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<br />Our goal is to work with our clients to identifY one, tluee and five year ohjectives and defme <br />"success" for dIose tirncframes. <br /> <br />. <br /> <br />We attribute our success to (1) our unsurpassed dedication to client service, (2) a highly skilled team <br />of benefit professionals, (3) firm independence, and (4) a vast array of products and services, <br /> <br />1) In addition to a mandatory 24-lwur return call policy required from all representatives and staff, <br />FCI has instituted a proprietary benefits management system, 'Ibis system, custom designed to <br />each client, establishes annual procedures to ensure proactive and efficient management of <br />renewals including vendor selection and negotiation, product design alternatives, employee <br />education and implementation. <br /> <br />2) FCl employs a highly skilled team of benefit professionals to provide day-to-day service to our <br />clients. Whether it is problem resolution for claims or billing issues or the facilitation of strategic <br />planning meetings, the FCl team is dedicated to the highest level of client service, In addition to <br />our internal team of experts, we. have established cross-functional alliances with several key <br />personnel in the benefits industry to bring our clients exceptional value. These professionals <br />include HR Executives, Attorneys, Certified Public Accountants and Business <br />Management/Planning Executives, FCI may call upon any of these closely held relationships to <br />aide our clients in problem resolution. <br /> <br />3) As an independent firm, PCI has access to all uon-captive insurance companies licensed to do <br />business in the state of Minnesota. <br /> <br />4) Please refer to the Section 1 - A, Workplace Services for a more complete listing of the vast array <br />of products and services offered by PCL <br /> <br />. <br /> <br />Over the past few years, many employer groups have experienced annllill double-digit increases in <br />health insurance premiums. The causes of these increasing trends spread far and wide and cannot be <br />pinpointed to one overpowering source. 'Il1e cost of new and improved technology in the medical <br />industry, the rising cost of medical malpractice suits, the aging population, government mandates, the <br />cost associated with hringing new pharmaceuticals to market and patient utilization all play key roles <br />in escalating insurance premiuins, <br /> <br />As a result of d,ese increases, FCI has witnessed a unique eruption of choice in the group health and <br />welfare insurance marketplace. At no other time in recent history has there been so many options <br />available to employers and employees, Insurance companies are as aggressive as they have ever been <br />before in pricing, new member acquisition and value added senrices. Most insurance companies are <br />introducing new products and services including greatly expanded benefit design options, tiered drug <br />copays, disease management programs, employee assistance and counseling programs, patient <br />welhless resources, tiered networks and nurselines. In addition, legislative changes have added new <br />opportunities for the medical insurance marketplace that benefit both the employer and the employee, <br />including Health Reimbursement Arrangements (HRAs) , Health Savings Accounts (HSAs) and <br />Deductible Reimbursement Plans (DRPs). <br /> <br />As a standard practice, FCI in/Jestigates any and all new prvductJ, services, and legislation with insurance <br />vendors as well as our benefit attorneys. Our cfientJ are continuously updated on new developments with <br />regular conununication including etnails) semi-annual training seminars for HR professionals (see <br />Section I - G, Workplace WelIness Seminar) and regularly scheduled mid year strategic planning <br /> <br />. <br /> <br />4 <br />