MS Business Report

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Business Report march 2013

PRMC to expand services to Sussex County ALSO INSIDE

Green Businesses

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AccelerAte receivAbles improve pAyment prActices invest excess cAsh leverAge online technology ensure Access to credit

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All loans are subject to credit approval and may require automatic payment deduction from a PNC Bank Business Checking account. Origination and/or other fees may apply. Merchant Services provided by PNC Merchant Services Company and are subject to credit approval. Next-day funding valid on payment processing transactions when deposited to your PNC Bank Business Checking account. PNC and PNC Merchant Services are registered marks of The PNC Financial Services Group, Inc. (“PNC”). Cash Flow Options is a service mark of The PNC Financial Services Group, Inc. © 2012 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member fdic

Business Report | March 2013

Alejandro Creative director Robotic lung surgery at 48 Back to pluckin’ three days later

Thanks to a da Vinci® robotic procedure, lung cancer patients have a new surgical option.

The most effective, least invasive surgical treatment available today is offered at Bayhealth—including lung cancer surgery. Our experienced surgeons perform the most complex and delicate procedures through incisions just millimeters in length using the da Vinci Surgical System. The result? Less pain, less scarring, less time in the hospital and a faster return to normal activities. If you’re facing surgery for lung cancer, explore the possibility of robotic surgery with us.

Learn more at bayhealth.org/robotics.

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Business Report | March 2013

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Business Report Vol.16 No. 6

302-856-1544 | info@georgetowncoc.com www.georgetowncoc.com Mar.6 - Chamber Economic Development Council Meeting from noon - 1 p.m. at Georgetown Wesleyan Church, North Bedford St. ext.

Lunch provided and all welcome! Call 856-1544 for details.

Mar.6 - Chamber Board of Directors Meeting at 4 p.m. at the Chamber Office, Georgetown.

Mar.13 - Chamber Breakfast Meeting from 7:30-8:30 a.m. at Lighthouse Landing Restaurant, Sussex County Airport in Georgetown.

Special Guest Speaker - Mark Cathell of Decorating Delmarva. $9 per person. RSVP by Tues., March 12 by calling 302-856-1544.

Mar. 20 - Chamber Mixer from 4:30-6:30 p.m., hosted by the Joshua M. Freeman Foundation (to be held at the Georgetown Chamber Office, 229 East Market St.) Hear all about the great arts programming coming to The Freeman Stage and to Sussex County this season.

Mar.27 - Chamber Luncheon Meeting from noon-1 p.m. at the CHEER Center on Sand Hill Rd. in Georgetown. Special Guest Speaker Jeffrey Fried of Beebe Medical Center. $10 per person. RSVP by Tues. March 26 by calling 302-856-1544.

Mar. 30 - 13th Annual Georgetown Easter Egg Hunt from 11 a.m. - 1 p.m. at the Nutter Marvel Museum grounds in Georgetown.

Coloring contest, moon bounce, pictures with the Easter Bunny, a magician, face painting, craft & food vendors, train rides, and egg hunts!

EDITOR

Daniel Richardson COMPOSITION

Cassie Kraemer Elaine Schneider Tina Reaser SALES

Chris Redman Rick Cullen Sutton Joseph Greg English C O N TA C T

Risk Control

Captives

Workers Compensation

Morning Star Publications 302-629-9788 P.O. Box 1000 Seaford, DE 19973

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Focusing on the ambition and innovation that make Delaware businesses unique.

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lyonsinsurance.com Wilmington 302.658.5508

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Business Report | March 2013

Rehoboth 302.227.7100

03/13

inside 18

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CHAMBER NEWS

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GUEST COLUMN Top 3 ways to manage your length of credit

By JOHN ROWLEY

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GUEST COLUMN

Is your company’s employee benefit plan compliant?

COVER STORY PRMC expanding services to Millsboro

By Michael Malchione, Cpa

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BUSINESS LICENSES

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BUSINESS DIRECTORY

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FEATURE STORY Find out what these local businesses do to help our environment

By CAROL KINSLEY

GUEST COLUMN Ecotourism a major draw in Southern Delaware

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By JAMES DIEHL

HEALTH REPORT

On the Cover The PRMC campus in Salisbury.

Photo courtesy of PRMC

Business Report | March 2013

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CHAMBER NEWS

Chamber

Phone

Key contact

Dues*

Members

Fax

Bethany-Fenwick Chamber of Commerce

539-2100

David Martin

$211

800

539-9434

Delmar Chamber of Commerce

846-3336

Diane Johnson $75

67

846-3336

Georgetown Chamber of Commerce

856-1544

Karen Duffield

$150

460

856-1577

Laurel Chamber of Commerce

875-9319

Don Dykes

$125

125

875-5908

Lewes Chamber of Commerce

645-8073

Betsy Reamer

$210

432

645-8412

Milford Chamber of Commerce

422-3344

Jo Schmeiser

$165

310

422-7503

Millsboro Chamber of Commerce

934-6777

Amy Simmons

$150

260

934-6065

Milton Chamber of Commerce

684-1101

Georgia Dalzell $150

120

684-1101

Rehoboth-Dewey Chamber of Commerce

227-2233

Carol Everhart $215

1303

227-8351

Seaford Chamber of Commerce

629-9690

Paula Gunson

$150

340

629-0281

Central Delaware Chamber of Commerce

734-7513

Judy Diogo

$225

868

678-0189

Delaware State Chamber of Commerce

655-7221

Bill Stephano

$299

2800

654-0691

Delmarva Black Chamber of Commerce

450-4501

Clay Hammond

* Annual membership cost based on businesses with fewer than 10 employees. For Delaware State and Central Delaware chambers membership cost figure is for 1-5 members. For Delaware State Chamber special rate applies if business already belongs to another chamber.

ANYTIME FITNESS RIBBON CUTTING The Central Delaware Chamber of Commerce recently joined Anytime Fitness of Camden to celebrate their grand opening and ribbon cutting ceremony. Staff members, clients, CDCC members and Central Delaware Honorary Mayor (Steve Artz) attended the ceremony. Anytime Fitness of Camden is the fitness center that fits your on-the-go lifestyle. You can exercise any time using your own security access key. For more information, visit Anytime Fitness of Camden at Camden Town Center, 386 Wal-Mart Dr., Ste. #1-4, Camden, or call 302-698-4496.

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Business Report | March 2013

PEPPERS RIBBON CUTTING The Rehoboth Beach-Dewey Beach Chamber of Commerce held a ribbon cutting ceremony for Peppers recently. The Hearn family has been in the food business in Delaware since 1919. Their newest concept is putting all facets of their business together in a grand re-opening of Peppers. Peppers is now located at 17601 Coastal Hwy., Unit 1, in the 5 Pointe Plaza Shopping Center. Pictured from left: Becky Carney, Delaware Beach Book; Kris Charles, Jessica Charles, Debbie Ozoroski, Bob Ayers, Christina Eastburn, Rachel Johnson, Chip “The King of Wings” Hearn, Shante Seth, Margaret Hicks, Lisa Young, Meghan McCalley – RBDBCC; Cierra Seth, and Bobbi Engel, Techno Goober.

Care Health Mart celebrates grand opening

2012 BUSINESS OF THE YEAR The Rehoboth Beach-Dewey Beach Chamber of Commerce (RBDBCC) presented the 2012 Business of the Year Award to Delaware Beach Life – Terry Plowman, publisher at the annual Volunteer Recognition and Officers’ Installation Dinner recently. Plowman came to the area from Baltimore many years ago working as a junior reporter for the Coast Press. After owning a restaurant for 10 years, “The Front Page,” he returned to the Coast Press as editor. Plowman decided to create his own publication and Delaware Beach Life was first published in 2002. Delaware Beach Life has garnered over 50 awards for writing, editing, photography and page design and in 2009 won the prestigious Magazine of the Year from the International Regional Magazines Association. Shown here is Plowman with RBDBCC board member Chris Weeks.

Care Health Mart pharmacy celebrated its grand opening at 1404 Forrest Ave., Dover. Dr. Kidane Geda, and family members opened the doors to welcome fellow Central Delaware Chamber of Commerce members and the west Dover community to his new Health Mart pharmacy.

“Health Mart is a strong and recognizable brand in independent pharmacies across the country,” said Dr. Geda. “Our goal was to open a wellrespected community pharmacy that will deliver the highest level of personal care and quality service to Dover residents and their families. We look forward to meeting our patients and getting to know them personally.”

“In the world of chain pharmacy, productivity is measured by the number of prescriptions filled. It is my mission to make certain that my clients’ health is protected from harm through my experience and diligence and knowing them and making them aware of the choices they have. It is why I decided to venture out on my own.

Locally-owned businesses help keep our area strong and growing. This is a real benefit for healthcare consumers and our community."

Business Report | March 2013

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Chamber installs new board of directors The Rehoboth Beach – Dewey Beach Chamber of Commerce (RBDBCC) installed their new board of directors at its annual Volunteer Recognition & Officers’ Installation Dinner held recently at the Atlantic Sands Hotel & Conference Center.

The chamber’s board includes 20 members representing the following business categories: accommodations, retail, real estate, restaurants & eateries, services, and attractions.

Board members serve and move through the executive committee chairs providing a new chairman of the board annually.

Executive Board/Officers - Keith Martin, Hotel Rehoboth, chairman of the board; Paul Kuhns, Arena’s Deli, first chair; Jay Becker, Hudson, Jones, Jaywork & Fisher, second chair; Steve Montgomery, The Starboard Restaurant/Bethany Blues, third chair/treasurer; Matt Turlinski, Lighthouse Inn Bed & Breakfast, immediate past chairman Board of Directors - Wendy O. Baker, Ocean Atlantic Associates; Marvin Carney, MLC Productions; Jerry Esposito, Tidewater Utilities, Inc.; Chip Hearn, Peppers/Ice Cream Store; Bill Klemkowski, Jake’s

Seafood House; Dale Lomas, Crossswinds Motel/ Atlantic Liquors; Rob Marshall, Atlantic Oceanside Motel; Michael Meoli, McDonald’s/Hampton Inn; Steve Montgomery, The Starboard Restaurant/ Bethany Blues; Kyle Morgan, Mercantile Processing Inc.; Scott Swingle, WSFS Bank; Chris Weeks, Becker Morgan Group; Kay Wheatley, Rehoboth Products Company; Susan Townley Wood, The Cultured Pearl/ Grub Grocery/The Shops at Pearl; Rachel Webster, Rehoboth Toy & Kite Co. CEO/President - Carol Everhart

DOVER RENT-ALL TENTS & EVENTS RIBBON CUTTING The Rehoboth Beach-Dewey Beach Chamber of Commerce held a ribbon cutting ceremony recently for Dover Rent-All Tents & Events who has been providing party and wedding rentals to Delaware and Maryland for weddings, parties and commercial events since 1966. From their centrally located facility in Dover, Dover Rent-All Tents & Events offers over 80 diverse tent sizes, tables, chairs, china, glassware, flatware and table linens. For more information, visit www.

TentsEvents.net. Pictured from left are Bettina Hannah and Meghan Clapp.

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Business Report | March 2013

PHIPPIN’S CABINETRY & RENOVATIONS RIBBON CUTTING

Chamber recognizes Candy Kitchen The Rehoboth Beach-Dewey Beach Chamber of Commerce (RBDBCC) recognized Candy Kitchen Shoppes, Inc. for 50 or more years in business at the annual Volunteer Recognition and Officers’ Installation Dinner recently. The first candy store was opened by Sam Taustin on Coastal Highway in 1937.

Originally Taustin brought taffy and fudge from candy makers in Philadelphia, until his brother-in-law, Kurt, said he wanted the family to make its own. Bruce Leiner, Sam Taustin’s nephew, now owns and operates the Candy Kitchen Shoppes.

From mid-June through August, Leiner has 300 employees. Many shops are shut down for the winter. The first Candy Kitchen of Rehoboth Beach opened at 102 Rehoboth Ave. in 1963 and the latest store opened on Highway One in 2009. Shown here is Josh Leiner with RBDBCC board member Bill Klemkowski.

The Rehoboth Beach-Dewey Beach Chamber of Commerce held a ribbon cutting ceremony for Phippin’s Cabinetry & Renovations recently. Phippin’s Cabinetry & Renovations has been “Making Our Customer Feel At Home” since 1974. They serve the entire Eastern Shore area and are proud to announce their new showroom location at 20807 Coastal Hwy., Rehoboth Beach. For more information, call 302-212-2189 or email phippins@comcast.net. Pictured from left: Jeff Evans, Great Scott Broadcasting; Debra Vadala, George Phippin, Kim Thornes, Patty Burkentine, RBDBCC; Bobbi Engel, Techno Goober, and Joe Burton.

New executive board of directors The Chamber of Commerce for Greater Milford announces their 2013 Executive Board of Directors. Executive Board President is Mike Kazala, general manager of Delmarva Broadcasting. Executive Vice

President is Angela Dorey, owner/operator of Dorey Insurance & Financial Services.

Artisans’ Bank Assistant Vice President and Milford Branch Manager, Deanna Smith will serve as executive treasurer and Milford Wal-Mart Manager Stephanie Edwards is serving as executive secretary. For questions concerning the Chamber of Commerce for Greater Milford, call 422-3344 or email milford@milfordchamber.com.

Business Report | March 2013

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CNU FIT RIBBON CUTTING C N U Fit celebrated its grand opening and ribbon cutting recently at 1404-2 Forrest Ave., Dover. C N U Fit Founder and CEO, Evans Armantrading, and staff opened their doors to neighboring businesses, CDCC members and clients. C N U Fit is a full service weight management, fitness and general health company that offers a unique coaching methodology centered on helping people reach and maintain their optimal health through customized fitness, nutritional and educational programs. For more information, contact Armantrading at info@cnufit.com or call 302-689-3489. Photo provided by Terry Tolson of T & T Enterprises

KCI TECHNOLOGIES RIBBON CUTTING The Central Delaware Chamber of Commerce joined KCI Technologies to celebrate their grand opening with a ribbon cutting ceremony recently. Employees, friends, family and CDCC members came out to celebrate. “We’re really excited about the opportunities that the new Dover office brings to KCI, including housing several disciplines locally and improving our ability to provide our full range of services to clients throughout the Delmarva region,” said office manager Dan String, PE. KCI is located at 614 N. DuPont Hwy., Dover. For more information on KCI Technologies, visit www.kci.com or call 302-747-5999.

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Business Report | March 2013

PAPA JOHN’S RIBBON CUTTING The Rehoboth Beach-Dewey Beach Chamber of Commerce held a ribbon cutting ceremony for Papa John’s Pizza recently. Celebrating their grand opening, owners Daniel and Maryann Ramirez were joined by their staff and members of the Rehoboth Beach - Dewey Beach Chamber of Commerce Meet & Greet committee. The pizza shop is located at 19330 Lighthouse Plaza Blvd., Rehoboth Beach.

For more information and a full menu, call 302-226-PZZA (7992). From left: Shelley Kavanagh – WSFS Bank, Kris Heffentrager, Rontoino Jones, Seth Linsenbach, Amanda Hastings, Kevin Campbell, Daniel Ramirez, Maryann Ramirez, Jason Mariner, George Bullock, Kelsey Arnold, Tarrie Miller – WSFS Bank, Mark Lawson, Mike Ciavarelli – WSFS Bank, Gabriela Soto, and Syad Ahmed – WSFS Bank.

Village Improvement Association recognized The Rehoboth Beach-Dewey Beach Chamber of Commerce (RBDBCC) presented the 2013 Mae Hall McCabe Award to the Village Improvement Association at the annual Volunteer Recognition and Officers’ Installation Dinner recently. The Mae Hall McCabe Award is a distinguished award given to a citizen or citizens who exemplify community service and is sponsored annually by the chamber.

The Village Improvement Association of Rehoboth Beach has been improving the quality and character of the city since the group was established in 1909.

Started by a small group of active women who wanted to improve pedestrian safety at the crosswalks on Rehoboth Avenue, the VIA has grown to 213 members and counting. As the largest organization member of the Delaware State Federation of Women’s Clubs (DSFWC), the VIA and its members volunteer countless hours of their time to local community projects, groups and events. Shown here, Caroline Billingsley of the association accepts the award on the behalf of the group from RBDBCC board member, Mike Meoli.

Joan Verplanck to lead DSCC The Delaware State Chamber of Commerce and its board of directors have announced the hiring of Joan Verplanck as its new president and CEO. Verplanck, who led the New Jersey Chamber of Commerce for 15 years, succeeds former DSCC president Jim Wolfe, who retired in July 2012.

Verplanck brings to Delaware the benefits of a career managing chambers, large and small, in two states. As president of the New Jersey Chamber of Commerce, a position she assumed in 1995, she more than doubled the staff and increased assets by $2 million.

Prior to assuming her post at NJCC, Verplanck served as president of the Morris County Chamber of Commerce from 1987 to 1995, and president of the Greater Woonsocket Chamber of Commerce in Rhode Island from 1982 to 1986.

Verplanck received her education from Wayne State University in Detroit, Mich., and completed the six-year Institutes for Organization Management certification program at the University of Delaware. She went on to chair the Delaware Institute Board of Regents and to serve on the faculty, ultimately chairing the National Board of Trustees.

Business Report | March 2013

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GUEST COLUMN

Top 3 ways to manage your length of credit

By John Rowley

When your FICO score is calculated by credit bureau software, 15% comes from the length of your credit history. The length of your credit history is exactly what it sounds like; how long your credit cards have been open. Unlike other parts of your credit score, there is no quick fix to improve the length of your credit history. The only way to improve a damaged length of credit is over the course of years.

Since it takes an extended amount of time to build up your credit history, the best thing you can do is protect the length of credit you have already established. Here are 3 tips to help ensure your length of credit remains as long as possible: 1. Never close credit cards. If you must close cards as part of a financial recovery plan, close the newest cards first. If you close a card that is 10 years old, you lose all of that credit history length and will reduce your overall credit score.

2. In lieu of closing older cards with higher interest rates, use them less often

than other cards. It is important to continue to use your card at least once every six months on small purchases like a tank of gas. Then pay off the balance in full. If you don’t use your cards on a regular basis, credit card companies will deem your cards “inactive” and may stop reporting your card to the credit bureau and you will lose all of that established length of credit.

3. Even if your oldest card has an annual fee that you don’t want to pay, keep the card open. It is worth the extra $60 a year to the tens of thousands of dollars a good credit score can save you. Avoid opening other cards with an annual fee to avoid this situation in the future.

When calculating your credit score, credit bureau companies take your length of credit history seriously. They assume the more history they have on you, the more accurate their assessments of your reliability.

Also, the longer you have had a credit card open, the less likely you are to default

on the balance. It is important, when it comes to your credit, to establish not only a positive payment history, but to prove you are a desirable credit customer in the long run.

You are entitled to a free copy of your credit report once a year, an offer you should take advantage of. You can obtain at www.annualcreditreport.com. When you do receive your credit report, check to ensure the figures are accurate and act quickly to correct any mistakes. This may include any clerical errors, identity theft issues or incorrect information.

If your credit score is low, you should begin working on a financial rehabilitation plan with a Credit Repair Specialist, to begin correcting your credit profile.

John Rowley is the President of Angle Financial Services. John has over 20 years experience reviewing credit reports. He can be reached at 302-735-PLAN (7526) or on the web at: www.AnglePlanning.com

April’s

Business Report Leisure

Reserve your space today.

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Business Report | March 2013

Business briefs Lyons Companies honored Captive Resources and the Affinity Insurance, Ltd. has awarded its 2011-2012 Top 5 Affinity Broker Award to Delaware based Lyons Companies. Criteria for this award includes client retention, premium growth, risk control assessment scores and client loss ratios. The award was presented during the January Affinity Board meeting in Grand Cayman. The Affinity Captive, domiciled in the Cayman Islands, is the second largest heterogeneous captive in the world. Lyons Companies has placed over 90 clients in the captive insurance market. “This award acknowledges the success of our risk management and customer service models,” said David F. Lyons Sr., president and CEO of Lyons Companies. “Our captive clients like this alternative to traditional insurance, especially as workers compensation costs continue to increase.”

Johnson joins Shore Bank W. Thomas Mears, Shore Bank president and chief executive officer has announced that James C. Johnson has been appointed to senior vice president and senior credit officer for Shore Bank. Johnson brings 25 years of commercial real estate and agricultural lending in the Delmarva region. He will be based in the loan production office in Rehoboth Beach.

Prior to joining Shore Bank, Johnson was a relationship manager for Wilmington Trust Company and M&T Bank following its acquisition from Johnson Wilmington Trust.

Previously, he served as vice president and senior lender for The Felton Bank and as vice president and relationship manager with PNC Bank and its predecessors, Mercantile Peninsula Bank and Mercantile Baltimore Trust Company.

Johnson earned his bachelor of science degree in business administration/marketing from Salisbury University and master’s in business administration from Wilmington College.

Strine named new VP Sharon R. Strine has been named vice president for strategic development and marketing of Connections Community Support Programs, Inc. Strine has vast experience in the leadership of marketing, communications and development strategies for business, higher education and nonprofit organizations.

A native of Delaware, Strine Strine recently developed strategic marketing plans for the University of Virginia in Charlottesville, Va. Previously, she spent eight years at the Delaware State Chamber of Commerce in core senior management and executive director roles. She is known as a leader in entrepreneurial, impactful programs for business in Delaware.

Connections provides a comprehensive array of healthcare, housing, and employment opportunities that help individuals and families to achieve their own goals and enhance our communities.

Marshall Auctions offers online auctions Doug Marshall of Marshall Auctions is breaking new ground in the real estate auction world by offering online property auctions.

“The online auction platform and software we are using, paired with our strategic marketing plans allows us to expose our auction properties to bidders and buyers all over the world. They don’t have to travel long distances to attend an auction and don’t experience the anxiety of bidding on the spot in front of a large crowd,” says Doug Marshall, president of Marshall Auctions.

The Internet has revolutionized the real estate auction process, allowing potential buyers from anywhere to search for properties all over the world at any time, when it’s convenient for them. Bidders are able to view photos and see important documents relating to the sale without having to visit the property or search the land records at the local courthouse. For more information, visit www.MarshallAuctions.com or call 410-7498092.

Beach to Bay Publishing purchases guide Beach To Bay Publishing, Inc. has purchased the Chesapeake East Calendar Guide.

The guide will be rebranded to Beach To Bay Times, and will return in March as a free publication with distribution in over 100 specialty boutiques, retail shops, galleries, restaurants and pharmacies within Dorchester, Wicomico, Worcester, Somerset and Sussex counties.

Beach to Bay Publishing is led by Molly (Ignasias) Hilligoss who serves as editor-in-chief. Hilligoss, a native of the Eastern Shore, resides in Worcester County, Maryland, with her husband and two children.

Delaware 302 re-launches as new company Delaware 302 is announcing its reorganization into a company focused on providing technology and information solutions for businesses, organizations, non-profits, and townships of all sizes at www.Delaware302. com.

Originally conceived in 2011 as an online clothing and merchandise retailer, which used the state’s area code (302) both as the company/product logo, and as a way to display Delaware pride, the company has gained more notice for the technology services and website design talents of owner Phil Wojcik.

“We were surprised to find that there was a greater demand for my information and web services than for the clothing and merchandise we were producing,” said Wojcik.

“We will continue to promote Delaware pride, but now our focus will be on doing that through providing outstanding technology solutions.”

The new Delaware 302 provides website and graphic design services, information solutions including information portals, business communications and social media support, and technology services in the form of website solutions, ecommerce solutions, hosting solutions and data management.

Business Report | March 2013

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ILC Dover to open new plant Engineering development and manufacturing firm ILC Dover will bring 115 new jobs to Delaware after moving the manufacturing operations of its recently acquired subsidiary, Grayling Industries, to a new plant in Sussex County later this year.

The newly constructed plant near Seaford will allow Grayling to move its current production facility in Juarez, Mexico, to the United States. That production line includes Guardian™ protective packaging for food, chemical, and pharmaceutical dry powder and liquid applications. Grayling also manufactures the leading brands for the asbestos abatement and remediation industry worldwide, including Avail™ glove bags, D-Con™ decontamination enclosures, and Control™ chemicals.

William Wallach, CEO of ILC Dover, worked together with Gov. Markell and Delaware Economic Development Office Director Alan Levin to make this transition as easy as possible.

“We are excited to have the opportunity to bring jobs back to the United States and

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Business Report | March 2013

the State of Delaware,” Wallach said. “ILC Dover and Grayling Industries will continue to grow as we help our customers and bring innovative products to the market.”

Frederica-based ILC Dover, known for making spacesuits for NASA, the airbag system for the Mars Rover and Personal Protection Equipment for military, homeland security and industrial users, purchased Grayling earlier this year to complement its flexible containment products for the pharmaceutical industry. While Grayling’s manufacturing operations are moving to Delaware, the subsidiary’s offices will remain in Alpharetta, Ga. As part of the agreement to move Grayling’s manufacturing operations to Delaware, ILC Dover has requested a Strategic Fund Performance Grant in the amount of $364,500 for the creation of 115 new full-time positions in the state. The company also requested a Strategic Fund Capital Expenditures Grant in the amount of $187,860, or a 3 percent match on qualified capital expenditures up to and including $6,262,000. The funding is contingent on

approval by the Council on Development Finance.

ILC Dover plans to move the first line of products to Delaware in April, when it will hire 35 to 40 new positions, and complete the move of the other production lines by the end of 2013, when it plans to fill all 115 positions. The company will employ roughly 560 people once the new positions are filled.

The facility selected is located on Whitehurst Drive just off Stein Highway, west of Seaford. The property is owned

by Westminster, Md.-based Development Corporation of America and was marketed

by Sperry Van Ness Senior Advisor John McClellan, CCIM and advisor Tom Knopp.

The company will initially occupy 72,000 square feet in the 121,500 square foot complex. Sussex County Council President Michael H. Vincent said ILC Dover’s decision to bring good-paying manufacturing jobs to the area will provide a “shot in the arm” for Seaford and western Sussex County. For more information about ILC, visit www.ilcdover.com.

Business Report | March 2013

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Business Report | March 2013

COVER STORY

PRMC to open new health pavilion in Sussex County

S

ince 1897, Peninsula Regional Medical Center has been charged with a mission to provide the highest quality of care to everyone on the Delmarva Peninsula — Delaware, Maryland and Virginia. As part of that mission, PRMC has been providing a solid base of care in Sussex County for decades.

Through the PRMC-affiliated primary care physicians located throughout the county, the highest level specialty services provided at PRMC and the wellness screenings that occur all year round, Peninsula Regional Medical Center is very much a part of Delaware. This summer, Peninsula Regional will be taking another step toward bringing healthcare closer to home for the residents of Sussex County with the opening of the Delmarva Health Pavilion at Millsboro.

The 48,000-square-foot space will provide additional medical providers to see more patients and bring specialized physicians to the doors of a growing community that is currently medically underserved. It will house physicians who can diagnose health conditions early in order to provide preventive measures and opportunities for non-surgical interventions where appropriate. This preventative approach is part of a national healthcare trend in the United States; a model focused on the health of a population is where the health care system

is heading. For decades, Peninsula Regional has been working toward a population-based healthcare approach for the overall health and wellSpecialty care physicians will soon be bringing their being of the people of expertise to serve patients at the Delmarva Health Pavilion the Delmarva Peninsula, in Millsboro. and the creation of the Delmarva Health Pavilion at Millsboro is vide exceptional healthcare close to home. an essential part of that effort.

The advent of the Delmarva Health Pavilion Sussex County’s tremendous, rapid helps to ensure that exceptional care will be growth is a driving factor — the population available even closer to the homes of Sussex is expected to grow by 8.6% over the next County community members. five years. Currently, there are more than “The need for a wide range of healthcare 100,000 people within a 20-minute drive services and chronic disease management is from the center of Millsboro. In addition, expected to significantly increase in the next healthcare reform has allowed, or will soon allow, millions of Americans access to insurhalf decade in Sussex County,” said PRMC ance and healthcare that may not have prePresident and CEO Peggy Naleppa. “We’re viously been available to them. Every day, honored to partner with the local community 10,000 people turn 65 and join Medicare. and the physician specialists opening pracBy bringing a range of multi-disciplinary tices here, to provide those services now and services close to home for Sussex County, well into the future.”

Peninsula Regional is striving to meet the With a solid foundation in populationhealth needs of this population in a comprebased healthcare for all the communities it hensive, convenient manner. serves, Peninsula Regional Medical Center The Delmarva Health Pavilion at is poised to continue to meet the healthcare Millsboro will help residents to live longer, needs of residents on Delmarva for another more productive lives, benefitting the entire 115 years. community. PRMC continually seeks to proBusiness Report | March 2013

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green C

BUSINESSES

By Carol Kinsley

Find out what these local businesses do to help our environment

Fifer Orchards Fifer Orchards in Wyoming, Del., isn’t just “going green,” it’s always been green and growing.

Probably the biggest and most overlooked thing Fifer’s is doing for the environment is keeping land in open space. “When you do that, you retain habitat for wildlife, animals and native plants,” Mike Fennemore said.

The open space includes not just the areas where fruits and vegetables are grown but wooded areas and the mill pond where wildlife and waterfowl abound.

“We’ve been here more than 90 years,” Fennemore continued. “This is a fourth generation family farm. The land is our livelihood so we treat it with respect and care.

A lot of our techniques are conservation focused.”

Trickle irrigation, for example, is low energy. It doesn’t require high pressure so it uses less fuel. The pumps are smaller but provide big savings because water is put right at the root zone of the plant. Trickle irrigation also reduces disease, such as mildew which sometimes occurs when water is applied over the whole plant.

“Also at this time of year we use a lot of cover crops to eliminate erosion on fields.

A lot of times those crops — small grains, wheat or barley oats — do not go to harvestable crops but are tilled into the ground.”

“We plant winter cover crops to reduce erosion in our fields. Small grain crops such as winter wheat or barley provide ground cover and their root systems hold the topsoil 18

Business Report | March 2013

in place so it doesn’t run-off during flooding rains or high winds. In the spring, we can either harvest the grains, use it for organic matter in the soil, or plant pumpkins no-till by using the straw as a pillow for the pumpkins to grow upon. This also reduces rots significantly in pumpkins.

Another “green” technique implemented at Fifer’s is a strict crop rotation policy.

For the health and productivity of the soil, like-crops are not grown continuously in the same field. Grain farmers generally alternate corn and soybeans crops.

Fifer Orchards fruit and vegetable farm has a policy of three-plus years before planting the same crop, feeling it’s best to be on the conservative side to further reduce the chances of pests pressures building. The wide diversity of fruit and vegetable crops at Fifer’s allow this to be possible.

Soil sampling may not sound environmentally friendly, but it’s all about knowledge, Fennemore added. “We’re looking for as much information as we can gather on the soil profile: the macro and micro nutrients, organic matter and pH. Taking all that information into account, we get an accurate diagnosis of what the soil needs, if anything.

“We do the same with pest management.

We do a lot of trapping to monitor insects so we know in advance what to expect. We use pheromone disruption to confuse insects, so it reduces populations.”

Monitoring helps establish an economic threshold so farmers know when to it’s necessary to treat for an insect problem.

Fifer’s also recycles all trash produce, such as rotten tomatoes, by spreading it on the fields for organic matter.

Delaware Electric Cooperative

Turning landfill gas into electricity and using the sun to power Delaware homes, Delaware Electric Cooperative is dedicated to providing members with sustainable, affordable and reliable energy.

CNC Solar

CNC Solar, obviously, is going green by helping replace electricity provided by fossil fuel with emission-free solar power.

That’s why Nancy Moore, sales manager, got into the business seven years ago.

She works in renewable energy, she said, “because I want to save the planet. Anything we can do to produce electricity from renewable energy helps save fossil fuel resources, which are finite. The earth is one big battery and we have been draining it.”

CNC Solar is offering several seminars in March on solar electricity for home or business. Choose from one of the following sessions: March 6, 6 p.m., Rehoboth Beach Public Library; March 12, 5:30 p.m., Milford Public Library; March 19, 6:30 p.m., Del Tech in Georgetown; or March 26, 5:30 p.m., Kent County Public Library in Dover.

To register, call Moore at (302) 260-9245.

The seminars will explain how solar works and the true, low cost of solar energy.

Attendees will receive a free roof analysis, after which CNC can figure individual return on investment. Gary Cannon, a partner in the business, said the price of solar installations has dropped 75 percent in the last three years as more producers enter the market and tech-

Delaware Electric Cooperative sets aside an amount of money every year to help customers with financing renewable energy projects from solar panels to geothermal systems to wind systems. Spokesman Jeremy Tucker warned that the grants are first-come, first-serve and applicants usually have to wait a couple of years because there is so much interest. “So many people are installing solar or wind turbines, so it takes a while to receive funding for renewable projects.”

Members have to apply to the co-op and then get approved, but won’t receive funding immediately. “There’s a long list on our website waiting,” Tucker said members won’t have to wait much longer for power generated by their cooperative’s own solar energy farm.

Construction started on 20 acres of solar panels on East Trap Pond Road, west of Georgetown, in January.

“We expect things to ramp up over the next couple of months,” Tucker said. “We’ll be generating power in May.” In February, crews were installing temporary fencing and building roads to get materials in. The next step is to lay a foundation for the panels, then install them and connect to the grid. Motech Americas in Newark is manufacturing 16,000 solar panels for this project. “We’re using Delaware solar contractors for the project,” Tucker said. “We’ve created 40 temporary jobs for Delawareans.”

In the first year of operation, the solar farm nology improves. Panels are guaranteed for 25 years but work for 40 to 50 years.

Federal tax credits are still available for systems installed through 2016. State grants are available in some municipalities to Delmarva Power customers.

CNC provides a turnkey solution: all the paperwork, installation, getting the meter swapped out and a master electrician to make the final hook up. CNC tries to use panels from Motech in Newark, Del., or Mage in Georgia. To date, CNC has installed more than 3,400 solar panels, the equivalent of almost 800 kilowatts.

will prevent more than 12 million pounds of carbon dioxide from being released into the atmosphere, the equivalent of taking 1,200 cars off the road. The 14 million dollar project will produce enough energy to power about 500 homes. The project is not expected to have an immediate impact on rates for members.

There is room to expand the farm to 40 acres in the future, generating enough electricity to power 1,000 homes.In another “green” measure, the cooperative has signed an agreement to purchase energy produced at Sandtown Landfill in Kent County. The Delaware Solid Waste Authority facility captures methane from decomposing materials. The methane is pushed through engines which cover the gas to electricity, which will be sent directly to members’ homes. “ Ameresco, a Massachusetts company focused on renewable energy projects will construct new engines, to be purchased by Delaware Electric Cooperative, which will increase production from 4 megawatts to 6 megawatts. Tucker said the methane-based energy is “much cleaner than energy produced at a coal-fired plant.”

Delaware Electric Cooperative has invested considerably in making its system more efficient, including updating equipment and replacing lines, Tucker said. This means less electricity is lost as it moves through the system to members’ homes.

To bring it into environmental terms, Nancy said, “this means that the solar we have installed prevents 638 metric tons of carbon dioxide per year from entering the environment. This is the same as: • Removing 133 cars from the road • Not burning 71,532 gallons of gasoline • The carbon sequestered by 523 acres of U.S. forest • Planting 16,361 new trees; or • Recycling 239 tons of waste, instead of sending it to the landfill …each year!”

NEW Series of FREE Solar Seminars New Info, even if you’ve been to a previous seminar!

Attend one of these sessions and learn:

Join Us for an All New Solar Seminar:

• All about solar leasing & how it benefits you • How to get quarterly checks from solar • How a state grant can improve your ROI • How solar works • The true LOW cost of solar energy

3/06 - Rehoboth Library, 6:00 3/19 - Del Tech, Georgetown, 6:00 3/12 - Milford Library, 5:30 3/26 - Kent County Library, 5:30 323 Rehoboth Ave

Call 302.260.9245 for more info or to register Rehoboth Beach, DE

877.440.9590 www.cncsolar.com

Business Report | March 2013

19

green C

BUSINESSES

George Sherman Corp.

George Sherman Corporation helps its customers "go green" by visits to examine the building's heating, venting and air-conditioning equipment, looking for opportunities to eliminate waste and increase efficiency. The company has done the same analysis on its own facilities, said Andy Cannon, operation/sales manager.

"We updated our own heating and air conditioning and in one case put in a high efficiency condensing boiler, something we are suggesting to our consumers."

The replacement for the old oil boiler is a "combi boiler," which is 97 percent efficient.

A combi boiler, or combination boiler, provides all the heat and hot water a small home needs while saving on operating and installation costs.

Combi boilers do not store domestic

hot water but heat water from cold mains directly as it is used. There is no hot water cylinder. Cannon said, "The combi boiler most definitely made a difference here and in customers' homes." He recently visited a new home with a combi boiler and was amazed at how well it circulated water.

Most of the company's projects convert fossil fuel systems to high efficiency gas units or geothermal systems.

Ductless systems have no duct leakage and offer a high SEER rating of 21, compared to a rating of 14 or 15 SEER (Seasonal Energy Efficiency Ratio) rating for most systems. Cannon noted that maintenance such as cleaning air filters and checking ductwork can save up to 30 percent of fan energy and up to 10 percent of space conditioning energy use.

“Committed to Customer Service” 

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Tankless Water Heaters

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Air Conditioning

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Maintenance Contracts

Free Energy Evaluation and home efficiency screening…

Just Mention this ad!!

302-645-5267

Visit our Solutions Center at 33759 Clay Rd, Lewes www.georgeshermancorp.com • gcs@gscnet.net

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Business Report | March 2013

Homeowners can help make a cleaner Chesapeake Bay Watershed Upon the release of the Chesapeake Bay Foundation's (CBF) State of the Bay Report, SoLitude Lake Management, an industry leader in lake, pond and storm water basin management, fisheries management and related environmental services for the mid-Atlantic and surrounding states, recommends actions that homeowners, homeowner associations, and property management associations can take to help reduce pollution and contamination as run off that ultimately funnels to the Chesapeake Bay watershed.

“What most home and landowners in the watershed don't realize is that everything they do to their lawn, lake, pond, or storm water basin eventually effects the Chesapeake Bay,” says owner Kevin Tucker.

SoLitude Lake Management recommends the following actions to be taken by homeowners, homeowner associations, and property management associations as part of maintaining a healthy watershed: • Do not blow leaves or grass clippings into lakes, ponds, streams, ditches, storm drains or storm gutters.

• Outfit lakes, ponds and storm water basins with an aeration system to reduce the nutrient loading and slow the flow of nutrients into the natural waterways funneling into the Chesapeake Bay. • Maintain a healthy and vegetated buffer along all shorelines of lakes, ponds, storm water basins, swales, ditches, and any other area through which water flows to help sequester nutrients before that water reaches the natural waterways.

• Throughout your watershed, monitor and repair areas of erosion or bare soil with grasses or other vegetation to prevent further erosion and soil with nutrients washing into the water body.

Learn more about SoLitude Lake Management at www.solitudelakemanagement.com.

Changes to contracting program for women-owned businesses Women-owned small businesses will have greater access to federal contracting opportunities as a result of changes included in the National Defense Authorization Act of 2013 (NDAA) to the U.S. Small Business Administration’s Women-Owned Small Business Federal Contract Program.

“This new law is a prime example of how the Obama Administration is embracing a more inclusive view of entrepreneurship, helping small businesses and America succeed,” said SBA Administrator Karen Mills.

“Today, women own 30 percent of all small businesses up from just 5 percent 40 years ago. As one of the fastest growing sectors of small business owners in the country, opening the door for women to compete for more federal contracts is a win-win.”

The NDAA removes the anticipated award price of the contract thresholds for women-owned small businesses (WOSB) and economically disadvantaged womenowned small businesses (EDWOSB) to allow them greater access to federal contracting opportunities without limitations to the size of the contract.

“This is an important change because prior to the new law, the anticipated award price of the contract for womenowned and economically disadvantaged women-owned small businesses could not exceed $6.5 million for manufacturing contracts and $4 million for all other contracts,” said Regional Administrator Natalia Olson-Urtecho.

To qualify as a WOSB, a firm must be at least 51 percent owned and controlled by one or more women, and primarily managed by one or more women. The women must be U.S. citizens and the firm must be considered small according to SBA size standards.

To be deemed “economically disadvantaged,” a firm’s owners must meet specific financial requirements set forth in the program regulations.

For more information or to access the instructions, applications or database, visit www.sba.gov/wosb.

Goodwill helps over 500 people find work During 2012, Goodwill of Delaware and Delaware County provided over 30,000 services to the community including educational opportunities, employment skills training and job placement assistance. In addition to helping find jobs in the community for over 500 people in 2012, Goodwill added 160 positions to its organization, fulfilling its mission of helping individuals through the “Power of Work.”

Other 2012 accomplishments for Goodwill include a seven percent increase in sales at Goodwill’s 17 retail locations and a 10 percent increase in donations - the lifeblood of the organization - and which help to generate the revenue to provide valuable services to those in the community with barriers to self-sufficiency.

“We worked very diligently last year to serve the needs of the community,” said Colleen Morrone, who assumed the role of president and CEO for Goodwill in May 2012. “And since 90 cents from every dollar raised goes to support mission services, we know that Goodwill is an excellent steward of the funds we receive from the community.”

The new Goodwill Recycling Center and Outlet in New Castle, which opened in 2012, was able to recycle over 13 million pounds of textiles and other materials that would have ended up in the landfill. In addition, Goodwill was able to reduce its trash disposal bill by $80,000, which enables those funds to be applied to mission services.

Other 2012 milestones include renovations at the Concord, Middletown and Kirkwood Highway retail stores, the opening of a third job resource center in Bridgeville and securing over $400,000 in foundation and corporation grants.

Business Report | March 2013

21

GUEST COLUMN

Ecotourism a major draw in Southern Delaware

By James Diehl

“Going green” can mean many things to many people, including each of you reading this issue of the Morning Star Business Report.

But for those of us who regularly promote the state of Delaware’s second largest industry, it means “ecotourism” – and we certainly have lots of options in southern Delaware for those who want to

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Business Report | March 2013

leave the gas-guzzler at home and enjoy nature the way it was intended.

A naturally beautiful part of the United States, the areas that comprise Sussex County are filled with water activities, a collection of state parks, bike trails, birding adventures and many other things that allow the family, or the individual, to enjoy the great outdoors.

Here are but a few examples of ways you can enjoy all of the wonder and splendor of life in the southernmost county of the nation’s first state: Birding Excursions – Growing in popularity every year in southern Delaware, bird watching draws visitors from several surrounding states, and even from Canada. From the Delmarva Birding Weekend each spring, to organized birding excursions or just a handful of friends strapping the binoculars around their necks and hitting the trails, it’s an activity that has really taken root in Sussex County. So if you have the notion, and the patience, get out there and start hunting for your very own “once in a lifetime” birding moment!

Visit www.delawarebirdingtrail.org for more information on birding in Delaware.

Biking & Hiking Trails – From the popular Junction and Breakwater Trail, to others like the Blue Goose Trail, the American Discovery Trail and more, the popularity of hiking/biking in Sussex County continues to grow with each passing season.

Biking events have also become very popular in southern Delaware, including the Bethany-Fenwick Area Chamber of Commerce’s Ocean to Bay Bike Tour, which was recently named one of the “Top 50 Rides” by Bicycling Magazine, as well as Laurel’s Broad Creek Byway Bike Tour.

Kayaking – In an area dominated by water, from the inland bays to the Atlantic Ocean to the rivers and lakes that make this area such a wonderful place to live or visit, it’s not surprising

that options like surfing, boating and kayaking are available in such abundance. But when it comes to kayaking and enjoying the area’s pristine waterways, the options are many and the opinions of the best place to go are varied.

Do your homework or visit www. visitsoutherndelaware.com to see all the water-related options available for the outdoorsman in you!

State Parks – From Delaware’s first state park at Trap Pond, just east of Laurel, to the coastal areas of Cape Henlopen State Park and Delaware Seashore State Park, Sussex County’s state parks are indeed a jewel in southern Delaware.

Take a canoeing trip on Trap Pond, explore the trails at Cape Henlopen, or step back in time at the Fort Miles historic area, or go hunting for “ghost crabs” near the glow of the new Indian River Inlet Bridge. The possibilities are endless while exploring one of the nation’s greatest state park systems.

Paddle Boarding – An activity which has really taken hold in the last few seasons is the notion of paddle boarding, both traditional and the newer “stand up” options. Paddle boarding is a great way to combine fun and exercise while enjoying all of the natural wonder of southern Delaware. Sussex County’s numerous waterways provide a perfect backdrop for this fun activity, with many towns in the area featuring designated launch points.

There are many other ecologically friendly options when it comes to having fun in the sun in southern Delaware. This list is truly just a sampling of all there is to see and do in Sussex County, but it should provide a nice starting point for the outdoor adventurer in all of us.

For more information on all things southern Delaware, visit Southern Delaware Tourism’s website at www. visitsoutherndelaware.com.

James Diehl is the media relations manager for Southern Delaware Tourism, the convention and visitor’s bureau for Sussex County. He will be submitting a tourism-based column to the Morning Star Business Report on a monthly basis. Visit www.visitsoutherndelaware.com for more information.

WE STAGED A FUNERAL SERVICE TO BEAT THE BAND. A jazz funeral is a ceremony featuring music, which originated in New Orleans. When a local woman with Cajun roots passed away, her family asked us to help create a jazz-infused funeral service in her honor—and that was music to our ears. Our funeral director found an authentic jazz band willing to march through a local cemetery—which enabled family and friends to hold a procession through the graveyard led by the band. Helping families celebrate lives well lived is what Parsell does best.

BRI D GE VI L L E | Georget own | L ewes | Ocean Vi ew 202 South Laws St., Bridgeville DE, 302.337.8594

CELEBRATING LIVES WELL LIVED P ar sel lFuneralHomes.com

Business Report | March 2013

23

HEALTH

Nanticoke plans 27th annual dinner/auction Nanticoke Health Services Dinner and Auction, “A Night of Mystery at the Heritage Mansion,” will be an evening of suspense and accusations when guests try to uncover the Nanticoke mystery on Saturday, April 13, at Heritage Shores in Bridgeville. The evening’s theme is based on the game of Clue, and the time era will date back to the roaring 1920's.

During the evening, guests will have the opportunity to bid on items in the live and silent auctions, and throughout the evening guests will find or be given clues to help solve the Nanticoke mystery.

Proceeds from “A Night of Mystery at the Heritage Mansion” will benefit Nanticoke’s Mother and Baby Care Center through a new fetal monitoring software system.

The new system will assist in promoting positive outcomes by providing a more

complete picture of the mother and baby during labor and delivery and enhancing the coordination of care between physicians and nursing.

Honorary chairs for the 2013 Dinner and Auction are Dr. Joaquin and Gemma Cabrera.

Businesses and individuals can support the Dinner and Auction through sponsorships and/or donating items for the auction.

Sponsorship packages and additional information are available online at www.nanticoke. org/auction, via phone through the Nanticoke Health Services Foundation office at 5365393, or email at FioriC@nanticoke.org.

Don’t miss the opportunity for an evening of suspense and a chance to uncover the Nanticoke mystery and to support Nanticoke Health Services’ 27th annual celebration. Tickets are available for $75 per person.

Creative Couture Fashion & Art Show The Auxiliary of Bayhealth Milford Memorial Hospital invites you to a Creative Couture Fashion & Art Show on Thursday, March 21, at Abbott’s Grill in Milford.

The event opens at 11:30 a.m. with a Meet the Artists reception, featuring various artists from the Mispillion Art League of Milford. Each artist is donating a small work which will be placed on each table and taken home by a lucky person seated at the table. The boutiques Coolspring Cottage of Coolspring, Twilla’s of Lewes and Jane and Georgie of Rehoboth will have models for the fashion show.

Each model will wear two outfits from her assigned shop. Tickets for a 50/50 raffle will be for sale, as well as drawings for a $50 gift certificate to Abbott's Grill and a $150 gift certificate from Jane and Georgie. Abbott’s Grill will offer a buffet lunch at noon for all to enjoy.

Cost for the Creative Couture Fashion & Art Show is $35 per person. Tickets may be purchased at Reflections Gift Shop at Milford Memorial, through any member of the Milford Memorial Hospital Auxiliary Board or by calling Cynthia Jones at 270-1842. All proceeds benefit Bayhealth Milford Memorial.

Biden speaks on abuse

Helmet raffle scores a touchdown In January, the medical staff at Nanticoke Memorial Hospital sold raffle tickets for a full-sized, Baltimore Ravens replica helmet signed by quarterback, Joe Flacco. Nanticoke’s medical staff scored a touchdown with the raffle by raising $3,000 to benefit two programs at Nanticoke Memorial Hospital - the Prescription Fund and The Pegeen and Samantha Brown Pediatric Fund. The raffle drawing was held on Jan. 31. The winner of the helmet was Roy Collins of Seaford. To add a little excitement, Dr. Joseph Kim, Nanticoke medical staff president, also donated two additional Raven’s signed footballs as consolation prizes, which included signed Raven’s footballs by tight end Dennis Pitta and center Gino Gradkowski, a graduate from University of Delaware. Winners of the footballs are Dave Walker, Nanticoke Memorial Hospital security guard, and Nanticoke Pediatrician, Dr. Patricia Donovan.

Nanticoke staff from left: Natasha Snead, medical staff coordinator; Penny Short, chief nursing officer/chief operating officer); Dr. Joseph Kim, medical staff president; Donald Tricarico, VP, clinical operations; Denise Jester, chief financial officer and Reneé Morris, Foundation executive director.

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Business Report | March 2013

Delaware Attorney General Beau Biden joined Bayhealth’s STEPS to Healthy Aging monthly lecture series recently, where he spoke candidly about ways to combat the financial fraud, neglect, and physical abuse that often impact Delaware residents over 65. Concerns raised by the group included home care services; identity theft; internet privacy; and child custody laws.

Bayhealth’s STEPS to Healthy Aging is a free program open to anyone aged 50+. For more details, visit www.bayhealth.org or call 302-744-6227.

Business Report | March 2013

25

GUEST COLUMN

Is your company’s employee benefit plan compliant?

By Michael Malchione, Cpa One of the earliest lessons all of us have learned, whether from our parents or from our teachers, is “never take anything for granted.”

In business, however, we sometimes forget this lesson and there are times when it can get us into trouble — big trouble.

Consider, for example, how your company oversees its employee benefit plans, especially your 401(k) or other retirement or deferred compensation plan. Chances are you have hired a third-party administrator (TPA) who operates under a standard set of rules, deposits the funds you send them into each participating employee’s account and provides everyone with the appropriate monthly, quarterly and annual reports on how the investments are faring.

It all seems so simple.

Unfortunately, it is not that easy and the U.S. Department of Labor has stepped up its monitoring, taking additional steps to ensure that plans and fiduciaries are operating in accordance with the Employee Retirement Income Security Act (ERISA) and plan documents. Operating in compliance with plan documents is a big responsibility and many plan administrators (in a smaller business this could be the human resources officer or someone in the accounting department) may not fully understand all that is expected of them. Merely relying on the work of your TPA is not enough; the Department of Labor has the power to levy fines against businesses for deficient reports produced by their TPA. Before offering suggestions about how you can improve the likelihood that you will remain in compliance with ERISA rules, let me offer a couple of examples of mistakes that could lead to bigger problems.

In conducting audits of 401(k) plans, we have found situations where employees do not get into the plan when eligible. Plans have various requirements that need to be met in order to become eligible to participate in the plan both as a new participant and as a former employee who is re-hired. Some plans' requirements are simple; others can be more complicated. It is important to thoroughly understand your plan's eligibility requirements and to establish processes and procedures to monitor employee eligibility.

Another area where we have seen issues 26

Business Report | March 2013

when conducting our audits is in the area of eligible compensation for purpose of employee salary deferrals and employer matching contributions. Does eligible compensation include employee bonuses, pre-tax fringe benefits and auto allowance? Serious problems can develop if the employer is not properly including or excluding these forms of compensation when calculating employee salary deferral or employer matching contributions. In cases like this, the employer is required to make the plan whole for both the employee deferral and employer matching contributions missed, including a calculation for lost earnings on the funds not contributed to the plan. Should problems like these be uncovered in the course of a Department of Labor compliance review, the offending company could be subject to severe fines and the plan’s tax-exempt status could be jeopardized.

These illustrations lead to a basic conclusion: Mistakes in managing your benefits plans can be costly, so your company must give it the same type of attention that you give your core business. A Department of Labor review looks for three types of compliance: documentary, operational and fiduciary. Here is a summary of each requirement and some suggestions for staying in compliance.

Documentary compliance means having all of the essential documents up-to-date with all the current rules and regulations governing a plan and that plan documents are signed. Some of the key documents related to a plan are the following: trust documents, the summary plan description, the IRS tax determination letter, employee communication materials, investment policy statement and participant records. What is important here is keeping all of the records in one place and being familiar with the content of the documents.

Many administrators think they are safe because they use prototype plans which are maintained and updated by insurance or trust companies. However, while many of these prototype plan documents may be updated automatically, there may be paperwork that an administrator must sign for their individual plan to give effect to these amendments.

Administrators may neglect this paperwork and therefore their plan may not have been actu-

ally amended. Operational compliance refers to operating the plan in accordance with the requirements of the plan document, including the filing of all annual tax forms, completion of the annual financial statement audit (if needed) and other paperwork and records. During a compliance review, examiners look for proof that regular reviews of eligibility, contributions, loans, withdrawals and the like are being conducted.

Treat all records of deposits and withdrawals just as you would your checking account.

Review them for accuracy every month and contact your TPA promptly if any discrepancies are noted. A key area of concern is the prompt deposit of participant contributions into the plan. For plans with fewer than 100 participants, the deadline is seven business days after the payroll date for which the salary deferral occurred. For plans with more than 100 participants, the deadline is the earliest possible date.

Also important here is knowing the definition of a participant for purposes of this requirement. The number of participants is determined as of the first day of each plan year. It is not related to the 80/120 participant rule used to determine whether to file Form 5500 and the need for an independent audit.

Fiduciary compliance means, quite simply, making sure the plan is managed in the best interest of plan participants and their beneficiaries. A fiduciary is any person or entity exercising authority or control of the plan assets, its management or giving investment advice for a fee. A business owner, an employee of the plan sponsor, a TPA and others could have fiduciary responsibilities. To demonstrate fiduciary compliance, administrators must understand the plan’s legal framework and the consequences of not being in compliance with ERISA and any other laws that govern your plan.

If you understand the details of the plan, follow the rules, keep good records and carefully document any variations from normal procedures, your company should be able to demonstrate that its benefit plan is in compliance. Just don’t take anything for granted.

Michael Malchione is a Director with Horty & Horty, P.A., a Delaware accounting firm with offices in Wilmington and Dover.

BUSINESS LICENSES Camden Lemon Scone LLC; 206 Theater Ln., Camden; retailer-various products Remedy Catering & Deli; 4 E. Camden Ave., Camden; retailer-restaurant Delmar Daniels, Dennis C. Jr., Vivid Salon; 510 N. BiState Blvd., Delmar; professional and/or personal services Resiliency Arts LLC; 8723 Waller Rd., Delmar; professional and/or personal services Total Home Contracting; 6486 Delmar Rd., Delmar; contractor-residential Twice Company, Twicethegiftcard.com; 36760 BiState Blvd., Delmar; retailer-various products Two Son’s LLC; 37944 Johns Way, Delmar; professional and/or personal services Walton, Nicole; 12190 Cardinal Rd., Delmar; direct care worker Dover Bek Associates; 111 Persimmon Cir. E, Dover; contractor-residential Betsy’s Kitchen; 308 Bradley Rd., Dover; personal services-distributor BMJ Partners, American Gold Center; 1365 N. Dupont Hwy., Dover; reconciliation purpose code Exposed Branches Photography; 67 Stoney Dr., Dover; photographer Exum Enterprises Inc., Judeaux Premium Hair Supply; 1300 S. Farmview Dr., Apt. H38, Dover; retailer-catalogue & mail order house Fancy Nails Inc.; 1046 S. Dupont Hwy., Dover; personal services-manicurist Foltz, R. Clay, The Bond Agent; 947 Silver Lake Blvd., Dover; broker Frantz Multiservices LLC; 1679 S. Dupont Hwy., Ste. 15, Dover; professional services-income tax consultant Gallagher Law Firm LLC; 201 Falmouth Way, Dover; professional services-legal office Gibson, Kattie R., Learning Years Preschool; 2 Riverside Rd., Dover; professional and/or personal services-unclassified Hudson, Richard M., Rick Hudson Music; 2589 Savannah Rd., Dover; professional and/ or personal services J’Adore Bliss Boutique; 301 Tollhouse Pl., Apt. 103I, Dover; retailer-catalogue & mail order house Junction 5; 125 Roosevelt Ave., Dover; retailer-catalogue & mail order house LeFevre Group LLC; 20 E. Division St.,

Fl. 2, Dover; professional and/or personal services Moust, Kevin LLC; 882 Lynnbury Woods Rd., Dover; reconciliation purpose code Ntozake, Chinyere F., Andy’s Transportation Svc.; 622 W. Division St., Dover; taxicab/bus operator PSE LLC, Pugh’s Service; 728 Dover Leipsic Rd., Dover; personal service-motor vehicle service Smith, Scott Eugene, Scott Smith Contracting; 117 Gordon Pl., Dover; reconciliation purpose code South Shore Ventures Inc., Shortcutz Lawn & Landscape; 198 S. Shore Dr., Dover; professional and/or personal services The Address; 155 N. Dupont Hwy., Ste. 3, Dover; personal services-beautician Today Motoring LLC, Car Cover World; 227 N. State St., Dover; retailer-various products Wilkerson, Kareem, Computer Physicians; 535 Schooner Way, Dover; professional and/ or personal services Georgetown Baker, Isaiah T. IV, BB Musical Instruments/BB Drums; 300 Nancy St., Georgetown; manufacturer-various products Critter Sitter LLC; 26315 Gabby Ln., Georgetown; professional and/or personal services Hudson, Thomas C.; 611 Wagamon Ave. Ext., Georgetown; professional and/or personal services Greenwood Law Dogs Seal Coating; 84 Gardenia Blvd., Greenwood; personal services-general repairperson Harrington All in One Termite & Pest Control; 2612 Jackson Ditch Rd., Harrington; professional and/or personal services-unclassified Davis, Ruth B.; 5582 Milford Harrington Hwy., Harrington; commercial lessor New Beginnings Restoration; 10 John Andrews Dr., Harrington; professional and/or personal services Reeve, William R.; 6668 Whiteleysburg Rd., Harrington; reconciliation purpose code Laurel Breakpoint Repair LLC; 32932 Whaleys Rd., Laurel; personal service-motor vehicle service Delmarva Construction Co.; 16051

Sycamore Rd., Laurel; contractor-residential HMC Services LLC; 28288 Dukes Lumber Rd., Laurel; professional and/or personal services Jonathan’s Delights; 795 Belle Ave., Laurel; retailer-food (except restaurant) Joseph Creek Services LLC; 34451 Hudson Rd., Laurel; drayperson/mover Predator Recovery & Towing LLC; 31531 Jestice Farm Rd., Laurel; drayperson/mover S.A. Collins Services LLC; 32932 Whaleys Rd., Ste. 2, Laurel; professional and/or personal services-unclassified Transportation by Sanders LLC; 28552 Seaford Rd., Laurel; drayperson/mover Lewes Brooks, Stephanie, Organization Innovations; 18393 Dunes Way, Lewes; reconciliation purpose code Campbell, Jennifer, Sol Shells; 8 Vermont Ave., Lewes; reconciliation purpose code Comfort at Home Care; 22846 Pine Rd., Lewes; direct care worker Coston Contracting; 18461 Cedar Dr., Lewes; contractor-residential Heebeegeebee Toy Store; 35020 Salem Ct., Lewes; retailer-dry goods & apparel Hinkle Husbands LLC; 33314 Lighthouse Ct., Lewes; contractor-residential Jayjock, Daniel, Reach the Beach Home Improvements LLC; 31862 Carneros Ave., Lewes; reconciliation purpose code KP Services LLC, Renegades Tattoo; 34166 High Knoll Rd., Lewes; professional and/or personal services LB Consulting Services LLC; 17656 Gate Dr., Unit AA4, Lewes; professional and/or personal services-unclassified Log Cabin Hill LLC; 19 Bradford Ln., Lewes; professional and/or personal services Love City Prints LLC; professional and/ or personal services-unclassified/retailer-dry goods & apparel Physiotherapy Associates Inc.; 18464 Plantations Blvd., Lewes; professional services-physical therapy Plant Wisdom Within LLC; 18522 Little Goat Ln., Lewes; reconciliation purpose code Reddix Trucking Inc.; 31342 Kendale Rd., Lewes; reconciliation purpose code Roberta Purdy, Farmhouse Pickins’; 23815 Elmwood Ave. E., Lewes; retailerfurniture & fixtures Rodriguez, Katy C.; 18199 Beaver Dam Rd., Lewes; reconciliation purpose code Tutoring and Testing; 17046 N. Brandt St., Unit 207, Lewes; professional and/or personal services Business Report | March 2013

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Millsboro Anthurium Florists; 20182 Whitaker Way, Millsboro; professional and/or personal services Best Window Washing; 29549 Whitstone Ln., Millsboro; professional and/or personal services Core Counseling Strategies; #6 Chelsea Square, Millsboro; professional servicescounselor Diguardi, Mark, Champion Exterminators; 21046 Merchantman, Millsboro; professional and/or personal services-unclassified Enchanted Acres MHC, LLC; 25922 Kings Ln., Millsboro; personal servicesmobile home park Jonathan Meiklejohn Masonry LLC; 23161 Pine Run, Millsboro; contractorresidential K&M Quality Restoration; 35571 Pine Dr., Millsboro; contractor-residential McGinnis, William, William McGinnis Contractor LLC; 34877 Pear Tree Rd., Millsboro; contractor-residential Mohun, Alyssia M., Shoot for the Moon Events; 23567 Devonshire Rd., Millsboro; personal services-entertainment agent Nolen’s Marine Surveying; 26355 W. Pintail Rd., Millsboro; reconciliation purpose code Tripod Enterprises; 24508 Indian Town Rd., Millsboro; professional and/or personal services-unclassified Seaford A-Team Cleaning LLC; 28554 Ellis Mill Rd., Seaford; professional and/or personal services Budler, Jason, J&C Ventures; 11354 Little Creek Ln., Seaford; retailer-various products Doughty Construction; 13747 Wolf Rd., Seaford; contractor-residential Jackson-Boyz; 10149 Old Furnace Rd., Seaford; professional and/or personal services-unclassified Jessica S. Peterson OTR/L, LLC; 60 Rivers End Dr., Seaford; professional services-occupational therapist Occupational Health Services of Delaware LLC; 543 N. Shipley St., Ste. A, Seaford; professional services-medical office Tice, Jason A., Tice’s Trading Co.; 305 S. Market St., Seaford; retailer-various products Smyrna Brown, Chedine, Zara’s Trucking; 148 Nita Dr., Smyrna; reconciliation purpose code First State Emergency Preparedness; 1 Windy Way, Smyrna; reconciliation purpose code Sports Defenders LLC; 9 Grant Ln., Smyrna; professional and/or personal services

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Business Report | March 2013

BUSINESS DIRECTORY ACCOUNTING

CHAMBER OF COMMERCE

Horty & Horty, P.A. Doug Phillips, CPA, Cr.FA 302-730-4560 cpainfo@horty.com 3702 N. DuPont Hwy. Dover, DE 19901

Bethany-Fenwick Area Chamber of Commerce David Martin 302-539-2100 302-539-9434 fax www.bethany-fenwick.org info@bethany-fenwick.org 36913 Coastal Highway Fenwick Island, DE 19944

ADVERTISING Morning Star Business Report Bryant Richardson 302-629-9788 302-629-9243 fax www.msbusinessreport.com sales@mspublications.com 951 Norman Eskridge Hwy. P.O. Box 1000 Seaford, DE 19973 ARCHITECTS & ENGINEERS Davis Bowen & Friedel, Inc. Randy Duplechain, P.E. 302-424-1441 www.dbfinc.com 23 N. Walnut St. Milford, DE 19963 George, Miles & Buhr, LLC Michelle Everngam 302-628-1421 302-628-8350 fax www.gmbnet.com meverngam@gmbnet.com 400 High St. Seaford, DE 19973 BUSINESS ORGANIZATION Better Business Bureau of Delaware Christine Sauers 302-221-5255 302-221-5265 fax www.delaware.bbb.org info@delaware.bbb.org 60 Reads Way New Castle, DE 19720

Central Delaware Chamber of Commerce Judy Diogo 302-734-7513 302-678-0189 fax www.cdcc.net jdiogo@cdcc.net 435 N. DuPont Hwy. Dover, DE 19901 Georgetown Chamber of Commerce Karen Duffield 302-856-1544 302-856-1577 fax www.georgetowncoc.com info@georgetowncoc.com 229 E. Market St., PO Box 1 Georgetown, DE 19947 Lewes Chamber of Commerce Betsy Reamer 302-645-8073 Toll Free 877-465-3937 302-645-8412 fax www.leweschamber.com inquiry@leweschamber.com 120 Kings Hwy., P.O. Box 1 Lewes, DE 19958 Greater Millsboro Chamber of Commerce Amy Simmons 302-934-6777 302-934-6065 fax www.millsborochamber.com millsboro@intercom.net P.O. Box 187 Millsboro, DE 19966

Milton Chamber of Commerce Georgia Dalzell 302-684-1101 www.historicmilton.com chamber@historicmilton.com 707 Chestnut St., P.O. Box 61 Milton, DE 19968 Rehoboth Beach - Dewey Beach Chamber of Commerce & Visitor Center Carol Everhart 302-227-6446 302-227-2233 ext. 13 302-227-8351 fax www.beach-fun.com carol@beach-fun.com 501 Rehoboth Ave. Rehoboth Beach, DE 19971 Greater Seaford Chamber of Commerce Paula Gunson 302-629-9690 302-629-0281 fax www.seafordchamber.com admin@seafordchamber.com 304 A High St. Seaford, DE 19973 EDUCATION Delaware Technical Community College Corporate and Community Programs Christopher M. Moody, Director 302-855-1665 302-858-5456 fax www.dtcc.edu/owens/ccp cmoody@dtcc.edu Jason Technology Center PO Box 610 Rt. 18, Seashore Highway Georgetown, DE 19947 University of Delaware Professional & Continuing Studies Tara Kee 866-820-0238 302-831-3292 fax www.pcs.udel.edu continuing-ed@udel.edu

ENVIRONMENTAL CONSULTING Envirotech Environmental Consulting, Inc. Todd Fritchman 302-684-5201 302-684-5204 fax www.envirotechecinc.com info@envirotechecinc.com 26412 Broadkill Road Milton, DE 19968 FINANCIAL Bank of Delmarva Scott Rukowicz 302-875-5901 302-875-1766 fax www.bankofdelmarva.com srukowicz@bankofdelmarva.com 200 East Market St. Laurel, DE 19956 County Bank 7 Sussex County Locations 302-226-9800 302-226-3182 fax www.CountyBankDel.com 19927 Shuttle Rd. (Main Office) Rehoboth Beach, DE 19971 Del One Federal Credit Union 7 Statewide Locations Amy Resh 302-672-1492 302-739-1790 fax www.Del-One.org amy.resh@del-one.org 270 Beiser Blvd.

Dover, DE 19904 Delaware State Police Federal Credit Union Stephen Cimo 302-856-3501 ext. 120 302-856-2539 fax www.dspfcu.com scimo@dspfcu.com P.O. Box 800 Georgetown, DE 19947

Business Report | March 2013

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Seaford Federal Credit Union Seaford Branch Mary Adams 302-629-7852 302-629-9125 fax www.seafordfcu.com mary@seafordfcu.com Seaford Professional Center Rt. 13, Seaford, DE 19973 Seaford Federal Credit Union Dagsboro Branch Veronica Nhan-Nock 302-934-1774 302-297-0016 fax veronica@seafordfcu.com 30650 Dupont Hwy. Dagsboro, DE 19939 Sussex County Federal Credit Union Debbie Jewell 302-629-0100 302-629-0966 fax www.sussexcfcu.com djewell@sussexcfcu.com 1941 Bridgeville Hwy. Seaford, DE 19973 FUNERAL SERVICES Watson Yates Funeral Home Gary Yates 302-629-8561 302-629-7961 fax Front & King St. Seaford, DE 19973 GRAPHIC/WEBSITE DESIGN Dean Design Marketing Group Jane E. Dean 302-674-5007 877-407-9800 717-898-9570 fax www.deandesign.com thestudio@deandesign.com 13 Water St. Lincoln, DE 19960 Health Nanticoke Health Services Sharon Harrington 302-629-6611 302-629-3211 fax www.nanticoke.org harringtons@nanticoke.org 801 Middleford Rd. Seaford, DE 19973

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Business Report | March 2013

Bayhealth Kent General Milford Memorial Pam Marecki 302-744-7013 302-735-3227 fax www.bayhealth.org pam_marecki@bayhealth.org 640 S. State St. Dover, DE 19901 INSURANCE Angle Financial Services Kim Rowley 302-735-7526 www.AnglePlanning.com kim@angleplanning.com 31 Saulsbury Rd., Suite 2 Dover, DE 19904 Farnell & Gast Insurance Joe Gast, CPCU 302-629-4514 302-536-6257 fax www.averyhall.com jgast@averyhall.com dflood@averyhall.com 500 W. Stein Highway Seaford, DE 19973 IFS Benefits Patrick Fitzgerald Ryan Dunn Bob Sonchen 302-645-2356 302-645-5723 fax www.ifs-benefits.com 17527 Nassau Commons Blvd Suite 208 Lewes DE 19958 Lyons Companies David F. Lyons, Sr. David F. Lyons, Jr. Lew Harrington 302-227-7100 www.lyonsinsurance.com info@lyonsinsurance.com 19643 Blue Bird Lane, Unit 8 Rehoboth Beach, DE 19971 Pratt Insurance Inc. Howell Wallace 302-653-6681 800-282-8590 DE 800-497-7288 MD 302-653-2370 Fax www.pratt-insurance.com pratt-insurance@pratt-insurance.com Four Village Square Smyrna, DE 19977

INTERNET SERVICE & WEB PAGE DESIGN Delmarva Digital Tim Smith 302-875-7700 302-875-8288 fax www.ddmg.net ddmg.netsales@ddmg.net 220 Laureltowne Laurel, DE 19956 JEWELERS Holland Jewelers 302-947-1200 20750 John J. Williams Hwy. Peddlers Village Lewes, DE 19958 www.hollandjewelersinc.com LEGAL Sergovic, Carmean & Weidman, P.A Attorneys At Law John A. Sergovic, Jr. Shannon D. Carmean Leslie Case DiPietro 302-855-1260 302-855-1270 fax www.scdelaw.com 142 E. Market St. PO Box 751 Georgetown, DE 19947 Law Offices of Karen Y. Vicks, LLC 302-674-1100 888-598-8890 kvicks@vickslaw.com 500 W. Loockerman St. Suite 102 Dover, DE 19904 OFFICE FURNITURE AMI Business Interiors Tom Woodstock 800-830-0801 302-226-0801 302-226-0302 fax www.archmktg.com archmarketing@comcast.net 123 Glade Circle West Rehoboth, DE 19971

PAYROLL SERVICE Payroll Professionals Jessica Amaty 302-645-5700 302-645-0395 fax payroll@1040pro.com 1636-D Savannah Rd. Lewes, DE 19958 PORTRAITS Portraits In The Sand Dave Koster 302-226-9226 302-226-8424 fax www.portraitsinthesand.com businessreport@portraitsinthesand.com 110 White Oak Rd. Rehoboth Beach, DE 19971 REAL ESTATE Callaway, Farnell and Moore, Inc. 302-629-4514 302-628-8500 800-966-4514 www.cfmnet.com admin@cfmnet.com 500 W. Stein Hwy. 22128 Sussex Hwy. Seaford, DE 19973 Coldwell Banker Resort Realty Skip Faust 302-227-5000 office 302-745-8764 cell 302-227-3804 fax www.skipfaust.com skipfaust@hotmail.com 20184 Coastal Hwy. Rehoboth Beach, DE 19971 Long & Foster Real Estate, Inc. Tracey Espada 302-227-2541 800-462-3224 302-227-8165 fax www.longandfosterde.com 37156 Rehoboth Ave. Rehoboth Beach, DE 19971 TRAVEL Misty Travel Barb Stetzer, MCC, CTC 302-629-4422 www.misty-travel.com barb@misty-travel.com

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