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A BOUTIQUE BENEFITS EXPERIENCE

ABOUT CORPORATE SYNERGIES

OVERVIEW

Corporate Synergies is a nationally recognized employee benefits specialist. We provide innovative tools, resources and expertise to drive results for employers. Through personalized service, we deliver strategies that control costs, relieve administrative burdens and mitigate risk for your organization. THE CORPORATE SYNERGIES DIFFERENCE Our expert consultants draw upon their unique access to program data to reshape a benefits strategy inclusive of an employer’s financial goals, demographics, culture and benefits philosophy. The result: customized programs with built-in cost controls preparing employers for evolving healthcare landscapes. A DEEPER UNDERSTANDING OF EMPLOYEE BENEFITS

Tier 1 Broker with most major carriers

offering access to competitive rates

onboarding compliance assessment reviews 50+ point

SCOPE OF IN-HOUSE SERVICES: Q Benefits Administration Support Q Employee Education and Communications Q Financial Analysis and Projections Q Benchmark Analysis Q Multi-year Strategic Planning Q Personal Employee Advocacy Q Program Analysis and Design

Q Regulatory Compliance Q Underwriting Q Wellness and Disease Management Q Stop-loss Insurance Q Benefits Captives Q PBM Consulting Q International Benefits

Communication campaigns educate insurance users

Data-driven plan design

OVERVIEW

BEYOND EMPLOYEE BENEFITS We are also part of Foundation Risk Partners (FRP), one of the largest and fastest growing privately owned insurance brokerage and consulting firms in the United States. EXPANSIVE PORTFOLIO While we are singularly focused on employee benefits, many of our partner agencies specialize in property and casualty, life insurance or other specialty programs. This connection offers exciting new resources and solutions that we can leverage. Together, we provide superior results for our clients. PROPERTY & CASUALTY Our insurance agency partners can ensure the protection of your assets, property, employees and personal liability with customized property and casualty insurance. INDUSTRY-SPECIFIC SOLUTIONS Every industry has nuanced insurance needs, and employers in those industries need brokers that understand those intricacies. Our agency partners have exclusive access to carriers that offer the unique products to best protect your organization. RISK MANAGEMENT Our insurance specialist partners are risk management professionals that will identify your specific needs to ensure you have the best coverage available. If a claim should arise, they will be with you every step of the way to minimize your costs, streamline the process and provide support.

A Strong and Growing

Network 130+ Agencies 90+ Cities

Corporate Synergies has your employee benefits covered, and Foundation Risk Partners can cover the rest.

For a full listing of our services, visit FoundationRP.com .

For more information visit corpsyn.com or call 877.426.7779

All rights reserved. Corporate Synergies Group, LLC California license #: 0E77919 NOTE: This is not intended to be tax or legal advice. Please consult your tax or legal advisor. Certain services are subject to an additional brokerage and consulting fee and are not available in all jurisdictions.

ABOUT FOUNDATION RISK PARTNERS

Foundation Risk Partners (FRP) is a privately held, national insurance brokerage and consultancy, backed by the international private equity firm, Partners Group. It was founded in 2017 and currently ranked as a top 20 broker in the U.S. Our company began with the convergence of two large, established consulting and brokerage platforms that now provide FRP’s comprehensive property and casualty and employee benefits insurance services. FRP is licensed in all 50 states with more than 2,300 employees. Our benefits professionals support the health and welfare programs of local, regional and national employers, with a combined total valuation of over $2.8 billion. This combination of a locally entrenched and trusted advisor with the expanded capabilities of a nationally recognized employee benefits platform, elevates our value proposition to new levels. We are a rare combination of industry experience, leadership and innovation. We embrace the success of each of our member agencies and further support them through the collective capabilities of our internal network. We invite you to experience the difference.

ADVOCACY

Our advocacy team provides one-on-one support and issue resolution to plan participants.

THE FACE OF YOUR HEALTH BENEFITS

91 %

BenefitsVIP is an in-house administrative and advocacy support team dedicated to providing response and resolution for employees and their dependents, while freeing up resources for busy HR personnel.

of issues resolved within 24 hours .

80%

PHONE

APP

Your advocacy team can be customized consistent with your brand.

Submit inquiries from multiple points such as websites and portals.

One tap connects users to their dedicated BenefitsVIP team and benefits information.

of issues resolved in the first call .

VALUE FOR HR TEAMS BenefitsVIP relieves the time burden—and potential HIPAA concerns—of benefits inquiries. It’s like adding another HR employee dedicated to participant support. BenefitsVIP reporting puts your data to work for your organization. Reporting: Q measures performance and demonstrates the value for participants. Q reveals utilization/service trends using your data. Because this service is in-house, data can be communicated to other teams to create efficiencies and identify problems before they escalate. PEACE OF MIND FOR EMPLOYEES With an average of 20+ years of industry experience, our multilingual advocates provide one-on-one support to plan participants navigating the healthcare system. They are uniquely qualified to quickly and effectively get results.

22 Years average industry experience of advocates.

ADVOCACY

KEY RESPONSIBILITIES Q Respond to Inquiries Q Resolve Claims Issues Q Educate on Benefits Plan Education

Q Research Care Providers & Facilities Q Enrollment Support Q Report Utilization & Trends

REPORTING TECHNOLOGY BenefitsVIP collects from multiple data sources to identify and track key metrics and utilization trends to generate insights into participant behavior. This helps verify and drive the success of your benefits program.

Clients receive BenefitsVIP Analysis Reports, which detail: Q Detailed Utilization Information Q Emerging Service Trends

Q Average Resolution Time Q Productivity Savings Calculations

These reports can help identify opportunities to reinforce employee education. Upon closing each case, Corporate Synergies can survey employee satisfaction.

ADDITIONAL ADVOCACY SERVICES BenefitsVIP Mobile

Access your dedicated BenefitsVIP team through the mobile app on iOS and Android. The BenefitsVIP app provides participants access to valuable tools and resources to help them better utilize their benefits program and reduces the benefits workload of busy HR personnel. Users can: Q Access ID Cards & Plan Details

Q Get Assistance with Claims Q Chat Live with Advocates Q Estimate Care Costs Q Access 24/7 Care Triage

Q Find Prescription Discounts Q Find an In-Network Provider Q Schedule Appointments Q Find Common Healthcare Definitions

NurseVIP NurseVIP is staffed by registered nurses who help participants navigate the confusing maze of tests, medical opinions, unfamiliar terms, treatment options and other healthcare concerns. Our NurseVIP nurses: Q Handle Medical Appeals

Q Find the Lowest Cost for Prescriptions/devices not Covered under Benefits. Q Negotiate Out-of-Pocket Costs with Providers Q Help Promote Company Well-being Programs

Q Review Recommended Procedures Q Assist in Scheduling Appointments Q Coordinate 2nd or 3rd Opinions Q Ensure Medical Information is Sent Prior to an Appointment

For more information visit corpsyn.com or call 877.426.7779

COMPLIANCE

Corporate Synergies’ benefits compliance experts examine health and welfare plans and insurance arrangements for jeopardizing missteps or omissions.

ATTENTION TO DETAIL MEANS PEACE OF MIND AND BOTTOM LINE

The compliance landscape is complex and fluid. Keeping up—and staying compliant—with changing regulations could be a full-time job, and for Corporate Synergies’ in-house compliance team, it is. Careful research of new and changing rules supports our compliance advisors’ personalized recommendations. This attention to detail results in enduring relationships and peace of mind. GENERAL COMPLIANCE Corporate Synergies’ in-house compliance experts serve as financial risk consultants and trusted business advisors, operating as an extension of the client’s benefits and leadership teams. They monitor and provide updates and support related to the ACA, ERISA, HIPAA, COBRA, USERRA, Cafeteria Plans and Flexible Spending Accounts (Section 125/FSA), Medical Expense Programs (Section 105), Annual Reporting Requirements (Form 5500) and other requirements. COMPLIANCE ASSESSMENT You can’t fix problems you aren’t aware of. Using our proprietary 50+ point assessment, we provide an in-depth review of current plans, policies, procedures and filings for compliance with federal, state and local laws and regulations. From this review, we produce a comprehensive report with recommendations, an action plan for remediation of all identified deficiencies and ongoing best practices. COMPLIANCE SERVICES In addition to the assessment, our compliance team also provides guidance and assistance with: Q Plan document review Q ERISA reporting requirements Q HIPAA privacy regulations

Our experts mitigate an average of $23.2M in potential government fines and penalties per year. $23.2M #2 Employers ranked compliance concerns as their second biggest employee benefits challenge.

Q Federal and state mandate review Q Summary of material modifications Q Form 5500 filings

COMPLIANCE

COMPLIANCE NOTIFICATIONS AND EDUCATION Information, education and training are cornerstones of our approach and our client relationships. Our compliance team shares their expertise to equip clients with a deeper understanding of the compliance landscape. CLIENT NOTIFICATION Our compliance experts research, analyze and interpret the latest legislation, regulation and guidance that will impact clients’ health and welfare plans and insurance arrangements. These updates are delivered directly to our clients’ HR and benefits teams with compliance strategies and recommended action. If there are additional questions, the compliance team is just a phone call or email away.

LIVE EVENTS Learn from our respected employee benefits and compliance experts while earning SHRM PDCs and/or HRCI credits for select continuing education events. We host webinars, conferences and forums for HR, Finance and C-level executives that provide thorough actionable information on compliance, cost-containment strategies and more. Register at corpsyn.com/events .

For more information visit corpsyn.com or call 877.426.7779

EMPLOYEE EDUCATION & COMMUNICATION

EMPLOYEE EDUCATION OVERVIEW

Our communications programs help make participants better benefits consumers.

IMPROVING BEHAVIOR THROUGH BENEFITS EDUCATION

86 %

Studies show that 51% of U.S. adults lack basic health insurance knowledge which can cost the employee and employer money, increase claims and lead to inadequate health care. 1 Corporate Synergies’ employee education and communication programs promote informed enrollment, responsible plan usage and overall organizational health. These can improve participant well-being, job satisfaction and cost-savings. Q 43% of C-level executives identified employee education as their top healthcare cost mitigation challenge. 2 Q Employees who choose an inappropriate health insurance plan overspend by $1,700 per year. 3 Effective education and communication helps employees get it right, which reduces stress and distraction – and HR burden. A PROACTIVE LONG-TERM STRATEGY Our employee education strategists develop campaigns and messaging that simplifies benefits while matching the plan education and communication program to the employer’s business goals.

of enrolled employees CANNOT explain 4 basic insurance concepts.

Source: Journal of Health Economics

Employers rank employee communications among their top benefits challenges.

Source: Zywave Broker Services Survey

DISCOVER

PLAN

DESIGN IMPLEMENT REEVALUATE

EMPLOYEE EDUCATION OVERVIEW

COMPREHENSIVE COMMUNICATIONS SUPPORT Our communication programs enhance the value of your plan by helping your participants become better informed, responsible benefit and healthcare consumers. We work with you to develop communications that: Q Connect with participants during enrollment, special campaigns and throughout the plan year Q Engage participants with targeted information, helping them understand plan options and enroll appropriately Q Guide participants to properly use their benefits to save them—and you—time and money Q Influence responsible behaviors to improve participant health and well-being and help them better control benefit costs

EMAIL PORTALS VIDEO INTRANET TEXT MESSAGING PRINT Reach your audience Channels

Enrollment Communications

Assets DIGITAL SMARTGUIDES

Consumerism & Wellness Campaigns

NEWSLETTERS INFOGRAPHICS PRINTED GUIDES FLYERS POSTCARDS

For more information visit corpsyn.com or call 877.426.7779

1 Health Literacy Research and Practice, “Significant Disparities Exist in Consumer Health Insurance Literacy: Implications for Health Care Reform” 2 Zywave Broker Services Survey, 2021 3 IAA Institute, “Overpaying and undersaving: Correlated mistakes in retirement saving and health insurance choices”

BENEFITS ADMINISTRATION

Our Benefits Administration services reduce program costs by creating efficiencies and automating time-consuming processes.

ACHIEVE OPTIMAL PROGRAM EFFICIENCIES THROUGH EXPERT IMPLEMENTATION

Our Benefits Administration services help employers control costs and operate more efficiently and accurately. By managing your open enrollment and new hires, life event and status changes, reporting, eligibility maintenance and verification, portability, and more, we can free up time and resources for your HR teams. Our scalable services fit any size organization and budget and grow with your team and needs. Our precise technology platform implementation modernizes the user experience and automates time-consuming and error-prone manual processes, mitigating risk and saving your HR team hundreds of work hours. IT’S ALL COMING TOGETHER Integration is the core of effective benefits administration. A large amount of diverse data must be efficiently and accurately shared between HRIS, carrier, vendor and payroll teams and platforms. We configure and service all this in house. Our holistic approach means your benefits administration team has a total understanding of your organization’s benefits program and data. Client Solutions, our benefits administration team, are professionals who “speak” the languages of both employee benefits and technology platforms. Comprised of carrier and platform veterans, Client Solutions members are integration experts who ensure that client platforms are serving the unique needs of your organization’s workforce through effective platform implementation.

500 hours saved annually by a client utilizing Corporate Synergies benefits administration services.

97 %

of employees valued digital technology innovation from their benefits provider. 1

1 2020-2021 Aflac WorkForces Report

BENEFITS ADMINISTRATION

QUALITY IN, QUALITY OUT Even the best benefits administration platform is only as good as its

implementation. Your platform should save your organization time and money, but improper setup can cause HR headaches, frustrated employees and compliance risk. Our Client Services team has diagnosed and rescued organizations from these dire situations. In addition to a poor user experience for employees and HR managers, a mismanaged platform can create data discrepancies and allow ineligible enrollments and inaccurate deductions. This can lead to considerable legal exposure or paying a claim out of pocket. BENEFITS ADMINISTRATION PLATFORMS There are many platforms available and they’re not one-size-fits-all. We’ve already researched and identified the top technology platforms in the industry – along with their ideal client fit. We can recommend the right platform for any size organization and any level of benefits administration complexity. After evaluating key factors, like workforce size, plan design and any other unique complexities of your organization, we can objectively recommend and implement the best platform for your needs.

Our Benefits Administration Technology is seamless, secure and scalable .

It is highly configurable, helps ensure regulatory compliance and engages employees in a variety of formats.

Our Client Solutions Team Can Provide:

Ensure regulatory compliance with PPACA (i.e. W-2 reporting, hours, tracking, etc.) and other legal requirements.

Support and manage most employer-sponsored and voluntary benefits offerings and program design (plans, contributions, etc.) including private exchanges.

Web–based system that is highly configurable - as needs change, ability to implement modules at your pace, personalize the solution and view/extract data for reporting .

Q Enrollment Support Q Data Integration

Open architecture that allows for seamless integration with insurance carriers, vendors, HRIS and payroll (i.e. file feeds, real-time web service updates, etc.)

Q Document Management Q Eligibility Maintenance Q Information Reporting

For more information visit corpsyn.com or call 877.426.7779

PLAN MANAGEMENT

COMPREHENSIVE CLIENT SUPPORT

When it comes to designing an annual employee benefits strategy and executing every component, details matter. But so does the big picture. Our Plan Management process is comprised of a Multi-Stage Approach that attends to the daily and annual requirements of your benefits program while maintaining a focus on the horizon. Our approach to benefits management delivers an immediate and ongoing positive impact on the employer’s organization and plan participants, allowing for data-driven refinements along the way. STRATEGY: ANALYZING YOUR LONG-TERM GOALS Using participant data, our experts develop an overall strategy to achieve long-term benefits goals and priorities. Our recommendations are shaped by our deeper understanding of you and your employees. DESIGN: STRUCTURING YOUR EMPLOYEE BENEFIT PLANS Through data analysis and benchmarking, we optimize your annual renewal experience by identifying cost-effective solutions to accomplish your overall strategic goals. We leverage our position in the marketplace to negotiate optimal, cost-controlled plan designs. EXECUTION: DAY-TO-DAY BENEFIT MANAGEMENT We relieve administrative burdens, simplifying the entire benefits process by developing a customized Annual Business Plan. Our team of account managers, specialists and underwriters execute the deliverables within this business plan to ensure administrative efficiencies, increased regulatory compliance, and mitigation of risk exposures. We assist plan participants to get the most out of their benefits, providing education and personal support that helps them make informed decisions and properly enroll in and use their plans.

52% of employees say they can’t afford out-of-pocket healthcare expenses of $1,000 or more.

PLAN MANAGEMENT

A LOOK INSIDE OUR UNIQUE PLAN MANAGEMENT PROCESS

Q Open Enrollment Support: Delivery of contracts, amendments and summary plan descriptions; support of employee meetings; development enrollment materials; supervision of carrier and vendor deliverables Q Compliance Risk Mitigation: Identification and remediation of immediate risks; ongoing strategies to keep plans compliant; continuous information flow on changes in laws and regulations impacting benefits Q Participant and HR Advocacy: Personal inquiry and issue resolution through our BenefitsVIP employee and HR advocacy and support center Q Client and Participant Education: Award-winning employee communications campaigns and materials; complimentary webinars, forums and conferences for ongoing client education; weekly releases of thought leadership blog articles, videos and “eAlert” updates Q Wellness and Disease Management: Q Vendor Management: Designing metrics, establishing service levels and monitoring best-in-class vendor partners Q Performance Guarantees: Establishing mutually agreeable standards and metrics for implementation, account management, customer services and processes Corporate Synergies has your employee benefits covered, and Foundation Risk Partners can cover the rest. Designing, implementing and supporting health and wellness programs

Q Employee Data Capture and Analysis: Acquiring ongoing data through Corporate Synergies’ internal listening posts (BenefitsVIP® advocacy center, etc.); analyzing impact of employee behaviors and utilization on cost Q Ongoing Claims Experience Review: Monitor and report using our Claims Dashboard on expected liability, contractual stop-loss obligations, fixed costs, budget forecasts, etc. Q Trends and Cost Driver Identification: Evaluating plan performance against business goals through our data analytics tools Q Benchmarking: Reporting on plans, utilization, costs, demographics, etc.; modeling the impact of changes; evaluating benefit plans against other employers Q Funding Alternatives: Guidance and recommendations on minimum premium, level funding, self-funding, referenced-based pricing, etc., based on risk tolerance, cash flow requirements and group size Q Plan Marketing/Renewal Negotiations: Our Underwriters use our Claims Dashboards to provide projections for a “no-surprise renewal.” Combined with our status in the marketplace, along with our ability to uncover anomalies within a carrier renewal calculation, we are able to provide superior negotiating strength for the most cost-effective rates and design. Q Annual/Multi-Year Program Design: Annual and long-term strategies to achieve improved cost control and overall value Q Plan Implementation/Ongoing Support: Yearlong monitoring and reporting of tasks, roles and timelines employee engagement surveys, benefits administration system,

A Strong and Growing

Network 130+ Agencies 90+ Cities

For a full listing of our services, visit FoundationRP.com .

For more information visit corpsyn.com or call 877.426.7779

GIVING BACK

OUR CARES PROGRAM

The Corporate Synergies CARES Committee is comprised of charitable-minded employees working toward civic leadership for our clients & local communities. With the aid of our enthusiastic members, we pay it forward to our nonprofit clients, local communities and each other, through charitable missions, employee support efforts, and fun breaks & activities.

PAYING IT FORWARD “ Thank you again for inviting the CARES Committee to participate in our Toy Drive this year! Your team was so incredibly generous and really helped us reach our goals for collecting toys! ” — Foster the Family toy drive

“ Thank you for your generosity in ensuring each child can grow and learn to their fullest potential this upcoming school year. ” — Acenda, Inc., backpack drive

“ We are all very grateful for this donation! We love the partnership we have with Corporate Synergies and look forward to continued collaboration. ” — World Relief, fundraiser 2022 “ Thank you so much! You have no idea how much we appreciate the support from you and your entire team! Your generosity to our families in need will not be forgotten. ” — Drueding Center toy drive 2022

MAKING A DIFFERENCE

CIVIC & CHARITABLE Paying it forward with a focus on health, wellness and nutrition. Our 2024 past and current missions include:

Helping Hands warm winter essentials collection

•

Acenda Integrated Health backpack drive

•

Hope Loves Company Chocolate Meltdown volunteers Joseph’s House meal prep Lion’s Clubs International used eyeglass collection Mastery Schools coat drive One Sandwich at a Time meal prep Operation Gratitude greeting card collection Philabundance Campout for Hunger food drive Ronald McDonald House of Southern NJ can tab collection, fundraiser & dinner service Rutgers Dress for Success clothing drive So Others May Eat golf outing Unforgotten Haven toiletries collection United Cerebral Palsy of Long Island Brushstrokes notecard sale United Ukrainian American Relief Committee volunteers

•

American Foundation for Suicide Prevention overnight walk American Red Cross blood drive Animal Welfare Association volunteers Cathedral Kitchen food donations, meal prep & volunteers Children’s Hospital of Philadelphia Parkway Run & Walk City of Camden Trunk or Treat Drueding Center toy drive Easterseals Northeast Central Florida wish list Feed My Starving Children meal prep Food Bank of South Jersey tote bag donations For the Love of Pete’s Pantry blessing bags collection/packing Foster the Family 5K Walk/Fun Run and toy drive God’s Love We Deliver meal prep Got Sneakers recyclable collection Habitat for Humanity site build Children’s Choice toy drive

•

Walk to End Lupus Now World Relief fundraiser

•

COMFORT & JOY Recognizing, supporting & advancing our teams. Pausing for vital mental breaks. Our 2024 support & events include:

Take Your Child to Work Day Summer Water Challenge Ice Cream Social with Sr. Leaders Spirit Week & Holiday Parties

•

Birthday Bonuses

•

Appreciation Breakfasts/Lunches

•

Random Raffles

•

Budgeting & Savings Tips

•

Eldercare articles

•

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