Presented By: Robert M. Heffernan, MBA, CFP®

Gary FredericksNatalia Lezhneva

Benefit Communications andEnrollment Proposal

MGM RESORTSINTERNATIONAL

2

Benefits Technologies - Who We Are

• Enrollment Solutions Specialists.• Over 150 full-time insurance

professionals• Coast to coast• 1,000 corporate clients each year

across the nation• 350,000 employees enrolled

nationwide.

• Tools and resources• Make informed decisions.

Enrollment Solutions

OUR SERVICES:Benefits Technologies offers a wide variety of services to help employers manage their benefit portfolios. A partnership with our firm gives you more than just access to great insurance products it gives you a relationship with a local team of committed professionals who strive to give you advantages in all aspects of corporate benefit services

THE POWER OF OPTIONS:There are many strategies and approaches to solving your benefit needs. At Benefits Technologies we are committed to bringing all the viable options to the table. Over the years we have found that there really are no "cookie cutter" approaches to benefit enrollments. While there may be effective approaches and strategies that work for most, we believe that you will see better results from your enrollment process when your unique circumstances are taken into consideration and we can outline a strategy that is tailored to your specific needs.

ENROLLMENTS:Deciding which enrollment option will best fit your company begins with communication. We listen closely to your needs, and help you develop a game plan that takes into consideration your daily business activities, your company's demographics and your unique set of circumstances.

The goal is make sure that employees are educated properly regarding their benefits so that they can make informed decisions. Our extensive experience in this arena has allowed us to create refined solutions for both on-site and off-site enrollments utilizing several different and unique enrollment platforms. From logos and color schemes to complete employer branding, our interfaces provide the flexibility to meet the demands of the most discerning employer groups. Secure data integration enables updates of employee and enrollment data to most back-office HRIS/payroll systems.

SERVICE AND ADMINISTRATION:One of the most important value added services we can provide our clients is to remain focused on servicing their account. Our team includes industry experts with backgrounds in human resources, benefits, communications, enrollment centers, training, enrollment technology, administration and customer service and we are dedicated to providing exceptional service prior, during and after enrollment to you and your employees.

Enrollment Call Center

ENROLLMENT CALL CENTER CAPABILITIES:

Call centers are quickly becoming one of the most preferred methods of enrollment for

employees.

In order to be considered successful, we monitor quality through:

• Effective Benefits Counselors

Since the primary interface between an enrollment call center and an employee is the Benefit Specialist, this element strongly influences the ability to deliver quality service. This is why we utilize a core staff of well trained, experienced Counselors who specialize in not only enrolling employees but also educating them on their benefits plans.

• Effective Processes

Internal processes strongly influence employer and employee perception and interaction with an organization. Ideally, a process is designed and implemented to effectively answer incoming calls. Our enrollment center offers scalable staffing size, call monitoring and recording, real-time and historical reporting, and client specific phone numbers.

• Effective Technology

We are constantly reviewing and updating our systems to ensure we are able to offer the most effective and flexible service possible. With call center capability, the biggest hurdle to overcome is minimizing employee wait time as well as completing the enrollment on time. With our on-line employee scheduler software, this becomes an easy job to accomplish. The employee scheduler allows employees to setup a time that best meets their individual schedule, they receive periodic email reminders confirming their appointment time and specific employer assigned telephone number to call.

iSelect Online SchedulerOne of the key determinates of a successful call center based enrollment is scheduling efficiency. In order to assist with efficient and easy scheduling, we have developed iSelect, a schedule planning and control system to assist with conducting an efficient and smooth flowing enrollment.

• Customizable webpage with company logo• Customizable messaging text and scrolling banner messaging available• Simplified employee registration and login made easy with just an email address and name• Easy user interface for scheduling available dates/times• Automatic email reminders sent to employees

Scope of Services

Pre -Enrollment Setup:

• Inception Phase: During the inception phase, the client agrees to allow us to offer our services to their employees. As a first step, the initial set-up meeting would be conducted which will be used to clearly identify the client’s specific goals and needs and specify the end-product vision. We review our understanding of your business drivers and define the scope of the project as well as the enrollment methodology. Applicable acceptance agreements are signed.

• Elaboration and Client Set-up Phase: During this phase, we

plan the necessary activities and the required resources and request essential data from the client, carriers, and/or broker. We identify project risks, create project goals, identify roles and responsibilities and develop a Case Profile. We obtain approval forms which document our understanding of all of your benefit plans, rates, business rules, eligibility criteria and calculations which will make up your Benefits Definition Document. Advance Communication Material is designed and distributed. Arrangements are made for ongoing support and backend export files are defined and file specifications are collected during this time as well.

Scope of Services

Pre -Enrollment Setup:

• Construction Phase: During the construction phase, data is validated and your designated Enrollment Coordinator will configure the Benefits Selection system incorporating the approved Benefits Definition Document information along with importing your employee data. The system is configured starting with the basic plan design and eligibility structure, and then the finer details are input. Usually the last elements to be configured include employee contributions for each plan. Near the end of the construction phase, we go through a series of automated and manual testing scenarios to validate the enrollment system.

• Testing / Training Phase: In this phase, the goal is to ensure

the requirements have been met and Benefit Specialists are trained on your organizations benefit plans and eligibility structure. This phase begins with a beta release of the enrollment system available for testing by the Benefit Specialist. Other activities include in-house enrollment training and preparation for the Benefit Specialists which is provided by the Lead Enrollment Coordinator as well as carrier representatives as predetermined by the coordinator and supervisor. Once the training sessions are completed and error report and clean-up has taken place, the Benefits Selection Live is launched and enrollment begins.

Ideal Project Time Line

Week 1 Week 2 Week 3 Week 4 Week 5 Week 6 Week 7 Week 8

Inception Phase

Elaboration Phase

Construction Phase

Testing/Training Phase

Phase 1- Initial setup meeting to identify specific goals, case setup, logistics, contact information.

Phase 2 – Build case profile; request data, outlines of plans, carriers rules for feeds; identify contacts; initiate plans for data submission after enrollment; structure for new hires during the year.

Phase 3 – Begin construction of platform based on Benefits Definition Document, eligibility rules, census data, and existing benefits .

Phase 4 - As platform develops, testing takes place to ensure rules are met and premiums are correct. Training is conducted in house for Benefits Specialist (as required).

During the various Phases, additional preparation is taking place for scheduling enrollment times, locations, acquiring carrier materials, setup for training with carriers.

Scope of Services

Enrollment Process: (Continued)During annual Open Enrollment, Benefit Specialist can be on hand at each property to assist employees through the enrollment process. They will provide the employee advice on which options will best serve their needs and insure the employee completely understands their coverage and all costs involved. Remote, on-line enrollment options will also be available during that time. Enrollment appointments with the Benefit Specialist will be scheduled using Benefits Technologies' proprietary On-Line scheduler thereby insuring a specialist is available at a specified time eliminating wait times for the employees. In addition, Benefits Technologies will coordinate the entire Open Enrollment process. We will work with each property, all insurance carriers and Third Party administrators to make certain the Open Enrollment is conducted as efficiently as possible, minimizing disruptions while ensuring that employees have a full grasp of the value of their benefit package and the options available to them. On a monthly basis for newly eligible employees, the Benefits Selection enrollment system will be designed for a Benefit Specialist to remotely guide the newly eligible employees through each step of the enrollment process for both their "core" benefits as well as their Voluntary Benefit options.

Employee Enrollment Site(SAMPLE)

• Employees access a secure link to the enrollment site either by typing in the internet web address or from a link on the employer home page.

• Employee login and PIN can be structured various ways to meet objectives and requirements.

Custom Presentation(SAMPLE)

• Once an employee logs in, they view customized messaging screens designed specifically for your enrollment.

Post Enrollment Services: Communication & Data Transfer: Benefit Confirmation

Statement are provided back to HR electronically for record keeping. Hard copies can be also be sent for distribution to employees. All enrollment & eligibility data is transferred via secure e-mail and/or FTP site to payroll/HRIS and appropriate carriers and vendors.

Customer Service: Benefits Technologies will provide ongoing consultation regarding the enrollment platform, data transfer and any related issues. Employees participating in Voluntary Benefits provided by Benefits Technologies will have access to a national toll free number to speak with a customer service representative. This would include assistance with claims, routine service, questions regarding coverage as well as information regarding the continuation of coverage in the event of an interruption or termination of employment. These representatives will also provide referral to core benefit carriers for similar services.

Scope of Services

Costs

• Pre-Enrollment Setup and Post Enrollment Services: NO CHARGE*

• Enrollment Process: NO CHARGE*(*Assumes Benefits Technologies would be the exclusive provider of at least 3 voluntary, supplemental benefits.)

Not included in this proposal are costs for additional services such as embedded video overlay in the enrollment system and/or customized benefits statements. Costs for these services can vary from no charge and up depending on the option you select and the complexity of the additional service.

• Permanent Life Insurance • enables employees and their families to obtain ownership in a

reliable life insurance policy for the insured’s entire lifetime• provides a valued compliment to any underlying employer

provided basic life and/or voluntary supplemental term life insurance program

• Cancer and Specified Disease Insurance • provides payments to insured to help offset cost of treatment for

cancer and 20 other diseases• provides tax-free payout s for specific occurrences

• Accident Insurance • pays the insured for common injuries such as broken bones,

burns, lacerations, loss of sight, loss of hearing, loss of speech, accidental death, and more

• also pays the insured for injury related expenses such as a trip to the emergency room, ambulance ride, hospital admission, and other unfriendly surprises

• Critical Illness Insurance • provides income to offset direct and indirect expenses resulting

from conditions such as a heart attack, stroke, cancer, kidney failure, organ transplant, and paralysis

• provides a lump-sum tax-free payout upon initial diagnosis of a covered illness

Cornerstone Voluntary Plans

(See Attached Proposals)

Service Summary

Benefits Enrollment Services

• Comprehensive Core Benefit Design and Service• Supplemental benefit enrollments• Personalized, individual meetings• Laptop-based electronic enrollments• Onsite face-to-face meetings• Call center meetings utilizing voice recorded telephone authorizations • Co-browsing method utilizing on-site computers and telephones with PIN

authorization• On-line scheduling capabilities minimizing common call center concerns

Customized Communication Campaign

• Schedule preparations• Management pre-enrollment communication regarding enrollment process and

requirements• Employee pre-enrollment communications (several options available including

standard and add-on options)• Video overlay communication services (As requested)

Enrollment System

• Customizable, internet communications/enrollment system; on and off-line capabilities

• Customizable for employer plans, rates, and employee classes• Customizable to reflect employer benefit messages• Benefit plan presentations and simplified employee election process• Standard benefit election confirmation report produced for each employee• Benefit statement reporting capabilities

Data and Reporting Services

• Electronic Data Management• Employee personal and benefit data verified and/or updated onsite• Enrollment data collected and stored in SELERIX/Benefits Selection• Electronic distribution of enrollment data to employer• Wide range of enrollment reports available through the system