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WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC. where knowledge, creativity and service add more to your benefits



G E T M O R E F O R YO U R B E N E F I T S



WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.

Thank you for the opportunity to discuss your health insurance and employee benefits needs. Inside we provide you with a better idea of who we are and exactly how we can be a valuable service to you and your organization.

William J. King & Associates Located in Carlsbad, William J. King & Associates has served local businesses with their insurance and employee benefit needs since 1972. Our success over the past several decades has made us the largest employee benefits firm in North County San Diego. At William J. King & Associates, excellent customer service is a philosophy, as well as a challenge, and our only way of doing business. We have never lost sight of the fact that our client is a person, not a number. You can expect courteous and considerate attention by our friendly staff. This is the only old fashioned attitude you will find in our company, but it is one we promise to keep.

Commitment is King {Knowledge-Creativity-Service} We pride ourselves on our extensive industry knowledge and creative problem solving solutions. Our goal is to customize an employee benefit package that fits your needs best and then provide an unprecedented level of personal service.

KingElements Our clients receive access to a personalized Web site called KingElements, which is designed to offer timesaving tools and resources that build convenience into managing your everyday work tasks. Whether you want to collaborate with our agency online, have quick access to benefit summaries and enrollment forms, or connect with other peers in your industry, KingElements does it all. It is easily accessible, hardworking, and just one of the many value-added services available to you when you partner with William J. King & Associates.

HR Connection HRconnection® is an employee-benefit management software application that provides you and your employees, 24/7 access to company and benefits information in one secure location. ü HRconnection allows employees the ability to make benefit elections online easily ü Offers detailed benefits and rate pages tailored to your plans ü Communicates announcements, career and training opportunities ü Tracks employee vacations and holidays ü Saves the HR manager time and money

We would love the opportunity to provide you with a complete analysis of your benefits program to determine whether your current strategies effectively meet your overall objectives. Even if you are happy with your current situation, we would still like to show you the extra services we provide that set us apart from the competition and make us the best in the business. Please contact us with any questions or to discuss your insurance needs. We're here to help in any way that we can. You can call us at (760) 438-8850 or email Assistance@kingbenefits.com. Best in health, King Benefits Team

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WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.


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K I N G E L E M E N T S



Welcome to KingElements! Your New Portal At-A-Glance With both time and resources at a precious premium, it's become increasingly difficult to do your job, let alone manage insurance costs and stay informed on legislative developments. William J. King & Associates Insurance Services, Inc.'s revolutionary new online tool acts as a springboard from which you can better gather and organize information and data and solve the everyday problems that hamper your ability to work more efficiently and effectively.

Insurance & HR Community l

Fast Answers

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Compliance

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Document Library

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Health & Wellness Community

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Analysis

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Online Services

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HR Trends

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Keeping You Ahead of the Curve. Your Information Partner Understanding the complexity of employee benefit plans is a challenge, even for the most experienced benefits manager. Employers need to remain upto-date on constantly changing trends, laws and regulations. We have the solutions to help you tackle and understand the most complex benefit topics.

Our Tools for Your Success Bulletins Our quarterly newsletter covers current benefits topics in depth. What's the Buzz? Each month, enjoy a one-page easy-to-read newsletter that is focused on hot benefit and HR topics. Education Information Need more information? Stop looking. Our informative articles cover hot benefits topics, such as

Consumer-Directed Health Care (CDHC) and benefit cost trends with our educational articles. Handbook and Policies No need to worry about communicating your company policies and procedures to employees; we have a completed employee handbook and individual employment policies to get you started. Don't be left in the dark; let our tools provide you all the information that you need to be an in-the-know employer.

Stay Virtually Connected

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We deliver documents on command, all from the convenience of your unique Web-based client portal. These tools allow you to access and share valuable resources, including educational materials, HR policies and employer-facing newsletters.


Your Employee Communication Partner

It is without question that your employees need to understand their benefits in order to be wise consumers. We have the resources to help you tackle all your communication challenges and educate your employees on their benefit options so they can make wise choices.

Our Tools for Your Success Benefits Announcements We have memos, flyers, payroll stuffers and articles for you to use to annouce and explain current benefit offerings. Benefits Statements Help employees understand their “hidden paycheck” with custom benefits statements.

need to do so – flyers, articles, payroll stuffers, e-mails and posters. Monthly Newsletters Keep your employee body healthy, well and safe with our monthly Live Well, Work Well newsletter. Flyers are also available for targeting specific health conditions. Retirement Education Ensure that your employees are financially fit and ready for retirement with our Savings Fitness flyers.

Consumer-Directed Health Care (CDHC) Resources Empower your employees to be the directors of their health and medical care. We have everything you

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Your Human Resources Partner

Our agency is dedicated to helping you create and maintain a positive work environment by offering solutions for your organization's Human Resources challenges.

Our Tools for Your Success We have the resources and tools to help you manage all your HR duties, headaches and responsibilities with ease. Legislative Briefs and Legislative Guides You have access to a Client Portal where you will find answers to your common COBRA, FMLA and HIPAA compliance questions. Employee Handbooks and Policies No need to worry about communicating your company policies and procedures to employees; we have

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a completed employee handbook and individual employment policies to get you started. HR Education and Forms Our easy-to-read articles can help you understand often confusing and sensitive HR issues, such as sexual harassment, substance abuse prevention and hiring and firing practices. We'll further assist you with our library of HR forms that will streamline your day-today HR duties. Community We'll give you access to a community of other HR professionals where you can discuss common HR headaches and find solutions.


Your Health Care Reform Partner

There are countless rules and regulations governing the health care reform legislation, many of which are quite complex. Our expert team will help meet your compliance obligations because we stay up-to-date on the reform regulations that affect your employee benefit program. With provisions taking effect from now until 2018, we will be your health care reform source every step of the way.

Our Tools for Your Success Legislative Briefs We have easy-to-read articles designed to summarize health care reform legislative information and provisions. Legislative Guides Gain access to a client portal where you will find answers to commonly asked health care reform questions. You will also find the forms you need to meet your everyday compliance needs.

Employee Communications As provisions take effect and regulations change, explaining health care reform to employees is a necessity today. We have the documents that will help employees understand how reform affects them and their families. Community Support Got a reform-related question? Join a community of some of your knowledgeable colleagues from all over the country. Post your questions and share resources and information via the community's interactive forum.

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Your Compliance Partner

There are countless rules and regulations governing employee benefit plans; many of which are quite complex. Our expert team will help meet your compliance obligations because we stay up-to-date on laws and regulations that affect your employee benefit program.

Our Tools for Your Success Legislative Briefs We have easy-to-read articles designed to summarize recent federal legislative developments in insurance and employee benefits. Legislative Guides Gain access to a Client Portal where you will find answers to your common COBRA, FMLA, HIPAA, HIPAA Privacy, Medicare Part D and Section 125

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questions. You will also find the forms that you need to meet your everyday compliance needs. Community Support Got a compliance-related question? Join a community of some of your knowledgeable colleagues from all over the country. Post your questions and share resources and information via the community's interactive forum.


Your Workplace Wellness Partner Control Rising Costs. Increase Productivity and Morale. Our agency can deliver resources that you need to effectively create a healthy and happy employee culture. Our tools will help you create and administer a wellness program at your organization with minimal investment of time and money.

Our Tools for Your Success Our agency can help you create a wellness program that will help you control rising healthcare costs, increase employee productivity and increase employee morale.

Customized to fit your needs Whether it's a simple monthly wellness newsletter or a comprehensive plan, we'll help you develop a program that fits your needs. Data Analysis We have tools to help you gather claims data, conduct a needs-and-interest survey, and audit your current wellness culture, all to help pinpoint your employee group health needs. The Seven Cs Whether it's a simple wellness newsletter or a comprehensive plan, we will help you develop a wellness

program that suits your needs and guides you through your efforts. Our article will advise you on how to: l

Capture senior-level support Choose health initiatives

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Create a wellness team Create supportive environment

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Collect data Consistently evaluate outcomes

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Craft an operating plan

Custom Communication to Your Employees Speak to your employees through educational materials that meet your wellness needs. We have documents that will help them understand their health issues and make wise decisions to benefit their lives now and in the future. These include posters, payroll stuffers, communications flyers and e-mails.

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Your Enrollment Services Partner

Our agency can deliver the resources you need to effectively communicate with your employees about benefit enrollment. Our tools will help inform employees about the benefits you offer and guide them toward making the best decision for their lifestyle.

Our Tools for Your Success Enrollment Education for Employers With help from our checklists and informative articles such as “Maximizing Open Enrollment for Your Employees,” provide your staff with all the tools they need to succeed during open enrollment this year. Enrollment Tools for Employers From benefit summaries to presentations to announcements, let our enrollment tools help you inform your employees and keep them up-to-date on enrollment information.

Employee Communications Our Know Your Employee Benefits series, along with benefit announcements, payroll stuffers and posters, provide your employees the information they need to make informed benefit selection decisions. HRconnection 5.0 Use HRconnection® 5.0 as your employees' onestop-shop for human resources-related communications and online enrollment. With bundles of everything employees want to know about their benefit plans in one secure location, HRconnection is a highly valued enrollment service.

Stay Virtually Connected

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We deliver documents on command, all from the convenience of your unique Web-based client portal. These tools allow you to access and share valuable resources, including compliance information, surveys and employee benefits resources.


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Welcome to HR Connection

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HRconnection 5.0

CUSTOM PORTAL DESIGN CAPABILITES Unsurpassed custom design options include the ability to: ü

Select from three portal design layouts

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Choose from 12 standard color schemes or easily customize your own

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Control images including company logo, name and stock photos

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Offer different information for different groups of employees

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Create your own sub-menu items such as a job descriptions page, custom messages page, etc.

WELCOME Delivering targeted employee communications is easy with a customizable home page that includes: ü

Home page welcome message and seasonal announcements

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Links to employer-recommended Web resources

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Scheduled employee communication campaigns

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Quick view of upcoming time off and time remaining, personalized to the user

COMPANY INFORMATION Educate and assist employees on companyspecific information including: ü

Employee directory

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Departmental contacts

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Holiday and event listing

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Mission statement and vision

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Company history

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®

HRconnection 5.0

Welcome to Secure,

MY INFORMATION Empower employees to manage personal information including the ability to: ü

Add, review or update personal information

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Manage time-off requests and view a summary by type, such as vacation, personal or sick day

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Update life event changes such as beneficiary, dependent or marital status formation

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Manage and review benefit elections

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View both current and future personal elections throughout the year

HUMAN RESOURCES Helps you eliminate the need for distributing bulky and costly company materials and provide online access to career information to employees including:

BENEFIT PLANS Bundles everything employees want to know about their benefit plans in one secure location. Benefits are listed by type such as medical, dental, vision, etc. Within each plan type, employees can obtain detailed plan information and benefit summary information including the ability to: ü

View plan design information including rates and eligibility

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Access Summary Plan Descriptions

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Compare plan benefits

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Obtain plan forms

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View carrier contact information

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Access Frequently Asked Questions

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Handbooks

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Forms

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Directories

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Policies and procedures

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Career growth, job posting and training information


Convenient Communication. REPORTING OVERVIEW By capturing employee and plan information in HRconnection 5.0, administrators have the ability to create the following standard reports quickly and easily in a variety of formats.

ELECTION REPORTS

EMPLOYEE REPORTS

Benefit Comparison Report - Use this report to compare employee elections at two points in time

Employee Changes - Monitor changes to information

Carrier Extract Report - Extract election information for submission to carriers Census Report - Create an employee census for any line of coverage Election Changes Report - Extract employee, dependent and plan information for employees whose elections changed due to life events, open enrollment or terminations

Employee Username - Useful for distributing portal login information Employee Vacation Requests - Extract request details Employee Vacation Totals - Create a new upload for a subsequent time period

Elections Summary - Create an election summary for an individual or all employees (available to employees in the benefit plans section of the portal) Flexible Spending Report - Extract annual and per pay period FSA contributions by employee Payroll Extract Report - Pull payroll information Personal Instruction Sheet - Generate a personal instruction sheet for employees to use during open enrollment and for employees who do not have access to the internet to make their elections Plan Design Report - Provides detailed information, including rates and benefits, on any of the plan offerings Premium Report - Reconcile a carrier's monthly billing Projected 401(k) Premium Report - Show projected employee 401(k) contributions

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HRconnection 5.0

ADMINISTRATION From portal setup to uploading custom content to reporting, HRconnection 5.0 offers administrators the ability to: ü

Select portal's look, feel and functionality with a full range of customization options

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Upload employee data including dependent information, addresses, phone numbers, emergency contacts, job titles and custom fields from a spreadsheet

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Add, edit or delete benefit plan data

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Administer life events including opening up enrollment periods for life event changes or for new hires, creating a mass life event for new hires and sending benefit election reminders

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Manage all aspects of vacation tracking including the ability to do accruals

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Publish portal content according to type such as bulletin board posting, policy, handbook, welcome page message, etc.

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Generate reports and manage data imports

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Update and maintain broker access information

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Access online, self-serve Help for all “How do I...?” questions

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HOW DO WE MEASURE UP? William J. King & Associates Insurance Services, Inc.: Providing Innovative Services for Innovative Companies

Content © 2006-2009 Zywave, Inc. All rights reserved. The information contained herein, including its attachments, contains proprietary and confidential information. Any distribution of these materials to third parties is strictly prohibited. Decision Master® Warehouse and HRconnection® are registered trademarks of Zywave, Inc.

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BROKER OF RECORD LETTER

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