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How Does Your Broker


                                           Compare to Burnham?










                                                        Benefits Consulting, Development & Cost Management

                                                Strategic plan development & management • Affordable Care Act readiness analysis &
                                                   financial modeling • Renewal evaluation, marketing & negotiations • Cost analysis,
                                                     market study & carrier trend analysis • Comprehensive plan design evaluation •
                                                           Network comparisons and utilization • Benchmarking data research and
                                                                   reports • Targeted consumerism assessment (HSA, FSA, HRA,
                                                                        CDHP, etc.) • Continual account stewardship reporting
                                                                 Underwriting, Analytics and Actuarial Services
                                           $                    In‐house industry underwriters • Actuarial services • Budgeting &
                                                                   contribution modeling • Predictive modeling of plan changes •
                                                                         Self‐funding feasibility analysis • Claims analysis – self
                                                                            funded & fully insured (based on carrier availability)

                                                                  Compliance Services (ACA, State and Federal)

                                                   In‐house attorney and compliance department • ACA compliance & applicability •
                                                             ACA, COBRA, HIPAA, ERISA and State Legislative Updates • Contract
                                                                          review & notice disclosures • Form 5500 preparation


                                                                                                  Communications
                                                                 In‐house communications team • Branded, customized employee
                                                                     communications • Multi-media approach • Open enrollment
                                                                        meetings: face‐to‐face and online • Employee surveys •
                                                                         Total compensation statements • Employee education:
                                                                                      ACA, wellness, financial tips and more
                 @                                                                       Innovation & Technology


                                                                  In‐house or independent review of technology solutions • EDI &
                                                                    systems management and integration • Online HR portal with
                                                                            market ready collateral • Employee benefits portal



                                                                                        Total Health & Well Being

                                                                 In‐house wellness consultant • Total health & productivity needs
                                                                    assessment, planning & execution • Ongoing support, active
                                                                           participation on committee • Health fair and flu shot
                                                                                 support • Health risk assessment promotion


                                                                                             Value Added Services
                                              Dedicated, experienced account teams • Benefits hotline / call center, multilingual staff •
                                                    Retirement plan and executive benefits services • Employee advocacy services for
                                                      eligibility, claims, billing and care resolution • COBRA administration, dependent
                                                       audit analysis • International capabilities • Access to trusts, special programs
                                                          (for certain industries) • Mergers & Acquisitions due diligence & analysis •
                                                                            HR consulting, hotline and unlimited online training
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