© Robertson Ryan & A ssoc iates,In c .A llRigh tsReserved

Top 100 US Insurance Agency- Insurance Journal

E M P L O Y E E B E N E F I T S R E N E W A L

PROPOSAL

Mason Classical Academy Inc

Prepared by:

Adri Wutkowski –Vice President

Policy Term 7/1/2020 - 7/1/2021

239.278.1700 | robertsonryan.com

Prepared for: Mason Classical Academy

Your Robertson Ryan Service Team

Adri Wutkowski

Vice President

Phone: (239) 278-1700

Email: awutkowski@robertsonryan.com

Kristy Maxwell

Benefits Account Representative

Phone: (239) 278-1700

Email: kmaxwell@robertsonryan.com

Terri Porrino

Commercial Account Representative

Phone: (239) 278-1700

Email: tporrino@robertsonryan.com

Business I Personal I Benefits I Bonds

www.RobertsonRyan.com

Top 100 US Insurance Agency

• Local expertise with national recognition for business, personal and benefits insurance • 130+ insurance carrier relationships bringing the markets best price, coverage and service to our clients

• Counsel and assist more than 40,000 clients with $400+ million in premium

• Unique organizational structure in that each agent is an Agent Owner making client service and satisfaction a top priority

Our approach at Robertson Ryan & Associates goes beyond writing insurance policies. We provide a comprehensive program for insuring your greatest assets and work with you as a partner.

RRA offers resources for risk analysis, OSHA compliance, human resources consulting, claims management, loss prevention, ACA compliance and more. Services are tailored to meet your unique life, industry and organizational needs.

Full-service insurance solutions for:

Memphis, TN Mequon, WIMilwaukee, WI* Minneapolis, MNMonroe, WIMt Pleasant, WINaperville, ILNiagara Falls, NYOak Brook, ILPhoenix, AZScottsdale, AZShawano, WISheboygan, WIStevens Point, WI

EXPERTISE ABOUT US

ACCOLADES

130+ Agent Ownersare your Partners

325+ Team Membersserving the entire US & beyond

Founded in1960

th

Largest Independent Insurance Agency-Milwaukee Business Journal 2018

11Largest WI Employee Benefits Firm

-Insurance Journal

58thTop US P&C Insurance Agency

-Insurance Journal

74th Largest Broker of US Business

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*Corporate HDQRS

Auto Dealerships & Auto RepairFull-service insurance solutions for:

Strong, Independent Insurance Agency Providing Insurance Solutions.

Brookfield, WIBuffalo Grove, ILBurlington, WI Byron, MNChicago, ILFort Myers, FLGreen Bay, WIHartford, WIHartland, WIIndianapolis, INKewaunee, WILa Crosse, WILake Delton, WI Lake Geneva, WI

Prepared for: Mason Classical Academy

Employee Benefits – Medical Renewal History

Small Group vs. Large Group Rating Methodology

Small Group (1-50 employees) is Community Rated solely based on age of enrollees & county businessresides.

Large Group (50+ employees) is subject to medical underwriting, experience rating, & rates based ondemographics. Agents have the ability to negotiate with underwriting (to a point).

Florida Blue Renewal History

Year PlansRate

Change#

EnrolledNotableClaims

RatingMethodology Notes

2014 Small Group Plans Community Rated

2015 Small Group Plans 11.10% 29 Community Rated

2016 Small Group Plans -0.08% 38 Community Rated

2017 Small Group Plans 9.20% 50 $1,395,737 Large Group Rating

2018 Small Group Plans 0.00% 52 $68,836.13 Large Group Rating Original Rate Increase 12.5%

2019 Large Group Plans -5.80% 56 $200,915.13 Large Group Rating

2020 Large Group Plans 0.00% 62 $73,379.09 Large Group Rating Original Rate Increase 7.64%

Notes:

If you look back at the last three years, your rate average was a decrease of 5.8%

If you look back at the last five years, there was average rate increase of only 3.32%

Medical Claims the past 4 years were $1,738,867 (does not include the 2016 due to small group rating)

Above recap does not depict the annual marketing of your medical plan. We shopped your insuranceannually, to which MCA Administration decided the changes were not significant enough to move awayfrom Florida Blue.

37 54 68 37 54 68

2 4 14 2 4 14

BlueOptions 03559 BlueOptions 03900 BlueOptions 05182/83 BlueOptions 03559 BlueOptions 03900 BlueOptions 05182/83

Deductible (Individual) $500 $1,500 $2,500 $500 $1,500 $2,500

Deductible (Family Aggregate) $1,500 N/A $5,000 (Non-Embedded) $1,500 N/A $5,000 (Non-Embedded)

(Individual/Family) $750 / $2,250 $4,500/N/A $5,000/$10,000 $750 / $2,250 $4,500/N/A $5,000/$10,000

80% 50% 90% 80% 50% 90%

60% 50% 60% 60% 50% 60%

$2,500 / $5,000 $6,350 / $20,000 $5,000/$10,000 $2,500 / $5,000 $6,350 / $20,000 $5,000/$10,000

$5,000 / $10,000 $12,700 / $20,000 $6,850 - $10,000 (Embedded)/ $20,000 $5,000 / $10,000 $12,700 / $20,000 $6,850 - $10,000 (Embedded)/ $20,000

$20 Copay $35 Copay DED + COINSURANCE $20 Copay $35 Copay DED + COINSURANCE

$40 Copay $50 Copay DED + COINSURANCE $40 Copay $50 Copay DED + COINSURANCE

DED+ 50% Coinsurance DED+Coinsurance DED+40% Coinsurance DED+ 50% Coinsurance DED+Coinsurance DED+40% Coinsurance

In-Network DED+Coinsurance In-Network DED+Coinsurance In-Network DED+Coinsurance In-Network DED+Coinsurance In-Network DED+Coinsurance In-Network DED+Coinsurance

Option 1/2 - $600 / $1,000 Option 1/1 - $1,500/$2,500 DED + COINSURANCE Option 1/2 - $600 / $1,000 Option 1/1 - $1,500/$2,500 DED + COINSURANCE

DED+Coinsurance DED+Coinsurance DED + COINSURANCE DED+Coinsurance DED+Coinsurance DED + COINSURANCE

Option 1/2 -- Therapies $45 Copay/$60 Copay

Option 1/2 -- All Other Services $200

Copay/$300 Copay

Option 1/2 -- Therapies $45

Copay/$60 Copay Option 1/2 -- All

Other Services $300 Copay/$400

Copay

Therapy and All Other Services - Option

1&2 - DED+Coinsurance

Option 1/2 -- Therapies $45

Copay/$60 Copay Option 1/2 -- All

Other Services $200 Copay/$300

Copay

Option 1/2 -- Therapies $45

Copay/$60 Copay Option 1/2 -- All

Other Services $300 Copay/$400

Copay

Therapy and All Other Services - Option

1&2 - DED+Coinsurance

DED+Coinsurance DED+Coinsurance DED+Coinsurance DED+Coinsurance DED+Coinsurance DED+Coinsurance

$100 Copay DED+Coinsurance DED+Coinsurance $100 Copay DED+Coinsurance DED+Coinsurance

$100 Copay DED+In-Network Coinsurance DED+INN Coinsurance $100 Copay DED+In-Network Coinsurance DED+INN Coinsurance

$0 Copay $0 Copay $0 Copay $0 Copay $0 Copay $0 Copay

$0 Copay $0 Copay $0 Copay $0 Copay $0 Copay $0 Copay

$0 Copay $0 Copay $0 Copay $0 Copay $0 Copay $0 Copay

COINSURANCE COINSURANCE COINSURANCE COINSURANCE COINSURANCE COINSURANCE

$0 $0 In-Network DED $0 $0 In-Network DED

$10 $10 $10 $10 $10 $10

$30 $60 $50 $30 $60 $50

$50 $100 $80 $50 $100 $80

See Medication Guide See Medication Guide See Medication Guide See Medication Guide See Medication Guide See Medication Guide

$25/$75/$125 $25/$150/$250 $25/$125/$200 $25/$75/$125 $25/$150/$250 $25/$125/$200

N/A N/A N/A N/A N/A N/A

ENROLLMENT O3559 O3900 O5182-83 BlueOptions 03559 BlueOptions 03900 BlueOptions 05182/83 BlueOptions 03559 BlueOptions 03900 BlueOptions 05182/83

Single 3 24 22 $566.60 $452.54 $405.16 $566.60 $452.54 $405.16Employee + Spouse 0 0 0 $1,348.51 $1,077.05 $928.19 $1,348.51 $1,077.05 $928.19Employee + Child(ren) 3 1 3 $1,042.54 $832.68 $717.59 $1,042.54 $832.68 $717.59

Employee + Family 1 4 1 $1,767.79 $1,411.94 $1,216.78 $1,767.79 $1,411.94 $1,216.78

Total Participation

$6,595.21 $17,341.40 $12,283.07 $6,595.21 $17,341.40 $12,283.07

0.00% 0.00% 0.00%

This is an overview of benefits ONLY. Please refer to the detailed benefit summaries for more information. In the event of a discrepancy the contract or detailed benefit summary will prevail.

Florida Blue Florida Blue

Renewal RatesCurrent Rates

MASON CLASSICAL ACADEMY INC.

Office Services

Out-of-Network

Benefit OverviewPlan Designs

Calendar Year Deductible (CYD)In-Network

In-Network

Out of Pocket Maximum (In-Network/Out-of-Network)

Out-of-Network

CoinsuranceIn-Network

Individual

Family

Hospital Services

In-Network Family Physician

In-Network Providers

Out-of-Network Providers

Provider Services at Hospital & ERIn and Out of Network

Emergency Room Services

Outpatient Out-of-Network

Outpatient In-Network

Inpatient Out-of-Network

Inpatient In-Network

Preventive Health

Out-of-Network

Adult Wellness In-Network

Adult Wellness Out-of-Network

In-Network

Deductible

Prescription Drug Copays:

Generic

Well Child

Mammograms

Lifetime Maximum

Mail Order Prescriptions (90 Day Supply)

Non-formulary

Self-Administerd Injectables

Brand

62

N/A

$434,636.16

0.00%

$434,636.16Estimated Monthly Premium:Total Estimated Annual Premium :

Total % Increase:% Increase by Plan: N/A

Prepared for: Mason Classical Academy

Captive Concerns:

What is your capital investment for joining the captive? Will your initial capital investment need to beadded to your total cost to stay in the captive?

Are these required contributions refundable or a membership buy in?

How easy is it to exit the captive if you want to go back to a fully insured plan?

Are the captive projections medically underwritten and approved by the captive yet or is this aprojection, as the illustration states?

If the captive’s claim funding pool runs poorly, could the captive members be assessed for additionalcapital in the following years?

Your Maximum Captive Exposure does not include the Collateral Reserve of $18,708 for 2020. For eachyear under Maximum Captive Exposure you need to add the estimated Collateral Reserve.

You must look at your “Maximum Captive Exposure” each year, not the “expected costs” as thepresentation represents. In 2020, it has an estimated max of $468,217, which is a $33,581 increase overyour Florida Blue renewal at $434,636.

Projecting out for 2021, Florida Blue is still financially beneficial with a 10% renewal increase. EstimatedFlorida Blue premium would be $478,050, where your estimated captive maximum next year is$511,992. You would have to have a 17% rate increase with Florida Blue to come close to what your2021 Captive Renewal would be.

Prepared for: Mason Classical Academy

Additional Resources

The following are resources that Mason Classical Academy is taking advantage of with Robertson Ryan at thistime.

ACA Reporting at no additional charge – Approximately $2,500 savings

HR Workplace Services - On call/On Demand HR assistance from professionals

Ease Online – Online Onboarding & Benefit Enrollment for all employees

Zywave – My Portal Access

2020 Webinars

Please see the attached for our additional services, some of which can be added to your suite if you are nottaking advantage of them currently.

For more information visit us at www.RobertsonRyan.com/Webinars

2020 Webinars

2020 Employment Law Update - February 13th, 10 AM (CST)

Employment Practices Liability #WhatsTrending - March 24, 10 AM (CDT)

Sexual Harassment & Discrimination in the Workplace-What Employers Need to Know - April 11, 10 AM (CDT)

Beyond Broken Bones: Mental Health Issues At Work - May 7, 10 AM (CDT)

Tales From the Cyber Insurance Trenches-A Forensic Expert Discussing Real World Cyber Incidents - June 16, 10 AM (CDT)

Employee Handbook Essentials - July 21, 10 AM (CDT)

ACA Reporting - November 5, 10 AM (CST)

Standard HR Consulting Services Are Provided To You Just for Being An Important Client!

Robertson Ryan understands that you have a tremendous amount of work and responsibility when it comes to protecting your business. That’s why we are providing you access to HR Workplace Services (HRWS) – a global HR and Professional Services Firm.

Whether you need help with day-to-day issues or for long-term strategic planning, simply pick up the phone or send an e-mail and work with your own assigned, specific HR Team.

Standard HR Consulting Services include but are not limited to:

Unlimited telephone and e-mail contact with a specific HR Consulting Team assigned to your company

Complimentary Employee Handbook review and “red-line”

Healthcare reform Monthly HR Clinic e-mails on topics affecting businesses

Wage & hour Policy & procedure review

EEO guidance Research and Forms Library

Sexual Harassment Prevention Training and Tracking FMLA guidance

Additional Practice Areas (Available on a wholesale, Fee-For-Service basis):

Additional Consulting (can include On-Site) Employee Handbook Creation or Re-Construction

M&A Business Culture Integration

Training & Development

HIPAANative American Services

HR Outsourcing - Full or Partial

International Business Establishment & Advisory Services - Southeast Asia

ERISA

• Audits (HIPAA, ERISA, Human Resources, etc.)• Compensation Studies• Affirmative Action Plans• Investigations• Job Descriptions• Business Reorganization and Efficiency Optimization• Surveys

• Non-Discrimination Testing• Compliance Packages• Summary Plan Description Wrap Documents• 5500 Preparation• SMM’s• SAR Notices

• Manuals• Training• Privacy and Security Officer Certification

• In-Person, Live-Facilitated or Web-Based• 3500 course customizable catalogue• Over 270 hours of HRCI Credit

• Essential Government Function & Commercial

(800) 258-0277 | www.RobertsonRyan.com

(800) 258-0277 | www.RobertsonRyan.com

Your Designated HRWS Advisory TeamProviding Extensive HR Expertise & Strategy

Mr. Mark Rambo – MSM, PHR

For more than 19 years, Mark has held numerous senior level management positions where he led operational, finance and human resource functions for public and private companies with annual revenues in excess of $500M.

Mark specializes in strategic planning, compliance, and human capital management, bringing a practical approach to problem solving and a unique perspective that provides greater knowledge and understanding to his clients.

Recognized as an HR industry leader, Mark was recently elected as HRCI State Certification Director for the Arizona SHRM State Council, responsible for state-wide professional and training certification efforts; he has served as an Advisory Member on Designing the Age Friendly Workplace, a joint study sponsored by the State of Washington and University of Washington roundtable discussion on FMLA in the Workplace hosted by the US Department of Labor, Wage & Hour Division; and a presenter at the Arizona State SHRM Conference on the new Americans with Disabilities requirements.

Ms. Monica Mavis

Monica Mavis has been in the HR and health and welfare environment for more than 24 years, most recently with a 3700+ location specialty retailer. Her expertise includes public and private sectors, with an emphasis in benefit plan design, compliance, and effective communication.

Monica also holds extensive specialty knowledge of Workers Compensation. She has been Communications Chair for the Worldwide Employee Benefit Network, Arizona Chapter since 2008.

Ms. Sandra Lippert - MBA

Sandy is a Human Resource veteran with over 15 years of experience in various industries including the Federal Government, Hospitality, Retail and Homebuilding. She has had involvement in all areas of HR Management including Employee Relations, Training and Development, and Benefits. In all capacities, Sandy has taken a strategic role - looking at the importance of performance based hiring, proper on-boarding and retention techniques and process improvement opportunities within each organization.

Most recently Sandy has been working with companies to improve the quality and efficiency of their 401(k) plans while decreasing the liability of the Plan Sponsor. She holds a Series 7 and Series 66 license. Sandy completed the Executive MBA program at the W.P. Carey School of Business at ASU in 2003.

Goodbye Paper, Hello Ease

Solve all of your enrollment and onboarding

headaches with one streamlined solution.

Tired of chasing down enrollment forms

and decoding illegible signatures? Wish

that new employees had answers to their

coverage questions?

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you a streamlined enrollment for you and

your employees. With Ease, over 60,000

businesses and more than 1.5 million

employees are enjoying more secure

access to coverage information and

changes, and shorter enrollment times.

Michelle Martinez,

Safeway Electric,

Ease user of 3 years

Our broker trained me on how

to use the system and I was

immediately able to use it.

Save Time With Simplified

Benefits Administration

Digital Enrollment

Ease maps employee information to carrier enrollment forms so no field is left incomplete.

Employees can also e-sign their forms, eliminating paperwork completely.

Broker Supported

Your health insurance broker can set up, manage, and teach you how to use Ease. Have a

question? Your broker is there for you.

Enrollment Progress Dashboard

Email employees about open enrollment and view a snapshot of enrollment progress for each

employee directly in Ease.

Plan Comparison

Employees can compare unique plan details like copays and deductibles in a single view. As

plans are selected, employees see a running total of actual costs per pay period helping them

make better decisions.

Conduct Faster Enrollments

Employees only enter their

information once, are

required to complete all

fields, and can digitally sign

their forms.

Unlock 24/7 Access

Employees can access Ease

via web, mobile, or iOS and

Android mobile app to view

important benefit details

year-round.

Don’t spend time on administrative tasks when you could be doing

more of what you love, like engaging with your employees.

Get more time back

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Start managing

benefits with Ease.

Ask your broker

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131303-LV

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Signing countless forms, researching plan options, and trying to remember your plan details

throughout the year are just some of the pains your employees experience with paper enrollment.

Make Better Decisions

Ease helps your employees

make smarter decisions by

putting copays, coverage,

SBCs, and actual costs at

their fingertips.

© 2018 Zywave, Inc. All rights reserved.

ACA Reporting Using the Toolbox, you can generate Forms 1094/1095 simply by importing your completed workbooks. You can even print your forms and file with the IRS or distribute to your employees—streamlining ACA compliance in three simple steps.

Employee Cost Calculator Get a complete picture of the true cost when hiring new employees. From compensation and benefits to recruiting, training, office equipment and other costs, this easy-to-use calculator accounts for those typical expenses you may not necessarily think about when hiring a new employee.

COBRA Notices Generator Satisfying your COBRA notice obligations does not have to be challenging. In three easy steps, create all six required COBRA notices.

Federal Poster Advisor Whether your company is small or large, the U.S. Department of Labor (DOL) requires you to display a number of different posters in the workplace. Identify the required posters by using the Poster Advisor to generate a list of federal laws administered by the DOL, along with links to download printable posters.

Compliance Notice Builder Produce custom benefits notices for your company, saving hours of time and effort. When laws or corporate circumstances change, simply update the information and generate a new notice instantly. With Compliance Notice Builder, you’ll have the notices you need in minutes, plus distribution guidelines.

FMLA Advisor Understand your rights and responsibilities under the federal Family and Medical Leave Act (FMLA). The FMLA Advisor can assist in understanding notice requirements, valid reasons to leave, which employers are required to provide FMLA leave, which employees are eligible to take FMLA leave and more.

Custom Job Description Builder Job descriptions are such an important tool for your employees, but developing them can be stressful. The Custom Job Description Builder helps you make the most complete job descriptions so your employees can achieve their true potential, which ultimately contributes to the success of your business.

When it comes to meeting all of your compliance and HR needs, we understand the administrative burden businesses like yours

face. To stay ahead of legislative deadlines and access timely information on the latest industry trends, organizations of all sizes face an uphill battle without the proper tools. That’s where the MyWave® Portal Toolbox can help. This resource helps you ful fill

your unique HR and compliance duties. With the applications found in the Toolbox, you can generate total compensation

statements in minutes, leverage sample job descriptions and much more. Better still, these low-maintenance solutions are

available 24/7, connecting you to services that can streamline your business and make your life that much easier —all with just a

click of a button.

branded back to your agency, which will add value to your client relationships without adding to your workload.

Health Plan Compliance Calendar Just by answering a few questions about your health care plan, you can generate your own customized compliance calendar. Featuring a rolling list of federal compliance dates, monthly reminders and supplementary resources, you will have everything you need to remain informed, meet upcoming deadlines and generate the applicable notices.

Performance Review Builder Performance reviews are such an important tool for motivating employees and increasing their contributions to your business, but the process can be stressful. This tool generates performance appraisals based on an employee’s occupation, which can be customized with ratings and comments to describe performance issues. The customizable action plan will then help the employee improve their performance, so they can achieve their true potential while at the same time contribute to the success of your business.

Salary Benchmarking Tool Using this tool, you can search compensation and pay structure reports either annually or by the hour. What’s more, salary benchmarking survey information can be viewed and compared nationally, by state or within a state (narrowed by region or metro area). You will have access to salary data on over 800 job positions right at your fingertips.

Total Compensation Statement Builder It’s easy for employees to think of total compensation simply in terms of salary, but it’s so much more than that. This step-by-step tool generates a total compensation statement in minutes, which, in turn, helps you educate employees on the value of their benefits. Total compensation statements not only boost the morale of your employees, but they can also be a powerful retention tool.

HR Self-assessment Analyze your human resource competencies to ensure you are creating an environment for employees to thrive. Employers can assess their HR management practices, employee relations, recruiting process, training and development process, and more. Once a module is completed, explanations will be provided to highlight where improvements can be made.

Interview Question Builder Choose from over 400 pre-developed behavioral interview questions in 49 categories to create a ready-to-use interview guide in just a few minutes. This will ensure that you are asking the right interview questions, as these are key to evaluating whether a candidate has the knowledge, skills and qualities necessary to become a successful employee.

Multi-state Law Comparison Tool This tool is a convenient way for you to view and download labor laws in different states. If you have locations in multiple states, you may be concerned about which state labor laws apply to your business. This easy-to-use resource will generate side-by-side charts to compare and contrast state laws.

Sample Job Descriptions A well-written job description is one of the main ways to connect qualified applicants to positions at your organization. Using sample job descriptions, you can effectively and accurately highlight an employment opportunity to potential candidates.

Want to learn more? Contact us today!

Robertson Ryan & Associates

800.258.0277

www.robertsonryan.com

© 2018 Zywave, Inc. All rights reserved.

Risk Services

Loss Prevention

Risk Analysis & Resources Library

Risk Reduction Plans (Pre-Loss & Post-Loss) | Facility Inspections/Safety Audits

Enhancement of Safety Culture |Safety Roles for Owners, Managers & Employees

Holding All Employees Accountable for Safety| Mock OSHA Inspection/OSHA Log Review

Phone Consultation | Review of Insurance Carriers Recommendations & Compliance Assistance

Knowledgeable on the Following:

- Accident Investigation Program/Post Injury Response Policy

- Cost Implications of Workers Compensation

- OSHA Training:

- LO/TO, Forklift Safety, HazCom/GHS,

PPE, Emergency Preparedness

- Return to Work/Light Duty

- Ergonomics

- Body Mechanics

- Machine Guarding

Provide Customized Loss Trending Data / Management Reports (Benchmarking)

Provide Financial Impact of Claims | Utilize ModMaster to Project Experience Modification

Review Experience Modification Factor for Accuracy

Resources:

- Safety Tool Box Talks

- Safety Awareness Posters

- Safety Articles

- Safety Product Research

- Safety Programs

- Zywave

- JJ Keller

- Broker Briefcase

Darren Cherek

Margaret Gloudeman

Loss Control Manager

Risk Analyst

262-478-3271 | dcherek@robertsonryan.com

262-478-3278 | mgloudeman@robertsonryan.com

Providing Safety Walkthroughs, Classroom Training and More!

Learn More at www.RobertsonRyan.com

Retirement Plan Experience Personal Relationships

+ National Strength

As an Independent local benefits firm, we approach your Retirement Plan solutions and challenges with personalized attention, high levels of customer service, an understanding of local market trends, and dedicated staff.

As a part of Kestra Investment Services, LLC. (Kestra IS), we leverage the strength and benefits of a National organization that offers the retirement resources and relationships that only organizations of its size and scale can.

Kestra IS at a Glance Kestra IS, whose Securities and Wealth Management businesses provide a broad range of advisory and brokerage services to companies and individuals, help them preserve their assets and prosper over the long term.

Customized Service + Innovative Solutions

• Comprehensive retirement plan offerings and resources

• High quality and total range of Retirement Plan products: 401(k), 403(b), 457, Defined Benefit, Profit

Sharing, Deferred Compensation, Employer 529, Trusts, SIMPLE, SoloK, HSA and more

• Leading-edge thinking to help meet your Retirement Plan needs now, and proactively address future

needs

• Preferred carrier relationships, providing a competitive advantage for Retirement Plan options

• Independent and balanced perspectives from retirement professionals, with no obligations to any

single plan provider

• Advanced benchmarking and analysis tools

• Comprehensive decision and implementation support services

Todd R. Kreitzman, AIF®

20975 Swenson Dr. Ste. 225 Waukesha, WI 53186 Phone: 262-364-5216 Fax: 262-754-6798 tkreitzman@robertsonryanfs.com

Helping Employers Manage Their Retirement Plans with Fiduciary Excellence

Needs Assessment

Investment Strategist

Fiduciary Oversight

Provide Due Diligence

Performance Monitor / Evaluator / Benchmark

The purpose of a 401(k) / 403(b) Retirement Plan is to help your participants secure retirement income. At Robertson Ryan Financial

Services, our ultimate purpose is to optimize the Retirement Plan to help achieve plan participant goals, while working within your business goals. We help you offer a strong Retirement Benefit to your employees via a host of unbiased and proactive solutions including administration, investment monitoring, employee education and

ongoing comparative analysis.

The Kestra Retirement Plan Experience

• Over $60 billion in Qualified Retirement Plan assets1

• Over 10,000 qualified retirement plans served2

• Top 10 independent broker/dealer3

1 Evestnet Retirement Solutions as of 3/31/20192 Evestnet Retirement Solutions as of 3/31/20193 As ranked by ThinkAdvisor, 2018 Broker-DealerReference Guide for Gross Revenue

William J. Cronin, AIF®

20975 Swenson Dr. Ste. 225 Waukesha, WI 53186 Phone: 262-364-5216 Fax: 262-754-6798 bcronin@robertsonryanfs.com

• Staff holds, and is trained in, highly respected RetirementPlan and Financial Industry accreditations: CFA, AIF, CPC,ERPA, QPA & QKA

• Local Consultants providing preeminent service• Over 135+ years of specific Retirement Plan Industry

experience

The Robertson Ryan Financial Services Component

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Robertson Ryan Financial Services is not affiliated with Kestra IS or Kestra AS. This material was prepared by Kestra for useby its advisors. Kestra and its subsidiaries do not provide legal or tax advice. ACR#120160

Focus on Retirement Plan Services – Over 85% of our business is related to serving employer sponsored

retirement plans

Experience and Credentials – Our staff represents over 135 years of shared retirement plan and financial

service experience

Independent and Fee Based – We are designed to identify and eliminate potential conflicts of interest for

the purpose of providing unbiased advice to our clients

Service and Satisfied Clients – A lot of people talk about their great service, but we enjoy proving our

services are top-notch. We would love to share references with you!

Executive Services – Financial planning for prominent plan participants including investment management

Legal and Operational Administration

Full support and monitoring of plan compliance with the standards set forth in The EmployeeRetirement Income Security Act of 1974 (ERISA)

Provide oversight on reporting, testing, and monitoring to meet guidelines set forth by the InternalRevenue Service and Department of Labor (DOL)

Provide full disclosure and transparency regarding fees and potential conflicts of interest

Delivery in-person of year end reporting and detailed annual review of plan

Investment Monitoring

• Acknowledge role as plan “Fiduciary” with written contract and required reporting

• Design and implement an investment policy statement and help formalize investment committee

• Document investment reporting, decisions of the investment committee, and minutes of committee meetings

• Adhere to, monitor, and update written Investment Policy Statement

Employee Communication and Education

Design a timely and targeted education plan for the participants to drive plan goals

Hold on-site initial and ongoing participant meetings designed to raise participants’ understanding

Provide one-on-one participant education, investment guidance, and asset allocation strategies

Educate participants/retirees on distribution options

Monitor, document, and report on effectiveness of communication and education plan

Comparative Analysis

Serve as your advocate and liaison in communicating with plan platform providers

Compare plan services, fees, design, and benefits proactively

Upon request, facilitate the request for proposal (RFP) process

Analysis and recommendation of updates and changes of available products in market