FOLLOWING IS THE

2017 Annual Enrollment Brochure

EFFECTIVE JANUARY 1 2017 ndash DECEMBER 31 2017

Contained within this document is information on

bull 2017 Annual Enrollment Brochure

bull 2017 Annual Enrollment Postcard

Each are divided by title sheets for ease of reviewing

BROWN amp BROWN INC

2017 BENEFITS ANNUAL ENROLLMENT

NOVEMBER 14mdash23 2016

GET IN GEAR

for the

1

YOUR 2017 BENEFITS HIGHLIGHTS

This brochure has been developed to assist you in preparing for the 2017 annual benefits enrollment It is important to review each benefit option available so please take time to go through this brochure along with the Important Steps listed on this page

Whatrsquos New In 2017

Annual enrollment begins November 14th and ends November 23rd All

eligible teammates must access the ADP Vantage HCMreg system and

complete the online enrollment process to elect or waive benefits Some

of the 2016 benefit elections will not carry forward into 2017

UnitedHealthcare (UHC) and Optum Health Services have been selected to

provide the administrative services for the

MedicalRx plan options

Health Savings Accounts (HSA)

Flexible Spending Accounts (FSA)

Commuter Benefits (Transit andor Parking)

Enrollment for Commuter Benefits (TransitParking) offered by a UHC

partnership with WageWorks will be a separate enrollment time frame

and process directly on the WageWorks website wwwwageworkscom

Refer to the WageWorks instructions posted on the MyBenergy benefits

portal

Virtual Visits will be offered under the UHC contract for our teammates

that enroll in one of the medical options Teammates can access a UHC

virtual visit provider from a video capable mobile device or computer

without an appointment for non-emergency services

Two new group voluntary insurance offerings from Aflac Accident

Insurance and Critical Illness Insurance

The Guardian High Dental plan will be amended to include adult

orthodontics and dental implants

The 2016 BCBS Wellness Rewards Program Incentives will end on

12312016 Details for the new 2017 UnitedHealthcare Rally Engage

Wellness Program will be announced during the first quarter of 2017

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

IMPORTANT STEPS

Learn More View the annual benefits overview

on the BampB University

Learning Management System (LMS)

Log in at httpsbbinssabacloudcom

From the LMS home page

go to My Courses gt My Plan and select

2017 Benefits Annual Enrollment and

click Launch

For posted detailed information on the

2017 benefit options and employee

contributions visit our benefits website

wwwmybenergycom

User ID bnb Password benefits

Take Action

Make your benefit elections between

November 14 and November 23 2016

Log in at httpsadpvantageadpcom

From the ADP Vantage HCMreg

home page go to

Myself gt Benefits gt Enrollments

Click on Enroll Now to begin your

benefits enrollment

BROWN amp BROWN INC

2017 BENEFITS ANNUAL ENROLLMENT

NOVEMBER 14mdash23 2016

GET IN GEAR

for the

1

YOUR 2017 BENEFITS HIGHLIGHTS

This brochure has been developed to assist you in preparing for the 2017 annual benefits enrollment It is important to review each benefit option available so please take time to go through this brochure along with the Important Steps listed on this page

Whatrsquos New In 2017

Annual enrollment begins November 14th and ends November 23rd All

eligible teammates must access the ADP Vantage HCMreg system and

complete the online enrollment process to elect or waive benefits Some

of the 2016 benefit elections will not carry forward into 2017

UnitedHealthcare (UHC) and Optum Health Services have been selected to

provide the administrative services for the

MedicalRx plan options

Health Savings Accounts (HSA)

Flexible Spending Accounts (FSA)

Commuter Benefits (Transit andor Parking)

Enrollment for Commuter Benefits (TransitParking) offered by a UHC

partnership with WageWorks will be a separate enrollment time frame

and process directly on the WageWorks website wwwwageworkscom

Refer to the WageWorks instructions posted on the MyBenergy benefits

portal

Virtual Visits will be offered under the UHC contract for our teammates

that enroll in one of the medical options Teammates can access a UHC

virtual visit provider from a video capable mobile device or computer

without an appointment for non-emergency services

Two new group voluntary insurance offerings from Aflac Accident

Insurance and Critical Illness Insurance

The Guardian High Dental plan will be amended to include adult

orthodontics and dental implants

The 2016 BCBS Wellness Rewards Program Incentives will end on

12312016 Details for the new 2017 UnitedHealthcare Rally Engage

Wellness Program will be announced during the first quarter of 2017

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

IMPORTANT STEPS

Learn More View the annual benefits overview

on the BampB University

Learning Management System (LMS)

Log in at httpsbbinssabacloudcom

From the LMS home page

go to My Courses gt My Plan and select

2017 Benefits Annual Enrollment and

click Launch

For posted detailed information on the

2017 benefit options and employee

contributions visit our benefits website

wwwmybenergycom

User ID bnb Password benefits

Take Action

Make your benefit elections between

November 14 and November 23 2016

Log in at httpsadpvantageadpcom

From the ADP Vantage HCMreg

home page go to

Myself gt Benefits gt Enrollments

Click on Enroll Now to begin your

benefits enrollment

1

YOUR 2017 BENEFITS HIGHLIGHTS

This brochure has been developed to assist you in preparing for the 2017 annual benefits enrollment It is important to review each benefit option available so please take time to go through this brochure along with the Important Steps listed on this page

Whatrsquos New In 2017

Annual enrollment begins November 14th and ends November 23rd All

eligible teammates must access the ADP Vantage HCMreg system and

complete the online enrollment process to elect or waive benefits Some

of the 2016 benefit elections will not carry forward into 2017

UnitedHealthcare (UHC) and Optum Health Services have been selected to

provide the administrative services for the

MedicalRx plan options

Health Savings Accounts (HSA)

Flexible Spending Accounts (FSA)

Commuter Benefits (Transit andor Parking)

Enrollment for Commuter Benefits (TransitParking) offered by a UHC

partnership with WageWorks will be a separate enrollment time frame

and process directly on the WageWorks website wwwwageworkscom

Refer to the WageWorks instructions posted on the MyBenergy benefits

portal

Virtual Visits will be offered under the UHC contract for our teammates

that enroll in one of the medical options Teammates can access a UHC

virtual visit provider from a video capable mobile device or computer

without an appointment for non-emergency services

Two new group voluntary insurance offerings from Aflac Accident

Insurance and Critical Illness Insurance

The Guardian High Dental plan will be amended to include adult

orthodontics and dental implants

The 2016 BCBS Wellness Rewards Program Incentives will end on

12312016 Details for the new 2017 UnitedHealthcare Rally Engage

Wellness Program will be announced during the first quarter of 2017

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

IMPORTANT STEPS

Learn More View the annual benefits overview

on the BampB University

Learning Management System (LMS)

Log in at httpsbbinssabacloudcom

From the LMS home page

go to My Courses gt My Plan and select

2017 Benefits Annual Enrollment and

click Launch

For posted detailed information on the

2017 benefit options and employee

contributions visit our benefits website

wwwmybenergycom

User ID bnb Password benefits

Take Action

Make your benefit elections between

November 14 and November 23 2016

Log in at httpsadpvantageadpcom

From the ADP Vantage HCMreg

home page go to

Myself gt Benefits gt Enrollments

Click on Enroll Now to begin your

benefits enrollment

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

The self-funded Brown amp Brown Inc Healthcare Plan

medical options will utilize the national UHC Choice Plus

network Teammates residing in Massachusetts New

Hampshire and Maine will utilize the UHC Choice Plus

with Harvard Pilgrim network

A UHC network comparison to current network providers

indicates more than 95 of teammates will find their

current doctors and hospitals within the UHC Choice Plus

network

The UHC Choice Plus national lab network provider is

Lab Corp

The medical plan options include prescription drug

benefits through Optum Rx and Specialty Rx through

Brovia Rx a UHC company

A mobile app is available to provide easy access to your

UHC medical ID card(s) find nearby network providers

and much more Information on how to download the

UHC Health4MeSM mobile app is available on the benefits

portal MyBenergy

The Health Savings Accounts (HSA) will be administered

by Optum Bank For active teammates enrolled in the

High Deductible Health Plan (HDHP) and elect an Optum

Bank HSA the HSA is now offered without a fee for the

basic account

New UHC MedicalRx ID cards along with HSA and FSA

debit cards will be issued

Elected Commuter Benefits (TransitParking) passes or

cards will be issued via WageWorks

A customized UHC pre-member website is available

during the enrollment period to introduce the UHC

services such as how to find a Choice Plus network

provider and Virtual Visits Visit welcometouhccombrownb and take the tour

Several Features

Vantage Online Enrollment Questions Contact the

Brown amp Brown Team Resource Center

1-866-505-0991

8 am to 8 pm Eastern Time any business day

UHC Customer Service As of November 1 2016 a UHC dedicated customer

service line will be available for teammates by dialing

1-844-298-8929

to assist with Medical HSA and FSA

benefit questions

Aflac Customer Service Aflac is available to assist with questions at

1-877-515-2484

2

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

In 2017 You Can Continue To

Choose from two medical options a copay Preferred Provider Organization (referred to as Choice Plus Copay) or a High

Deductible Health Plan (referred to as Choice Plus HDHP) Both are administered by UnitedHealthcare

Contribute up to $3400 for single coverage or $6750 for family coverage on a pre-tax basis to a Health Savings

Account (HSA) through Optum Bank if you elect the HDHP plan ($1000 catch-up contribution available for 55+

participants)

Choose from two fully insured dental plans offered by Guardian Life Insurance Company a High or Low dental plan

Elect a vision plan offered by Guardian Life Insurance Company utilizing the national VSP network

Elect Group Term Life with Accidental Death amp

Dismemberment plan (GTL) through Lincoln Financial

Elect Voluntary Term Life with Accidental Death amp

Dismemberment plan (VTL) through Lincoln Financial

Evidence of Insurability (EOI) will be required for late

enrollee elections and incremental increases

Elect Personal Accident Insurance (ADampD) through Cigna

Elect Long-Term Disability (LTD) through Cigna

Contribute up to $2600 to a Limited Purpose or Full

Purpose Healthcare Flexible Spending Account (FSA) on a

pre-tax basis administered through Optum

Contribute up to $5000 to a Dependent Day Care Account on a pre-tax basis administered through Optum As a

reminder medical expenses for your dependent(s) are not eligible for reimbursement under the Dependent Day Care

FSA

Contribute to a Transit andor Parking Commuter Benefit on a pre-tax basis administered by UHC through partnership

with WageWorks

IMPORTANT NOTES 1 Annual Enrollment is the only time you can change your benefit elections unless you experience a qualifying life event If

you do not make your elections by the enrollment deadline your current elections will not carry over into 2017 You must access the ADP Vantage HCMreg system and complete the annual enrollment process to elect or waive benefits

2 You must make and confirm your benefit elections no later than 1159 pm Eastern Time on November 23 2016 Be sure

to submit your information and receive a confirmation number for your 2017 elections It is important that you retain a copy of your printed confirmation as proof of your enrollment

3 The 2016 BCBS Wellness Rewards Program Incentives will end on 12312016 Details for the new 2017 UnitedHealthcare

Rally Engage Wellness Program will be announced during the first quarter of 2017

3

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

VIEW the annual benefits overview on the BampB University Learning Management System (LMS) Log in to the

Learning Management System at httpsbbinssabacloudcom If you need assistance with your username and

password email LMSSupportbbinscom

REVIEW all benefit plan options along with contribution information found on the MyBenergy benefits portal

Log in to the benefits portal at wwwmybenergycom User ID bnb Password benefits

PRINT a copy or REVIEW ONLINE your current 2016 Election Confirmation prior to making your 2017 benefit

elections Log in to httpsadpvantageadpcom and go to Myself gt Benefits gt Election Confirmations to print or

view your current elections

CHECK to be sure each of your eligible dependents are enrolled and verify their Social Security Number(s) and

date of birth(s) as you enroll for 2017 coverages

MAKE your annual enrollment elections between November 14 2016 and November 23 2016 on the ADP

Vantage HCMreg Annual Enrollment website To make your elections log in to httpsadpvantageadpcom go to

Myself gt Benefits gt Enrollments then click on Enroll Now Newly hired teammates will need to register in ADP Vantage HCMreg prior to logging on the website and

selecting benefits Access your ADP Vantage HCMreg account before the 2017 Annual Enrollment period to ensure you can make

your elections If you need assistance with your user name and password email BBVantageISbbinscom With the Vantage enrollment system you must elect or waive each benefit offered Keep in mind if you leave

the system prior to receiving a confirmation number you will need to return and complete your enrollment

The enrollment instructions for WageWorks are posted on the MyBenergy benefits portal

REVIEW your 2017 enrollment summary page to ensure you and your dependents have the coverage you

elected and verify your beneficiary information

CONFIRM your 2017 elections and SUBMIT your enrollment

PRINT the 2017 Election Confirmation page and check your elections for accuracy including the Pre or Post Tax

deduction basis selected and retain for your records This printed confirmation page is proof of your enrollment

WATCH the mail for your new benefit ID cards (including MedicalRx Dental Vision FSA debit cards andor

Optum Bank HSA MasterCard(s)) which should be received in late December Start using them on January 1 2017

2017 ENROLLMENT CHECKLIST

Enroll November 14mdashNovember 23 2016

Annual Enrollment is your opportunity to review and elect benefit options that meet the needs of you and your family

Your 2017 elections must be submitted and confirmed by 1159 pm Eastern Time on November 23 2016 To get started

follow these simple steps

4

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

In 2017 You Can Continue To

Choose from two medical options a copay Preferred Provider Organization (referred to as Choice Plus Copay) or a High

Deductible Health Plan (referred to as Choice Plus HDHP) Both are administered by UnitedHealthcare

Contribute up to $3400 for single coverage or $6750 for family coverage on a pre-tax basis to a Health Savings

Account (HSA) through Optum Bank if you elect the HDHP plan ($1000 catch-up contribution available for 55+

participants)

Choose from two fully insured dental plans offered by Guardian Life Insurance Company a High or Low dental plan

Elect a vision plan offered by Guardian Life Insurance Company utilizing the national VSP network

Elect Group Term Life with Accidental Death amp

Dismemberment plan (GTL) through Lincoln Financial

Elect Voluntary Term Life with Accidental Death amp

Dismemberment plan (VTL) through Lincoln Financial

Evidence of Insurability (EOI) will be required for late

enrollee elections and incremental increases

Elect Personal Accident Insurance (ADampD) through Cigna

Elect Long-Term Disability (LTD) through Cigna

Contribute up to $2600 to a Limited Purpose or Full

Purpose Healthcare Flexible Spending Account (FSA) on a

pre-tax basis administered through Optum

Contribute up to $5000 to a Dependent Day Care Account on a pre-tax basis administered through Optum As a

reminder medical expenses for your dependent(s) are not eligible for reimbursement under the Dependent Day Care

FSA

Contribute to a Transit andor Parking Commuter Benefit on a pre-tax basis administered by UHC through partnership

with WageWorks

IMPORTANT NOTES 1 Annual Enrollment is the only time you can change your benefit elections unless you experience a qualifying life event If

you do not make your elections by the enrollment deadline your current elections will not carry over into 2017 You must access the ADP Vantage HCMreg system and complete the annual enrollment process to elect or waive benefits

2 You must make and confirm your benefit elections no later than 1159 pm Eastern Time on November 23 2016 Be sure

to submit your information and receive a confirmation number for your 2017 elections It is important that you retain a copy of your printed confirmation as proof of your enrollment

3 The 2016 BCBS Wellness Rewards Program Incentives will end on 12312016 Details for the new 2017 UnitedHealthcare

Rally Engage Wellness Program will be announced during the first quarter of 2017

3

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

VIEW the annual benefits overview on the BampB University Learning Management System (LMS) Log in to the

Learning Management System at httpsbbinssabacloudcom If you need assistance with your username and

password email LMSSupportbbinscom

REVIEW all benefit plan options along with contribution information found on the MyBenergy benefits portal

Log in to the benefits portal at wwwmybenergycom User ID bnb Password benefits

PRINT a copy or REVIEW ONLINE your current 2016 Election Confirmation prior to making your 2017 benefit

elections Log in to httpsadpvantageadpcom and go to Myself gt Benefits gt Election Confirmations to print or

view your current elections

CHECK to be sure each of your eligible dependents are enrolled and verify their Social Security Number(s) and

date of birth(s) as you enroll for 2017 coverages

MAKE your annual enrollment elections between November 14 2016 and November 23 2016 on the ADP

Vantage HCMreg Annual Enrollment website To make your elections log in to httpsadpvantageadpcom go to

Myself gt Benefits gt Enrollments then click on Enroll Now Newly hired teammates will need to register in ADP Vantage HCMreg prior to logging on the website and

selecting benefits Access your ADP Vantage HCMreg account before the 2017 Annual Enrollment period to ensure you can make

your elections If you need assistance with your user name and password email BBVantageISbbinscom With the Vantage enrollment system you must elect or waive each benefit offered Keep in mind if you leave

the system prior to receiving a confirmation number you will need to return and complete your enrollment

The enrollment instructions for WageWorks are posted on the MyBenergy benefits portal

REVIEW your 2017 enrollment summary page to ensure you and your dependents have the coverage you

elected and verify your beneficiary information

CONFIRM your 2017 elections and SUBMIT your enrollment

PRINT the 2017 Election Confirmation page and check your elections for accuracy including the Pre or Post Tax

deduction basis selected and retain for your records This printed confirmation page is proof of your enrollment

WATCH the mail for your new benefit ID cards (including MedicalRx Dental Vision FSA debit cards andor

Optum Bank HSA MasterCard(s)) which should be received in late December Start using them on January 1 2017

2017 ENROLLMENT CHECKLIST

Enroll November 14mdashNovember 23 2016

Annual Enrollment is your opportunity to review and elect benefit options that meet the needs of you and your family

Your 2017 elections must be submitted and confirmed by 1159 pm Eastern Time on November 23 2016 To get started

follow these simple steps

4

This brochure of Employee Benefits is designed to provide basic information regarding employee benefit plans and programs available to eligible employees of Brown amp Brown Inc and its

subsidiaries It does not detail all of the terms conditions restrictions and exclusions contained in the plan documents carrier contracts or the Summary Plan Descriptions (SPD) for the

various benefit plans and programs This brochure merely summarizes the employee benefit plans and programs and does not create any contractual rights for any current or former employee

of Brown amp Brown Inc and its subsidiaries or for any other individual The benefit provisions of the applicable plan document contract or SPD will govern the determination of any individualrsquos

rights under any employee benefit plan or program This document does not constitute a plan document or SPD as defined by the Employment Retirement Income Security Act of 1974 as

amended (ERISA) Brown amp Brown Inc and its subsidiaries reserve the right to amend or terminate any of its employee benefit plans and programs at any time and without notice or cause

VIEW the annual benefits overview on the BampB University Learning Management System (LMS) Log in to the

Learning Management System at httpsbbinssabacloudcom If you need assistance with your username and

password email LMSSupportbbinscom

REVIEW all benefit plan options along with contribution information found on the MyBenergy benefits portal

Log in to the benefits portal at wwwmybenergycom User ID bnb Password benefits

PRINT a copy or REVIEW ONLINE your current 2016 Election Confirmation prior to making your 2017 benefit

elections Log in to httpsadpvantageadpcom and go to Myself gt Benefits gt Election Confirmations to print or

view your current elections

CHECK to be sure each of your eligible dependents are enrolled and verify their Social Security Number(s) and

date of birth(s) as you enroll for 2017 coverages

MAKE your annual enrollment elections between November 14 2016 and November 23 2016 on the ADP

Vantage HCMreg Annual Enrollment website To make your elections log in to httpsadpvantageadpcom go to

Myself gt Benefits gt Enrollments then click on Enroll Now Newly hired teammates will need to register in ADP Vantage HCMreg prior to logging on the website and

selecting benefits Access your ADP Vantage HCMreg account before the 2017 Annual Enrollment period to ensure you can make

your elections If you need assistance with your user name and password email BBVantageISbbinscom With the Vantage enrollment system you must elect or waive each benefit offered Keep in mind if you leave

the system prior to receiving a confirmation number you will need to return and complete your enrollment

The enrollment instructions for WageWorks are posted on the MyBenergy benefits portal

REVIEW your 2017 enrollment summary page to ensure you and your dependents have the coverage you

elected and verify your beneficiary information

CONFIRM your 2017 elections and SUBMIT your enrollment

PRINT the 2017 Election Confirmation page and check your elections for accuracy including the Pre or Post Tax

deduction basis selected and retain for your records This printed confirmation page is proof of your enrollment

WATCH the mail for your new benefit ID cards (including MedicalRx Dental Vision FSA debit cards andor

Optum Bank HSA MasterCard(s)) which should be received in late December Start using them on January 1 2017

2017 ENROLLMENT CHECKLIST

Enroll November 14mdashNovember 23 2016

Annual Enrollment is your opportunity to review and elect benefit options that meet the needs of you and your family

Your 2017 elections must be submitted and confirmed by 1159 pm Eastern Time on November 23 2016 To get started

follow these simple steps

4

FOLLOWING IS THE

2017 Annual Enrollment Postcard

EFFECTIVE JANUARY 1 2017 ndash DECEMBER 31 2017

Contained within this document is information on

bull 2017 Annual Enrollment Brochure

bull 2017 Annual Enrollment Postcard

Each are divided by title sheets for ease of reviewing

LIFE

LTD

GET IN GEAR

2017 BENEFITS ANNUAL ENROLLMENT

November 14 2016through

November 23 2016

MEDICAL

Brown amp Brown IncTeam Resources-Benefits DepartmentPO Box 327Daytona Beach FL 32115-0327

2017 ANNUAL ENROLLMENT L K WHATrsquoS NEW IN 2017

ACTION STEPS

If you need assistance on your 2017 benefits enrollment process please call the

Brown amp Brown Team Resource Center at 1-866-505-0991 Representatives available Monday - Friday 800 am to 800 pm ET except holidays

UnitedHealthcare Choice Plus Medical Plans Aflac Accident Insurance amp Critical Illness Insurance Optum Health for Prescriptions HSA FSA and EAP Enhanced Guardian Dental High Plan

View Annual Enrollment Overview on the BampB University Learning Management System (LMS) httpsbbinssabacloudcom

If you need assistance with your username and password email LMSSupportbbinscom

Review all benefit summaries on MyBenergy wwwmybenergycom User ID=bnb Password=benefits

All posted information is available in printed form upon request including Summary Plan Descriptions Regulatory Notices and Notices of Privacy Practices amp Medicare (Part D) Contact the Team Resources Benefits Department at 1-800-877-2769 Ext 5786

Log in to the UnitedHealthcare Pre-Member Website for highlights of new programs and services wwwwelcometouhccombrownb Make your 2017 benefit elections in ADP Vantage HCMreg Log in to httpsadpvantageadpcom then From the Home Page go to MYSELF gt BENEFITS gt ENROLLMENTS Click on ENROLL NOW to begin benefits enrollment

Social Security Number and Date of Birth are required to addupdate dependent(s) and beneficiaries

1

2

3

4

READ THESE IMPORTANT ANNUAL ENROLLMENT NOTES This yearrsquos annual enrollment will be an lsquoactiversquo enrollment If you do not make your elections during the November 14 through November 23 2016annual enrollment period your 2016 benefit elections will not carry over to 2017 with the exception of current Life Long-Term Disability and PersonalAccident elections

The 2016 BCBS Wellness Rewards Program incentives will end on 12312016 Details for the new 2017 UnitedHealthcare Rally Engage WellnessProgram will be announced during the first quarter of 2017

LIFE

LTD

GET IN GEAR

2017 BENEFITS ANNUAL ENROLLMENT

November 14 2016through

November 23 2016

MEDICAL

Brown amp Brown IncTeam Resources-Benefits DepartmentPO Box 327Daytona Beach FL 32115-0327

2017 ANNUAL ENROLLMENT L K WHATrsquoS NEW IN 2017

ACTION STEPS

If you need assistance on your 2017 benefits enrollment process please call the

Brown amp Brown Team Resource Center at 1-866-505-0991 Representatives available Monday - Friday 800 am to 800 pm ET except holidays

UnitedHealthcare Choice Plus Medical Plans Aflac Accident Insurance amp Critical Illness Insurance Optum Health for Prescriptions HSA FSA and EAP Enhanced Guardian Dental High Plan

View Annual Enrollment Overview on the BampB University Learning Management System (LMS) httpsbbinssabacloudcom

If you need assistance with your username and password email LMSSupportbbinscom

Review all benefit summaries on MyBenergy wwwmybenergycom User ID=bnb Password=benefits

All posted information is available in printed form upon request including Summary Plan Descriptions Regulatory Notices and Notices of Privacy Practices amp Medicare (Part D) Contact the Team Resources Benefits Department at 1-800-877-2769 Ext 5786

Log in to the UnitedHealthcare Pre-Member Website for highlights of new programs and services wwwwelcometouhccombrownb Make your 2017 benefit elections in ADP Vantage HCMreg Log in to httpsadpvantageadpcom then From the Home Page go to MYSELF gt BENEFITS gt ENROLLMENTS Click on ENROLL NOW to begin benefits enrollment

Social Security Number and Date of Birth are required to addupdate dependent(s) and beneficiaries

1

2

3

4

READ THESE IMPORTANT ANNUAL ENROLLMENT NOTES This yearrsquos annual enrollment will be an lsquoactiversquo enrollment If you do not make your elections during the November 14 through November 23 2016annual enrollment period your 2016 benefit elections will not carry over to 2017 with the exception of current Life Long-Term Disability and PersonalAccident elections

The 2016 BCBS Wellness Rewards Program incentives will end on 12312016 Details for the new 2017 UnitedHealthcare Rally Engage WellnessProgram will be announced during the first quarter of 2017

2017 ANNUAL ENROLLMENT L K WHATrsquoS NEW IN 2017

ACTION STEPS

If you need assistance on your 2017 benefits enrollment process please call the

Brown amp Brown Team Resource Center at 1-866-505-0991 Representatives available Monday - Friday 800 am to 800 pm ET except holidays

UnitedHealthcare Choice Plus Medical Plans Aflac Accident Insurance amp Critical Illness Insurance Optum Health for Prescriptions HSA FSA and EAP Enhanced Guardian Dental High Plan

View Annual Enrollment Overview on the BampB University Learning Management System (LMS) httpsbbinssabacloudcom

If you need assistance with your username and password email LMSSupportbbinscom

Review all benefit summaries on MyBenergy wwwmybenergycom User ID=bnb Password=benefits

All posted information is available in printed form upon request including Summary Plan Descriptions Regulatory Notices and Notices of Privacy Practices amp Medicare (Part D) Contact the Team Resources Benefits Department at 1-800-877-2769 Ext 5786

Log in to the UnitedHealthcare Pre-Member Website for highlights of new programs and services wwwwelcometouhccombrownb Make your 2017 benefit elections in ADP Vantage HCMreg Log in to httpsadpvantageadpcom then From the Home Page go to MYSELF gt BENEFITS gt ENROLLMENTS Click on ENROLL NOW to begin benefits enrollment

Social Security Number and Date of Birth are required to addupdate dependent(s) and beneficiaries

1

2

3

4

READ THESE IMPORTANT ANNUAL ENROLLMENT NOTES This yearrsquos annual enrollment will be an lsquoactiversquo enrollment If you do not make your elections during the November 14 through November 23 2016annual enrollment period your 2016 benefit elections will not carry over to 2017 with the exception of current Life Long-Term Disability and PersonalAccident elections

The 2016 BCBS Wellness Rewards Program incentives will end on 12312016 Details for the new 2017 UnitedHealthcare Rally Engage WellnessProgram will be announced during the first quarter of 2017