Elements PEO | Broker Program

PEO BROKER/INSURANCE AGENT BROKER PROGRAM

VALUE INTEGRITY

Doing the right thing, in a reliable way

DEDICATION We are devoted to growth of customers, employees and your business

ACCOUNTABILITY Account for activity and disclose in a transparent manner

PARTNERSHIP We listen and collaborate with our customers, to bring out the best ideas

PASSION We are inspired that our element empowers our clients strategic development

VISIONTo be the most trusted and respected professional employer organization, empowered by our employees and customers to deliver an unparalleled element of excellence to reshape the industry marketplace.

MISSIONWe believe in providing our customers with pragmatic solutions that will work within the business constraints of time, budget, and culture. Empowered to our customers to grow successfully by partnering with knowledgeable and passionate professionals, who support and provide a collaborative culture that enables the partnership with our customer base to thrive professionally and personally.

WHY ELEMENTS PEOIt’s simple! We want to be the element that would have a long-lasting impact on your business growth. It’s our mission, vision and values that makes Elements a suitable option for all your business needs. Size sometimes does matter, we are big enough to earn your business and small enough to service it. Our team of dedicated experts in Human Resources, Risk Management, Payroll, Benefits and Customer Care will guide you in every step of the way. Our core foundation speaks to how we go to market and our commitment to deliver excellence to our clients, worksite employees and the community.

800.827.4660 [email protected] ElementsPEO.com

ASO ONLY PEO & ASO

MAP IS UPDATED QUARTERLY

Our partnership with AmTrust Group enables us to bring extensive technology, risk management, loss control and claim management resources to our clients. These resources will effectively help control the ever increasing cost of providing workers’ compensation insurance coverage for our customers, nationwide. It’s our mission to help small and mid-sized businesses grow. Eliminating the management of their workers’ compensation needs gives them one less thing to worry about, freeing them up to focus on growth and success.

AmTrust Group is an A.M Best rated “A” (Excellent) carrier specifically tailored to accommodate the needs and risks of small to mid-sized businesses in industries including healthcare, IT, logistics, manufacturing, restaurants and hospitality, light construction and retail. Elements prefers businesses in the White, Grey and Blue Collar industries.

SUBMISSION NOTES• Ex. Mod: Up to 1.50 with explanation of losses over $20K and what safety programs have been put into place to help lower risk.• We require all clients to have EPLI, EAP, STD & LTD coverage under our programs. If a prospect already has these programs in place, we can waive this requirement with proof of coverage. • STD and LTD is provided through UNUM Insurance. • Carrier approval may take up to 2-3 business days

ITEMS NEEDED FOR A RFP SUBMISSION 1. Copy of an Accord (if you do not have one please provide the following): 2. Full Legal Name 3. FEIN 4. Estimated Gross Annual Payroll 5. Number of Employees (Full Time and Part Time) 6. Business Address or Location(s) 7. Loss Runs for the last 3 years from work comp carriers 7a. If new in business, resume of owner and explanation of business. 8. NCCI Mod Rating 9. Years in Business 10. Current SUTA Rates11. Copy of current workers compensation policy12. Employee Census (If benefits are requested)13. Example of union deduction report, if applicable.

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ELEMENTS MARKETING DEMOGRAPHICElements is currently accepting ASO business Nationwide and PEO in the following states:AL / AR / AZ / CT / CA / CO / DC / DE / GA / IA / ID / IL / KS / LA / MI / MA / MN / MS / NE / NJ / NY/ PA / SD / TX / VA / VT / WI / WV

You get a dedicated Broker Program Specialist as your main point of contact, NO CALL 800 numbers to get someone on the line anymore! GREAT COMMISSIONS PAID FOR THE LIFE OF THE ACCOUNT!

IMPLEMENTATION SPECIALIST Once you decide to come onboard, your Implementation Specialist (IMPS) will be your first point of contact from Elements. Your IMPS reaches out to you within 24 business hours after we receive signed service agreements. Your IMPS walks you through the set up process and customizes our programs to fit your company’s needs and even walks you through your first payroll before being handed over to your Payroll Specialist and Account Manager.

ACCOUNT MANAGER Think of your Account Manager as your Quarterback. Your Account Manager will be your main point of contact. They will be responsible for the overall management of your account and works with our internal team to help coordinate between departments on any open items we are working for you.

PAYROLL SPECIALIST Your Payroll Specialist will be your payroll processing and questions point of contact. Your Payroll Specialist will assist you with processing payroll, garnishment set ups, deductions or ACA Compliance reporting questions.

BENEFITS COORDINATOR Your Benefits Coordinator administers your insurance plans and ensures correct billing. If you have Healthcare, Dental, Vision, 401K, Life or STD/LTD through our programs, your Benefits Coordinator walks you through the enrollment process. Your Benefits Coordinator helps you and your employees understand your benefits program and is your advocate to the insurance carriers. Your Benefits Coordinator reviews your benefits programs and educates employees how to “better” utilize their insurance. Our benefit plan management keeps renewal costs down.

WE HANDLE ALL EMPLOYEE BENEFITS ADMINISTRATION SUCH AS:

HR GENERALIST Your HR Generalists are PHR and SPHR Certified professionals who are here to help you stay in compliance with ever changing Employment Laws. HR Generalist can assist from drafting offer letters to reviewing termination documents.

RISK MANAGER Your Risk Manager assists in workers compensation claim resolution, developing safety programs and OSHA Compliance Assistance.

COBRA Compliance and AdministrationAnnual Open Enrollment Meetings Retirement Services

Medical Claim Assistance Discrimination Testing (401K & Section 125)Plan Maintenance


YOUR CLIENTS GET A DEDICATED TEAM

PEOS AND INSURANCE AGENTSProfessional employer organizations (PEOs) and insurance agents have been traditional competitors because PEOs provide Workers’ Compensation and Health insurance under their master plans to client firms. But times have changed.

In the late 1990s, three PEOs were formed with plans to enter into marketing agreements with insurance agents. All three quickly grew to rank among the 10 largest PEOs in the U.S. Later, many other PEOs started to offer sales contracts to insurance agents while retaining a direct sales force. Today, most of the 25 largest PEOs will provide a sales contract to insurance agents.

Over the last five years, two significant developments have changed the landscape for the relationship of insurance agents and PEOs: In 2013, the NCCI released a study authored by its chief economist, Harry Shuford, concluding that PEOs have a positive impact on the nation’s Workers’ Compensation system. This has encouraged many of insurance agents, who had previously held a negative opinion of PEOs, to look to PEOs to provide an alternative solution to various insurance needs for their clients.

The PEO marketplace has evolved. Five years ago most PEO sales with insurance agents involved the agent working with a PEO employee sales rep, who handled all point of sale communication with the client. The evolution of PEO sales has followed the independent insurance agent model. Today many agents look to PEO brokers to access PEO solutions for their clients.

Today there are more than 750 PEOs in the U.S. The PEO broker typically has sales contracts with many PEOs and can match up the needs of the client with the capabilities of a group of PEOs to request proposals.

The PEO broker can analyze the proposals from a group of PEOs and prepare an apples-to-apples comparison for the client and the insurance agent. This saves the client time because the client does not need to deal with four or five PEO sale reps to select a PEO and receives a comparison by an independent party who is representing the client and not the PEO. It helps the insurance agent because none of the PEO proposals are from his competitors.

We are proud to announce that AmTrust Group, a multinational property and casualty insurer specializing in coverage for small to mid-sized businesses, is the carrier of choice for our Master Workers’ Compensation Program. We provide competitively priced workers’ compensation coverage to small- and mid-size businesses.

This partnership enables us to deliver extensive technology, risk management, loss-control and claim-management resources to our clients. This effectively helps our clients control the ever-increasing cost of workers’ compensation insurance coverage. Our mission is to help small- and mid-sized businesses grow. Eliminating the management of their workers’ compensation needs eliminates one major element to worry about, freeing them to focus on growth and success.

AmTrust Group is an A.M. Best-rated “A” (Excellent) carrier specifically tailored to accommodate the needs and risks of small- to mid-sized businesses in industries that include but aren’t limited to office exposures – IT, banks, accountants, doctors’ offices, schools – retail stores, light construction, hospitality, light manufacturing and warehouses.

Risk exposures that are excluded include transportation risks, environmental hazards, home healthcare, group homes, sports or adult entertainment establishments, 24-hour operations, chemical or pharmaceutical manufacturing and accounts with fewer than four employees.

WORKERS COMPENSATION CARRIER


WHAT ARE THE BENEFITS OF PARTNERING WITH ELEMENTS FOR PEO SERVICES? PEOs retain approximately 89 percent of their clients from year to year, according to NAPEO (The National Association of Professional Employer Organizations), proving businesses who use PEO services truly appreciate the benefits of the co-employment relationship

COST SAVINGSBusinesses that use Elements as their PEO have reported sig-nificant cost savings on insurance and other types of coverage.

TIME SAVINGSWorking with Elements frees up time that would be spent on human resource and compliance related tasks allowing businesses to focus on what they do best.

HUMAN RESOURCE AND EMPLOYMENT EXPERTISEElements provides a wealth of human resource knowledge on matters like workers’ compensation, risk and compliance, tax credits, FMLA and more.

IMPROVED BENEFITSOutsourcing to Elements can help small and medium-sized businesses acquire a broader and deeper package of employee benefits at a lower cost than could otherwise be accessed.

REGULATORY COMPLIANCEElements helps businesses navigate through ever-changing federal, state and local regulations. PEOs monitor important wage and work-related laws and take care of the administra-tive functions, such as government reporting, unemployment claims and payroll taxes, to ensure compliance is met on an ongoing basis.

ElementsPEO.com

BENEFIT PLAN DESIGNS 2015-2016

Groups under 25 eligible employees will require to complete GHQ/PHQ for full underwriting. Groups over 26 employees will be required to complete a GHQ for full underwriting. Rates are subjected to completion of full group underwriting.

IN - NETWORK $500-80% $1000-80% $2000-80% $2500-80% $3000-80% $1500-90% $3000-100%

COINSURANCE 80% 80% 80% 80% 80% 90% 100%

Office Copay - PCP/Specialist $35/$45 Copay $35/$45 Copay $35/$45 Copay $35/$45 Copay $35/$45 Copay Deductible & Coinsurance Deductible & Coinsurance

Deductible - Employee/Family $500/$1,000 $1,000/$2,000 $2,000/$4,000 $2,500/$5,000 $3,000/$6,000 Deductible & Coinsurance Deductible & Coinsurance

OOP $6,600/$13,200 $6,600/$13,200 $6,600/$13,200 $6,600/$13,200 $6,600/$13,200 Deductible & Coinsurance Deductible & Coinsurance

Urgent Care/Emergency

Room Copay $75/$250 $75/$250 $75/$250 $75/$250 $75/$250 Deductible & Coinsurance Deductible & Coinsurance

PT/OT/COGN/SPCH/

CHIRO Therapy Limits 20 Visits 20 Visits 20 Visits 20 Visits 20 Visits 20 Visits 20 Visits

PRESCRIPTION DRUGS/

MAIL ORDER COPAYS

Outpatient Prescription Drug Deductible $100 $100 $100 $100 $100 Deductible & Coinsurance Deductible & Coinsurance

Tier 1 $20 $20 $20 $10 $20 Deductible & Coinsurance Deductible & Coinsurance




OUT OF NETWORK

Coinsurance 60% 60% 60% 60% 50% 60% 70%

Deductible Employee/Family $1500/$3000 $2000/$4000 $3000/$6000 $4000/$6000 $6,000/$12,000 $3,000/$6000 $6,000/$12,000

OOP - Employee/Family $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 $12,500/$25,000 $12,500/$25,000

MOOP- Employee/Family $12,000/$24,000 $12,000/$24,000 $12,000/$24,000 $12,000/$24,000 $12,000/$24,000 $12,000/$24,000 $12,000/$24,000

Aetna Signature

Aetna Signature

Aetna Signature

Aetna Signature

Aetna Signature

CDHP Advantage

CDHP Advantage

AETNA NETWORK

EMBEDDED DEDUCTIBLE

EMBEDDED DEDUCTIBLE

RX Deductible/ Co Pays





Healthy Incentives

PPO 14 Copay

F/80/60

Healthy Incentives

PPO 14 Copay

F/80/60

Healthy Incentives

PPO 14 Copay

F/80/60

Healthy Incentives

PPO 14 Copay

F/80/6

Healthy Incentives

PPO 14 Copay

F/80/50

Healthy Incentives

CDHP 14 Copay

F/90/60

Healthy Incentives

CDHP 14 Copay

F/100/70

IN - NETWORK $500-80% $1000-90% $2000-80% $2500-80% $3000-70% $1500-80% $3000-90%

COINSURANCE 80% 90% 80% 80% 70% 80% 90%

Office Copay - PCP/Specialist $35/$45 Copay $35/$45 Copay $35/$45 Copay $35/$45 Copay $35/$45 Copay Deductible & Coinsurance Deductible & Coinsurance

Deductible - Employee/Family $500/$1,000 $1,000/$2,000 $2,000/$4,000 $2,500/$5,000 $3,000/$6,000 Deductible & Coinsurance Deductible & Coinsurance


OOP $100/$250 $100/$250 $100/$250 $100/$250 $100/$250 Deductible & Coinsurance Deductible & Coinsurance

Urgent Care/Emergency Room Copay $75/$150 $75/$250 $75/$250 $75/$250 $75/$250 $75/$150 Deductible & Coinsurance

PT/OT/COGN/SPCH/ CHIRO Therapy Limits 20 Visits 20 Visits 20 Visits 20 Visits 20 Visits 20 Visits 20 Visits

PRESCRIPTION DRUGS/ MAIL ORDER COPAYS

Outpatient Prescription Drug Deductible $100 $100 $100 $100 $100 Deductible & Coinsurance Deductible & Coinsurance





OUT OF NETWORK

Coinsurance 60% 60% 60% 60% 50% 60% 70%

Deductible Employee/Family $1500/$3000 $2000/$4000 $3000/$6000 $4000/$6000 $6,000/$12,000 $3,000/$6000 $6,000/$12,000

OOP - Employee/Family $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 $13,000/$26,000 $12,500/$25,000 $12,500/$25,000


Healthy Incentives PPO

Healthy Incentives PPO

HealthyIncentives PPO



CDHP Advantage

CDHP AdvantageCIGNA NETWORK

ElementsPEO.comGroups under 25 eligible employees will require to complete GHQ/PHQ for full underwriting. Groups over 26 employees will be required to complete a GHQ for full underwriting. Rates are subjected to completion of full group underwriting.

GWH-CIGNA PPO 14 Copay F/80/60





PPO CDHP 14 Copay F/80/60

PPO CDHP 14 Copay F/90/70

EMBEDDED DEDUCTIBLE

EMBEDDED DEDUCTIBLE






BENEFIT PLAN DESIGNS 2015-2016

IN - NETWORK Deductible Individual

$5/Visit Type 1/$50 Type 2,3 $5/Visit Type 1/$50 Type 2,3

Deductible Family

$5/Visit Type 1/$50 Type 2,3 $5/Visit Type 1/$50 Type 2,3

Preventive Procedures Included

Included

Basic Services

80% Coinsurance

50% Coinsurance

Major Services

50% Coinsurance

N/A

Calender Year Maximum $1000

$500

Extras 90th U&C 80th U&C/NoneOUT - OF - NETWORK Deductible Individual

50% Coinsurance

N/A

Deductible Family

50% Coinsurance

N/A

Preventive Procedures 50% Coinsurance

N/A

Basic Services

50% Coinsurance

N/A

Major Services

50% Coinsurance

N/A

Extras N/A N/A

AMERITASPlan 1 PASSIVE PPO - High Option

Plan 2 PASSIVE PPO - Low Option

ORTHODONTIA SUMMARY - CHILD ONLY COVERAGEAllowance

U&CCoinsurance

50%Lifetime Maximum (per person)

$1,000Waiting Period

NoneSAMPLE PROCEDURE LISTING (Current Dental Terminology © American Dental Association.)

TYPE 1Routine Exam (2 in 12 months)Bitewing X-rays (1 in 12 months)Full Mouth/Panoramic X-rays (1 in 5 years)Periapical X-rays

Cleaning (2 in 12 months)Fluoride for Children 13 and under (1 in 12 months)

TYPE 2Sealants (age 13 and under)Restorative AmalgamsRestorative CompositesEndodontics (nonsurgical)Periodontics (nonsurgical)Denture Repair

Simple Extractions

TYPE 3Space MaintainersOnlaysCrowns (1 in 10 years per tooth)Crown RepairEndodontics (surgical)Periodontics (surgical)Prosthodontics (fixed bridge; removable complete/partial dentures) (1 in 10 years)

Complex ExtractionsAnesthesia

DENTAL PLANS 2015-2016IN - NETWORK

Eye Examination

100% after $20 copay

Eyeglass Lenses: Single Vision 100% after $20 copay

Eyeglass Lenses: Bifocal 100% after $20 copay

Eyeglass Lenses: Trifocal 100% after $20 copay

Eyeglass Lenses: Lenticular N/A

Retail Frame Allowance $50 wholesale allowance

Contact Lense Allowance $150 allowance

OUT - OF - NETWORK

Eye Examination

$35 allowance

Eyeglass Lenses: Single Vision $35 allowance

Eyeglass Lenses: Bifocal $35 allowance

Eyeglass Lenses: Trifocal $35 allowance

Eyeglass Lenses: Lenticular N/A

Retail Frame Allowance $57 retail allowance

Contact Lense Allowance $150 allowance

HUMANAPlan 1 VCP - Humana Vision

We have contracted with many well-known facilities and eye doctors to offer Lasik procedures at substantially reduced fees.

You can take advantage of these low fees when procedures are done by network providers. The network locations listed below offer the following prices (per eye):

CONVENTIONAL / TRADITIONAL** CUSTOM**

TLC 888-358-3937(designated locations only) $ 895 $1,295 $1,895*

LasikPlus 866-757-8082 $ 695* LasikPlus free enhancements for 1 year $1,895* LasikPlus free enhancements for 1 year

$1,395* LasikPlus free enhancements for life

QualSight LASIK 855-456-2020 $ 895 QualSight free enhancements for 1 year $1,320 $1,995* with QualSight Lifetime Assurance Plan

$1,295 with QualSight Lifetime Assurance Plan

*with IntraLaseTM ** Pricing varies by section procedure offered by the provider you choose and options in your area. Not all locations offer fixed pricing. Please call the provider for details.

HOW DOES THE WHOLESALE FRAME ALLOWANCE WORK?

Benefits include a wholesale frame allowance. If the wholesale cost exceeds the frame allowance, members pay twice the wholesale difference. They never pay full retail.

RETAIL PRICE* WHOLESALE PRICE WHOLESALE ALLOWANCE MEMBER PAYS SAVINGS

$125 $50 $50 $0 $125

$187.50 $75 $50 $50 ($75-$50=$25x2=$50) $137.50

* Retail costs may differ and are based on 2½ times the wholesale cost. Actual savings may vary.

You may receive a 10%

discount from retail prices at

certain independent Lasik

participating providers and

pay no more than $1,800

per eye for Conventional

Lasik and $2,300 per eye

for Custom Lasik.

VISION CARE PLAN HumanaVision Lasik Discount

VISION PLANS 2015-2016


ELEMENTS BENEFITS DEMOGRAPHICSElements is currently accepting Benefit driven RFP’s. Below are the carrier networks in which Elements is quoting per state.

HEALTH UNDERWRITING REQUIREMENTS

GROUPS WITH 5-25 ELIGIBLE EMPLOYEES PHQ (Personal Health Questionnaire) GHQ (Group Medical Questionnaire) Premium Rate History (Copy of recent invoice) EE Census Summary of current benefits Renewal Letter if available

GROUPS WITH 26-99 ELIGIBLE EMPLOYEES GHQ (Group Medical Questionnaire) PHQ (Personal Health Questionnaire) (Outside of GA or IL) EE Census Premium Rate History Summary of current plan designs Renewal letter if available

GROUPS WITH 100+ ELIGIBLE EMPLOYEES WITH CLAIMS EXPERIENCE GHQ (Group Medical Questionnaire) Premium Rate History EE Census Summary of current benefits plans Renewal letter if available Minimum of 12 months of monthly claims data by month

(including premium) Large claims report for the same 12 month timeframe

as listed above

GROUPS WITH 100+ ELIGIBLE EMPLOYEES WITHOUT EXPERIENCE May be quoted on a case by case basis and must be

reviewed by underwriting GHQ (Group Medical Questionnaire) PHQ (Personal Health Questionnaire) (Outside of GA or IL) EE Census Premium Rate History Summary of current plan designs

If Elements has a carrier with a better network within another state, Elements will provide the best network carrier based on EE census provided. Final pricing is subject to final underwriting of submissions.

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Elements can provide both ASO and PEO proposals for customersnAETNA nBLUE CROSS/BLUE SHIELDnCIGNAnHUMANAnKAISER PERMANETE

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ETime is a simple to use yet powerful time and attendance solution that allows you to automate your company’s timekeeping and attendance tracking. ETime completely eliminates paper timesheets, which are the root of most payroll nightmares! ETime gives companies an easy way to automate their workforce management processes. Accessible from any computer with Internet access,ETime provides the tools to help Supervisors and Management know exactly how their payroll dollars are being spent and where labor resources are being utilized.

ETime provides a user-friendly self service point for your workforce. Employees can do things such as clock in and out, review schedules, transfer labor hours, submit time sheets, check benefit accruals, and submit time off requests – all from the convenience of the Internet. Labor data is immediately stored in ETime’s database where it is available to managers on a real-time basis.

The ETime’s powerful reporting system provides you with the tools to better manage your labor force. ETime’s reports help you avoid unauthorized overtime, track employee status, track benefit administration, control departmental costs, monitor staffing, perform job costing, and much more.

The standard, automated time clock polling and report generation capability allows you to define a processing schedule. ETime will poll the time clocks, process reports and even email them to supervisors automatically without operator intervention.

Eliminate Payday Panic! Know exactly where your employee’s time and dollars are spent by implementing your rounding rules, not your employee’s. By removing human error, accurately reporting employee hours and dramatically reducing the amount of time spent on payroll preparation,ETime will pay for itself in less than one year!

FEATURES

Automates Attendance Tracking, the Calculation of Employee Time, & Wages and Tracks Exempt Employees

Applies your Pay Rules

Supports an Unlimited Number of Shifts, Pay Categories, Pay Rules, and up to 15 levels of labor distribution

Provides Extensive Payroll and Management Reports

Runs from your favorite browser

Exports Hours directly to more than thirty Popular Third-Party Payroll Providers

Supports an Unlimited Number of Data Collection Terminals

2 Levels of approvals – Employee & Supervisor

Powerful security configurations

Employees can review hours, schedules and benefit balances

Real-time management reporting

Automated Employee Leave Requests


100% WEB BASEDTIME AND LABOR MANAGEMENT

ElementsGroup.com

EPLI covers our clients businesses against claims by workers that their legal rights as employees of the company have been violated.

The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits.

EPLI provides protection against many kinds of employee lawsuits, including claims of:

OUR EPLI CARRIER IS AIG. DEDUCTIBLE FOR CLIENTS ARE GOING TO BE AS FOLLOWS:

For clients with employee counts of 1 to 250 employees they will still have a $50,000 deductible For clients with employee counts of 251 to 800 – they will have a deductible of $75,000 For client with employee counts greater than 801 - they will have a deductible of $125,000

Clients who have EPLI coverage can waive coverage with proof of coverage and listing Elements as an Alternate Employer.

EMPLOYMENT PRACTICES LIABILITY INSURANCE

Sexual harassment Discrimination Wrongful termination Breach of employment contract

Negligent evaluation Failure to employ or promote Wrongful discipline Deprivation of career opportunity

WHAT IS AN EMPLOYEE ASSISTANCE PROGRAM (EAP)?The EAP is a free and confidential assistance program that provides supportive counseling, information and resources for employees and their families.

WHY OFFER THIS SERVICE?Studies have shown that by helping employees to address their personal troubles, companies are able to reduce problems such as absenteeism, extra costs, lost wages and decreased productivity. It’s a win-win situation for everyone!

WHO PROVIDES THIS SERVICE?The EAP is administered by Employee Resource Systems (ERS), a Chicago-based company with a national network of counselors available to provide in-person or telephone support.

WHO CAN USE THIS SERVICE?The EAP is available to all employees and their immediate family members, including a spouse (or significant other),children and older adult parents.

IS THE EMPLOYEE ASSISTANCE PROGRAM CONFIDENTIAL?Yes, this service is confidential. Everyone at the EAP is legally and ethically bound to maintain the confidentiality of all of itsclients. Exceptions exist for any threat-to-safety situations such as child abuse.

THE EAP TYPICALLY DEALS WITH CHALLENGES SUCH AS:Family conflictMarital or relationship issuesStress

HOW MUCH DOES IT COST?There are no charges for use of the EAP. Employees and their families are eligible to receive up to three free in-personCounseling sessions per problem or issue. Some issues can be resolved within these three sessions; however, referrals will be provided for long-term counseling or treatment through your insurance benefits.

EMPLOYEE ASSISTANCE PROGRAM (EAP)

Wrongful infliction of emotional distress Mismanagement of employee benefit plans


DepressionAnger managementGrief & loss issues

STRATEGIC ALLYElements is your strategic ally in more than just human resources, payroll and benefits. The Elements 401(k) plan is a key element to you and your employees’ financial future. The 401(k) is no longer an optional benefit. It is as much expected as health insurance was ten years ago. That’s why there is a large influx of new participants to 401(k) retirement plans. The hurdle for most businesses is to put together a 401(k) plan that is up-to-date, easy to use and cost-effective. Elements overcomes these hurdles for you with our plan design, investment performance and service.

INVESTMENT PLATFORMThe line-up of mutual funds that comprise the investment platform are highly rated funds. They have been carefully selected by Elements Investment Committee for rating, expenses and stability of the fund. The overall platform utilizes funds with varied investment styles such as value, blend and growth.

PRE-ALLOCATED PORTFOLIOSEmployees who are not familiar with investing and assessing risk can select an asset-allocated portfolio that matches their risk tolerance and investment strategy. Slavic Mutual Funds Management Corporation (the investment advisor) offers three distinct portfolios for aggressive, moderate and conservative investors. The portfolios are rebalanced once per year to maintain targeted risk levels.

MULTIPLE EMPLOYER PLANThe Multiple Employer Plan captures one of the best features of an employee leasing company — its size. By co-adopting Elements master plan, you become part of a plan with conceivably thousands of participants and millions of dollars in plan assets. An important element of the plan design is that the individual company does not need to adopt its own plan document or be solely responsible for the fiduciary compliance of the plan. Each company that co-adopts the master plan is individually tested for compliance with IRS and DOL guidelines. For retirement plan purposes, the work-site company is the common-law employer.

401(K) AND RETIREMENT PLANS


COMPANY A COMPANY B COMPANY C

ELEMENTS GROUP PLAN

ADOPTS OR SUBSCRIBES TO MASTER PLAN

INDIVIDUAL PARTICIPANTS IN COMPANY PLANS

LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE

WHAT’S THE DIFFERENCE BETWEEN DISABILITY INSURANCE AND WORKERS’ COMPENSATION INSURANCE?Disability insurance only covers non-work related accidents, whereas Worker’s compensation is only for work related incidents.

SHORT TERM DISABILITY COVERAGEEveryday illnesses or injuries can interfere with employees ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short term disability coverage can pay up to 60% of their income, so employees can focus on getting better, and worry less about keeping up with their bills.

LONG TERM DISABILITY COVERAGESerious illnesses or accidents can come out of nowhere. Employees can interrupt their life, and their ability to work for months – even years. Long term disability can pay up to 60% of employees income, so employees have financial support to manage their disability and their household.

ElementsGroup.com

EMPLOYEE LIFE BENEFIT AMOUNT$25,000 $50,000 $75,000

EMPLOYEE LIFE NON-MEDICAL MAXIMUMThe Employee Life non-medical maximum is equal to the overall maximum.

EMPLOYEE LIFE BENEFIT REDUCTION FORMULALife Benefit Reduces to:65% at age 70; and 50% at age 75

EMPLOYEE AD&D BENEFIT AMOUNT$25,000 $50,000 $75,000

EMPLOYEE AD&D BENEFIT REDUCTION FORMULALife Benefit Reduces to:65% at age 70; and 50% at age 75

LIFE INSURANCE

AD&D INSURANCE

BENEFITS SUMMARY$25,000 $50,000 $75,000 LIFE BENEFIT

THE TOP SIX REASONS OUR CUSTOMERS USE THIS BENEFIT: 1. Normal pregnancy (19%)2. Injuries (11%)3. Complications from pregnancy (8%)4. Digestive disorders (8%)5. Back disorders (7%)6. Cancer (7%)

DID YOU KNOW?


LONG TERM DISABILITY INCOME PROTECTION INSURANCE

ElementsGroup.com

BENEFITS SUMMARY

UNUM’S GROUP LONG TERM DISABILITY INCOME PROTECTION OFFERING IS DESIGNED TO HELP THE EMPLOYER:Provide sound financial protection in the event of a disabilityIncrease productivity and performanceMeet diverse employee needs at every life stageAttract and retain skilled employees

MONTHLY BENEFIT60% of monthly earnings to a maximum benefit of $5,000 per month.

DEFINITION OF DISABILITY2 Year Regular OccupationZero-Day ResidualAccelerated Elimination PeriodWork Incentive Benefit during the first 12 months

of disability payments

ELIMINATION PERIOD180 Days30 Day Accumulation Feature

BENEFIT DURATION 2 Year ADEASOCIAL SECURITY INTEGRATION Primary and family

STANDARD PLAN FEATURES INCLUDED IN BENEFITSWork-life balance employee assistance programWorldwide emergency travel assistance servicesRehabilitation and Return to Work Assistance ProgramDependent Care BenefitGuaranteed InsurabilityFull Maternity Benefits3 Month Lump-Sum Accelerated Survivor BenefitIndexed Pre-Disability Earnings“Freeze” in Cost of Living Increases from

Deductible Sources of IncomeWaiver of Premium for employees receiving LTD payments12 Month Rehire ProvisionComparative Reporting and AnalysisMinimum Monthly Benefit - greater of $100 or

10% of the gross disability payment

GENERAL INFORMATION REGARDING BENEFIT TAXABILITY AND INTEGRATION:

IN GENERAL, THE LTD MONTHLY PAYMENT WILL BE TAXABLE:If the Employer pays the premiums and employees’ salaries

are not grossed-up to include premiums as taxable income.If the Employees pay premiums with pre-tax dollars.If Employees share payments of premiums with the employer,

a portion of the benefits will be taxed.

IN GENERAL, THE LTD MONTHLY PAYMENT WILL NOT BE TAXABLEIf Employees pay premiums with post-tax dollars.If the Employer pays the premiums and employees’ salaries

are grossed-up to include premiums as taxable income.

The LTD monthly payment may be reduced by amounts the employee receives or is entitled to receive from deductible sources of income (offsets) and disability earnings.

COVERAGE EXCLUSIONS AND LIMITATIONS

LIMITATIONS24 months Mental Illness Limitation

EXCLUSIONS3/12 Pre-Existing Condition*Intentionally self-inflicted injuriesActive participation in a riotLoss of Professional License, Occupational

License or CertificationCommission of a crime for which the employee

has been convictedWar, declared or undeclared, or any act of warIncarceration

* A “PRE-EXISTING CONDITION” MEANS THE INSURED EMPLOYEEReceived medical treatment, consultation, care or services

including diagnostic measures or took prescribed drugs or medicines in the 3 months just prior to his/her effective date of coverage; and the disability begins in the first 12 months after the employee’s effective date of coverage.


ElementsGroup.com

SHORT TERM DISABILITY INCOME PROTECTION INSURANCE

PLAN DESCRIPTION

WEEKLY BENEFIT50% of weekly earnings to a maximum benefit of $1,000 per week

DEFINITION OF DISABILITYResidual Disability

ELIMINATION PERIOD INJURY 30 days SICKNESS 30 days

BENEFIT DURATION 22 weeks

STANDARD PLAN FEATURES INCLUDED IN BENEFITRehabilitation and Return to Work Assistance ProgramGuaranteed InsurabilityFull Maternity BenefitsMinimum Weekly Benefit of $2512 Month Rehire ProvisionComparative Reporting and Analysis

GENERAL INFORMATION REGARDING BENEFIT TAXABILITY AND INTEGRATION

IN GENERAL, THE STD WEEKLY PAYMENT WILL BE TAXABLEIf the Employer pays the premiums and employees’ salaries

are not grossed-up to include premiums as taxable income.If the Employees pay premiums with pre-tax dollars.If Employees share payments of premiums with the

employer, a portion of the benefits will be taxed.

For taxable STD payments, Unum will provide periodic information to enable the Employer to deposit the Employer’s FICA match, administer all FUTA/SUTA obligations, and to elect who prepares all W-2s and associated W-2Cs. If the Employer would like to streamline its IRS tax payment and reporting obligations, contact a Unum representative to learn about our FICA Match service.

IN GENERAL, THE STD WEEKLY PAYMENT WILL NOT BE TAXABLEIf Employees pay premiums with post-tax dollars.If the Employer pays the premiums and employees’ salaries

are grossed-up to include premiums as taxable income.

For nontaxable STD payments, Unum will provide periodic information to enable the Employer to elect who prepares all W-2s and associated W-2Cs.

The STD weekly payment may be reduced by amounts the employee receives or is entitled to receive from deductible sources of income (offsets) and disability earnings.

COVERAGE EXCLUSIONS

OCCUPATIONAL SICKNESS OR INJURYIntentionally Self-Inflicted InjuriesActive Participation in a RiotLoss of Professional License, Occupational

License or CertificationCommission of a Crime for which the

employee has been convictedIncarcerationWar, declared or undeclared, or any act of war


Q: Does the broker have a minimum book of business they must submit?

A: No, Brokers are not required to submit a set minimum of business to continue to work with Elements

Q: How are commission earned?A: Commission are paid by the following: On a percentage of GAP On a percentage of Admin Set Up Fees

Q: When are commission paid?A: Commissions are paid the following Friday of the 15th the following month after the payroll is run

Q: How long are commission paid on an account?A: Compensation of Broker: PEO Broker that sells under this PEO Broker National Account arrangement will receive the appropriate commission as agreed above for the first year of the sale.

BROKER

Q&A

OUR PROGRAMS OFFER Simplified Quoting 48-72 business

hour turnaround time

GTD Approved Rates

Extended Class Codes Appetite

Pay As You Workers Compensation Insurance

A Rated A.M Best Insurance Carrier

Broker Incentive Programs

Nationwide Program

PEO/ASO BROKER INQUIRES800.827.4660 OR [email protected]

PROSPECT/CLIENT: _______________________________________________________________________________________________________BROKERAGE FIRM NAME: __________________________________________________________________________________________________ESTIMATED GROSS ANNUAL PAYROLL: _______________________________________________________________________________________ COMMISSION

______________% OF GROSS ANNUAL PAYROLL ______________% OF BILLED ADMINISTRATIVE FEE ______________% OF BILLED HEALTH CARE PREMIUMS $_____________ OF SET UP FEE

Non-Solicitation: Broker agrees that during the term of this Agreement and for a period of two (2) years from the date of termination of this Agreement, it

will not, either directly or indirectly, on its own behalf, or on behalf of any person, entity, partnership, or business association, solicit or attempt to solicit

any business from any client of Elements or any prospective client of Elements, with whom Broker had material contact during the term of this Agreement

for the purpose of providing products or services that are competitive with those provided by Elements. Compensation of Broker: PEO Broker that sells under this PEO Broker National Account arrangement will receive the appropriate commission as agreed

above for the first year of the sale. The commission will tier down 25% of the appropriate category for years 2,3 and thereafter based on the appropriate

category checked above. Elements reserves the right to amend or change the commission and broker program without notice depending on the profitability

of the account. Set up fees are not commissionable after initial term of agreement of new account. BROKER

NAME: __________________________________________________________________________ DATE: ____________________________SIGNATURE: _____________________________________________________________________________________________________________ ELEMENTS INTERNAL USE ONLY

NAME: __________________________________________________________________________ DATE: ____________________________SIGNATURE: _____________________________________________________________________________________________________________

_______________________________________________CLIENT ID NUMBER _______________________________________________SALES REPRESENTATIVE

BROKER COMPENSATION

[email protected] ElementsPEO.com

YOUR BROKER PROGRAM SPECIALISTBroker Program Specialists play a vital role in helping Elements identify and secure new clients. An inside sales position, a Broker Program Specialist builds relationships with brokers from professional employer organizations (PEOs) nationwide. A Broker Program Specialist provides fee quotes and closings for requests for proposals (RFPs) sent by PEO brokers. Elements can produce PEO and ASO proposals nationwide to help provide PEO/ASO solutions for our Brokers book of business.

While its main focus is relationship development and sales with referral brokers, the Broker Program Specialist position offers some direct sales opportunities through networking events and trade shows. The Broker Program Specialist also is your main point of contact for any customer service inquires for PEO brokers.

Elements PEO | Broker Program

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