Outside Vendors

Employee Benefits Providers & Consultants

Aquarius Capital provides customized solutions in insurance, reinsurance, and employee benefits. Services include actuarial consulting, specialty underwriting, peer reviews, financial forecasting, retail brokering, reinsurance brokering/intermediary services, strategic planning, due diligence reviews and forensic audits in the life and health insurance industry. Aquarius has been a leader in emerging markets including GASB 45 valuations, OPEB/retiree liability buyouts, portfolio acquisition, exit strategy management, health care reform and life settlements. For additional information about Aquarius, visit Web sites AquariusCapital.com and AquariusLife.com. To contact us, please call 914.933.0063 or email michael.frank@aquariuscapital.com.

Spring Consulting Group, LLC, provides a full range of strategic consulting services to employers as well as insurance and financial services companies. This includes general health and welfare benefits; multinational benefits; property & casualty programs; captive consulting and actuarial capabilities, with a special focus in the areas of alternative funding and integration (i.e. health, disability, workers' compensation, FML, time off management). Spring's credentialed actuaries are financially focused employee benefits and insurance executives with records of achievement in diverse consulting and insurance carrier roles, and significant underwriting, business development, strategy, accounting and operating experience. We provide a comprehensive suite of actuarial services, from project focused actuarial consulting to ongoing actuarial reporting and monitoring. Our diverse actuarial experience and expertise provides us with the depth necessary to tailor unique, innovative and holistic solutions for your interdisciplinary insurance, financial and risk management needs. We deliver attention to detail, fresh thinking and creative strategy to translate your vision into turnkey results.

Valuation & Financial

• Financial Projections
• Actuarial Opinions and Memoranda
• Reserve Valuations
• Stochastic Analysis
• Variance Analysis
• Appointed Actuary Services
• Claim Run-off Studies

Pricing and Product

• Rate Development and Filing
• Experience Analysis
• Trend Studies
• Underwriting and Benefit Design
• Reinsurance Analysis and Negotiation
• Renewal Analysis and Negotiation
• Welfare Funding Services

Strategic & Growth

• Strategic planning
• Program and Vendor Management
• Captive feasibility Studies
• Vendor Due Diligence
• Benchmarking
• Agreement Review and Negotiation
• Business and product Development
• Rating Agency Support
• Capital and Risk Management

Compliance

• Recommendations around evolving legislation, regulation and accounting requirements
• Operational Audits
• Independent Fiduciary work
• Medicare Part D Certification
• Small Group Reform Certifications

Please contact Steven Keshner at 617.589.0930 x 120/steven.kesher@springgroup.com or visit us on the web at www.springgroup.com.

Hooker & Holcombe Companies help employers meet the challenges of providing retirement benefits to the new millennium workforce. Our firms provide a full array of actuarial, investment, and benefits consulting for all types of employer-sponsored retirement and pension plans.

• Actuarial Services: Public Sector Plans–Pension valuations, GASB 25/27, OPEB valuations, GASB 43/45, plan design, forecasting, administration, benefit calculations, cost estimates, assistance with labor negotiations and plan transition. Private Sector Plans–Qualified pension valuations, Executive Retirement Plans, proxy calculations, FAS 87, FAS 106, plan design, pension oversight, forecasting, and asset liability modeling.
• Institutional Investment Advisory Services: Fee only advisor for Public and Private Sector Retirement Plans–Investment policy guidelines, asset allocation, fund/investment manager evaluation and monitoring, performance/fee audits, oversight services. For DC plans, we design risk-based custom asset allocation strategies incorporating funds within the plan.
• Defined Contribution Services: Full service daily valuation and compliance services using no–load funds, Schwab RT trading platform and website. Services to 401(k), ERISA, and non–ERISA 403(b), ESOP and non–qualified plans including McKay Hochman documents. Outsourcing and retiree payments on defined–benefit plans are available, as well as bundled services with RIAs. Transparent fee disclosure to clients.

WellNet Interactive, the wellness and health management division of WellNet Healthcare, offers a unique, customized, risk-based Health Management Program. This program utilizes predictive modeling technology to identify and stratify the member population by risk level. Registered Nurse Care Managers provide proactive outreach, resulting in customized member engagement that focuses on personalized and confidential assistance, support and information to plan participants and their dependents, based on the individual's unique set of medical conditions.

Working directly with employers and their representation, WellNet Interactive's wellness and health management program helps to formulate structure and implement incentive solutions that better drive members to engage in activities that promote healthy behavior changes. Ultimately, this engagement results in savings for both the member and employer.

Through Point to Point Member Engagement (P2Pme), WellNet Interactive is able to offer plan members an individual and unique health portal where all areas of personal health can be managed in one convenient place, offering a communication option for the members and Care Managers.

For more information, please contact Judy Mueller, President of WellNet Interactive, at 866.397.9731