www commoncensus com 800 -552 -7373 Benefits Operating

www. commoncensus. com 800 -552 -7373 Benefits Operating System®

www. commoncensus. com 800 -552 -7373 Background • Inception 1991 by Daniel Freund, CFP, Ch. FC, CLU • 1993; John Alexander Unum CIO becomes partner • 2000; C Corp; 2 dozen angels & State of ME • Today 16 FT; 3 PT EE; profitable • 50% revenue carriers; 50% producers • Approximately 200 products built • Largest worksite portfolio • 2010 best year; sales up 30%

www. commoncensus. com 800 -552 -7373 Common Census Design • Recycle all data • Grow the usefulness of the core database • Use Industry standard components & technology • Leverage the Internet but don’t require it • Connect to other vendors to extend usefulness – Links to Carrier for enrollment and billing – Links to Payroll & HRIS – EDI to cooperating carriers (834, proprietary)

www. commoncensus. com 800 -552 -7373 Our Customers • • • Common Census delivers solutions to enroll, bill and manage employee benefits. Our customers include: Employers Employees and Individuals Insurance Professionals Insurance Carriers Banks and Credit Unions Third Party Administrators

www. commoncensus. com 800 -552 -7373 Proprietary vs. Common Census Feature Proprietary Common Census Enrollers Learn new system Known System Platforms Laptop, web and call center not coordinated All 3 platforms available at once Web Development If any development, users Develop With or Without have separate site Laptop & Call Center Portal Separate someday Common. Benefits. com My. Own. Benefits. com Brokers No cross sales Unlimited cross sales Opportunities Unknown Key Producers Cost & Delivery Unknown Defined Development Time Track record Relatively quickly

www. commoncensus. com 800 -552 -7373 New Business through Renewal • Build Case with HOP portal; CC Coordinates • Enroll with laptop or web or call center • Administration (drop/add) by client – Some brokers assume this role – Worksite and core sales are fully integrated • Remain as paperless as carriers permit • Fully automated renewal (“Silent Renewals”) • Integration with vendors for payroll & HRIS

www. commoncensus. com 800 -552 -7373 Flexible Deployment • • Use laptop or call center or Web or all three for enrollment. Print or email benefit statements and all completed paper forms and export data to carriers Post enrollment, ER and EE may use Internet employee self service (with HR oversight) at www. commonbenefits. com Brokers & HO use Common Census for admin functions; each from a secure portal Significant pricing discounts for “pooling” clients

www. commoncensus. com 800 -552 -7373 Benefits to Home Office • Works well for core and worksite designs • Enrolls on laptops or on Web or from call center • Easy to use for Employer & Broker/Enroller • Requires only a PC with or without Internet Supports Signature Pad, PIN and Voice • Low Cost to design and implement • Designed to handle enrollment and life events • Employees can enroll in 15 languages

www. commoncensus. com 800 -552 -7373 Benefits to Broker / Enroller • Superior cross selling opportunities • Superior closing ratios – Employer insists you see everyone to assure employee data is updated and to verify all benefits were offered. – Voluntary / Worksite Benefits become part of the overall Employee Benefit Package. • Extends and reinforces relationship between the Broker and Human Resources staff ; BRANDED

www. commoncensus. com 800 -552 -7373 Benefits to Employer • Communicates true value of employee benefit package through customized Employee Benefit Statements • Completes enrollment and any other forms • Confirms employee enrollment choices • Confirms all payroll deductions • Creates list bill for any benefit – – – Automatic retroactive adjustments Automates new additions Tracks COBRA events Tracks terminations Vision of collaboration for online billing and Policy Services

www. commoncensus. com 800 -552 -7373 Benefits to Employer • • (continued) Enroll & Administer any Employee Benefit Stores employee data for routine HR needs Creates flexible reports easily exported Connects to the Internet – Employee self administration with HR oversight – Employee self enrollment with HR oversight • 15 language browsing

www. commoncensus. com 800 -552 -7373 Benefits to Employee • Better understanding and appreciation of benefits through personalized Employee Benefit Statement • Unique Paychecker feature displays consequences of benefit elections (from gross to net pay) • Payroll Deduction Statement summarizes all benefit elections • Enrollment Confirmation memorializes decisions • Browsing using Internet lets employee safely and easily communicate with Employer • Portability with My. Own. Benefits. com • 15 languages

www. commoncensus. com 800 -552 -7373

www. commoncensus. com 800 -552 -7373 Savings & Advantages • CC does Development • New & Better Brokers • CC does Support • Flexible & Faster new • Cross Selling • 100% Electronic acquisition • 100% Electronic renewals • Eliminate 99% of paper form expenses product deployment • Relatively simple to introduce • Already proven system • Laptop/Telephonic/Web • CC is an industry standard

www. commoncensus. com 800 -552 -7373 Tech Stuff • Security: redundant, encrypted, all you expect • Cloud: moving to Azure • Hardware: your laptop or ours, with Topaz or without • Browser: Microsoft or Firefox or Chrome • Other: we generally work it out