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Summer 2016
health. wealth. life.
In Pursuit of What Matters Most.
contents 3
A Letter from Terry Horan, President & CEO
EDUC AT ION
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HORANalytics®: Data-Driven Decisions to Achieve Better Outcomes Bonfiglioli USA Partners with HORAN Retirement Advisors HORAN’s New Tool Guides Employees Through Financial Stages of Life
EEOC Issues Final Rules on Wellness Programs
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Pop Icon Prince Gives Us Reason to Finalize That Estate Plan
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HORAN Hosts Social Security & Medicare Education Sessions
COMMUNIT Y
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HORAN in the Community
CL IEN T FE AT URE
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Wellness Works: The Gorilla Glue Company Client Spotlight: Xavier University
HOR AN EDUCATION SERIES August 31
Improving the State of Your Employees’ Retirement Readiness - Cincinnati
September 15
HORAN Wellness Roundtable Series - Cincinnati
September 22
Innovative Solutions to Positively Impact Health Care Cost Trends and Mitigate Risk - Dayton
October 13
HORAN Wellness Roundtable Series - Cincinnati
November 3
HORAN Wellness Roundtable Series - Kentucky
November 9
Market Update: The Impact of the 2016 Election
Please join us in welcoming our new corporate clients! - American Trim - City of Xenia - Esther Price Candies Corporation - Graphel Corporation - Shawnee State University
- The Devine Group - The Dynamic Catholic Institute - Tri-County Extended Care - Triple E Partners
Cover: The image on the front cover features two Xavier University campus icons: Bellarmine Chapel and Alter Hall. Bellarmine Chapel was founded in 1927 and the present chapel was built in 1962. Alter Hall has been the central classroom building for Xavier University in the 20th century. The building was renovated in 2014 and completed for the 2015 fall semester. These two buildings represent the old and new coming together on campus—serving as the heartbeat of Xavier University’s Jesuit values.
health. wealth. life.
Look for us online!
Visit the HORAN Newsroom at www.horanassoc.com to view the online version of health.wealth.life. |2|
In Pursuit of What Matters Most. Welcome to the 2016 summer issue of the HORAN magazine. You will find many client stories that highlight our areas of expertise as well as examples of how we have implemented creative solutions to improve outcomes for our clients. As the cover suggests, we feature our long-standing partnership with Xavier University. Our shared values and commitment to our communities create a strong bond. We also highlight the story of Bonfiglioli USA and their partnership with HORAN Retirement Advisors to improve employee retirement readiness. Our Wellness Works section features a good story about our work with The Gorilla Glue Company and the success of their health management program. By the way, we use Gorilla Glue® at home and it’s a wonderful product. While on the subject of wellness, Rakel Sanchez, who joined our Health Management group in April, provides an overview of the Equal Employment Opportunity Commission’s final rules on wellness programs. Tyler Dierkers, who leads our Employee Benefits Financial Analyst Team, discusses the value of studying claims data to design improved benefit programs. After reading about the pop icon Prince, you will want to engage in meaningful estate and financial planning so you don’t leave your heirs a financial mess to clean up. HORAN continues to be recognized by local, state and national organizations and we continue to work in the community so that we grow together in our ability to attract great people who want to live and work in the region. Enjoy the rest of these summer days and please know we deeply appreciate your business and confidence. Most sincerely,
Terence L. Horan, CLU, ChFC President & CEO of HORAN TerryH@horanassoc.com
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A letter from Terry Horan
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education
HORANalytics
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Data-Driven Decisions to Achieve Better Outcomes Employers have access to countless data points relating to their benefit plans. The amount can be overwhelming and information can be complex. The goal is to synthesize this data and put it into context to drive a meaningful strategy that meets goals and objectives. This is the centerpiece of HORAN’s approach to data analytics.
HORANalytics® By the Numbers • 11 department members • Support 175 corporate clients • Analyze claims data on over 150,000 plan members • Evaluate over $1 billion in medical billed charges per year
What Is HORANalytics® and Why Does It Matter?
HORANalytics is a dedicated think tank on a mission to investigate, understand and control health care costs, the second biggest line item in an employer’s budget. Harnessing the collaborative power of the entire HORAN Financial Analyst team, HORANalytics helps to effect change that improves outcomes for both an employerprovided health plan and its plan members. HORANalytics is used to determine health plan risk, identify cost drivers and pinpoint utilization risk. Simply put, it identifies what isn’t working in a plan so it can be fixed, and highlights what is working so it can be strengthened. What differentiates HORANalytics is the Financial Analyst team’s commitment and expertise as well as the group’s independence and agility. The department’s sole focus is claims analysis, financial forecasting and trend identification. This allows the team members to quickly respond to client needs and requests.
The Value HORANalytics Provides
HORANalytics is utilized to answer three important questions clients are faced with when evaluating their benefit offerings: What happened? Why did it happen? What is going to happen? From a more granular perspective, HORANalytics is able to dive deeper to uncover more specific findings relating to plan strategy, costs, risk, chronic conditions, medical utilization and pharmacy utilization. HORAN’s approach is to make sure employers know how their plans are performing and understand the best actions for their benefits strategy. HORAN does this in a variety of ways, including Plan Performance Reviews, executive summaries and quarterly reporting.
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Pictured (Left to Right): Luke Roell, Nick Meiszer, Brian Fissinger, Zak Mueller, Jovanni Railey, Luis Garfias, Daker Monroe, Kaitlin Campbell and Tyler Dierkers. Not pictured: Jack McDermott and Kerry Campbell.
These reports and executive summaries highlight benchmarks and compare key data trends. The data story ultimately helps to develop short-term and long-term benefits strategies as well as defines tangible actions to deliver improved outcomes for the plan.
HORANalytics in Action
HORANalytics was used recently to identify cost savings opportunities for a client. The HORAN Financial Analyst team conducted a thorough review of the employer’s claims utilization, plan design, contributions, benchmarking and financial structure. As a part of the renewal process, HORAN carried out a Request for Proposal (RFP) on the Stop Loss policy. Through this process, it was discovered that the employer (ABC Company) had a plan member with a rare condition that typically requires an outpatient therapy costing over $34,000 per month. The Stop Loss carrier was considering a laser on this individual based on the diagnosis alone. Lasering is a Stop Loss practice of setting higher coverage attachment points for certain plan members based on prior claims experience or the likelihood that they will become high-cost claimants in the future.
The data revealed that the plan member was not on the suspected outpatient therapy but rather had been under a controlled, lesscostly treatment for the past three years. The detailed claims information and analysis resulted in the Stop Loss carrier removing the $450,000 laser being considered and agreeing to a 120-day lock-in prior to effective date. The result of removing the laser was a risk avoidance of up to $250,000 in additional laser liability. “What is most rewarding about my role is being able to sit with a client to pinpoint and alleviate all questions and concerns they may have, then see the positive results from our established strategy and recommendations. Data drives decisions. If you don’t understand health care data, you can’t make informed, impactful decisions. The Financial Analyst team’s sole mission is just this: analyze claims to drive benefit strategy,” said Tyler Dierkers, CEBS, Financial Analyst Leader at HORAN. HORAN continually invests in dedicated analytical talent, technology and specialized expertise. This delivers the exponential power of collective minds, allowing HORAN and the client to make the mostinformed decision to benefit the plan.
ABC Company’s open enrollment period was fast approaching so the issue was extremely time sensitive, but with HORAN’s immediate access to the claims data, they were able to pull the data from the past three years for the plan member and analyze it quickly.
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education
Bonfiglioli USA Partners with HORAN Retirement Advisors to Improve Employee Retirement Readiness Bonfiglioli USA, the Kentucky-based subsidiary of Bonfiglioli Group, and a global leader in supplying cutting-edge utilityscale power conversion system solutions, has achieved incredible growth. The company’s profits skyrocketed from $3 million in 2002 to $142 million in 2015. In order to attract and obtain employee talent, Bonfiglioli USA works to make its employee benefits affordable and provides its employees with benefit education. One of the core focus areas for the company is helping its employees improve their retirement readiness. “Bonfiglioli greatly values the importance of retirement savings. We asked Karl Diebold, Vice President at HORAN Retirement Advisors, to provide retirement planning education for Bonfiglioli employees in order to increase our plan participation,” said Scott Guy, Chief Financial Officer at Bonfiglioli USA. Diebold educated Bonfiglioli employees during group meetings and one-on-one sessions. He also created a customized savings analysis report for each employee,
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helping employees better understand the true savings rate needed to attain their individual retirement goals. The result of HORAN Retirement Advisors’ employee education efforts was a 10% increase in plan participation rate and an 11% increase in the total savings rate. The average contribution rate for those who attended a one-on-one meeting with Diebold went from 3.57% to 7.05%. “We plan to continue to push retirement planning education to help our employees prepare for their future,” said Guy. “Our next focus is to encourage non-participants to enroll in the plan. We believe this individualized educational approach will help us realize our 90+% participation goal.”
THE RESULT WAS A 10% INCREASE IN PLAN PARTICIPATION RATE AND AN 11% INCREASE IN THE TOTAL SAVINGS RATE. |6 |
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HORAN’s New Tool Guides Employees Through Financial Stages of Life Knowledge is power. No matter where your employees are in life, the more they know about handling their finances, the better chance they have of reaching their goals. Education is crucial to investment and retirement planning. HORAN Retirement Advisors meet one-on-one with employees to offer investment education and guidance. The HORAN Retirement Advisor education strategy ensures employees have the information needed to plan a successful retirement. In an effort to get every individual on the right path to achieve Total Financial Wellness, HORAN Retirement Advisors is pleased to announce a new self-service, online tool for our clients and their employees. The HORAN Financial Resource Center is an educational, interactive tool that guides an individual through the stages of his or her financial life. Sample topics include budgeting, borrowing money, college planning, Social Security, Medicare, Estate Planning and Tax Planning. There is a printed Financial Planning guidebook for employees to accompany the online resource center. Please contact a member of the HORAN Retirement Advisors group at 800.544.8306 to request a copy of the Financial Planning guidebook or to learn more about the HORAN Financial Resource Center.
THE HORAN FINANCIAL RESOURCE CENTER is an educational, interactive tool that guides an individual through the stages of his or her financial life.
BUDGETING
BORROWING MONEY
INTERESTED IN LEARNING MORE? Contact HORAN Retirement Advisors at 800.544.8306.
MEDICARE
SOCIAL SECURITY
COLLEGE PLANNING
ESTATE PLANNING
TAX PLANNING
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education EEOC Issues Final Rules on Wellness Programs Rakel Sanchez Health Management Director Regulations applicable to employer-sponsored wellness programs continue to evolve under the law, changing the landscape faster than we can blink. Most recently, the new Equal Employment Opportunity Commission (EEOC) issued final regulations under the Americans with Disabilities Act (ADA) and Genetic Information Nondiscrimination Act (GINA). These regulations were released in an effort to align several federal laws, including the Health Insurance Portability and Accountability Act (HIPAA) and the Affordable Care Act (ACA), as well as to address complaints in recent court hearings. Furthermore, confidentiality limits have been outlined to protect the employee’s individually identifiable information.
The EEOC rules aim to ensure wellness programs promote good health and do not merely exist to shift cost or deny access to health coverage, but support a culture of health for both the employer and employees. The final EEOC’s rules provide that the following requirements must be met: • Programs must be reasonably designed to promote health or prevent disease.
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Programs must be considered voluntary for employees and eligible spouses. Programs may not require the employee to participate or deny coverage under a health plan for non-participation. Employers must provide employees with a notice that explains the medical information that will be obtained, how it will be used, who will receive it and the restrictions on disclosure. Wellness programs that ask questions about employees/spouses health or include medical examination may offer incentives of up to 30% of the total cost of employee-only coverage (financial or in-kind). If spouses participate, they are eligible to receive up to an additional 30% of the total cost of employeeonly coverage.
Employer-sponsored wellness programs have recently grown in complexity. The EEOC final regulations under the ADA and GINA provide additional framework to consider. Additionally, employers must consider the rules under HIPAA and the ACA that may pose conflicting requirements. Employers should seek assistance from their trusted advisor to provide a gap analysis to assess their wellness program in light of these new regulations and engage legal counsel where appropriate.
The effective date of these regulations as it relates to new disclosure requirements and incentives is the first day of the plan year beginning on or after January 1, 2017.
Rakel Sanchez Joins HORAN Health Management Rakel Sanchez joined HORAN as a Health Management Director in April. She works directly with clients to design and implement customized wellness solutions that drive engagement and optimize employee health. Rakel helps clients navigate program design and implementation, vendor selection, benchmarking & evaluation and provides recommendations based on business needs and desired outcomes. She engages in wellness research & analysis and leads HORAN Health Management education for clients. Rakel has 10 years of experience in the Health and Wellness industry. She previously worked for Blue Cross and Blue Shield of Florida where she served as Program Manager supporting the development and growth of the Health Promotion & Wellness program with the organization’s strategic accounts.
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Pop Icon Prince Gives Us Reason to Finalize That Estate Plan This article was written by Rick Thomas, Chief Executive Officer of Thomas Financial. Thomas Financial is a firm located in Tampa, Florida, that focuses on estate planning and wealth transfer for high-net-worth individuals and firms as well as business continuation and executive benefits for both the public and private sectors. The world was in shock last month when news broke that the legendary pop icon Prince died unexpectedly in his home at the age of 57. Then came the realization that he has no known will, like roughly 55% of American adults, according to LexisNexis. Without a complete and proper estate plan you may lose control over how your assets are distributed at your death. As of now, Prince’s sister has filed documents to open probate to begin dividing up his estate—a lengthy undertaking considering his assets have been estimated at more than $300 million. Prince is an extreme case, but it reminds us of the importance of planning for both the management of your assets during your lifetime and the distribution of your assets upon your death.
1. TAKE INVENTORY: Assemble a list of your current assets and liabilities to help your estate planning professional calculate your current net worth and determine if you already have or could potentially have a taxable estate. 2. MAKE A WILL: Last will and testaments provide clear, specific directions on how you want your estate distributed after death. If you die without a will, known as intestate, your property and assets will pass to heirs according to state law, which may differ dramatically from what you intended. 3. ESTABLISH A TRUST: A trust can protect, hold and manage your assets and make the process of administering the estate easier. It may also allow money, managed by a trustee, to be set aside and made available to your children when they reach certain ages. 4. NAME A GUARDIAN FOR MINOR CHILDREN: Although a difficult topic, naming a guardian in your will may enable you to rest assured knowing your children will be well cared for in the case of your early passing. 5. MAKE ADDITIONAL CONSIDERATIONS FOR A BLENDED FAMILY: A marriage with children from a previous relationship may call for special estate planning needs. Oftentimes one wants to provide for the new spouse while also ensuring assets and property are passed down to their own children. It is important these details are in writing. 6. REVIEW YOUR LIFE INSURANCE: Life insurance can be used to pay estate taxes, transfer wealth and ensure family businesses pass successfully to the next generation. However, assumptions such as crediting rates and premium payments may have changed since your policies were issued and adjustments may need to be made. Periodic reviews can help ensure your life insurance is performing as expected. 7. DON’T STICK IT IN THE DRAWER: Don’t be lulled into a false sense of security once your initial estate plan is in place. It isn’t something that can be done once and forgotten. It is a living, working document that should be reviewed every few years and updated as necessary.
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education HORAN Hosts Social Security and Medicare Education Sessions Chris Mihin, Account Executive, Individual Health & Medicare at HORAN, and Michael Napier, Vice President, HORAN Wealth, have developed a special education series on the topics of Medicare and Social Security. Chris and Michael have presented to several clients, partners and friends of the firm. The sessions help employees navigate Medicare and Social Security as they prepare for retirement. Since beginning the series earlier this year, they have given 24 presentations. They plan to continue to offer these sessions on an ongoing basis as both of these issues continue to evolve with changes in government legislation. Contact 800.544.8306 if you are interested in having Chris and Michael present for your employees or are looking for more information on the topics of Medicare and Social Security.
Chris Mihin, Account Executive Individual Health & Medicare
Michael Napier Vice President, HORAN Wealth
Dr. Abdur Chowdhury, Chief Economist at Capital Market Consultants, Inc., Gives Update on U.S. and Global Economy
#TRENDING at HORAN Employee Benefit Adviser names HORAN to List of Top 5 Employee Benefits Firms in Ohio #WeAreHORAN @EBAmagazine Financial Advisor Magazine Ranks HORAN Capital Advisors as #413 and HORAN Wealth Management as #532 among top Registered Investment Advisors in the United States We’re Social! Follow us today on Twitter and Instagram @horan1948.
health. wealth. life.
HORAN Wealth Management hosted an exclusive event for clients, partners and friends of the firm on Thursday, May 26, 2016, at Trio Bistro. The event featured a presentation from Dr. Abdur Chowdhury, Chief Economist at Capital Market Consultants, Inc. and HORAN’s economic research partner. Dr. Chowdhury spoke about the state of the U.S. and global economy. Dr. Chowdhury is an expert in global economic analysis and forecasting. He is a Professor of Economics in the College of Business Administration at Marquette University and also serves on the Chicago Federal Reserve Board’s Academic Advisory Council.
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community HORAN Goes “Over the Edge” for Big Brothers Big Sisters of Greater Miami Valley
HORAN was honored to support Big Brothers Big Sisters of Greater Miami Valley during the organization’s August 5 “Over the Edge” event. HORAN’s Sherry Weaver, Heather Bellau and Stephanie Yenn, pictured above with Erik Freudenberg, Vice President and Dayton Market Leader, rappeled down the 27-story KeyBank building in Downtown Dayton as a part of their fund-raising efforts to support Big Brothers Big Sisters of Greater Miami Valley. The HORAN team raised more than $3,000 for the organization, which provides children facing adversity with strong and enduring, professionally supported, one-on-one mentoring relationships.
Record Number of Golfers Attend 13th Annual HORAN All For One Golf Classic Tickets sold out two weeks in advance for the 13th Annual HORAN All For One Golf Classic, which occurred on Monday, August 15. This year’s event offered a morning and afternoon golf flight and was followed by a post round reception that included food, drinks, live and silent auctions as well as a preview of the upcoming college basketball season from Xavier University’s men’s and women’s basketball coaches.
The annual HORAN All For One Golf Classic outing serves as the signature fund-raising event for the Xavier Athletic Department and helps to support all of Xavier’s varsity sports programs. Over the past 13 years, the HORAN All For One Golf Classic has generated nearly $1.5 million in proceeds for the All For One Fund and Xavier student-athletes.
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Julie Highley Named Finalist for Clermont County Chamber of Commerce’s Business Woman of the Year Award
Julie Highley, Senior Vice President at HORAN, was a finalist for the Clermont County Chamber of Commerce Business Woman of the Year Award. The award recognizes female business leaders who are influential in their companies, industries and communities and are shaping the economic future of Clermont County through their contributions. Julie, a resident of Clermont County, leads the Sales Organization at HORAN to deliver the most innovative products, competitive rates and best possible value. Her specific efforts to help the community in Clermont County are: United Way–Eastern Area Action Council Chair; Greater Cincinnati United Way–Executive Committee and Board of Advisors; Goering Center– Board of Advisors; Kiwanis; Leadership Cincinnati–Class 39; and United Benefit Advisors–Member.
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client feature
HWL • CLIENT FEATURE
WELLNESS WORKS
THE GORILLA GLUE COMPANY STICKS TO WELLNESS
Headquartered in Cincinnati, Ohio, The Gorilla Glue Company is known for being the go-to brand for adhesives and tape products that tackle the Toughest Jobs on Planet Earth. Products include the incredibly strong, all-purpose adhesive Gorilla Glue®, Gorilla Tape®, Gorilla® Super Glue and many others. The O’Keeffe’s Company was added to the portfolio in 2010. O’Keeffe’s Working Hands and O’Keeffe’s Healthy Feet are top-selling skin care products that provide guaranteed relief for extremely dry, cracked skin. In order to recruit and retain the top talent required to compete in the worldwide $1 billion glue market, The Gorilla Glue Company invests in a comprehensive employee benefits package that includes wellness initiatives.
A STEADY, FOCUSED IMPLEMENTATION PLAN
ago by implementing a corporate wellness program. Ongoing communication began a year in advance of the implementation date to notify employees of the upcoming changes. Leadership and Human Resources partnered together to ensure that employees were aware of the wellness program’s mission, which was linked directly to The Gorilla Glue Company business model. “Our strategy is to move the company forward by attracting and retaining top talent. We want to encourage healthy behaviors, reduce benefit costs and improve overall health,” said Yvette Walker, Human Resources Benefits Manager at The Gorilla Glue Company. The Gorilla Glue Company hopes to improve employee productivity through wellness as well.
The Gorilla Glue Company began its wellness journey five years “Healthy employees are more productive employees. If you have employees with chronic conditions, they need to be out of the office more often, which results in absenteeism. When they are at work, they might be distracted or not fully checked-in, resulting in presenteeism, which also can detract from productivity,” said Walker. “We strive to keep our employees healthy and more productive through our wellness program.”
Scott Silver, Health Management Director at HORAN, works directly with clients like The Gorilla Glue Company to create customized wellness plans built around their specific organizational and employee needs. Scott utilizes the HORAN Health Management Way™ to provide a focused, strategic approach to help clients manage and improve their employees’ health to positively control the cost of health care.
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A HOLISTIC VIEW OF WELLNESS The Gorilla Glue Company’s wellness program is designed to promote holistic wellness. The company aims to develop healthier employees overall—physically, emotionally, mentally and spiritually. The physical program components include biometric screenings, onsite health coaching, free gym memberships & additional gym reimbursements, worksite fitness classes, injury prevention seminars, communication in newsletters and during monthly company meetings, wellness challenges and Water Bar Wednesdays to promote hydration. Additionally, employees are offered unlimited telephonic coaching
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sessions through the Employee Assistance Program to discuss numerous topics including stress management, financial management and basic tax planning. In order to encourage participation, The Gorilla Glue Company ties biometric screening results and employee participation to the premium an employee pays as part of his or her health insurance coverage. The more health risk factors (e.g. cholesterol, blood pressure) that an individual passes (meets or exceeds set criteria), the better premium discount he or she will receive. More than 85% of employees and spouses participated in biometric screenings in 2015. The screenings have helped employees become more aware of their current health status, and, in some cases, uncovered serious health conditions. “When we first implemented our wellness program five years ago, there was an employee who had never had a routine physical. During his exam that year, his doctor discovered that the employee had prostate cancer and was able to immediately begin treatment. This employee credits us with helping save his life and today, he remains cancer-free,” said Walker.
LOOKING AHEAD & PLANNING FOR THE FUTURE The Gorilla Glue Company uses data analysis to track the short and long-term success of its wellness program. “HORAN has been fabulous. They provide data including COHORT reports (take data from a given dataset and break it into related groups for analysis) that help us rebuild historical data we lost when we switched carriers. The clinical and financial data they provide gives us the whole picture,” said Walker.
HEADQUARTERS Cincinnati, Ohio
KEY HUMAN RESOURCES & BENEFITS PERSONNEL Tracey Gampfer Director of Human Resources Yvette Walker Human Resources Benefits Manager
INDUSTRY Glues, Adhesives, Tapes and Skin Care
The Gorilla Glue Company plans to continue incorporating wellness initiatives in its employee benefits strategy. As for the future of the wellness program, Walker says, “We want to keep moving down this path. I want to continue to monitor new trends in wellness and understand how the Affordable Care Act is going to impact what we do in terms of wellness.”
Biometric Screenings & Onsite Health Coaching
Free Gym Memberships, Worksite Fitness Classes & Wellness Challenges
Employee Assistance Program
Water Bar Wednesdays & Free Bottled Water for Manufacturing Staff to Promote Hydration
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client feature
HWL • CLIENT FEATURE
Client Spotlight: Xavier University
LEARNING, SERVING & ACHIEVING TOGETHER Learn, serve and achieve together. This is the motto by which Xavier University students, faculty and staff live within the 190 acres located along Dana Avenue and Victory Parkway in Cincinnati, Ohio, and words they carry with them throughout the rest of their lives. As one of 28 Jesuit universities in the United States, Xavier University offers a distinct learning, working and living environment to its 7,000 undergraduate and post-graduate students, faculty and staff. One of the key foundations of Jesuit learning is being an engaged part of both the Cincinnati and global communities, a passion that Xavier University’s current President Michael J. Graham, S.J., has led since becoming Xavier’s 34th president in 2001. “The distinctiveness of a Jesuit education stems from its deep-rooted history (the first Jesuit school opened in 1548 in Sicily) grounded in academic rigor and Jesuit values. Jesuit higher education is committed to academic excellence, service, leadership and caring for the whole person,” said Maribeth Amyot, Executive Vice President and Chief Financial Officer at Xavier University. While Xavier is grounded in a nearly 470-year-old tradition, the past 15 years, under the leadership of Fr. Graham, have been one of the most transformative periods in Xavier history. “Fr. Graham has invigorated Xavier’s Jesuit tradition of serving society by educating students intellectually, morally and spiritually,” said Connie Perme, Associate Vice President of Human Resources at Xavier University. Perme has served as a critical component of the University’s staff since 1989. Xavier has been listed among the top six U.S. News and World Report Midwest universities for more than a decade and is one of The Princeton Review’s “Best 377 Colleges in America”. Amyot credits Xavier University’s success and stellar reputation to its foundation in Jesuit education, the
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people of Xavier (including Leadership, the University board, faculty, staff, alumni and fans) as well as to the value that the University delivers to students. “With the benefit of an outstanding board, we have made strategic decisions that have led to results such as growing our undergraduate enrollment; offering new academic programs; continuing our tradition of outstanding graduation rates and post-graduation placement rates; attaining higherthan-average student diversity and enrolling first-generation college students; creating mentorships, internships and other experiential learning opportunities; developing our physical campus and technology systems; offering exceptional community service opportunities; successfully moving to the Big East conference; developing our campus edge in Evanston and Norwood; maintaining a safe environment for our students, employees and guests; and more,” said Amyot. Perme says the University’s transformation over the last 25 years has been nothing less than extraordinary and also extends credit to dedicated faculty and staff as well as Xavier’s state-ofthe-art facilities. “Employee benefits is one of the key factors in allowing us to recruit good talent and retain good talent who live the Xavier mission and believe in our mission,” said Perme. “We partner with HORAN to help us stay current on changes in the health care industry, assist our employees in understanding their benefits and help us focus on things we might not have known to necessarily focus on.” Xavier University and HORAN have a long-standing partnership beginning in 2000, when HORAN began providing scholarship support to Xavier students. HORAN has been the title sponsor for the HORAN All For One Golf Classic for 13 years in a row, contributed $120,000 towards student scholarships through the HORAN Free Throw Challenge and hired 16 Xavier graduates including M.B.A. students.
HORAN is proud to be able to offer financial support through scholarships again this year, supporting undergraduate students attending Xavier University and enabling them to be empowered by the Xavier spirit: All for One and One for All. As a new class begins their journey on August 22, Xavier University is preparing to welcome new faces; greet returning students, faculty and staff; and look forward to a bright future. “We are always excited when a new academic year begins. We welcome a new class of undergraduate and graduate students and reconnect with our continuing students who have advanced to the next year in their programs. Just imagine the vibrancy and energy that comes from over 1,000 new freshmen on campus every year, beginning their collegiate journey and the bittersweet excitement in the spring for those who are graduating and moving into the world as Xavier alumni,” said Amyot.
“HORAN and Xavier share a long-standing relationship,” said Fr. Graham. “We hold mutual interests and common values that shape how we do what we do. We appreciate the expertise that HORAN brings to the business aspects of the University as well as the impactful support for scholarships and student programs.”
HORAN advocates for clients to maximize benefits, minimize costs and improve physical and financial wellness. They work to identify and understand clients’ organizational challenges and then collaborate to put strategies in place that will achieve their desired outcomes.
Judi Meyer, HORAN’s Health Benefits Account Manager for Xavier University
Xavier is ranked #6 overall among Midwest universities.1 Within six months of graduation, 96% of members of the class of 2015 were employed, in graduate school or on a volunteer assignment. There are nearly 100,000 Xavier alumni. Famous grads include Former Speaker of the House John Boehner, NBA star David West and Chuck Geschke, Chairman of Adobe Systems. 1. U.S. News & World Report
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4990 East Galbraith Road Cincinnati, Ohio 45236
We’re Social! Follow us on Twitter & Instagram @horan1948
CORPORATE HEADQUARTERS
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4990 East Galbraith Road Cincinnati, Ohio 45236 513.745.0707 800.544.8306
2480 Kettering Tower 40 North Main Street Dayton, Ohio 45423 937.610.3700
5650 Blazer Parkway, Suite 177 Dublin, Ohio 43017 614.734.8406
Columbia Executive Center 207 Grandview Drive, Suite 100 Fort Mitchell, Kentucky 41017 859.572.4500
www.horanassoc.com