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. . I t. ~ c) QUALIFICATIONS 1. Service Philosophy FC]'s value proposition is providing consulting and brokerage services that result in cost effective benefit programs that meet the unique goals and objectives of the organization. We achieve our value proposition by leveraging our independence, a proprietary strategic benefit management system, innovative enlployee services and a comprehensive array of tools and resources to case the plan administration for the employer. 1) As an independent firm, FCl generates sufficient volume in the state of Minnesota to maintain preferred broker status with all the major insurance carriers. Our clients benefit from this status by receiving more timely information as well as,increased negotiating power. FC]'s negotiation skills have resulted in significant reductions for our clients' health insurance renewals, In addition, as a member of NFP, FCI has access to proprietary products not offered through other local employee benefit agencies, 2) FCI employs a proven proprietary benefits management process that helps anticIpate cost increases as well as allows time to proactively implement cost containment measures, Through tlus process, FCI systematically analyzes claims information from vendors to identify problematic trends over the course of the year, This information is provided to your benefits staff with appropriate recommendations for immediate and future action items. Recommendations may include, but arc not limited to, evaluating other vendors, funding arrangements and/or implementing plan design alternatives. 3) FCI advocates a very high level of employee interaction throughout the benefits management process. In most organizations, employees today arc oblivious to the dramatic cost increases affecting the health insurance industry. We believe that industry trends point toward increased employee responsibility for healthcare, We work with our clients to implement a strategic education and/or wellness campaign to help prepare employees for the future as well as keep them infomled and involved in immediate benefit plan changes. In addition; our extensive library of educational presentations is aimed at raising awareness of insurance trends, understanding plan design and cost shating changes and encouraging health management behaviors among employees. While the employee interaction may not immediately impact tile overall cost to the plan, it does help alleviate contention among employees when benefit changes (both cost and plan design) are the only option. 4) FCl strives to act as a virtual extension of your Human Resources staff by providing tools and resources that help ease benefit plan administration, maintain compliance with current and new laws, regulations and commwucations with participants. As an FCI client, you win have an opportunity to take advantage a "vide array of Human Resources support services. \X/ith out prominence in the industry, strategic benefit management process, employee involvemcnt~ and extensive hurnan resources support sernces, we believe FCl ranks highest m110ng its' competitors, Our clients benefit from FCl's thorough cost negotiations with insurance carriers and our ability to reduce the internal burden of sponsoring your benefit plans, 7