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Harden & Associates Proposal VOW IOW OPP 1.111 HARDEN certainty ATLANTIC . e. •- - Response to Request for Proposal (RFP 12 - 02) for: City of Atlantic Beach April 30, 2012 Brokerage /Consulting Services for Risk Management, Commercial Insurance, Employee Welfare, and Benefit Programs Response to Request for Proposal for City of Atlantic Beach Table of Contents Executive Summary Firm Overview Document Requirements Checklist Insurance Certificate Drug Free Workplace Certification Public Entity Crimes Statement Completed W -9 Form Proof of Current Florida License Detailed Responses to Questions Insurance Market Knowledge and Access 1 Client Knowledge 7 Depth of Staff 14 Technical Knowledge 17 Scope of Services 23 Account Management 24 Communication 25 Performance 28 Additional Information Requested 31 Exhibits I: Associate Biographies II: Sample Legislative Update III: Employee Benefits Platform of Strategies IV: Property / Casualty Platform of Strategies V: Sample Email Blast VI: Sample Health Care Reform Communication VII: Sample Open Enrollment Employee Communication Piece VIII: Errors and Omissions Coverage Receipt of Addenda A HARDEN 101•1 4 , 10 . F rim fp. PP TIP Response to Request for Qualifications for: City of Atlantic Beach Page 1 MVO Executive Summary Harden appreciates the opportunity to be considered to serve the City of Atlantic Beach. We recognize the major issues facing the city, including revenue declination from most major sources, rising pension and healthcare costs, and uncertain interlocal contracts with the City of Jacksonville. Additionally, we have reviewed your current insurance needs, making note of specific challenges and opportunities. Lastly, we understand the City of Atlantic Beach's specific needs, the City's internal staff resources, and insurance carrier support. Based on each of these items, we developed a draft plan to provide local expertise in risk management, wellness, employee benefits, and commercial insurance to improve the cost of risk and human capital. We propose to refine our draft plan if selected to serve, through interviewing stakeholders and digging into specific data. Once complete, this plan will support the goals, objectives, and policies established by the City Commission and its leadership team. Such a plan would include the following: 1. Enhance the depth of locally available resources with expertise in public entity needs 2. Assure most competitive cost structure through insurance carrier competitive bid process a. Harden has broadest market access as NE Florida's largest commercial insurance and benefit intermediary b. Our commercial insurance department is carrier neutral, where many public entity brokers are closely affiliated with a specific insurance carrier c. Provide employees options to customize support and manage costs during changing healthcare environment 3. Create, execute and manage long -term strategic plan to reduce future insurance and benefit cost drivers a. Conduct claims review (cost drivers, enhance efficiency, modify future strategies / programs) b. Re- develop and provide leadership for safety committee c. Conduct periodic evaluation of strategy execution and opportunities to improve 4. Leverage technology and Harden proprietary tools to improve efficiencies and City /employee value The specific services we offer that we believe would be of value to the City of Atlantic Beach are noted in this RFQ response. We look forward to discussing this further as we believe we can help you drive significant value and cost management through our engagement. All the best, /� ijq 41444— T. Brooks Faison ustin Terry Shaun Woleshin Senior Vice President Executive Vice President Vice President A" HARDEN ..114.11 .1011 "SOP "dotOP ( MINS 011AR ARO *OP 91116 ION Response to Request for Proposal for: City of Atlantic Beach Firm Overview Established in _1953, Harden is one of Florida's leading insurance brokerage and risk management consulting firms. Serving clients nationwide, our professionals provide a broad range of services including commercial insurance, risk management, employee benefits, financial services, personal insurance, and human resources administration outsourcing. The Unique Value We Promise Our Clients As a leader in insurance, risk management and employee benefits services, our consistent execution of detailed service plans centered on client objectives is what differentiates us. Our most critical role is ensuring enterprise risks are managed so that the uncertainty of financial loss resulting from our clients' unique exposures to loss are minimized. /"` Value Proposition We increase the value of client enterprises by decreasing the overall cost of risk, optimizing employee benefits resources and creating predictable results. In environments of uncertainty, we provide certainty by gaining insight and applying knowledge with a disciplined process that assists our clients in making informed, quality decisions. Our associates are committed to continuous What We Value learning in order to provide technical expertise and insight to our clients. Our collaborative Teamwork Initiative process explores key aspects of a client's enterprise and we assist them in defining and Innovation and Creativity Leadership understanding their unique objectives. An Personal Responsibility Honesty understanding of these objectives allows us to and Commitment and Integrity provide knowledge that is both relevant and Passion for Excellence Intellectual Curiosity actionable for them. The concept is central to our company Mission: To provide insurance, risk management and employee benefit services that support unique client objectives; promote long -term relationships; and enable our associates to realize their potential. Our Mission Statement serves as our focal point each and every day. In successfully accomplishing our Mission, we continually move closer to realizing our company Vision: To be recognized for improving overall enterprise value of client organizations and earning the status of trusted advisor with our clients. J HARDEN PPM PIMP C (V\ 141-f obw \ Pon fi" CITY OF ATLANTIC BEACH REQUEST FOR BROKER/CONSULTANT PROPOSAL FOR BROKERAGE /CONSULTING SERVICES FOR EMPLOYEE BENEFITS, PROPERTY /CASUALTY AND RISK MANAGEMENT SERVICES RFP 12 -02 ALL DOCUMENTS MUST BE SUBMITTED IN RFP PACKAGE AND MUST BE IN THE SAME ORDER AS LISTED BELOW E i Proposals and ALL required documents submitted as five (5) complete packets with one being an original. gr Signed copy of Documents Requirements Checklist g Insurance Certificates naming the City of Atlantic Beach as Certificate Holder, showing they have obtained and will continue to carry Worker's Compensation, public and private liability, and property damage insurance during the life of the contract. g Drug Free Workplace Certification g Public Entity Crimes Statement Gd Completed W -9 Form 2" Proof of current state of Florida license(s) and certification(s) • Detailed response to all questions within specifications g Acknowledge Receipt of any Addenda The above requirements have been noted and are understood by the Proposer. I understand that failure to submit an ite listed above may result in rejection of this Request for Proposal. OS lo SIGNED: 1 /r PRINTED: 14Sk • 51f I TITLE: gv Xec , ANA Oat psts;Aet -'f COMPANY: »cAr)tA Q (Assoc‘"tVcS, Inc. "" PHONE: 9 " ya 1 53ci'i FAX: Q 0 1 - U 1 -I a I q E -MAIL: , )4 t (r y e- h441 \1 n S�h� CQ1''\ DATE: L ) /30/i 'c),) c d I I I L r -... OP ID: 2K A2RLA° CERTIFICATE OF LIABILITY INSURANCE DATE (MMDD YYY) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 904 - 354 -3785 CONT Harden & Associates, Inc. 904 - 634 -1302 PHO FAX 501 Riverside Ave. Suite 1000 (A No, Ext): (A/C, No): Jacksonville, FL 32202 E ADDRESS: __ `4A PRODUCER ID #: HARDE -1 INSURER(S) AFFORDING COVERAGE NAIC # INSURED Harden & Associates, Inc. INSURER A : Old Dominion Insurance Co 40231 501 Riverside Ave, Suite 1000 INSURER B:Bridgefield Employers Ins Co '° Jacksonville, FL 32202 INSURERC: GreatAmerican E &S Ins Co 37532 INSURER D : INSURER E : "` INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS. EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUER POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSR WVD POLICY NUMBER (MM/DD/YYYYI (MM /DD/YYYY) LIMITS GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 - A X COMMERCIAL GENERAL LIABILITY BPG89043 06/01/11 06/01/12 DAMAGE TO RENTED 5 000 PREMISES (Ea occurrence) $ r CLAIMS -MADE X OCCUR MED EXP (Any one person) $ 5,000 PERSONAL & ADV INJURY $ 1,000,000 GENERAL AGGREGATE $ 2,000,000 ww GE 'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP /OP AGG $ 2,000,000 POLICY PRO .1FC LOC $ T AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1,000,000 (Ea accident) ANY AUTO BODILY INJURY (Per person) $ ALL OWNED AUTOS - - -- BODILY INJURY (Per accident) $ A X SCHEDULED AUTOS BIG89043 06/01/11 06/01/12 PROPERTY DAMAGE X HIRED AUTOS (Per accident) $ me X NON -OWNED AUTOS $ $ UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 5,000,000 EXCESS LIAB CLAIMS -MADE AGGREGATE $ r" A - CUG89043 06/01/11 06/01/12 DEDUCTIBLE $ X RETENTION $ 10,000 $ WORKERS COMPENSATION X WC STATU- OTH- AND EMPLOYERS' LIABILITY TORY LIMITS ER _ r B ANY PROPRIETOR /PARTNER /EXECUTIVE Y1 N 83032391 06/01/11 06/01/12 E.L. EACH ACCIDENT $ 500,000 OFFICER /MEMBER EXCLUDED? N / A (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE' s 500,000 If yes, describe under -- _ DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 500,000 C Errors & Omissions TER 2099209 06/30/11 06/30/12 Per Claim 10,000,000 Aggregate 10,000,000 DESCRIPTION OF OPERATIONS /LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) Errors & Ommission Self Insured Retention $50,000 per claim /$100,000 Aggregate CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Atlantic Beach THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 800 Seminole Road ACCORDANCE WITH THE POLICY PROVISIONS. Atlantic Beach, FL 32233 AUTHORIZED REPRESENTATIVE © 1988 -2009 ACORD CORPORATION. All rights reserved. ACORD 25 (2009/09) The ACORD name and logo are registered marks of ACORD po pis wcy dKp otc r 41. DRUG -FREE WORKPLACE CERTIFICATION Section 287.087, Florida Statues, effective January 1, 1991, specifies that preference must be given to vendors submitting a certification with their bid /proposal certifying they have a drug -free workplace. This requirement effects all public entities of the State and is as follows: IDENTICAL TIE BIDS - Preference shall be given to business with drug -free workplace "" programs. Whenever two or more bids which are equal with respect to price, quality and service are received by the State or by any political subdivision for the procurement of commodities or contractual services, a bid received from a business that certifies that it has implemented a drugfree workplace program. In order to have a drug -free workplace program, a business shall: 1) Publish a statement notifying employees that the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance is prohibited in the workplace and specifying the actions that will be taken against employees for violations of such prohibition. 2) Inform employees about the dangers of drug abuse in the workplace, the business's policy of "M maintaining a drug -free workplace, any available drug counseling, rehabilitation, and employee assistance programs, and the penalties that may be imposed upon employees for drug abuse violations. 3) Give each employee engaged in providing the commodities or contractual services that are under bid a copy of the statement specified in subsection (1). 4) In the statement specified in subsection (1), notify the employees that, as a condition of working on the commodities or contractual services that are under bid, the employee will abide by the terms ewe of the statement and will notify the employer of any conviction of, or plea of guilty or nolo contenders to, any violation of Chapter 893 or of any controlled substance law of the United States or any state, for a violation occurrence in the workplace no later than five (5) days after such conviction. 5) Impose a sanction on, or require the satisfactory participation in a drug abuse assistance or rehabilitation program if such is available in the employee's community, by any employee who is so convicted. 6) Make a good faith effort to continue to maintain a drug -free workplace through implementation of 4101 this section. AS THE PERSON AUTHORIZED TO SIGN THE STATEMENT, I CERTIFY THAT THIS FIRM COMPLIES FULLY WITH THE ABOVE REQUIREMENTS. 1 7 1 /30 / VEy D OR'S SIGNATURE DATE awe f" 1.1 IPS Au6 C (u ry)e s --\GA-eArYWA INK SWORN STATEMENT PURSUANT TO SECTION 287.133(3)(A), FLORIDA STATUTES, ON PUBLIC ENTITY CRIMES THIS FORM MUST BE SIGNED AND SWORN TO IN THE PRESENCE OF A NOTARY a PUBLIC OR OTHER OFFICIAL AUTHORIZED TO A OATHS. �+ 1. This sworn statement is submitted to L)'-/ D7" /4( 5 6'4 (print name of the public entity) by &1ti /t J U. es4 (n't pri t individ al's name and title for Ho/del fis.5,ciakes `JC.. (print name of entity submitting sworn statement) whose business address is $d) K i /e/5)/e, ,l j /C. ) -5 kV() t rk so.% ✓/ ?/e PL, c)z sis and (if applicable) its Federal Employer Identification Number (FEIN) is 5 (If the entity has no FEIN, include the Social Security Number of the individual signing "" this sworn statement: ,) 2. I understand that a "public entity crime" as defined in Paragraph 287.133(1)(g), Florida Statutes, means a violation of any state or federal law by a person with respect to and directly related to the transaction of business with any public entity or with an agency or political subdivision of any other state or of the United States, including, but not limited to, any IN" bid or contract for goods or services to be provided to any public entity or an agency or political subdivision of any other state or of the United States and involving antitrust, fraud, theft, bribery, collusion, racketeering, conspiracy, or material misrepresentation. V'" 3. I understand that "convicted" or "conviction" as defined in Paragraph 287.133(1)(b), Florida Statutes, means a finding of guilt or a conviction of a public entity crime, with or without an adjudication of guilt, in any federal or state trial court of record relating to charges brought by «• indictment or information after July 1, 1989, as a result of a jury verdict, nonjury trial, or entry of a plea of guilty or nolo contendere. 1101B 4. I understand that an "affiliate" as defined in Paragraph 287.133(1)(a), Florida Statutes, means: 1. A predecessor or successor of a person convicted of a public entity crime; or 2. An entity under the control of any natural person who is active in the management of the entity and who has been convicted of a public entity crime. The term "affiliate" includes those officers, directors, executives, partners, shareholders, employees, members, and agents who are active in the interest in another person, or a pooling of equipment or income among persons when not for 10• fair market value under an arm's length agreement, shall be a prima facie case that one person controls another person. A person who knowingly enters into a joint venture with a person who has been convicted of a public entity crime in Florida during the preceding 36 months shall be considered an affiliate. 5. I understand that a "person" as defined in Paragraph 287.133(1)(e), Florida Statutes, means any natural person or entity organized under the laws of any state or of the United States with the legal power to enter into a binding contract and which bids or applies to bid on contracts for the provision of goods or services let by a public entity, or which otherwise transacts or applies to transact business with a public entity. The term "person" includes those officers, directors, PO• AI+ executives, partners, shareholders, employees, members, and agents who are active in management of an entity. eo 6. Based on information and belief, the statement which I have marked below is true in relation to the entity submitting this sworn statement. (Indicate which statement applies.) oso 'Neither the entity submitting this sworn statement, nor any of its officers, directors, executives, partners, shareholders, employees, members, or agents who are active in the management of the entity, nor any affiliate of the entity has been charged with and convicted of a public entity crime subsequent of July 1, 1989. The entity submitting this sworn statement, or one or more of its officers, directors, e " executives, partners, shareholders, employees, members, or agents who are active in the management of the entity, or an affiliate of the entity has been charged with and convicted of a public entity crime subsequent to July 1, 1989. COO The entity submitting this sworn statement, or one or more of its officers, directors, executives, partners, shareholders, employees, members, or agents who are active in the eee management of the entity, or an affiliate of the entity has been charged with and convicted of a public entity crime subsequent to July 1, 1989. However, there has been a subsequent proceeding before a Hearing Officer of the State of Florida, Division of Administrative Hearings and the Final Order entered by the Hearing Officer determined that it was not in the public interest to et place the entity submitting this sworn statement on the convicted vendor list. (Attach a copy of the final order) I UNDERSTAND THAT THE SUBMISSION OF THIS FORM TO THE CONTRACTING OFFICER FOR THE PUBLIC ENTITY IDENTIFIED IN PARAGRAPH 1 (ONE) ABOVE IS FOR THAT PUBLIC ENTITY ONLY AND, THAT THIS FORM IS VALID THROUGH DECEMBER 31 OF THE CALENDAR YEAR IN WHICH IT IS FILED. I ALSO UNDERSTAND THAT I AM REQUIRED TO INFORM THE PUBLIC ENTITY PRIOR TO ENTERING INTO A CONTRACT IN EXCESS OF THE THRESHOLD AMOUNT PROVIDED IN SECTION 287.017, FLORIDA STATUTES FOR CATEGORY TWO OF ANY CHANGE IN THE INFORMATION CO ' INED IN THIS FORM. er / rLL y.( i (signature) 1301 >� (date) STATE OF 1 ' 0 c Gt__ COUNTY OF a—p PERSONALLY APPEARED BEFORE ME, the undersigned authority, v L'L 1 ' \ Q- y who, after first being sworn by me, affixed (name of individual signing) his/her signature in the space provided above on this 3 ay of V 1 I , 20 1 2 . eo AeL.A 4 se NOTARY tJ: LIC My commission expires: NATAUE JOHNS * Notary Public, State of Florida My Comm. Expkes Oct 28, 2015 Commission No. EE 121097 " 1 1. PO 1 014 P 111 . 1 PO Pm IPPO IP yqae 34 3 Q- rA.4.l +. c orY-- I ore) W Request for Taxpayer Give Form to the (Rev. I)ecereber 2011) Identification Number and Certification requester. Do not Department of the treasury send to the IRS. Internal Revenue Service Name (as shown on your income tax return) Harden & Associates, Inc. Business name/disregarded entity name, if different from above ° 0) n1 ° c Check appropriate box for federal tax classification: ° t r Corporation t 8 C l l/ i I 1 Individual/sole proprietor 1 1 C Corp (✓I Corporation I I Partnership p I 1 Trust/estate m c O. p o Limited liability company. En the fax cl assification (C-C corporation, S- S corporation, P 111 Cxeml >i payee ❑ Y p Y• ( p partnership) ► r1 U 1 1 Other (see instructions) ► Address (number, street, and apt. or suite no.) Requester's name and address (optional) o, 501 Riverside Avenue, Suite 1000 rn ur City, state, and ZIP code 1nn Jacksonville, FL 32202 List account number(s) here (optional) Part I Taxpayer Identification Number (TIN) Fnter your TIN in the appropriate box. The TIN provided must match the name given on the "Name" line 1 Social security number to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other entities, it is your employer identification number (LIN). If you do not have a number, sop How to got a l !1N on page 3. Note. If the account is in more Than one narrte, see the chart on page 4 for guidelines on whose Employer identification number number to enter. 5 9 - 2 1 4 2 7 3 9 Part 11 Certification tinder penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number (or I am waiting tor a number to he issued to mo), and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (h) I have not been notified by the Internal Revenue Service (IRS) that I am subject lo backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and 3. I am a U.S. citizen or other U.S. person (defined below). Certification Instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your lax return. For real estate transactions, iterrt 2 does riot apply. For mortgage interest paid, acquisition or abandonment of secured properly, cancellation al debt, contributions to art individual retirement arrangement (IRA), arid generally, payments other than interest and dividends, you aro not required to sign the certification, but you must provide your correct I IN. See the instructions on page 4. Sign signature of L� /( 1 1. Vv` r / 1 w V. �. �Z Here U.S. person ► 1 k (�C Date ■ ► General Instructions Note. If a requester gives you a form other than form W -9 to request your I IN, you must use the requester's form if it is substantially similar Section references are to the Internal Revenue Code unless otherwise to this Forrn W -9. noted. Definition of a U.S. person. For federal lax purposes, you are Purpose of Form considered a U.S. person if you are: A person who is required to file an information return with the IRS must • An individual who is a U.S. citizen or U.S. resident alien, obtain your correct taxpayer identification number (TIN) to report, for • A partnership, corporation, company, or association created or example, income paid to you, real estate transactions, mortgage interest organised in the united Stales or under the laws of the United Slates, you paid, acquisition or abandonment of secured property, cancellation • An estate (other than a foreign estate), or of debt, or contributions you made to an IRA. • A domestic trust (as defined in Regulations section 301.1/01 - /). Use Form W -9 only if you are a U.S. person (including a resident alien), to provide your correct TIN to the person requesting it (the Special rules for partnerships. Partnerships that conduct a trade or roquostor) and, when applicable, to: business in the United Stales are generally required to pay a withholding tax on any foreign partners' sharp of income from such business. 1. Certify that the I IN you aro giving is correct (or you are waiting for a I urther, in certain cases where a Form W -9 has not been received, a number to be issued), partnership is required to presume that a partner is a foreign person, 2. Certify that you are not subject to backup withholding, or and pay the withholding tax. Therefore, if you are a U.S. person that is a 3. Claim exemption from backup withholding if you are a U.S. exempt partner in a partnership conducting a trade or business in the United payee. If applicable, you are also certifying that as a U.S. person, your States, provide I orm W -9 to the partnership to establish your U.S. allocable share of any partnership income from a 11.S. trade or business status and avoid withholding on your share of partnership income. is riot subject to the withholding lax on foreign partners' share of effectively connected income. Cat. No. 10231X Form W -9 (Rev. 12 -2011) • LO -r ` c_/■/6ja" PP r r 0.1 ii. , XM,K 1 r, , ..,, . .A.-1:-. ,..M.- rr ei.„....„..,,,,,,,,,,,,,4„,„,,,,„..,„,,,,,,,,..,,7,,,.,„„,,,,,,:„,,,,,„,,,4,,,,,,,.,„*„,-,,,,,,,,,,„,,,,,,,.,,,,,„,„.„,,„,„.,, , , , ,,„.,.,„:,, „ ,,„:„,„ , ..,,„,,, , ,,, „ ,,, , ,,. , ,,, „, ,, ,„ ....„ , 4 „, „. , , .., ,..„ t , A ,, .,,,-,, r terv"; 4 i . ,. i . 1 A .-" -',... . 7 -' i ' l ' i ‘.;-: -: . 'fti ' '''- ' ?.. 7- 1. 6 #' 4i1"11 i . 7-7- -. - 7 -1 " 77 .`! . . . h „ '.. '' ' . ''`..„, .. , a , • - tro .Alk 114ritt Of FIN '''' ' 1 ''''a '''' '1E4 44 ; :' . , . ',,..:; f i 4*'44, " ttt',.. .'i .. r 4t0 .4- "I J„ v.., ' . 7 ,, 1 . k 94efic ...., 11, 4 s . ''''' 1 . „4.,i- 4 ' t , . .:,..., i 7 „;;;,, f 6. 41%,.. IT,: 1 4. - ' .. - "!t 5' .., 1 - ., / t tr 4V, *kr4rW cargt: %14 ' ', ''. ' Y,i : ;; ,.., !g 4„ -to, IN, Aftv g j eli9 ii I. „„0.4...._ 4 , 4 ,, -.4':•.; A 4 f r ) 0:. !A 1,1 tko ''' isli6 3,4 HARDEN & ASSOCIATES, INC. .41,' ' I ,. ! 1 '.. 0 . -, 4 1m. wor' , veZ Torvr NH infa 1 ,,,`?' ' , 501 RIVERSIDE AVENUE STE 10,01L „, ,:. ., -.•..,.;:',- . „ , , ,;N 3--','. ; 1 et ..," : UL: JACKSONVILLE FL 32202 -:.:! li. 1 t p . 04* i 41 , .., -V 4i;" fogt; 14 - -... * )4. 4 iT. 5 g! V 4:';;"'• g' 4:::.., . .-...: , ::', ..;. .... - , , - .:, :,64 (.„.• ?§ . f leit * A it b.. k _ C A tkok , 540 - vr ., i ' ...,.;, u. `V-.:,-;;;::::.'.;) . •., ::-,.-,:'.f::::- 6 i;',9 , L","4 , Ia. '404 144.1' ,.4 ta-Nit ' - , - ,, zit r tw — - - - - .i 4/.. --7,,...,;k:,%.:- _ .. t. „,.. - I ' '"* lov - 4* % S.41 V Mt r 4 ,.. . , A .' . . -' - ' • . 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A ej..IL.i..,,,, „g '5 -3. :,:-:,,.. - , itg_. ._,..,utopri..... , e. ,, , — ---; - — '--- ' '.--. -', .. . -,,,,-, c To sboion 626.747, Florida Statutes , This Agency Shall Be In The,,eknumitinuiwungsvi.. ,bi ,.., To ,, 4, ” * .o.f. , , ;., ',!•..., . ;'. Of A Licensed General LitieEklAgent Or Life Or Health Agent Who Is .A ppfit$,. To , ,.!„j ...,..,-..„, P'.' 1 r itzi, : - ,,..:„;.„ i.,, , .: , ,-„:„, r , , ,1 Pursuatit TO Section 626.172, Florida Statutes, Each Agency Shall 6i4s Itii1 ' SW ' ' ' . ' -; : ''''''''.. '''''' '''' 7 '''al °''''''■ 0* minentl In A Manner y That Makes It Clearly Visi To Any ble t ' -'ii k ,* i 'k ,.' -. 7i, 4.. !t.tiskliritm . 4 I . It ",,-. ; .', ,, 1 ' 2 % -, ;•,,,,, i. , ' ' ' sA, ■t:',‘ A A* 4. . sk,, .,4: *44 ''' t ) I ' Customer Who Enters The Agency. A -R 'A qt,:i ',. -. .;.,, '-,,-: . ..i. :', : :: ....;;;:,:::;:::::- ,;;:, ', ... : ..' '. 740C lar," r 'lg , - i' ,, ,,t,§ 4 10 'PosIE ii% ' ef '74.: AA, 04ii 44 ;5 15‘.' ; . 1 ' - ' ' '. ' :-' '-; .• - ', :' ' ',.. ' .::..:;; -..:A ... , 1 , ,:K' , ' , i'''!•' • ' . ' • , , 0, .t. tv , , , 0. ,,, 0 efe *RI A 41 . ? , ^ i . I ' . 41 44 4I , 3%,,,/ ,, S 0 ,§.. .,• Iv ,... . .,..„. .,..,,,, , ..„ „,.- , .., „,.,,,„,,,, -,,,:::,,. ....,.:,:„, .,,,,, ,,,,::,..:,. ..:,., ,.....- .„ 4-' ., ,...,,,,, ,, ,tmcx‘- 4 74.9, Vmv ; - ,ot .,,. t.. , , — .. '''''. ::.: .;:::!..,.:, ., .,...,,?. . Chief Financial Officer r ,,„.„ A ,„ . „,„ , si41 .. eilta r 4.4,7. — 4,-ra7..vi 1 : a , ., a ... .....5 • iket: .‘‘ %sit , orrp Ito 4.04i. Ibr .rimpa - ..A.,„ , ) A , .4, ,. , ,...;,„ .,.......:„:„„ , „,.....,„ .:. ,,,..„,,...., .. ..,„ .4, r r r r r t .1, r r r. r r r e i. r r r r r r r r r r Response to Request for Proposal for: City of Atlantic Beach Page 1 Insurance Market Knowledge and Access Please provide a brief overview of your view of the current insurance marketplace, your firm's standing with each of the major carriers for each line of business (employee benefits and property / casualty), and current market conditions. In assessing current employee benefits market conditions in North Florida, we will consider the market for two separate categories: health insurance and all other ancillary lines. Health Care Reform has had and continues to have a notable impact on the health insurance market. Carriers have introduced new platforms of products designed to be Health Care Reform compliant, and migration to these plans is often a requirement for employers at renewal. Beginning in 2011, Health Care Reform required health insurance carriers to be subject to a Medical Loss Ratio of 85/15 or pay rebates back to policyholders. In their effort to avoid any rebates, carriers are aggressively pricing renewals and new business at rates that keep costs flat or even significantly reduce costs. As a result, the marketplace has been highly competitive for the last 6 -9 months. Each health insurance carrier offers a multitude of benefit plan designs, with the primary differentiators being network of providers, Rx formulary, and value added services. With Humana withdrawing from the North Florida medical market in 2010, there are now just 5 local health insurance markets: Aetna, AvMed, CIGNA, Florida Blue (Blue Cross Blue Shield of Florida), and UnitedHealthcare. Ancillary line providers offer more consistent opportunities for savings, as their liability is more predictably capped thus enabling competitive and aggressive pricing and packaging to gain market share. As a result, it is often prudent to periodically take existing ancillary contracts to market to assess if your package remains competitive. This is true even if you may have experienced little to no increase in rates for some time. As one of Florida's largest employee benefits brokers /consultants, we developed strong, influential relationships with many benefit carriers. We leverage these relationships, along with our extensive experience and knowledge of systems, to ensure issues receive special attention, and are elevated to the highest organizational authority levels when necessary. This experience proves to be valuable in negotiating and navigating claims issues to produce expedient and effective outcomes. Recognition we've received from service providers in the industry include: Aetna: Best in Class — Chairman Level CIGNA: Significant local membership in CIGNA Florida Blue: Blue Diamond (highest level) and Advisor Council North Florida Humana: Premier Broker United: Gold Level HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 2 Harden strives to extract meaningful information from the marketplace to develop an actionable plan, which will assist City of Atlantic Beach in creating competitive benefit offerings. This analysis results in best -in- practice standards to provide the most effective planning in assisting clients in realizing their vision. The property /casualty public entity market is very specialized for most lines of coverage due to their unique exposures and need for specialized resources and coverage. In addition, public entities have a legal status that provides some statutory protection (sovereign immunity) as provided by F.S. 768.28. These various factors have led the Florida Public Entity property and casualty insurance marketplace to be dominated by insurance pools (aka Trusts, Cooperatives) for the major lines of coverage. The major Florida pools and a brief description of each are provided below: Distribution /Harden Name of Trust Administrated by: Lines of Coverage: relationship: Property General Liability Preferred Public Officials Liability Distribution is exclusively through Public Risk Underwriters appointed agents. Harden is a Governmental Employment Practices Liability through a written contracted agent/broker with Preferred Insurance Trust contract with Preferred Law Enforcement Liability and has worked with the organization (Preferred) Commercial Auto since its inception Crime Workers' Compensation Property General Liability Florida League of Cities Distribution system does not typically Public Officials Liability Insurance and Financial include contracted agents. Harden has Florida Municipal Employment Practices Liability Insurance Trust (FMIT) Services Department Law Enforcement Liability worked with FMIT and has utilized their through contract with Commercial Auto program for current public entity clients FMIT and various RFP processes. Crime Workers' Compensation Property General Liability Public Officials Liability Distribution system does not typically Public Risk World Risk Employment Practices Liability include contracted agents. Harden has Management of Management, LLC Law Enforcement Liability worked with PRM and has accessed Florida Commercial Auto their program during RFP processes. Crime Workers' Compensation Florida Association of Counties Trust (FACT) — Harden is one of the few appointed brokers with FACT in FL. While FACT is currently not a market for Florida cities, Harden's access to FACT's educational and training information that applies broadly to public entities would be beneficial to the City of Atlantic Beach. One of the benefits of utilizing Harden as the broker /consultant for the City of Atlantic Beach is due to the fact we are independent with no common ownership /financial relationship with the Insurance Pools and /or their administrators. This allows us to provide unbiased counsel on the options available and broadly access the insurance marketplace based on market conditions and the changing needs of the City. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 3 Private Insurance Marketplace: As outlined above, the Insurance Pools currently provide a large majority of the insurance coverage for public entities in FL. The private marketplace can provide certain coverages to public entities especially as relates to some of the misc. lines of coverage not provided by the Insurance Pools such as: Fiduciary Liability; Environmental Liability; Accidental Death & Dismemberment, Primary Flood, etc.. Harden has virtually complete access to the insurance marketplace for these coverage lines in the private marketplace to assure the most competitive options available. it should be noted that the private marketplace is also viable for some of the major lines of coverage as well. However, few of these carriers have the ability to provide all lines of coverage and often don't have the same resource support focused entirely on Florida public entities. In addition, the inability to provide all lines of coverage creates leverage for the insurance pools from a competitive nature since they often apply credits for providing multiple lines of coverage especially those that are considered high -risk such as the Property insurance. Current Market Conditions: Currently, the marketplace is shifting away from a very favorable (aka "soft ") insurance market cycle. A "soft" market cycle generally consists of decreasing premiums and broadening coverage. Likewise, a more difficult (aka "hardening /firming ") market cycle generally consists of rising premiums and restrictions in coverage. This shift is most prevalent as relates to catastrophic property insurance in which 10% increases are not uncommon, with this trend is expected to continue throughout 2012. Workers compensation rates increased (avg. of 8.7 %) in 2012 for the 2nd consecutive year. Despite these increases, Workers Compensation Rates have decreased 58% since major legislative reform in 2003. However, it appears the workers compensation market has hit bottom and this trend of increasing rates is likely to continue at least in the short -term. The other major lines of coverage are fairly competitive still, with flat rates and some opportunities for slight reductions. These changes stress the importance of putting additional emphasis on engaging risk management partners with the resources and service platform to help support reducing the frequency and severity of losses. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 4 For each major line of insurance coverage, please list all insurance carriers you believe could provide a competitive option for the City of Atlantic Beach. Listed below by line(s) of coverage is a representation of the markets we would solicit for your benefits program. Medical Aetna AvMed Florida Blue (Blue Cross Blue Shield) CIGNA United Healthcare Dental Aetna Assurance Employee Benefits Florida Blue / Life & Specialty Ventures CIGNA Delta Dental Guardian Humana Lincoln Financial MetLife Principal Reliance Standard The Standard Sun Life United Concordia United Healthcare Life / Disability Aetna Assurance Employee Benefits Florida Blue / Life & Specialty Ventures CIGNA Dearborn National Guardian Hartford Humana Lincoln Financial MetLife Mutual of Omaha Principal Prudential Reliance Standard The Standard Sun Life United Healthcare Unum / Provident Vision Humana Vision Service Plan United Healthcare Voluntary / Worksite Marketing Benefits Allstate Humana Colonial American General AFLAC Commercial Package Policy (Including Property, General Liability, Public Officials Liability, Employment Practices Liability, Law Enforcement Liability, Crime and Auto) and Workers' Compensation Preferred Governmental Insurance Trust Florida Municipal Insurance Trust Public Risk Management of Florida ) HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 5 For each of the carriers noted above: a. Note whether or not you are currently contracted with each. b. Reference and provide contact information for a specific client currently insured by each carrier you actively work with. Because of the large number of carriers involved, we have listed client references for the medical carriers only. We would be happy to provide client references for any of the ancillary lines carriers if specifically requested. Medical Aetna AvMed Contracted: Yes Contracted: Yes Reference: Momentum Transportation Reference: Information Systems of Florida Contact: Shannon Kuhnell, HR Manager Contact: Janice Costley, Controller Phone: (904) 880 -1180, extension 7803 Phone: (904) 724 -0285, extension 6211 Florida Blue CIGNA Contracted: Yes Contracted: Yes Reference: City of Fernandina Beach Reference: EverBank Contact: Robin Marley, HR Coordinator Contact: Michelle Owens, VP, HR Director Phone: (904) 277 -7320, extension 2 Phone: (904) 281 -6014 United Healthcare Contracted: Yes Reference: Pritchett Trucking, Inc. Contact: Lorie Flaris, Human Resources Manager Phone: (904) 354 -3721 Dental Aetna Assurance Employee Benefits Contracted: Yes Contracted: Yes Florida Blue / Life & Specialty Ventures CIGNA Contracted: Yes Contracted: Yes Delta Dental Guardian Contracted: Yes Contracted: Yes Humana Lincoln Financial Contracted: Yes Contracted: Yes MetLife Principal Contracted: Yes Contracted: Yes Reliance Standard The Standard Contracted: Yes Contracted: Yes Sun Life United Concordia Contracted: Yes Contracted: Yes United Healthcare Contracted: Yes HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 6 Life / Disability Aetna Assurance Employee Benefits Contracted: Yes Contracted: Yes Florida Blue / Life & Specialty Ventures CIGNA Contracted: Yes Contracted: Yes Dearborn National Guardian Contracted: Yes Contracted: Yes Hartford Humana Contracted: Yes Contracted: Yes Lincoln Financial MetLife Contracted: Yes Contracted: Yes Mutual of Omaha Principal Contracted: Yes Contracted: Yes Prudential Reliance Standard Contracted: Yes Contracted: Yes The Standard Sun Life Contracted: Yes Contracted: Yes United Healthcare Unum / Provident Contracted: Yes Contracted: Yes Vision Humana Vision Service Plan Contracted: Yes Contracted: Yes United Healthcare Contracted: Yes Voluntary / Worksite Marketing Benefits Allstate Humana Contracted: Yes Contracted: Yes Colonial American General Contracted: Yes Contracted: Yes AFLAC Contracted: Yes As noted above, Harden has virtually complete access to the private market place to secure your ancillary lines of coverage. For your major lines of coverage, the Florida insurance pools would offer the most competitive options: Commercial Package and Workers' Compensation Preferred Governmental Insurance Trust (Preferred) Florida Municipal Insurance Trust (FMIT) Contracted: Yes Contracted: Distribution system does not typically have Reference: City of Fernandina Beach contracted agents. Harden has worked with FMIT and Contact: Tammi Bach, City Attorney accessed their program for public entity clients. Phone: (904) 491 -2044 Reference: Nassau County Board of County Commissioners Contact: Chili Pope, HR Director Phone: (904) 491 -7332 Public Risk Management of Florida (PRM) Contracted: Distribution system does not typically have contracted agents. Harden has worked with PRM and accessed their program for public entity clients HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 7 Client Knowledge How does your understanding of public entities and municipalities help us achieve our objectives? Harden brings broad experience with municipalities and public entities to the table, enabling us to understand the specific issues and challenges that face these governmental employers. This experience is combined with your unique client objective support plan, which identifies the specific strategies we will utilize to meet your objectives. Our ongoing partnership with other municipalities in North Florida has provided us an exposure to and understanding of the key issues facing your business segment, and we have successfully developed solutions for these client partners. Harden has broad access to the insurance marketplace including the public entity focused best practice resources that can be distributed and incorporated into your strategic Objective Support Plan developed with the City on an annual basis. In addition, all of the Insurance Pools disseminate value added literature and conduct various seminars and educational sessions focused on Florida Public Entities which gives Harden broad access to valuable information across multiple resources that can be shared with our public entity clients. What do you perceive as the key issues facing the City of Atlantic Beach over the next few years and how would you address them on our behalf? At the enterprise level, we highlighted specific issues the City is facing in our Executive Summary. The below will outline specific issues we see specific to your employee benefit and risk /insurance programs. Some of the issues and challenges we expect the City of Atlantic Beach benefit program to face are: • Direct and indirect impact of pension funding challenges on total employer benefits budget • Transition from traditional plans to consumer directed health care models • Continued Health Care Reform impact and implementation • Lack of efficiencies in benefits program administration • Identification and management of claims utilization driving premium cost increase • Special considerations for aging workforce • Compliance with Legal and Regulatory requirements • Parity / relationship of affiliated municipal union benefits • Potential increase in exposure for dependents covered /added due to economic challenges and unemployment rate Direct and Indirect Impact of Pension Funding Challenges on Total Employer Benefits Budget With the economic turmoil our country has suffered the last few years, pension plan funding has been hit particularly hard. Financial obligations to plan participants remain static while the underlying funding erodes from market decreases. Public employees are forced to look for savings in other benefit areas to offset these losses, and maintain their ability to fulfill their pension obligations. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 8 Harden has assisted our clients with pension plans meet this challenge head on through innovative benefit plan design packages and aggressive negotiations that produce overall savings to the bottom line. By understanding both the employer's recruitment/retention philosophy and specific needs of their employee population, we can design a package that continues to deliver key features, while providing savings in areas that are less critical. In addition, we can supply tools to educate your employees and assist them in selecting benefit choices that best suit their personal circumstances. Transition from Traditional Plans to Consumer Directed Health Care Model During the last 5 -7 years, the market place has seen an explosion in enrollment for high deductible health plans that reflect the consumer directed health care (CDHC) model. These plan designs, with their large deductibles, are lower in cost than traditional plans and shift more responsibility to the enrollees for making thoughtful, cost effective decisions regarding their health care. The premium savings often offset the additional out of pocket expense experienced by the average consumer. Harden has extensive experience in transitioning employees from traditional plans to CDHC arrangements. We have developed education campaigns and communication materials to ensure that your employees understand and embrace the new plan designs. This includes a Plan Modeler tool that can help employees estimate their anticipated health care costs and determine which plan is right for them. We leverage carrier resources to support these efforts through onsite meetings, web tools and communication materials. Employers typically see increased membership in these plans year over year as employees grow more knowledgeable and comfortable with the concept. Worksite marketing / voluntary benefits can be utilized to mitigate any potential out of pocket costs associated with high deductible health plans. The voluntary benefit product mix is carefully evaluated to determine the best complement to existing health benefits. We have successfully integrated the strategy with clients to allow employees to maintain coverage while keeping it affordable. Continued Health Care Reform Impact and Implementation We understand that Health Care Reform can be overwhelming and confusing. We work diligently to keep you up -to -date with the current state of Health Care Reform. We are constantly assessing the short -term and long -term effects on employers' health programs and will keep you advised as to the requirements for your organization. We develop an annual review for our clients that outline specifically how each component of Health Care Reform may or may not impact their benefit provisions, cost structures, contributions, employees, payroll and more. These personalized reviews help our clients focus on the issues that are important to them. We email notices regarding Health Care Reform mandates and changes as soon as they become available. These notices are also posted on our website for 24/7 access. Lack of Efficiencies in Benefit Program Administration Due to the administrative complexity of benefit administration, Harden utilizes a variety of technological resources to assist our clients in delivering messages that enhance corporate vision and improve employee education and behavioral modifications. We collaborate with best -in -class vendors who provide tools and capabilities used to communicate benefits to employees, capture employee benefit elections and assist human resources with employment related research. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 9 We utilize four models to assist with open enrollment elections and any changes needed throughout the year with new hires or qualifying event updates. We have partnerships with several vendors that have the ability to capture employee benefit elections at open enrollment and throughout the year. These models are presented in greater detail under the section, "Technical Knowledge." Identification and Management of Claims Utilization Driving Premium Cost Increase We can provide detailed claims analysis in an easy to understand review. These reports illustrate how your employees are using the plans; help identify areas that can be targeted for employee education, and lead into conversations regarding creative cost - reducing solutions. Trying to understand why insurance premiums go up every year can be challenging. Many employees do not know their claims affect premium increases. For example, if employees go to the emergency room (for non -life threatening issues) instead of using an Urgent Care Clinic, they pay more, the insurance company pays more and then premiums go up at renewal. In addition, our Health Management Services focus on linking the design of workplace health and wellness programs can assist as a business strategy with the objectives of reducing healthcare trend costs and increasing productivity. These services revolve around the following: • Identify exposure to risk o Analyze health claims, identify healthcare cost drivers, and develop benchmarks o Review historical wellness outcomes and develop benchmarks • Facilitate program implementation o Provide an audit questionnaire to evaluate corporate culture and employee perceptions as it applies to health and wellness o Develop a communications and wellness strategy to promote healthy living o Facilitate in coordinating biometric screening (i.e. height, weight, blood pressure, lipid panel, glucose, body composition) • Manage and assess value of program o Measure and assess interventions against benchmarks o Facilitate an employee interest survey questionnaire to assess employees' value of programs Our team also assists in the coordination of various vendors to attend the health fair. We begin an early planning process to identify potential vendors to enhance the overall experience of the employees attending the health fair. This precise planning allows the fair to be viewed as an "employee appreciation" event while allowing the company to gather important data on the health status of the employees for proactive wellness planning. The next steps would involve creative solutions to enhance and sustain attendance by the employees in a multi -year strategic plan. We help leverage your health plan carrier's resources throughout the process to maximize opportunities and impact. We have also created a wellness calendar that can be used as a wellness initiative throughout the year and includes links to various brochures regarding a specific month's wellness campaign. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 10 Special Considerations for Aging Workforce Not only is the American population in general aging, but municipalities and public entities tend to have an older population as compared to the private sector. This is primarily due to the stability and generous benefits these public jobs offer, which results in generally lower turnover rate. Pre- and post- retirement strategies can therefore be a consideration, and Harden can assist in developing and evaluating potential alternatives to address this concern. Also, we can create educational programs that focus specifically on pertinent health and benefits topics for your population. Development and implementation of a wellness program, as referred earlier, would provide opportunities for improvement and enhancement of overall health of your workforce. It's never too late to start good health habits! Compliance with Legal and Regulatory Requirements Since legal and regulatory information constantly changes, it is our responsibility to make sure you stay informed and are prepared for any impact these changes may have on your business or employee benefit programs. We use many third party sources that regularly provide us with information on current and pending legislation at the state and national levels. This allows us to be proactive, rather than reactive; helping you plan for the future instead of worrying about the consequences. This service is especially critical as components of Health Care Reform are enacted and amended each year. Clients are informed of regulatory and legislative changes throughout the year through: • Time specific electronic notices, generally distributed through an email blast • Client specific benefit HR notices • Client seminar briefings • Client meetings Parity / Relationship of Affiliated Municipal Union Benefits Municipalities often have separate groups of employees divided into union and non - union. This can often mean separate benefit packages as well. As part of our strategic marketing and analysis process, we will address any special considerations relative to the relationship of the non -union and union benefits to ensure your program meets your objectives and creates few, if any, complications or ramifications. Potential Increase in Exposure for Dependents Covered / Added due to Economic Challenges and Unemployment Rate The Bureau of Labor Statistics (http: / /www.bls.gov /lau /) currently puts Florida's unemployment rates at 9.4% as of February 2012. Although this is down from February 2011 (10.8 %) it is still an ever present issue. This may result in increased enrollment for dependent coverage, as these dependents lose eligibility or coverage of their own. As a concerned employer, as well as for recruitment and retention, you naturally want dependent coverage as a component of your benefits program. Dependent Audits can also be a useful tool in controlling costs. Many plans are still covering overage dependents which increase the amount of company expenses. We assist with helping you if an internal audit would be beneficial to identifying these dependents, requesting dependent status verification, and possibly removing them from the plan thus lowering costs. Additionally, we have other considerations to assist you in evaluating your dependent benefit coverage process. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 11 Some of the issues and challenges we expect will impact the City of Atlantic Beach's Property and Casualty and Risk Management program are: • Insurance marketplace shifting away from a "soft/favorable" environment into a "hardening" marketplace in which increasing premiums and coverage reductions are more prevalent • Erosion of sovereign immunity protection • Exposure to catastrophic hurricanes • Mounting pressure on Florida Legislature to implement Occupational Safety & Health Protections for Florida public workers • Potential impact of workers compensation claims compensable under F.S. 112.18 (aka Heart & Lung) Insurance marketplace shifting away from a " soft/favorable" environment into a "hardening" marketplace in which increasing premiums and coverage reductions are more prevalent As noted previously, property rate increases are expected to be 10 %+ in 2012. Workers Compensation rates are also increasing a state -wide average of 8.7% along with changes to the experience modification formula that places greater emphasis on primary losses above $5k that will ultimately create larger swings in the experience modification factor. Aggressive market negotiations along with reductions in frequency and severity of claims will be paramount to mitigate some of the "macro" insurance marketplace conditions that are beyond the control of the City. Erosion of Sovereign Immunity Protection In 2010, the legislature increased the tort cap on Florida public entities from $100k per person /$200k per incident to $200k per person /$300k per incident that became effective on Oct. 1st, 2011. Not only will this put growing pressure on liability rates to increase, but this will impact organizations who wish to retain more risk in the future by having high deductible and /or self- insured programs. In addition, 3 very large "claims bills" were passed by the legislature in 2012 of which 2 were in excess of $10M. It should be noted there is some concern over increased emphasis /discussion taking place on the financial condition (i.e. Cash Reserves) of entities in which claims bills are being sought. For instance, it is noted that City of Atlantic Beach has positioned itself more favorably than many public entities based on conservative budgeting and long -term planning. This includes maintaining contingency levels for each major operating fund of at least 25% and maintaining cash reserves of nearly $30M ($4M in the General Fund). Thus, changes in the trend of "Claims Bills" should be followed closely and program adjustments made accordingly to protect the funds of the City against a potentially large uninsured claim granted through the claims bill process. Currently, the City maintains limits of $1M for the major lines of liability coverage subject to Florida's Sovereign Immunity Statute (768.28). Harden was involved in a multi - million dollar claim involving the City of Fernandina Beach in which a claims bill was eventually approved by the legislature and levied against the City of Fernandina Beach almost 5 years after the original incident. The severity of the claim, sensitivity of public relations, and complex nature of the "claims bill" process required support from Harden to help manage the process and provide advocacy on behalf of the City. Exposure to catastrophic hurricanes Due to the proximity of the City to the Atlantic Ocean the need for disaster planning is very critical. This includes pre - planning, coordination and integration with insurance carrier catastrophic claim processes including FEMA's Public Assistance Program support. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 12 Mounting pressure on Florida Legislature to Implement Occupational Safety & Health Protections for Florida public workers similar to OSHA standards that apply to private employers Following the 2006 Wastewater incident in Daytona that killed two public employees, the U.S. Chemical Safety Board (CSB) along with various trade associations and union groups supported bills in the Legislature that would require such standards be applied to Florida public workers although these bills died in committee in 2009 & 2010. No legislation was presented in 2011 addressing this issue so the CSB issued an unprecedented statement declaring Florida's inaction and failure to adopt recommendations to provide federal -level workplace protections an "Unacceptable Response ". While the State does not currently have such requirements, the City can assess current practices against standards such as OSHA CFR 1910 (General Industry) and CFR 1926 (Construction) that apply to private sector employees in an effort to protect City employees and remain on the progressive end of this topic should the Legislature move toward adopting a statewide program in the future. Currently, there are 27 states that have adopted Federal based standards for public workers. Potential impact of workers compensation claims compensable under F.S. 112.18 (aka Heart & Lung) This valuable coverage applies to firefighters, law enforcement officers, & correctional officers and considers certain medical conditions, including heart disease and hypertension, to be work related and compensable under workers compensation statutes if certain conditions are met. Thus, Wellness Initiatives can have positive impacts on possibly reducing these types of claims. Trends in "Heart & Lung" claims should be monitored including analysis of employee demographics and potential future impact on claims. Provide us information about your firm's history including the number of clients you service in our industry and experiences you have which will benefit the City of Atlantic Beach. Harden Firm History Harden was founded in Jacksonville, Florida in 1953 as Harden Insurance Services. The firm, now Northeast Florida's largest comprehensive insurance, risk management and employee benefits firm, was originally founded as a personal insurance provider. Founder M.C. Harden, Jr. built the firm on two key principles that still guide the firm today: focus on client objectives and community stewardship. His dedication to client needs propelled the firm forward throughout the 1950's and 1960's. His equally ambitious desire to impact the growth and well -being of the community meant that he and his associates balanced their careers with civic involvement and non - profit leadership for a variety of causes. In the mid- 1970's, M.C. (Ceree) Harden, III joined the firm to engineer the company's next important stage of development. He established Harden's commercial insurance services, further broadening the company's scope of offerings and client base. After his father's passing in 1980, Harden continued to build a team of high -level insurance professionals and expanded the firm's scope by helping establish Harden as one of the leading employee benefits providers in Jacksonville. The firm flourished in the 1980's as a fully diversified insurance and employee benefits company. The personal insurance group, originally the cornerstone of the firm was now complemented by thriving commercial insurance, employee benefits and financial services divisions. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 13 Refining & Perfecting a Nationally Acclaimed Delivery Model With key business units in place, Harden was poised to make the 1990's a decade of unprecedented growth and development. The period was defined by careful attention to process and the development of a new strategic client service model. Client Support Teams were formed in all divisions, giving each client a multi - disciplinary Harden team that matched each of their internal risk management or benefits staff by function. The success of this client service model was augmented by the continual addition of associates with national credentials and certifications. The strategic process and performance- orientation they applied to all client relationships was soon formalized as QSS, or Quality Service Standards, now a hallmark of the firm and a nationally recognized delivery model. Embracing Its Roots, but Looking to the Future With almost sixty years of service, Harden's associates number 120. With more than $300 million in premiums placed, the company is now a major regional service provider and is accredited by the leading industry organizations. Most notably, the firm has been ranked as a Best Practices Agency by the Independent Insurance Agent and Brokers of America for twelve consecutive years. It is a Charter Member of the Council of Insurance Agents & Brokers' (CIAB) Quality Insurance Congress. Throughout its decades, the firm's commitment to community and civic duty has gone unchanged. Executives and associates of the firm serve on boards and as volunteers. Harden has remained independent and Jacksonville- based, believing that clients value local access and a concentrated depth of "headquarters" resources delivered by the most talented and well- trained professionals in the region. Harden currently has over 200 employee benefit clients and 800 commercial insurance clients. We have several public sector and municipality clients, in addition to other public, private and non - profit corporations with similar objectives and requirements. The size of our client base ranges from employers with 2 to over 7,000 employees. Some of our current municipal clients include: • City of Fernandina Beach • City of Jacksonville • Nassau County Board of County Commissioners • Hamilton County Board of County Commissioners • Jacksonville Transportation Authority • Jacksonville Housing Authority • St. Johns River Water Management District • Amelia Island Mosquito Control District • Sarasota Memorial Healthcare • Indian River Hospital District Our experience with the issues facing our municipal clients provides a foundation for understanding your objectives, goals, and identification of services and solutions to meet your needs and requirements. A HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 14 Depth of Staff What are the specific qualifications, skills and experiences of the person or persons who will ultimately interact with us in the performance of services provided by your firm? A critical element in the management of your account is the depth and experience of the people who will interact with you to accomplish your goals. We are proud of our record of attracting innovative and imaginative professionals to our firm. The merging of exceptional talent and proven expertise yields a uniquely creative environment for developing effective strategies to meet specific customer objectives. Your dedicated support team will be comprised of the associates on the following chart. Please see Exhibit 1: Associate Biographies for the specific qualifications, skills and experiences of each associate. In addition, each associate brings considerable tenure with Harden to their role as indicated below. City of Atlantic Beach Employee Benefits Division Commercial Insurance Risk Management Division Brooks Faison Shaun Woleshin Jennifer Woods, ARM Senior Vice President ARM -P, AAI, CRIS Director of Risk Management Account Director Vice President, Account Director 1 year experience at Harden 12 years' experience at Harden 12 years' experience at Harden Kelly Craddock, CEBS Justin Terry, ARM, AAI, AMIM Coleen Beach, AIC, ARM Vice President Executive Vice President, Claims Advocate Account Executive Account Director 3 years' experience at Harden 15 years' experience at Harden 12 years' experience at Harden Donna Guess, Elisa Simpson GBA, MHP, RHU, HIA, FLMI CIC, AAI, AIS, CPIW Senior Account Manager Vice President, Account Executive 10 years' experience at Harden 10 years' experience at Harden Alice Wilkins, Amanda Barnes, CPCU HIA, DIA/DHP, MHP Sr. Account Manager Account Assistant 4 years' experience at Harden 12 years' experience at Harden Jessica Goff Account Assistant 1 year experience at Harden HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 15 How do you allocate resources to assume responsiveness and flexibility to meet the needs of our account? Each of our clients is supported by one of nine client support teams. The team assigned to the City of Atlantic Beach has other public sector and municipality clients and is well seasoned with addressing the unique needs and objectives you experience. Being available when you need us is just one aspect of the resources allocated to the City of Atlantic Beach. Our business model incorporates a Client Objective Support Plan (COSP). The COSP is our road map which guides the strategies designed to meet your objectives throughout the year. It is typically initiated and revised each year at the time client pre - renewal activity begins. On a broad scale, this enables us to proactively manage the actions and target dates established to meet client expectations over an approximate 12 -month period. The responsibility for completion of these strategies is divided among your client support team, allowing us to allocate itemized tasks and accountability as follows: Account Director Your Account Directors are the responsible managing officers for your account. They actively engage in the development of client objectives and directing the implementation of strategies to achieve those objectives. Account Executive Your Account Executives provide daily management of your client support team. They facilitate the development, documentation and execution of the Client Objective Support Plan, assure the integrity of client data, promote proactive client communications, and maintain positive client relationships. In addition, they are responsible for the allocation of Harden resources, and are accountable to you for the performance of underwriting and other third party service providers. Senior Account Manager Your Senior Account Managers are responsible for Harden's program administration and client service implementation strategy. They are responsible for the execution of your service plan, providing daily program management and documentation, maintaining accurate and complete client data, and preparing responsive communication to clients and underwriting facilities. Account Assistant Your Account Assistants are responsible for supporting the Account Manager in tactical execution of the Client Objective Support Plan, providing daily program management and documentation, maintaining accurate and complete client data, and preparing responsive communication to clients. Director of Risk Management The Director of Risk Management works closely with your Account Executive and Account Director to identify and execute risk management services that will lower your total cost of risk. Examples of these services may include loss control, claims advocacy, actuarial analysis, enterprise risk management, and business continuity planning. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 16 Claims Advocate Your Claims Advocate will assist you with all matters in managing your claims, including monitoring open claims, providing periodic claim reviews, completing claim analytic reports to identify trends and offer mitigation techniques, communicating with carrier adjusters to bring swift resolution of claims, and controlling reserves that could affect your cost or risk. Constant communication including the documentation of objectives, strategies, and tactics allow our team to stay focused on your needs. Should the direction of a project change, this format allows us to move and adapt with the change while remaining on target with the set timeframes of your projects. Harden possesses the tools and resources to enable the members of the aforementioned support team to provide assistance at all times. For instance, every action item from all internal and external meetings are documented and entered into our advanced Agency Manager system where the support team can access information as well as client and carrier e -mails sent and received. It is due to these processes and tools; we affirm that client issues will be resolved within the targeted deadline. How does the current work load of the person or persons assigned to our account impact the overall management of our account? We are committed to dedicating the necessary time to meet the needs and expectations of managing your insurance programs. Our dedicated team approach assures continuity of service with efficiency and cost effectiveness. Our depth of staff is one of our differentiators from other brokers. In the team environment, you have multiple associates assigned to work on various aspects of your account. This allows Harden to be responsive with a sense of urgency. We assess all customer requests and inquiries based on the time required to resolve the issue and the response time requested from our customers. While many requests may be resolved during the course of conversation, most other requests should be resolved within an hour or the same day. When on -site visits are needed, our team has the flexibility to arrange these visits to accommodate your needs and schedule. In fact, one of our proposed client support team members, Account Executive Kelly Craddock, resides in Atlantic Beach. Our associates also have remote access to email and may be reached by cell phone or PDA in cases of extreme emergency. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 17 Technical Knowledge How will your services assist us with marketplace awareness, analytical and contract reviews, legislative compliance, and national initiatives relative to our industry and strategic objectives? Harden uses a variety of resources to assist clients in regulatory compliance including monitoring relevant federal and state legislation. Besides internal expertise and experiences associated with current and past clients, Harden has preferred relationships with accounting and legal firms. We access resources including the National Council of Insurance Agents and Brokers, LBA, Benefit Innovators, Inc., Smith, Gam brill and Russell, LLP, and Rogers Towers, as well as online search capabilities and research libraries. We also work closely with other client professional advisors to monitor regulatory and legislative developments. As pertinent changes occur, communications are immediately developed and disseminated to our clients so they are continually informed on a timely basis. In addition, further discussion regarding these developments is included at client management meetings. See Exhibit II: Sample Legislative Update Annual Renewal and Marketing In order to support a seamless transition, Harden's Employee Benefits Team would be assigned to the City of Atlantic Beach on or before the date a broker of record change was effective. The team will meet with the City of Atlantic Beach and immediately begin to address any short -term objectives. The annual marketing preparation begins with our pre - renewal planning process. The City of Atlantic Beach's annual planning process would begin around 120 -150 days prior to the renewal date. The marketing renewal timeline is identified in advance and modified as needed. The following summarizes the process: • Meet with the City of Atlantic Beach to develop specifications, protocols, and work flow processes; establishing expected performance metrics; and quality control measures • Design a Request for Proposal (RFP) for submission to chosen service providers • Submit RFP to selected service providers • Review RFP proposals and prepare comparative analysis for the City of Atlantic Beach • Meet with the City of Atlantic Beach to mutually agree on service provider finalists • Schedule and facilitate finalist presentation meetings • Select service provider • Notify service providers that were not chosen • Develop an action plan for implementation • Schedule periodic meetings to measure action plan progress • Identify the type of reports that will be required by the City of Atlantic Beach • Develop reports with the service provider and implement report production schedule • Schedule quarterly meetings with the City of Atlantic Beach and service provider to monitor effectiveness of the program A HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 18 Health, Dental and Vision RFP Process Harden has developed Request for Proposal (RFP) templates designed to empower respondents to provide complete and competitive proposals, as well as to provide our Client Support Teams with the information needed to facilitate further negotiations. Each RFP is tailored to the City of Atlantic Beach's specific objectives and submitted to markets identified in client discussions and based on Harden's knowledge of the marketplace. Our account managers are directly involved in the Marketing process. This enables them to be specialists in product knowledge, carrier capabilities, value positioning, and negotiation competencies. A customized RFP includes stand -alone best practice components to evaluate cost savings and enhance benefits administration gains in support of the City of Atlantic Beach's objectives. A detailed comparative analysis of the proposals submitted is presented to the City of Atlantic Beach for review and discussion. Modifications to the proposal are identified and communicated to the markets for revisions. Potential changes and further points for negotiation are identified, and a group of finalists is selected for presentations. The competitive information gathered from the marketing efforts is utilized in the finalist negotiation process. We maintain a database of comparative data on plan designs, rates, and contribution structures that can be used to benchmark and negotiate your terms and conditions. For contribution considerations, we have developed a template with embedded formulas that can easily model different contribution schedules. This template identifies the overall contribution liability split between employer and employee, and its impact to the bottom line. The depth and experiences of our associates speaks to significant capabilities relative to underwriting. More importantly we understand what underwriters are looking for in a quality submission. We know the questions that will be asked before they are asked and we know the areas to challenge. We use this expertise to proactively work with underwriters to secure a desired result on behalf of our clients. We include internal actuarial exhibits to forecast and challenge the carrier's actuarial exhibits. We also utilize internal and external actuarial calculations to gauge carrier responses as well as access to the major carriers underwriting formulas. Implementation Process Once final service providers are selected, the service account manager begins the process of implementation, managing open enrollment, communication, and ongoing new hire enrollment. Implementation Services we provide for client support include, but are not limited to: • Establish timeline and assign responsibilities for implementation /enrollment • Conduct meetings ensuring ongoing accountability of appropriate parties • Review documents for applicability and accuracy • Assist with evaluation and creation of potential systems and web designs • Design and develop communication materials • Coordinate service provider education, enrollment materials, and attendance at meetings • Coordinate and facilitate enrollment meetings and provide appropriate resources from Harden and service providers • Ensure timely compliance by providing reminders of required notices such as Medicare Part D, COBRA, Women's Health and Cancer Rights Act, etc. • Monitor establishment of client and service provider process and systems • Identify and resolve potential transition issues • Oversee timely delivery of ID cards, documents, etc. • Facilitate client /service provider debriefing to collect feedback on overall transition for future improvement opportunities HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 19 Our firm is the only firm headquartered in Jacksonville who is a member of the Council of Insurance Agents and Brokers (CIAB). The CIAB is made up of the world's largest insurance brokerage firms and conducts and disseminates various data exchanges including market surveys, best practices, etc. We are also members of several professional and trade organizations nationally. Harden participates in an on -line library of risk management and insurance documents that we use to share up -to -date industry news and trends as they become available. This exchange employs a dozen writers and around ten attorneys to assure relevant and accurate communications on risk related issues. Some examples of items that we have found helpful and have shared with our clients and prospects include: • Best practices for use of Waivers • Benchmarks from RIMS that compare our clients /prospects to other like industries • Red Flag Rules • Summer Heat Precautions • WC Recovery In addition to this specific library, we are involved with other industry specialists so that we stay abreast of news that could impact the City of Atlantic Beach such as: • Preferred Academy (public entity education and training opportunities on -site, off -site and online) • RIMS (leading risk management association for learning, resources and connections) • J. J. Keller (leader in workplace safety, training and compliance) • IRMI (Insurance Risk Management Institute) • Costangy, Brooks & Smith, LLC (law firm specializing in labor and employment law) Rounding out the above resources, we actively partner with our insurance carriers to provide safety, loss control and on site trainings designed specifically to address the areas of concern or needs of The City of Atlantic Beach. We will engage with you or on your behalf at Quarterly Round Table meetings, Annual Membership Conferences, and industry or coverage specific conferences throughout the year. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 20 How does your process for management and financial reporting help us understand our positioning in the marketplace relative to peer information and strategic planning? Detailed claims analysis and review are critical to enabling an employer like City of Atlantic Beach Board to understand its claims and cost drivers, which ultimately contribute to the insurance premiums being charged. We use claim analysis templates to identify trends, forecast costs, and identify opportunities for education or intervention. Regional and national measures are core components of this tool and assist in generating an easy to follow analysis. The report provides descriptive charts which make your data easier to understand and allows us to provide strategic advice relevant to your business. The data analysis is used to: • Drill down to investigate underlying issues • Uncover hidden problems • Model potential financial impact of changes We summarize this process as: Mme. • Measure Ct,ont Objectives • Benchmark • Evaluate i„ • Investigate • Model Harden assesses each of your service provider's standard and ad hoc reporting capabilities to establish a customized set of reports for the City of Atlantic Beach on a scheduled basis. This data is then used to monitor and analyze premium versus claims, loss ratios, claim costs, and outcomes. Financial reports can be provided to track the average cost per employee for a specified benefit plan as well as average contract size reflecting overall dependent enrollment, and are benchmarked against industry standards and other local public entities. We examine your health care utilization and costs with the Management Report, a comprehensive analysis that compares your health and Rx carrier data to reliable benchmark data from Thomson Reuters MarketScan® Research Databases and Kaiser Family Foundation. It benchmarks your data against normative values broken down by geographic region, industry and employer size. Based on data available from your carrier, we can view comparisons in over 20 medical and Rx categories, including: • Total Health Plan Costs • Emergency Room and Office Visit Utilization and Cost • Employees vs. Dependents Claims Costs • Rx — Brand vs. Generic Utilization • Rx — Member Cost Share HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 21 Once cost and utilization problem areas are uncovered, changes in your plan design can help address those issues. But before you make any decisions, we can model potential plan designs to allow you to see the impact of a change. Our Plan Modeler allows you to easily evaluate the impact of plan design changes for medical, Rx, HRA, and HSA plans based on proven actuarial factors. You have the opportunity to experiment with various plan design combinations to find the right fit for your business.** Harden compares your plan utilization to other employers of similar plan type, region and industry, and targets key areas of cost or utilization concerns to develop focused strategies. Our benchmarking tools utilize proven and reliable benchmark data from Kaiser Family Foundation and Thomson Reuters MarketScan® Research Databases. In addition, we also use data collected from our own client base, and national surveys such as Hewitt, Merger, Towers, Segal, and Deloitte to develop peer data review and analysis. We also have a Renewal Estimator tool that assists us in calculating a projected health plan renewal based on claim data and trend. This tool also enables us to evaluate the methodology of the actual renewal underwriting behind your medical renewal proposal. / ` HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 22 How would your firm assist the City of Atlantic Beach in the use of technology in communication, enrollment, self - service and administration of all benefit plans? What services are available within your firm? Harden has a variety of services available that utilize technology for administration of benefit plans. We have identified four models for consideration, based on your needs and objectives. For clients seeking a more comprehensive system that provides access to real -time data, carrier and payroll connectivity, and robust management reporting, our first model using BeneTrac (a subsidiary of Paychex), is the paramount solution. BeneTrac offers a fully automated, comprehensive system that is inclusive of an unparalleled menu of services, which fully integrate with carriers and payroll. Other services offered include list bill audits, eligibility tracking, hidden paychecks, employee communication tools, and COBRA administration /billing assistance. There is a fee for using this service and cost subsidization can be negotiated. The second model has similar functionality as the first but it allows you, the employer, to retain control. We will help build an online portal that details employee benefits and rates. Employees can elect benefits, make changes or view plan specifics. Once open enrollment is complete, a report is pulled capturing employee elections. You will be able to transfer these elections to carrier spreadsheets for system download or make changes using online carrier administrative sites (as there is no direct carrier connectivity). You also have the ability to print individual election sheets for your records. Our portal is free and you have the power to control what is shown on the site. You are able to post newsletters, wellness articles, employee notices, job postings and more. Another great feature is that employees have access to this site 24 hours a day, 7 days a week. This way, they can look up benefit questions at any time, have quick links to carrier websites, look up carrier contact numbers, review company information, and more. The third model requires us to coordinate with your Worksite vendor to do one on one meetings with your employees. Worksite benefits include voluntary products such as cancer and hospital indemnity plans that may be offered to your employees. The Worksite vendor will come to your location, meet with each employee individually, collect employee information, compile the elections into one spreadsheet, and provide copies of signed employee elections (or Section 125 election forms). If you do not currently have a Worksite vendor, we developed strong relationships with core carriers such as Allstate, Colonial, Aflac, and Humana to make sure employees are offered the very best voluntary benefits that meet their needs at the most affordable pricing available. We confirm these benefits are in compliance with and work best with your core plan offering. The fourth model is requires the use of paper forms. We create Section 125 election forms that are distributed to employees for benefit selections. These forms provide sections for confirmation of demographic information, benefits, rates, beneficiary information, and authorization of pre -taxed benefits. Once collected, you assemble the information into carrier spreadsheets and we assist with getting the documents to the carriers. Although we have several options, we will work with you to customize any model to fit the needs of the City of Atlantic Beach and your employees. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 23 Scope of Services Please outline your recommended platform of strategies and work plan to assist us in meeting our overall objectives. Our process revolves around the development of a Client Objective Support Plan (COSP), which documents your objectives and outlines the supporting strategies and services required to accomplish each of them. Each strategy is assigned to a specific member of the Harden team who has responsibility for the execution of that item within a defined timeframe. The communication between the employee benefits team and commercial insurance /risk management team provides substantial synergies for our clients, such as when operational changes occur, a key employee is out, or during strategy setting sessions. There are also often interdependencies between employee benefit programs and workers compensation & employment practices liability programs on the commercial insurance side. Within your specific plan, we will employ a multitude of services we call our platform of strategies. Our platform is both a comprehensive and evolving inventory of the services that we offer to support our clients' objectives. We continue to stay informed and ahead of the marketplace with expansion of emerging demand or concepts through an internal formal vetting process. During our process of defining your specific platform of strategies, we tailor these services to your specific needs with an emphasis on responsiveness and proactive planning. We also hold regular meetings with carriers in advance of our meetings with you to assure completeness and accuracy of reports, as well as management of service expectations, outstanding issues, etc. We set performance expectations and monitor accountability on a continuous basis. Below are draft platforms of strategies for each division outlining the services we think would benefit the City of Atlantic Beach. See Exhibit III: Employee Benefits Platform of Strategies See Exhibit IV: Property / Casualty Platform of Strategies HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 24 Account Management How do your account management support and services assist us on day to day issue resolution and overall activity management? Customer service and support for the numerous daily program management issues you and your employees face is critical. We provide daily assistance with billing issues; claims resolution; plan interpretation; compliance advice; provider network review / requests; insurance company intermediation on behalf of clients; legislative, regulatory and marketplace updates; and a host of other customer related needs. Our teams recognize the urgency to return calls and personally bring actions to a successful resolution. We maintain detailed meeting notes and assign tasks with specific due dates to members of our team. Harden is an advocate of our clients and works diligently to assist our clients in achieving an acceptable resolution with a sense of urgency. When employees are unable to resolve claim issues through normal channels, we assist clients with timely claim resolution. Many of our Client Support service team members have extensive experience working on the carrier side in customer service and claims resolution and provide inside knowledge regarding processes and key contacts. Our objective is a mutually satisfactory resolution for the employee, employer, and service provider. Our agency management system, Applied Management, allows us to monitor and track progress on all issues by creating activities (or tasks). Client objectives, unique strategies, inquiries and issues are all assigned an activity. An electronic record of the activity is generated to document progress on the issue and the activity remains open until the task has been resolved. All client, employee, carrier and Harden correspondences are logged and attached to the activity. Applied Management is opened daily so our Support Teams can organize and prioritize issues and /or inquiries. This assures that the City of Atlantic Beach's needs are met within a timely fashion and allows us to provide historical information when requested. .1 I I2 I1- ®at]: P. wn Ed Gies Ia.., Ira. 1 ..a. [n..a .1I I _ mmm m0Sw �„= x Y III I�I�JIPI�JI Ifl1J�r_I�I mn.m TM �.• 01/17,2 030S. 04/02,12 SC 5505 cvennmer 01/17/12 0104 PM tom/. soc 0../1250C 01/15/12 OM. 11/10/12 SSCO 01,17/13 OMR. 00,11/12 Dalol , 1. .,;m .. D. .5•15. 01/17/12 0301 OSI15432 65■ =13 rIrOZI r7 01/17/12 0255•51 10./12 MY Delti 0521/1251.000C/559.. [rrJ p.ni.Mri I M R.r• >DIDRYD1.a.0 1E5. C16265. 01 /17/12 0252561 015/0.2 SC 14517 0/05,11/5115, I P.. Grow 6 - wu Mn um. f P505.5.. vi n' i ;[et:: an x ..�.. I .... I I — Imo — nn,n. owa w eu m,ow w m Dm [wu aa.0 ovum x uv „w.ow...M.: .� +.a. en3 ,J Fwor Wo F3 ra�,Y. Imw.m�r J r— e•.,,. r.�.. a Iosmao: J ..w ,. ...< .... n.. .. e, ..z . -> ..� xe ten l I � I .a 05,}V, an.n, I2.1Z, moo~ I — HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 25 Communication What types of methodologies do you use to communicate with us? Harden will organize regular face to face risk management meetings with appropriate members of City of Atlantic Beach's financial, legal, human resource and risk management staff. These meetings will have specific agendas, and provide a means for the individuals with the responsibility within City of Atlantic Beach to have immediate access to Harden's resources. While one of our strengths is the accessibility of our full local team of resources, we also have full capabilities to conduct online meetings, trainings, webinars, and video conferences. Harden provides its clients web -based access to its insurance program data through a client web portal. This technology provides City of Atlantic Beach with real time access to all insurance policies, a summary of coverage, program design charts, schedule of premium payments, endorsement logs, claims reporting instructions and forms, and operational procedures for reporting coverage changes, exposure modifications, acquisitions, and divestitures. Harden maintains an open status list of all required policy changes, endorsements, and other needed action. This list is integrated electronically into our client database so that all client support team members are scheduling client activities and meeting deadlines. This information is also electronically stored on Harden's "Knowledge Tree" and includes meeting minutes and an open items list that assigns responsibility and deadlines for the completion of specific tasks. This ensures that communication protocols are established and client expectations are met. Harden utilizes a variety of technology resources to assist our clients in delivering the message of enhancing corporate vision, employee education, and behavioral modifications. We create created detailed internal communication protocols for dissemination of pertinent information and updates to our client base. Associates within the Employee Benefits Division are each assigned specific responsibilities for topics and carriers, and as such monitor developments and communications related to these assignments. Relevant communication is then identified and pushed out to the client support teams which are forwarded to applicable clients. If a topic is deemed significant to most or all clients, an email blast is crafted and forwarded for timely receipt. See Exhibit V: Sample Email Blast Client- specific communications are also crafted to assist in interpreting the applicability of benefits industry developments to the client's business. Included is a sample Health Care Reform communication which was recently customized and provided to many of our clients. See Exhibit VI: Sample Health Care Reform Communication HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 26 Open Enrollment Communication Once final decisions are made on plan designs and service providers, our staff customizes an open enrollment communication piece for your employees that identifies the rates, plans and value added services your program offers. This can be done in many different types of mediums including a PowerPoint, a brochure, a flyer, a handbook, etc. In conducting open enrollment meetings, Harden facilitates the education process through the use of these documents and by ensuring carrier participation at open enrollment meetings. Your Harden team will be on site to coordinate enrollment and management meetings, sessions, or any other forum that you would like to conduct. We are available for whatever timeframes best suit your workforce and schedules. The objective is to allow employees to obtain a full understanding of the plans while increasing the perceived value of the plans provided by the employer. We discuss the best format for you to effectively communicate with your employees. See Exhibit VII: Sample Open Enrollment Employee Communication Piece Ongoing Employee Communication In addition to open enrollment, communication pieces can be tailored for use with recruitment of new employees. This could include posting the information on your intranet or an external portal as well as incorporating the document into your on- boarding program for new hires. It is important that a consistent message is delivered to all of your employees throughout the year. The creation of total compensation statements is another communication tool that confirms the value of the benefits to your employees. Since health and welfare costs have become a large line item on employers' budgets, reiterating the value of the plans as a part of total compensation is important. For some clients, consumer driven health plans (CDHP) have been an ongoing educational topic. Harden creates many educational curriculums, including CDHP, and holds focused lunch and learn meetings and webinars to facilitate employee training. There are other topics that may need additional employee education. These educational items may include an emphasis on wellness and /or strategic initiatives to steer individuals to: more cost effective benefit choices, carrier value -added programs, behavioral modifications resulting from claims analytics, and wellness outcomes. In addition, our team coordinates various vendors to attend a health fair designed for your employees. We begin an early planning process to identify potential vendors that will enhance the overall employee experience. This precise planning allows the fair to be viewed as an "employee appreciation" event while allowing the company to gather important data for proactive wellness planning. We develop creative solutions that enhance and sustain employee attendance. This includes utilization of the online technology referenced within the "Technical Knowledge" question. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 27 How do you keep us informed and current relative to product offerings, trends, cost control measures and other emerging issues? To keep you informed, we employ the communication methodologies identified in the last question. In addition, the strong relationships we have established with carriers, ensures we are among the first to be notified of breaking news and developments. Information is shared through immediate electronic dissemination to our clients as well as during our periodic service and management meetings conducted on an established basis. As the legal and regulatory landscape continues to grow in complexity, we realize it is our responsibility to ensure that you are constantly informed and aware of all of new laws and regulations which impact your insurance programs. Harden uses leading edge technology to provide clients with the latest data analysis, as well as legislative and Human Resources tools. We utilize internal resources as well as access to third party information sources. These include carrier partnerships at an executive level, legal resources, participation in the National Council of Insurance Agents and Brokers (CIAB), as well as local and national legislative resources. These relationships keep us current on pending legislation at the state and national levels. This translates to keeping our clients informed of issues that may affect their business on a proactive, rather than reactive basis. This provides our clients with the knowledge to make informed decisions and to be prepared. • Harden provides our clients with the following legal and regulatory support throughout the year: • State and National legislative notices are provided electronically, informing you of the most current regulatory issues and changes • During our periodic scheduled client service meetings, we inform you of regulatory and legislative changes recently enacted and discuss their potential impact to your programs A HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 28 Performance How do you assure stewardship of our business relationship, expectations and outcomes? Expectations are established and documented in our Client Objective Support Plan (COSP), uniquely developed for each customer. The COSP holds the entire Harden team accountable for the achievement of City of Atlantic Beach's program objectives. Internally, Harden performs quality assurance audits for various clients and divisions on a regular basis. Team members actively participate in these audits and their compensation is tied to achievement of performance standards. This ensures that the work product is of a high quality. We are constantly measuring the achievement of deadlines through monthly team meetings and quarterly risk management meetings with our clients. Our people, processes, and stewardship will create the most predictable results, focused on supporting your unique objectives. We work diligently to affirm that our clients are confident and are prepared to meet both expected and unexpected challenges. We build a quality, meaningful relationship, which provides for a high level of trust and credibility. How do you establish your cost structure based upon your overall value you bring to us? Our methodology for determining compensation is commensurate with the services and resource expectations mutually established by our clients and Harden. We dedicate significant resources to execute the Client Objective Support Plan (COSP) that will serve as our guideline for service expectations. Harden can be compensated for these services in a variety of ways, including fee, commission, or a combination. Regardless of the method of compensation, we believe in full transparency. Each year Harden and clients mutually determine appropriate compensation prospectively, relative to stewardship performed by Harden, and consensus on defined Scope of Services. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 29 What rate of commission do you earn? Without knowing which carriers we would utilize for your program, we have included our typical commission / fee for all lines of coverage. If we were to structure the compensation on a fee basis, the fee would be based on the services mutually agreed to. Coverage Commission Average Medical 3 -4% Dental 3 -10% Life 10 -15% Disability 10 -15% Vision 10% Worksite Graded Scale Workers' Compensation 7 -10% Commercial Package Policy 10% Environmental Liability 7 -10% Statutory Death Benefits 15% How will we be able to measure your firm's performance and accountability? A critical element of our Insight business model is the Measurement component, which includes a focus on performance accountability. Incorporated into this process is the development and presentation of a Stewardship Report designed to measure and assess the achievement of client objectives, as well as the performance of service providers. Stewardship Reports are presented on an approximate cycle of every 12 -24 months; depending on client need, activity and objective timelines. This assessment of objectives and achievements provides a collaborative opportunity to identify any customer service concerns that may not have surfaced through other channels. Additionally, client support team members have annual individual goals that include components tied to achievement of specified client workflow timelines. The associates' success at meeting these goals is evaluated each year as part of their Performance Appraisal process and any issues with achieving designated targets are addressed with a recommended plan for improvement. Each year, these goals are re- evaluated to assess and determine the most critical measureable components for inclusion. HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 30 Please provide references to validate achievement of performance similar to the items identified in this RFP. City of Fernandina Beach Jacksonville Transportation Authority (JTA) Robin Marley, Human Resources Coordinator 204 Ash Street Tracy May, Human Resources Director Fernandina Beach, FL 32035 100 North Myrtle Avenue (904) 277 -7320, extension 2 Jacksonville, FL 32203 rmarley (904) 630 -3127 Services: Commercial Insurance and Employee tmav tafla.com Benefits Insurance Services: Employee Benefits Insurance The Blood Alliance Susan Weeks, Director of Administration 7595 Centurion Parkway Jacksonville, FL 32256 Services: Commercial Insurance and Employee Benefits Insurance City of Fernandina Beach Nassau County Board of County Tammi Bach, City Attorney Commissioners 204 Ash Street Chili Pope, Human Resources Director Fernandina Beach, FL 32034 96135 Nassau Place, Suite 7 (904) 491 -2044 Yulee, FL 32097 tbach(a�fbfl.orq (904) 491-7332 cpope nassaucountyfl.com Services: Commercial Insurance and Employee Benefits Insurance Services: Risk Management Services and Commercial Insurance Agent Jacksonville Housing Authority Ronnie Ferguson 1300 Broad Street Jacksonville, FL 32202 (904) 630 -3869 rferguson@jaxha.org Services: Consultant HARDEN Response to Request for Proposal for: City of Atlantic Beach Page 31 Additional Information Requested Please attach a company overview of your organization. Include evidence of company financial strength and Errors and Omissions Coverage. An overview of our firm and a copy of our E &O certificate are attached. We specifically noted that our firm carries a $50K per claim deductible. We are confident that if you request a financial statement, you will be very comfortable with our capacity to manage this deductible. Harden is a 59 year old privately held firm. As a matter of course, we don't release our financials publicly. We measure ourselves in a national best practices study of the top US privately held insurance brokerage firms and are confident you will find us to be very sound financially. We are happy to arrange a meeting for your financial expert to meet with our CFO to review financials in our office or at the City of Atlantic Beach's office and will answer any questions. If we must disclose our financials as a part of a public record, we will consider such request as a condition to doing business. See Exhibit VIII: Errors and Omissions Coverage HARDEN Brooks Faison Senior Vice President Employee Benefits Division Account Director Brooks Faison is Senior Vice President and an Employee Benefits Division Account Director for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In this role, Mr. Faison is responsible for establishing and directing creative benefits alternatives for the continuing challenges faced by employers today and in the future. As a Registered Representative Series 6, Mr. Faison has vast experience in designing and implementing employer sponsored 401(k) plans and non - qualified deferred compensation plans. Additionally he focuses on thorough analysis of health and dental markets as well as voluntary employee plans. i� 1A A member of the Harden team since 2000, Mr. Faison brought his experience as Senior Vice President and CMO for Data Financial, Inc., which merged with Harden in 2000. Mr. Faison received his Bachelor of Business Administration degree from the University of North Florida in 1981. He holds a life, health, and variable annuity license through the Florida Department of Insurance, NASD Series 6 license. As an active member of the Jacksonville community, Mr. Faison is on the Board of Directors at the North Florida School, a deacon of Ponte Vedra Presbyterian Church and a member of the Meninak Club. HARDEN KeIIy M. Craddock CEBS Vice President Employee Benefits Division Account Executive Kelly Craddock is Vice President and an Employee Benefits Division Account Executive for Harden, one of the Southeast's leading insurance, risk management, and employee benefits firms. In her role, Ms. Craddock is responsible for defining and assuring execution of client support plans; communicating proactively with clients; and providing access to underwriting facilities. Ms. Craddock joined Harden in February of 1997, bringing 26 years of joined Y � 9 9 Y experience managing large, complex client accounts in the local, statewide, and national employee benefits arena. Prior to joining Harden, she provided account management services for Anthem Health, Inc., a national insurance company providing life and health insurance products. Additionally, her work at Anthem Health included preparation of Medicaid and Medicare product applications, management of Community Health Purchasing Alliance plans and provider recruitment and network maintenance for the PPO and HMO products. Ms. Craddock also worked as an Account Executive for PARTNERS /Aetna Health Plan in Arizona. Her responsibilities there included responsibility for new sales and account management for multiple clients across the southeastern part of the state. A graduate of the University of Virginia, Ms. Craddock holds the Certified Employee Benefit Specialist (CEBS) designation, as well as has achieved the status of Fellow in the International Society of Certified Employee Benefits Specialists. She also holds a life, health and variable annuity license through the Florida Department of Insurance. An involved member of the community, Ms. Craddock currently serves as Chair of the Personnel Committee for Community Presbyterian Church and as a participant in the I Care Interfaith Coalition in Atlantic Beach. She also is a former Officer on the Board of Directors for Girls, Inc., as well as formerly served on the Board of Directors for Planned Parenthood of Northeast Florida. She has previously served on the Board of the Jacksonville Chapter for the International Society of Certified Employee Benefits Specialists, including one year as President. She has been a mentor for at -risk youth at North Shore Elementary School and was part of Volunteer Jacksonville's Blueprint for Leadership Class of 2000. HARDEN Donna G. Guess, FLMI HIA MHP RHU GBA Employee Benefits Division Senior Account Manager Donna Guess is an Employee Benefits Division Senior Account Manager for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In her role, Ms. Guess is responsible for executing client support plans; providing daily program management; and providing a 4 t; responsive communication to clients. Se Ms. Guess has 30 years of experience in the insurance /employee benefits field, and she has been with Harden since 2001. Prior to her current position, she worked with American Heritage Life Insurance Company in Jacksonville, Florida where her responsibilities included positions as Group Sales Coordinator and Assistant Manager of Group Marketing Development. Prior to American Heritage Life, she was with Home Life of New York in the Florida Group Office, where she began her insurance career in 1982. A graduate of Valdosta State University, Ms. Guess earned a Bachelor of Business Administration degree in Business Education. She has attained her Fellow in the Life Management Institute (FLMI), Managed Healthcare Professional (MHP), Health Insurance Associate (HIA) Registered Health Underwriter (RHU) and Group Benefits Analysis (GBA) designations, and has obtained her Life, Health and Variable Annuity license with the Florida Department of Insurance. Currently, Ms. Guess is working on her Certified Employee Benefits (CEBS) designation. An active member of the community, Ms. Guess has volunteered many years at Ridgeview High School sporting events, as well as volunteered at the Jacksonville Zoo Spooktacular event. She currently teaches CCD classes at St. Catherine's Catholic School in Orange Park and volunteers at the First Coast Kids Triathlon in Jacksonville. A HARDEN Alice Wilkins, HIA, DIA /DHP, MHP Employee Benefits Division Account Assistant Alice Wilkins is an Employee Benefits Division Account Assistant for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In her role, Ms. Wilkins is responsible for offering support in .'.: executing the client support plan; providing daily program management; maintaining accurate and complete client data and providing responsive communication to clients. A member of the Harden team since 2000, Ms. Wilkins previously worked for Data Financial, Inc. as an Administrative Assistant /Receptionist. Additionally, she has worked as the back -up Head Teller for First Virginia Bank and spent seven years as a Deputy District Clerk of the Bee County Courthouse. Ms. Wilkins attended Bee County College in Beeville, Texas where she earned her Office Assistant certificate. She has her Life, Health and Variable Annuity (2 -15) license through the State of Florida's Department of Insurance and has earned her Health Insurance Associate (HIA), Disability Income Associate /Disability Healthcare Professional (DIA /DHP), and Managed Healthcare Professional (MHP) designations through America's Health Insurance Plans. Ms. Wilkins has participated in March of Dimes Walk America, American Diabetes Association's "Walk on the Wild Side" with The Harden DiaBeaters ", Step Out to Fight Diabetes, First Coast Kids Triathlon and March for Babies Walk. HARDEN Justin Terry, AAI ARM Executive Vice President Commercial Insurance Division Account Director Justin Terry is a Commercial Insurance Division Account Director for Harden, one of the Southeast's leading insurance, risk management, and employee benefits firms. In his role, Mr. Terry is responsible for originating and retaining l ik: ', Ilk. client relationships; defining and articulating client objectives; and leading efforts to provide the best solutions for clients. He designs and implements insurance and risk management programs for institutions and commercial enterprises. In addition to his Account Director responsibilities, Mr. Terry provides executive leadership on the firm's Strategic Planning Committee, as business development team leader, and leads Harden's recruiting strategy and team. Mr. Terry received a Bachelor of Business Administration degree in Risk Management and Insurance from the University of Georgia. He interned with Home Depot's Corporate Risk Finance office and was selected as one of 12 students globally for a prestigious Risk and Insurance Management Society (RIMS) scholarship and training. In addition to various licensures, Mr. Terry has continued his education at Harden by completing professional designations including Accredited Advisor of Insurance (AAI), Associate in Marine Insurance Management (AMIM), Associate in Risk Management (ARM), and the Chubb Emerging Leaders program. In addition, he will soon complete the Chartered Property Casualty Underwriter (CPCU) Program and is in the Recognized Insurance Leader Executive Education Program at The Wharton School. Purposeful and committed to the community, Mr. Terry currently serves on the YMCA of Florida's First Coast Duval Regional Board, is President Elect of Leadership Jacksonville, and a member of the Rotary Club of Jacksonville. He's volunteered in or held leadership positions in other programs including the Cystic Fibrosis Foundation, Blueprint for Leadership through Volunteer Jacksonville, the Northeast Florida Regional Leadership Academy class of 2008, and Rotaract Club of Florida's First Coast. Mr. Terry was selected as one of the Jacksonville Business Journal's Up and Comers (40 under 40) in 2006. A HARDEN Shaun Woleshin, ARM -P, AAI, CRIS Vice President Commercial Insurance Division Account Director Shaun Woleshin is Vice President and Commercial Insurance Division Account Director for Harden, one of the Southeast's leading insurance, risk management, and employee benefits firms. In his role, Mr. Woleshin is responsible for originating and retaining client relationships, defining and articulating client objectives and leading efforts to provide the best solutions for clients. Mr. Woleshin joined John T. Ferreira Insurance in 2000 after earning his Bachelor of Science degree in Finance from the University of Florida. He holds the General Lines Property, Casualty, Surety and Miscellaneous Lines (2 -20) license, Associate in Risk Management for Public Entities (ARM -P), Accredited Advisor in Insurance (AAI), and Construction Risk Insurance Specialist (CRIS) professional designations. Insurance professionals holding these designations are able to offer clients advanced technical knowledge of insurance products and services and benefit from cost savings from increased comprehension of risk management and risk financing techniques. An involved member of the community, Mr. Woleshin is currently on the Nassau County YMCA Board of Directors and is Chairman of the Strong Kids CRT campaign. He is a member of the Fernandina Beach Rotary Club, a graduate of Leadership Nassau, and was on the task force that developed the pilot Northeast Florida Regional Leadership Academy. He recently served 3 years on the City of Fernandina Planning Advisory Board. HARDEN Elisa A. Simpson, CIC AAI AIS CPIW Vice President Commercial Insurance Division Account Executive Elisa Simpson is Vice President and a Commercial Insurance Division Account Executive for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In her role, Ms. Simpson is responsible for defining and assuring execution of client support plans; communicating proactively with clients; and providing access to underwriting 7 == facilities. Ms. Simpson has over 35 years of experience in the insurance industry. Her extensive career experience and related training have allowed her to develop a wide range of knowledge to apply in the handling of diversified clientele and culminated in her being named a Corporate Officer in August of 2004. Ms. Simpson holds the Florida General Lines Property & Casualty Insurance (2 -20) license and the Florida Life and Variable Annuity License (2 -14). She has obtained her Certified Insurance Counselor (CIC), Accredited Advisor in Insurance (AAI), Associate in Insurance Services (AIS), Certified Professional Insurance Woman (CPIW) designations and is currently enrolled, and has completed part one, of the Certified Risk Manager designation program. She continues to remain involved in various risk management courses offered through Risk and Insurance Management Society, Inc., and is currently working to complete her Associate of Arts degree in Business Administration at Florida Community College at Jacksonville. An involved member of the community, Ms. Simpson previously served 6 years on the Board of Directors and is an active supporter of Micah's Place, an organization dedicated to education and support of domestic violence victims. She is also involved with and participates in mentoring activities for Take Stock in Children and organ donation awareness for The Katie Ride for Life. HARDEN Amanda Barnes, CPCU Commercial Insurance Division Senior Account Manager Amanda Barnes is a Commercial Insurance Division Senior Account Manager for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In her role, Mrs. Barnes is responsible for assuring tactical execution of the Clint Objective Support Plan (COSP), providing daily program management and documentation, maintaining accurate and complete client data and providing responsive communication to the client and underwriting facilities. Mrs. Barnes joined our firm in 2008 as an Account Assistant responsible for assisting her team with new and existing client data maintenance while being actively involved with all aspects of the brokerage process. Prior to joining us, Ms. Barnes gained four years of experience in Property Underwriting. Ms. Barnes is a graduate of Rutgers University where she earned a bachelor's degree in communications. She holds her Florida General Lines Property and Casualty (2 -20) license and has also earned her Chartered Professional Underwriter (CPCU) designation. Ms. Barnes is the team leader for Harden's annual team to support the Katie Ride (and Walk) for Life. 1' HARDEN Jessica Goff Commercial Insurance Division Account Assistant Jessica Goff is a Commercial Insurance Division Account Assistant for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In her role, Mrs. Goff is responsible for offering support in executing the client support plan; providing daily program management; maintaining accurate and complete client data; and providing responsive communication to clients. Prior to joining Harden, Mrs. Goff worked as an Industrial Engineer at United Parcel Service for seven years. Her responsibilities included planning an air network of two airports and twenty -two UPS facilities. Mrs. Goff graduated Cum Laude from the University of Illinois at Springfield with a major in English. She currently holds her Registered Customer Service Representative (4 -40) license from the Florida Department of Insurance. HARDEN Jennifer Woods, ARM Commercial Insurance Division Director of Risk Management Jennifer Woods is Director of Risk Management for Harden, one of the Southeast's leading insurance, risk management and employee benefits firms. In her role, Woods is responsible for developing and implementing strategies and processes that broaden Harden's platform of services to decrease our clients' cost of risk and improve their enterprise value. Ms. Woods oversees the risk management, claims and litigation management support, and loss control services at Harden and she provides direction for risk management consulting services such as enterprise risk management and risk management information systems. Woods brings over 15 years of experience in the insurance industry. She was previously a Vice President and Producer for Aon Risk Services. There, she provided strategic direction to companies in reducing their total cost of risk through insurance placement, enhanced coverage terms and other services such as claims management, loss control programs and risk financing. Prior to Aon, Woods worked in the corporate environment of risk management for 12 years at G4s/Wackenhut, holding various management titles, including department leader as the Sr. Director of Risk and Claims Management. Her experience included all aspects of risk management, including oversight of the national claims program, insurance renewal, safety program development, and corporate strategy initiatives. Her prior work experience also includes working for plaintiff and defense law firms handling general and auto liability claims. A graduate of Florida State University, Woods earned a Bachelor of Science degree in Communication, Summa Cum Laude. She continued her education and earned a Master of Business Administration from Palm Beach Atlantic University. Ms. Woods holds her Associate in Risk Management (ARM) designation from the Insurance Institute of America and a Florida General Lines (2 -20) insurance license. HARDEN Coleen Beach, AIC, ARM Commercial Insurance Division Claims Advocate Coleen Beach is a Claims Account Manager, Commercial Insurance Division for Harden, one of the Southeast's leading insurance, risk management, and employee benefits firms. In her role, Ms. Beach is responsible for managing the claims adjudication process as a client advocate to reduce the client's cost of risk. Ms. Beach brings over 20 years of experience to Harden & Associates. Prior to joining the firm, Ms. Beach worked as a Corporate Claims Manager for Interstate Brands in their Tennessee and Florida offices. A graduate of Florida International University in 1985, Ms. Beach earned her Bachelors of Science degree in Finance. Ms. Beach holds a multi -lines adjusting license. She has completed the Associate in Claims (AIC) and the Associate in Risk Management (ARM) designation. Active in the community, Ms. Beach currently volunteers at Fernandina Beach Middle and High School. HARDEN are Sample Legislative Updates HARDEN eeRrimee hbi ltaagenod E'rpo/.o 5ooeIc Fromm Services Legislative Update TAM U wkly err as a tomboy le Imp you Manned on Ins status or the Health Care Inglegtes A pmos a ar P 0 lmeMt TIMELINE OF IMPLEMENTATION The two items rates below were - N o,, e nl b e r 4 2010 Harden Small rmioew Heal* lesereece Tw Cr** (for T 71s S.. 5ureter stealth Imaaro Ts CueM ... • Nees* , 6 255 M lo .1 eneb.wi hwM rwure " - r e samara W lo . 25 pmts! vedl ., Earle RsWees Re.wrrrr•cs Program (e11rWe June _ ,� -- ••-` —'�- ..1# TM Erg Retirees Renawao es Program pari. _ _ - _ _ .....,,,' contemner morale =wefts b ert.lofee. who ... m t Rbr Mai spouses ant deoenee. lahonrn en the • • • oand0.e * a0 model* at sA.w (a1P.gor. r. The following initiatives ge ante effect for en er after September 23. 2010 regardless - • Extolling dependent eligibility la a2e211(Fl Employer Required •esvrnfal.;. foreman; wow par. to MI does Pat Protection *lugs ad own puce rrnptrprae Affordable Care A • Erulanon et pee]I.iymraerl MRa110n6 ::1 • mating mature oy 20141 Model Notice! • E0Ma6tn rf Pegme Ones cc *sere* banwab • PoraGDn atomise ibex Mtn weer that 515:,0 plane and s Nem pair the Patent Rr.nl05 end Abdmte Cite Act rem Imow11 as to AMMO N tre lee M segue* A group that does not maintain grandfatha hangar rsrJeeM/rlyeae toMaelsarttr eeprmbr 20.2014. after September 21. 2010 will be subject to The polo boa male MI I t.owv Mew the that be dcboad loan a your ..gramme PrOt10! *Mar pf!'rt^lare rase ard.lTeRYZibOA< rand OONS1 m war _ N so), re required Dy tee A010100e Care Act. 1101 asafah Omlel.moe) .her worded by a network p'lwtar IrhQlePCr baglerle mot alpay alenhad and edited Dated on your enema plans b sate AM* oyster create d paltcb01,; pings awe cr to amidst.* enema After direct Ye..s ro referral a C9,'.svh s ir:000 :.oJeramrgar • rae''Arrr«,Ipra- „Ins:, November 18. 2010 Plbelle e,rma a +a extema appeal promisee ?Or to Enroll Node• Harden BMW* l.a- birch n tarrmtegley ... .. Extent. s aapwr.nt 0aemtp • Lle'time Lee. Ns team Applies I_MNSI a.upt tend Not1.e - - Lee Reba !tram Ian the re - ....... _ PrYlmy an Prrrwren n miMrlwso p provISOI AIMIng MUM Rn0nlnh _.....,. •-- ' _ Grandfathered Status Not al g Affected By Change In r M mMug you'et to ataill � asd .- • brews lt. a grrhe.lwed Math pun Carrier n rebel on Sloth 33, 2010, 0anplw .._. w.. nors net male any pun change but l:undralnereo Pl.n *oriel lb Effect,. Monday, November 15. 2010. the Department of Health awl Human Nosovc.. OHS) issued en exce dlnent to the regutat00 on "6rmdbllr. haslet plum opining the permieaibls modikcatons that may be med. lo grerhdlrherd FYI ° henge o it f intuits retching tun one insurance oonpeny to group Pharr b include e other The amendment allows all group health plan. to mach iruenence companies and shop lor the Nn. 07mega eta km( coat WMe m.hmning then greregat red alas, so long as the eblctule of the mresge down' violate one d the other rules for mWmoinig glrhAetland plan eel., This hange we mde al the tarring of the U S. Chunber of Commente and other aganuatons and re sos a deers n allow employes the Mite to shop for Iwo e.penalw coverage, thus potentaly Mang 6rrn health cans coots. The new .oRrpbon applies to any clung° of insurer becoming electir. on or after that der leg • d you executed an manner contract aleh • new insurer on October 2010, *oh an afhctiw dale of January ��1�,�2011, 0 would be exempt). Ho..ver, any change of insurers the look 011.00 prior ea November 15, 201o, will not he exempt. Th. amend rr affects insured group h.olh plena A change of insurer. in the irhdividuel Nad[le could aid resat in the lees of grendathred status. Its always, w will keep you pond of Wgrefcam development. w they occur. 0 you awne any 1140000. paw 0001001 4001 HARDEN li !bye. 0.0X0, AcrocM Menage. run a: .rwWrat Mg.am an•erre• vas New re •super a. wFierOe Co. Fa• Rs 01 ayeww rs r formar err. wr.n NOV.s _ 0 _g:r• "= ,....y.pu.,, _-.. ° a warm tM■ row, tae leas_ MMAMM. MIts 0410 00.1 Pap HARDEN g � i Employee Benefits Platform of Strategies for: Page 1 City of Atlantic Beach City of Atlantic Beach SAMPLE Benefits Plan Strategies Strategy 1 Program Audits a Perform Program Audit of employee benefits communication protocols, coverage terms and limits, contracts, policies, claims experience, and billings b Present Audit findings with observations and recommendations to develop actionable plan Desi• n 2 Deployment of Renewal and Marketing Execution Process a Create and distribute marketing - renewal timeline b Define and document objectives of marketing effort c Develop and issue Request for Proposal for: (lines of coverage to be marketed) d Design proposed program options e Request identification of carrier wellness resources / wellness financial contribution f Identify voluntary worksite products that best supplement core benefit plans g Identify worksite product vendor 1:1 enrollment capabilities 3 Analysis and Evaluation of Plan Options a Perform and present comparative analysis of marketing and renewal results b Compare and analyze plan design alternatives c Compare and analyze impact to premium and contributions at various alternative benefit levels d Compare and analyze impact of employer HSA /HRA funding e Compare and analyze service providers platform of value added services f Compare and analyze benefit design considerations to direct employee migration g Compare and analyze current benefits package components to identify cost mitigation opportunities h Evaluate employer / employee contribution alternatives i Evaluate the implementation of a consumer driven health plan Evaluate carrier online benefit technology applications to enhance administrative efficiencies k Request and present disruption analysis with a GEO access or similar data to compare current network access to alternative carrier networks I Leverage competitive data to assist in renewal rate negotiations m Evaluate feasibility and economics of carrier consolidation for (lines of coverage) n Evaluate current voluntary product portfolio for appropriate product mix and recommend alternative mix, if applicable 4 Executing Final Decisions and Selections a Identify and prioritize key terms and conditions b Negotiate optimal program design c Finalize program terms and conditions d Establish implementation timeline e Verify accuracy of program documents and facilitate execution to client and service provider HARDEN 1 l Employee Benefits Platform of Strategies for: Page 2 City of Atlantic Beach City of Atlantic Beach SAMPLE Benefits Plan Strategies Strategy 5 Facilitate Program Implementation a Facilitate implementation of (selected vendor(s) / plans) b Establish communication protocols for enrollment c Develop and deliver employee open enrollment communication materials d Create / update employee benefit booklet e Coordinate distribution of carrier materials f Facilitate open enrollment onsite group meetings g Review and assure completeness and accuracy of enrollment documents h Establish protocols for new hire enrollments i Develop a total compensation statement / hidden paycheck Facilitate COBRA administration for plan rate changes and enrollment protocols k Facilitate annual Section 125 non - discrimination testing Provide Summary of Coverage reference document 6 Client Education a Monitor and report employee benefits legislative and marketplace environment, changes and trends b Monitor and report Human Resource legislative and workplace environment, changes and trends c Distribute updates on carrier value added services d Conduct periodic educational seminars on (specific topic / benefit) e Schedule online /onsite demonstration of online enrollment system(s) f Coordinate and monitor transition of benefits administration to online enrollment vendor g Enhance utilization by client employees of carrier web based technology h Develop ongoing employee education schedule and protocols 7 Daily Account Management a Develop joint service timeline with (carrier) b Assemble data for 5500 and SAR's c Serve as liaison with service providers d Conduct periodic program management meetings e Provide day to day service assistance for claims resolution, billing and eligibility as client advocate f Request and monitor delivery of scheduled claim reports 8 Claims and analytic reporting to measure / monitor program performance a Design claims experience benchmarking reports that monitor program performance b Summarize and benchmark historical claims experience c Benchmark and compare (general or specific program feature / metric) to local and national benchmark resources d Analyze claims experience to identify trends and opportunities for mitigation on a (time frame) basis HARDEN Employee Benefits Platform of Strategies for: Page 3 City of Atlantic Beach City of Atlantic Beach SAMPLE Benefits Plan Strategies Strategy 9 Wellness / Health Management Services a Facilitate development of a wellness and disease management budget b Facilitate development of a wellness and disease management plan c Facilitate development of a communication strategy to promote wellness plan d Identify and leverage (medical carrier) wellness resources e Identify community wellness resources f Facilitate Harden support and resources for wellness plan development and management g Facilitate a Health Risk Appraisal questionnaire to gather information about employee health and risk factors h Coordinate onsite health fair i Evaluate outcomes of health fair and assist in development of action plan for wellness program 10 Ensure Clients are Adequately Informed and in Compliance with Healthcare Reform a Review current plans to determine impact of Health Care Reform for current plan year b Identify and communicate carrier responsibilities for implementing Health Care Reform provisions c Monitor and communicate ongoing issuance of regulations and mandated changes related to Health Care Reform d Determine impact of ongoing Health Care Reform regulations to (client)'s benefit program 11 Monitor / Report Stewardship and Facilitate Ongoing Performance a Prepare and present a Stewardship Report to assess strategies executed in support of client objectives and program achievements b Evaluate success and achievements of (overall benefits or specific benefits) program c Schedule and conduct annual planning meeting d Develop initial proposed marketing and renewal timeline e Establish and gain consensus on objectives with client f Create Client Objective Support Plan to initiate annual planning g Amend and update Scope of Services agreement HARDEN Commercial Insurance Platform of Strategies for: Page 1 City of Atlantic Beach City of Atlantic Beach Draft Risk Management Plan ■ Strategy 1 Account Management a Establish Communication Protocols Develop team chart for City of Atlantic Beach and Harden Support Team Facilitate introductory meeting with Director of HR and Harden Support Team Document reporting process for general correspondence and inquires Facilitate introductory meeting with City of Atlantic Beach Dept Heads Telephone Listing of emergency, after -hours numbers for each key team individual b Maintain account program and profile data Review Property. Inland Marine and Auto schedules quarterly to ensure accuracy c Review contracts to determine adequacy of indemnification, hold harmless, and insurance clauses d Complete premium projections for City budget purposes e Coordinate and verify premium audits f Liaison with service providers g Conduct risk management meetings Quarterly status review with Director of Human Resources h Monitor claims investigation, work product outcome and loss reserve validation Quarterly status review with Director of Human Resources i Prepare Certificates of Insurance and Evidences of Property as required j Estimate Experience Modification Factor using the ModMaster analytic tool Prepare monthly update to track impact on renewal premium projections 2 Implement Pre - Loss Strategies a Facilitate the development and implementation of a loss control program Identify departments with highest loss frequency and severity Develop annual service plan commitment from insurance carrier including quarterly site visits Evaluate existing catastrophic plan and integration with carrier claims process including FEMA assistance b Provide assistance in complying with loss control recommendations c Facilitate the development of safety committee protocols d Trend losses and identify key loss drivers e Develop Workers Compensation Claims protocols Update current 'On the Job Injuries' protocols f Develop accident investigation program Evaluate and update (as needed) existing accident investigation program utilizing carrier best practices Develop root cause investigation protocol utilizing carrier best practices g Review and update current safety manuals Review New Employee Safety Orientation HARDEN Commercial Insurance Platform of Strategies for: Page 2 City of Atlantic Beach City of Atlantic Beach Draft Risk Management Plan 111 Strategy h Review Risk Management program manual i Design claim and care management reporting procedures Develop and document communication protocols for claims reporting process 3 Implement Post - Loss strategies a Assist with accident analysis and investigation Review accidents during monthly safety committee meetings (utilizing root cause investigation protocols) b Monitor and ensure effectiveness of transitional duty program to reduce indemnity costs Review monthly benchmarking reports from carrier to evaluate reduction c Integrate the workers' compensation protocols with ADA ,FMLA and client leave of absence program Review with Director of Human Resources protocols for concurrency d Evaluate effectiveness of the claims adjudication process and service providers Facilitate meeting with City Attorney to establish litigation protocols Develop and articulate to carrier claims handling objectives and implement claims handling procedures e Perform a loss retention analysis Determine impact of loss retention on individual claim 4 Design claim analytic reports to measure / monitor program success a Design benchmarking reports that monitor program successes Monthly review of lag time, incurred costs, top 3 causes of loss b Summarize and benchmark historical loss costs Prepare quarterly report analyzing and comparing current trends to historical trends c Analyze benchmarking reports, claims experience to identify trends and mitigation opportunities Quarterly review of findings with Director of Human Resources 5 Develop and Issue Request for Proposal Document client mission, overview of operations, scope of products and services, a and unique characteristics b Analyze financial statements and document exposures to risk c Summarize claim experience d Document risk profile data on renewal business e Document existing program structure and services f Design program options g Identify appropriate markets and disseminate Request For Proposal h Facilitate responses to inquiries from markets i Coordinate and facilitate carrier site visits at client locations 6 Perform Comparative Analysis of responses to Request for Proposal HARDEN Commercial Insurance Platform of Strategies for Page 3 City of Atlantic Beach City of Atlantic Beach Draft Risk Management Plan Strategy a Compare and analyze Premium, Coverage Terms, Retention Levels and Carrier Financial Summary b Compare and analyze impact to premium at various retention levels c Compare and analyze platform of value added services for service providers Including Risk Management, Loss Control. Appraisal, and Claims Management services d Determine optimal loss retention 7 Finalize Program Terms and Conditions a Communicate initial program options Renewal Projections /Comparative Analysis presented to Director of HR and City Manager b Identify and prioritize key terms and conditions c Negotiate optimum program option d Prepare binding instructions and documentation 8 Facilitate Program Implementation a Prepare confirmation documentation b Deliver confirmation documentation to client Binders, Certificates of Insurance, Automobile ID Cards c Verify accuracy of program documents Review policies received to ensure issued in compliance with insured schedules d Provide program manual 9 Client Education a Monitor and report marketplace environment, changes and trends b Monitor and report legislative environment, changes and trends Disseminate information obtained from all major FL public entity programs (PGIT; FMIT: FACT PRM) c Attend carrier annual meetings /workshops with Director of HR d Facilitate statutory/regulatory compliance education Discuss and prioritize value added training available from carriers in quarterly risk management meetings 10 Monitor and Report Stewardship a Assess strategies executed in support of client objectives b Assess program achievements Evaluate impact of programs on claims frequency and severity c Monitor performance and capacity of service providers Identify and evaluate programs and services offered by service providers d Establish prospective program objectives and action plan e Schedule and Conduct Annual Renewal Planning Meeting f Create Client Objective Support Plan to Initiate Annual Planning HARDEN PPM AIM MAVA 'A* 'OW ,=1", ^OP Sample Email Blast WO OP From: Harden Info Sent Thursday, April 19, 2012 4:43 PM Subject: MLA Advisory - National Labor Relations Board Postpones Enforcement of Notice - Posting Rule PO Attachments: 04.20.12 NLRB Employee Rights Poster Requirement Halted.pdf Hello: Harden is working diligently to keep you up -to -date with the current news in employee benefits. We continue to be your knowledge provider, bringing you timely and relevant information. Attached please see our latest update. You can also visit our website for further information regarding important updates. http: / /hardeninsight .com /healthcarereform.html If you have any questions at all about the current update, feel free to contact your Harden Employee Benefits Account Manager. Thank you. Jacksonville: TEL 904.354.3785 I FAX 904.634.1302 tw infofthardeninsight.com 501 Riverside Avenue, Suite 1000 Jacksonville, FL 32202 www.hardeninsight.com Tampa: TEL 813.367.5604 I FAX 813.367.5610 info@hardeninsight.com 1715 N Westshore Blvd., Suite 345 Tampa, FL 33607 www.hardeninsight.com OOP PO iNO HARDEN Aft .V9P , 116 •■• ,5ter Z o l � ; ! 11.1! � a - ce I ii 1 ; a i i s e Q 5 P 0 I i ; ' 1s a C 1, cn c r t i I pai; L, i O s fail i a 0 _ 1 Z d u IP i 11 ' Pi ics .. a ,1i ;,. , bil h ot _ 3 'gill SDE 111- a °� tj l a i ii e X 11 b 4} a s i e A i s id Ph i I I ii ; ll! Iii ! 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An one .OGr innate ce quarried eapenee. lorga anatinnaionss, go av rr^ , Add Lbaa MOM Orate • e a ' ran four. a oGOr ,ea.id lard can +e ere Ware qua OWN* era Mara norm* b your warn.. m g '18.:esNlq Pronto eW OP ID: MD ACOREY CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DDIYYYY) 04/12/12 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 904 - 354 -3785 CONTACT NAME: Harden & Associates, Inc. 904 - 634 -1302 PHONE FAX 501 Riverside Ave. Suite 1000 (A/c, No, Ext): _ (A/C, No)_ Jacksonville, FL 32202 E ADDRESS: Unassigned PRODUCER HARDE -1 CUSTOMER ID #: INSURER(S) AFFORDING COVERAGE NAIC # INSURED Harden & Associates, Inc. INSURER A: Great American E &S Ins Co _ _ 37532 501 Riverside Avenue, Ste 1000 INSURER B: Jacksonville, FL 32202 INSURER C : INSURER D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS. EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS - -- LTR INSR WW1 POLICY NUMBER (MM /DD/YYYYI (MMIDD/YYYY) GENERAL LIABILITY EACH OCCURRENCE $ COMMERCIAL GENERAL LIABILITY DAMAGE TO RENTED PREMISES (Ea occurrence) $ _ CLAIMS - MADE OCCUR MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GENERAL AGGREGATE $ GE 'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP /OP AGG $ POLICY PRO - IFCT LOC $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) ANY AUTO BODILY INJURY (Per person) $ ALL OWNED AUTOS BODILY INJURY (Per accident) $ SCHEDULED AUTOS PROPERTY DAMAGE HIRED AUTOS (Per accident) NON -OWNED AUTOS $ UMBRELLA UAB OCCUR EACH OCCURRENCE _ $ EXCESS UAB CLAIMS -MADE AGGREGATE $ DEDUCTIBLE $ - RETENTION $ $ WORKERS COMPENSATION WC STATU OTH- AND EMPLOYERS' LIABILITY Y / N TORY LIMITS ER ANY PROPRIETOR /PARTNER /EXECUTIVE OFFICER /MEMBER EXCLUDED? I N / A E.L. EACH ACCIDENT $ - (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ If yes, describe under - DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ A Errors & Omissions TER 2099209 06/30/11 06/30/12 Per Claim 10,000,000 Aggregate 10,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, If more space is required) Retention: $50,000 each claim /$100,000 in the Aggregate CERTIFICATE HOLDER CANCELLATION ATLBE01 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE The City of Atlantic Beach THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 800 Seminole Rd ACCORDANCE WITH THE POLICY PROVISIONS. Atlantic Beach, FL 32233 AUTHORIZED REPRESENTATIVE M\l.ct.u. C -O- .)..wad © 1988 -2009 ACORD CORPORATION. All rights reserved. ACORD 25 (2009/09) The ACORD name and logo are registered marks of ACORD ,11.01 ,•a A HARDEN Receipt of Addenda The undersigned acknowledges receipt of addenda to the RFQ as indicated below: • Addenda NO. 1 received on 4 -16 -12 Pip , COMPANY: ACkfAtrN 4- NSoticalS, T C PRINTED: SAC n Tk if •• SIGNED: (: � (� TITLE: X(C∎j\Jt_ \i% 1�''Cj(AA •• DATE: etf-/ (? 'r1 e n Stet &tkes Curs Ma o ,, Insurance Risk Management Employee Benefits Financial Services 501 Riverside Avenue, Suite 1000 I Jacksonville, FL 32202 I TFI. 904.354.3785 I FAX 904.634.1302 I hardeninsight.com