.827.4660

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YOUR BROKER PROGRAM SPECIALIST

OUR PROGRAMS OFFER

Broker Program Specialists play a vital role in helping Elements identify and secure new clients. An inside sales position, a Broker Program Specialist builds relationships with brokers from professional employer organizations (PEOs) nationwide. A Broker Program Specialist provides fee quotes and closings for requests for proposals (RFPs) sent by PEO brokers. Elements can produce PEO and ASO proposals nationwide to help provide PEO/ASO solutions for our Brokers book of business.

Simplified Quoting 48-72 business hour turnaround time

GTD Approved Rates Extended Class Codes Appetite Pay As You Workers Compensation Insurance A Rated A.M Best Insurance Carrier

While its main focus is relationship development and sales with referral brokers, the Broker Program Specialist position offers some direct sales opportunities through networking events and trade shows. The Broker Program Specialist also is your main point of contact for any customer service inquires for PEO brokers.

BROKER

Q&A

Q: Does the broker have a minimum book of business they must submit? A: No, Brokers are not required to submit a set minimum of business to continue to work with Elements Q: How are commission earned? A: Commission are paid by the following: On a percentage of GAP On a percentage of Admin Set Up Fees Q: When are commission paid? A: Commissions are paid the following Friday of the 15th the following month after the payroll is run

Broker Incentive Programs Nationwide Program

BROKER COMPENSATION ________________________ _______________________ CLIENT ID NUMBER

PROSPECT/CLIENT: _________

________________________ _______________________ SALES REPRESENTATIVE

___________________________

BROKERAGE FIRM NAME:

___________________________

ESTIMATED GROSS ANNUAL

___________________________

PEO/ASO BROKER INQUIRES

800.827.4660 OR INQUIRIES@ELEMENTSPEO.COM

_________________

___________________________

_______________

COMMISSION

______________% OF GROSS

ANNUAL PAYROLL

______________% OF BILLED ADMINISTRATIVE FEE ______________% OF BILLED HEALTH CARE PREMIUM S $_____________ OF SET UP FEE Non-Solicitation: Broker agrees that during the term of this Agreement and for will not, either directly or a period of two (2) years indirectly, on its own behalf, from the date of termination or on behalf of any person, any business from any client of this Agreement, it entity, partnership, or business of Elements or any prospectiv association, solicit or attempt for the purpose of providing e client of Elements, with whom Broker had material to solicit products or services that contact during the term of are competitive with those this Agreement provided by Elements. Compensation of Broker: PEO Broker that sells under this PEO Broker National above for the first year of Account arrangement will the sale. The commissio receive the appropriate commissio n will tier down 25% of the category checked above. appropriate category for n as agreed Elements reserves the right years 2,3 and thereafter to amend or change the commissio of the account. Set up fees based on the appropriate are not commissionable n and broker program without after initial term of agreement notice depending on the profitability of new account. BROKER NAME: __________________

___________________________

SIGNATURE: _________

___________________________

Q: How long are commission paid on an account? A: Compensation of Broker: PEO Broker that sells under this PEO Broker National Account arrangement will receive the appropriate commission as agreed above for the first year of the sale.

_____________

___________________________

PAYROLL: __________________

__________

___________________________

___________________

ONLY

NAME: __________________

___________________________

SIGNATURE: _________

DATE: __________________

___________________________

ELEMENTS INTERNAL USE

___________________________

DATE: __________________

__________

___________________________

inquiries@ElementsPEO.com

___________________

ElementsPEO.com