OFFER YOUR. The Garvin Group, Ltd.

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1 OFFER YOUR employees MORE. The Garvin Group, Ltd.

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3 Our mission is to provide our clients, and their employees, with the best advice and service possible for the design, implementation, and management of their Employee Benefits Programs. Our goal is to increase benefit levels and decrease costs for each and every employer group and its employees. With over 25 years of experience in administering group benefits, The Garvin Group delivers the unparalleled service and expertise required to meet the challenges of providing benefits programs to your employees. We specialize in the design, pricing, implementation, and administration of health and welfare benefit programs including major medical, self-insured programs, ancillary benefits, voluntary lines, and financial services. The Garvin Group is structured to provide our services to all segments of the benefits marketplace, with our clients ranging in size from small businesses to large groups with as many as 5,000 or more employees. Our clients include public, private, and non-profit organizations. Our extensive knowledge of the benefits marketplace, strong relationships with major insurance providers, access to exclusive products and services, and sharp negotiation skills enable us to produce excellent results for our clients. Our specialized focus on group benefits and our unique experience with a variety of benefit strategies positions us to support our clients in accomplishing their immediate and long-term health program objectives. Thank you for this opportunity to earn your business. We look forward to meeting your challenges and assisting you with the design and implementation of ideal benefits programs for your employees. Offer your employees more with The Garvin Group. Bryan & KEVIN Garvin

4 {services} C l i e n t- f o c u s e d c o s t - e f f e ct i v e The Garvin Group is dedicated to the implementation and management of employee benefit programs through innovative plan design, active financial analysis, aggressive premium negotiation, and ongoing communication and administration services.

5 We offer an extensive range of services to our clients. We will work with you to determine the scope of services delivered based upon your in-house resources and budget. Our services fall within four major areas: EMPLOYEE BENEFITS CONSULTING SERVICES TECHNICAL SERVICES INFORMATION SERVICES ADMINISTRATIVE SERVICES 4 Plan, design and implementation 4 Financial analysis and funding recommendations 4 Creative cost containment programs and strategies including: HSA, HRA, Line Item HRA, FSA, Wellness, Prescription Benefit Management 4 Benefit plan administration 4 Employee contribution strategy 4 Communications to employees 4 Collecting, organizing and interpreting financial experience 4 Projecting future program cost 4 Thorough Claims Analysis 4 Analyzing utilization and cost increase trends 4 Evaluating the impact of potential benefit changes 4 Conducting thorough competitive market surveys 4 Negotiating provider/ insurer agreements 4 Monitoring the legislative environment 4 Assistance with federal and state compliance 4 ERISA, HIPAA HITECH, and other compliance services 4 Monitoring the marketplace for the provider and product availability 4 Employee benefit surveys 4 Provider service surveys 4 Administration outsourcing 4 Insurance vendor management and billing centralization 4 Voluntary program centralized billing and enrollment services 4 Section 125 Flexible Spending Account program administration 4 COBRA/HIPAA compliance and billing services 4 Outsourced HR services 4 HRIS System analysis and integration 4 Implementing new benefit programs 4 Auditing administrator performance Creative Strategies The Garvin Group is perennially on the forefront of creative strategic design. We are uniquely positioned to leverage strategies such as HRAs, line item HRAs, additional taxfavorable programs and Rx carve-outs. Our privileged access to vendors like the Difference Card, Choice Strategies and WellNet place us far above the competition. Comprehensive Solutions We will be sure to provide not only complete solutions to fit your business needs, but leverage multiple vendors in each space to find the perfect complement to your organization. We specialize in ERISA and HIPAA compliance, PPACA (Health Care Reform), HRIS systems and Payroll, HR management, PEOs, and much more! Elevated Benefits We offer a full line of ancillary and voluntary products to customize the employee benefits packages, adding up to significant savings for our clients and their employees. Our ancillary and voluntary products include dental, group life, vision, STD, LTD, personal lines, personal planning, specific voluntary policies and more!

6 support for your operations client Garvin Group principals sales team general administration Dedicated account manager subject matter experts Savoy Associates business development team large group consulting hris Products ancillary Products information technology underwriting and finance marketing compliance research and education

7 CARRIER and VENDOR PARTNERS Health Insurance Carriers Ancillary Insurance Carriers Vendors Aetna AmeriHealth Cigna Coventry Health Care of Delaware Easy Choice Health Plan of New York EmblemHealth Empire BlueCross BlueShield HealthAmerica HealthPass Highmark Delaware Horizon BCBSNJ Independence Blue Cross Nippon Life Benefits Starmark UnitedHealthcare UnitedHealthcare/ Oxford Health Plans Aetna American General Life Companies Block Vision Cigna Dearborn National Dominion Dental Empire BlueCross BlueShield Guardian Life Insurance MetLife Oxford Health Plans (OBM) Principal Financial Group Solstice Sun Life Financial Symetra The Standard United Concordia (UCCI) UnitedHealthcare USAble Life Ascentis Choice Strategies Difference Card ERISA Diagnostics Genesys Associates Health Advocate HRConnect Insurance Administrators of America Insurance Benefits Associates MagnaCare Matrix MPower 360 OCA Benefit Services Omni Administrators OptiMed Savoy Associates HSA Program TASC ThinkHR WellNet Wellworks For You

8 about the garvin group Kevin V. Garvin Partner Kevin V. Garvin attended Hamilton College where he participated in various extra curricular activities and was awarded his Bachelor of Arts degree in After graduation, Kevin began working for Northwestern Mutual Life and has been an active insurance producer since In 1990, Kevin founded The Garvin Group Ltd. as a specialized service organization within Northwestern Mutual Life. As they were building their group benefits practice, The Garvin Group, Ltd. concentrated on small to medium-sized corporations seeking creative benefits solutions for their employees. In 1997, they were recruited to join Guardian s Strategies for Wealth Agency where they became the in-house specialists for employee benefits. As a result of their unparalleled focus and expertise, the Garvin Group has also been recognized as a top Guardian agency for 2009, 2010 and Kevin also holds the position of Vice President for the Marty Lyons Foundation, New England Chapter. The organization has granted over 500 wishes for children in the New England area and over 5,000 nationally. Kevin has also served on the Board of Directors for the Mid Fairfield Youth Hockey for 10 years and continues to coach. During his tenure, he has led the organization to two national championships.

9 about the garvin group Bryan J. Garvin Partner Bryan J. Garvin attended Hamilton College where he spent time as an ice hockey player and a student trainer in the college s work/study program. Bryan graduated in 1986 with a Bachelor of Arts degree in Mathematics. In 1987, Bryan joined the First National Bank of Chicago and worked in the lending area of their Insurance Division. In 1990, along with his brother, Kevin, Bryan co-founded The Garvin Group, Ltd. as a specialized service organization within Northwestern Mutual Life. In 1997, The Garvin Group, Ltd. switched affiliations from Northwestern Mutual Life to Guardian s Strategies for Wealth Agency, where they became the in-house specialists for employee benefits. Bryan volunteers as a wish coordinator for the Marty Lyons Foundation which grants wishes to children with life-threatening illnesses. Bryan also assists with coaching hockey and baseball for his son s teams. Bryan resides in Bernardsville, New Jersey where he lives with his wife, Christi, his son, Will, and his daughter Kensi.

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11 SELECT garvin group contacts Executive: Sales: service: Bryan J. Garvin Principal (Fax) Kevin V. Garvin Principal (Fax) Evan Stopol Vice President (Fax) C. Kelly Garvin Sales Associate 800 Westchester Avenue Rye Brook, NY (Fax) Edward C. Schmatz Senior Sales Representative 18 Lillis Lane West Seneca, NY (Cell) (Fax) Tobin Whitman Director of Account Sales (Fax) Brett Pasher Sales Associate (Fax) Soraya Anthony Senior Account Manager (Fax) Mary Douglas Executive Assistant Ext (Fax)

12 The Garvin Group thegarvingroup.com