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L O C K T O N C O M P A N I E S
Lockton® Employee Benefits
April 2015
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EMPLOYEE BENEFITS. RISK MANAGEMENT. DONE DIFFERENTLY.
ENTREPRENEURIAL CULTURE
WE LIVE SERVICE! ®
PRIVATE OWNERSHIPYour needs are Lockton’s first priority. Because our Associates are not distracted by the demands of outside investors and short-term earnings expectations, we have the freedom to do what’s right for our three stakeholders: our clients, our Associates, and our community.
You will get fast answers and timely solutions because our Associates are empowered to make those decisions. Your client management team does not have to wait for the “bureaucracy” to give permission to solve your problem.
Lockton challenges our clients to think differently. Clients value our approach and our passion for client service that is directly responsible for our 96 percent client retention rate.
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C O M P A N I E S
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OVERVIEW
BY THE NUMBERS
HEALTH AND WELFARE CONSULTING SERVICES AVAILABLE TO YOU
Actuarial Services Human Resources ConsultingCompensation Consulting InfoLock® Employee BenefitsCompliance Services Lockton Health Risk Solutions®
Employee Benefits Mergers and AcquisitionsExchange Solutions Pharmacy AnalyticsExecutive Benefits Retirement ServicesGlobal Benefits Business ProcessHealth and Welfare Consulting Technology and OutsourcingHealth Reform Advisory Practice Voluntary Benefits
LOCKTON
At Lockton, WE LIVE SERVICE!® is more than a catchphrase—it is simply the way we do business. Today, more than ever, that philosophy helps clients in diverse industries grow, acquire, expand, and face new challenges all over the world.
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LOCKTON ANNUAL VOLUMEBY CARRIER
715ASSOCIATES
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EMPLOYEE BENEFITS PERFORMANCE INDICATORS
FASTEST-GROWING BENEF ITS CONSULTANTAnnual Revenue
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LOCKTON COMPLIANCE/HEALTH REFORM ADVISORY PRACTICE
KEEPING YOU COMPLIANT
WHO WE ARE.Attorneys with 90+ years of combined experienceCompliance advisorsWellness plannersCompensation specialistsNumber crunchersTechnology experts
WHAT WE KNOW.ACA, ERISA, COBRA, HIPAA, etc.Internal Revenue codeHealth reformState insurance lawsPublic Health Service ActCorporate wellness program compliance
WHAT WE DO.Interpret legislative guidanceHelp you prepare for cost impactsEnsure that your company is compliantIntegrate the response to health reform with overall compensation and benefits strategies
Keeping you as our central focus, we deliver precisely what you need to mitigate these challenges and make your business better.
Our integrated approach pulls together specialists from Compliance, Actuarial, Communications, Compensation, Lockton Health Risk Solutions®, and HR Technology Solutions. This collaboration helps you address the reform law’s real and potential impact to your benefit programs and plan for required, or otherwise appropriate, changes.
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Employee education is key to an employee’s satisfaction with the benefits he or she is offered. Lockton helps employers brand their benefits message.
EMPLOYEE COMMUNICATIONS
Annual benefit statements Online employee benefit
communications Employee election materials Enrollment/new-hire materials Health and wellness education Topical education pieces
Zmags Webinars Brainshark presentations On-site meetings Smartphone apps GuideSpark
ANNUAL ENROLLMENT GUIDESHEALTH REFORM COMMUNICATIONS TOOLKIT
Lockton will develop and produce customized, branded employee communication materials, including:
Health reform is complicated. Communicating it is easier with the Health Reform Employee Toolkit, including posters and postcards, memos to employees, and presentations customized to <PROSPECT>’s needs.
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LOCKTON HEALTH RISK SOLUTIONS ®
LOCKTON’S VIEWHealth reform will continue to increase the medical-cost trend above current projections.
Lockton Health Risk Solutions® creates a strategy that must have buy-in from individuals at all levels, including leadership.
Employers understand they have cost-management opportunities and are receptive to using economical motivators.
Effective data integration from claims, health risk assessments, and biometric health screenings delivers timely solutions and reduces risk.
The Lockton Health Risk Solutions® (HRS) consultants assess your health risk solutions activity and ongoing employee-engagement activities. Lockton consultants will then outline a strategy that aligns with your business goals and vision.Ongoing measurement criteria and progress reviews are used to monitor achievement, and Lockton will adjust activities to sustain employee engagement, reduce risk, and mitigate trend increase, as needed.
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WELLNESS PROGRAM CONSIDERATIONS Best practice recommendations HRAs and biometric screenings Clinical review and recommendations Trend-analysis plan designs Premium contributions tied to participation and outcomes Leadership, culture, and readiness assessments Wellness vendors—Wellness Research Institute member,
preferred pricing, and formal RFP process Program assessment and performance metrics Transparency On-site clinics and fitness center Communication planning and tools
MEDICAL DIRECTORSMore than 50 years’ combined physician experience
Background as Medical Director for insurance carriers
Clinical evaluation of claims data
Managed care analysis and network evaluations
Quality improvement evaluation
LOCKTON HEALTH RISK SOLUTIONS® CONSULTANTSLockton Health Risk Solutions® resource development
Vendor selection and oversight
Strategic planning
Best practices and process improvement
ANALYSTSActuarial (Benefits Analytics Team)
InfoLock® Employee Benefits
Pharmacy Analytics
Compliance/Health Reform
L O C K T O N C O M P A N I E S
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GLOBAL BENEFITS
Our Services Design, placement, ongoing service, and account management for cross-
border benefits for expatriates, third-country nationals, and international business travelers
Coordination with and oversight of local brokerage activities to design, place, and manage local plans in countries outside the US
Global benefits management to manage brokerage activities globally in conjunction with local brokers and consultants
Consulting services for multinational companies: governance strategies, multinational pooling and risk financing, compliance, benchmarking, and wellness
GLOBAL BENEFITS MANAGEMENT TOOLS
L O C K T O N C O M P A N I E S
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LOCKTON HR TECHNOLOGY & OUTSOURCING PRACTICE
STRATEGIC PROCESS
AREAS OF EXPERTISE
HUMAN RESOURCES Applicant tracking Talent management HRIS Employee/manager
self-service
PAYROLL Time and
attendance Payroll solutions Tax filing
BENEFITS COBRA, HIPAA, FSA 401(k)
administration Benefits eligibility Benefits enrollment
The Lockton HR Technology and Outsourcing Practice helps you research, purchase, implement, and manage HR technologies that directly impact and serve your employees.
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American Cancer Society
American Diabetes Association
Boys & Girls Club
Children’s Bureau
The Children’s Place
City Team Ministries
Cystic Fibrosis Foundation
Goodwill
Habitat for Humanity
Harvesters Community Food Network
The Help Group
The Humane Society
Lloyd’s Community
Programme
Insurance Industry Charitable Foundation
Junior Achievement
FOCUSED ON MAKING OUR COMMUNITIES BETTER
ORGANIZATIONS WE HAVE BEEN HONORED TO SERVE:
Supporting our communities is more than just a necessity—it’s a privilege. For more than 45 years, Lockton Associates have given back to their local communities, not because we have to, but because we want to. We believe this commitment to social responsibility builds stronger families, better professional relationships, and more committed Associates. In the past year, Lockton contributed more than $4 million in sponsorships and charitable support to numerous organizations around the world. Lockton Associates have added even more support, raising funds and giving countless personal hours for community projects.
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Our MissionTo be the worldwide value and service leader in
insurance brokerage, employee benefits, and risk management
Our GoalTo be the best place to do business and to work
www.lockton.com
© 2015 Lockton, Inc. All rights reserved.
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