worksite solutions
TRANSCRIPT
© C2 Solutions 2020
Worksite Solutions Learn more about C2’s Worksite programs.
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Table of Contents
Under 400 Employees
Guardian Underwriting Offer........................................................................................................... 3
MetLife Underwriting Offer ............................................................................................................. 5
MetLife Critical Illness ...................................................................................................................... 7
MetLife Accident ............................................................................................................................... 9
MetLife Hospital Indemnity ......................................................................................................... 11
Standard Underwriting Offer ........................................................................................................ 13
Clarity Enrollment Solutions Slip Sheet ...................................................................................... 18
Employee Family Planning Overview .......................................................................................... 19
© C2 Solutions 2020
C2 WORKSITE SOLUTIONS
Agreement Code:
Guardian Supplemental Health Underwriting Agreement & Plan
Design Defaults for:
C2 Solutions Member Firms
Start Date: 7/1/2020 Review Date: 10/1/2021 Annual Sales Production Goal: $750K Block Participation Goal: 15% by line of coverage Channel Partner ID, if applicable: No Rate Sheets: No
Sales Office: Milwaukee Sales Contact: Dan Heichel Broker Contact: Katie Ott UW Contact: Cheryl Carroll RPL Sponsor: Jamey Conway
Important Notice: The scope of this offer is limited to the plan designs and/or concessions below. Nothing in this offer is intended to waive Underwriting authority unless expressly stated. For example, SIC restrictions and commission guidelines will continue to apply unless exceptions are documented below. Guardian reserves the right to modify or terminate this offering at any time.
Special Instructions & Notes
All plans will be run in CPS so variations may occur, especially in takeover situations, but general plan designs below
Member firms of C2 include: The Partners Group, Scott Benefit Services, Holmes Murphy, M3 and McGohan Brabender.
For All Supp Health Coverages
Case Size Restrictions 25-399 lives
Commissions: up to 70/10 ML heaped for Acc/CI/Cancer – up to 60/10 ML heaped for HI and Dis Select
Ben Tech will vary case to case but standard 3% will be default.
Situs: Nationwide with the understanding that state variations apply including MLR states which have commission restrictions
Participation Requirements: Block will be managed annually at 15% participation per product line. Individual case standard participation requirements are waived to 5 enrolled apps per case.
Enrollment: This offer applies to C2 cases enrolled by Clarity and other similar 3rd
party enrollment firms approved by Guardian. Where a 3rd party is not enrolling, active self enroll/paper enrollment must utilize our in-house enrollment and tech consultant (Becky Johnson). This mandates an employer and broker have bought into solid enrollment conditions- 75% in group meeting, active decisions/completed enrollment, pre-communication campaign, etc…
Plan Design: See approved plan designs for Clarity/Preferred Partners
All plans will be run in CPS so variations may occur, especially in takeover situations, but general plan designs below
3 Year RTG
Accident Standard 2.0 plans, typically Gold
24 hour or Off job
College Tuition Benefit
$50 Wellness
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C2 WORKSITE SOLUTIONS
Critical Illness Pre x- waived
Conditions 1,2 and 3
GI- $30K
$50 Wellness
Attained age - Uni tobacco
Spouse Benefit 100%
Annual Open Enrollment
No age reductions
College Tuition Benefit
Hospital Indemnity
HSA plan design: Admission benefit amount $500 low plan, $1500 high plan
Daily Confinement benefit amount $100
Composite rates
Sickness and Accident
Pre-ex waived
9-month maternity exclusion included when pre-ex is waived
College Tuition Benefit
Annual Open Enrollment
Disability Income Select
Three plan designs: 7/7/13, 14/14/13 and 14/14/26
College Tuition Benefit
$300-$1000 weekly benefit in $100 increments
Attained age rates
Standard participation applies
Guardian Confidential 2
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
C2 and MetLife Group Benefits
Let’s work together to benefit your clients
matters
When you work with C2 and
MetLife, you get the collective
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
1. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment
form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living
overseas.
2. MetLife’s Issue age product is subject to benefit reductions that begin at age 65. Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by
state. Please contact MetLife for more information.
3. In Washington state, the duration is 365 days.
4. Availability varies by state.
FOR BROKER USE ONLY metlife.com
The product information included in this piece are considered competitive advantages based on our standard offering.
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions,
limitations, and terms for keeping them in force. Please contact MetLife for complete details.
METLIFE’S ACCIDENT AND HOSPITAL INDEMNITY INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended
to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policies or their
provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits. There may be a preexisting
condition limitation for hospital sickness benefits, if applicable. MetLife’s Accident and Hospital Indemnity Insurance may be subject to benefit reductions that
begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for
keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, or GPNP12-AX-PASG, or
contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group
Hospital Indemnity Insurance is pending regulatory approval. Hospital does not include certain facilities such as nursing homes, convalescent care or extended
care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance
policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state.
In most plans, there is a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which benefits will
not be paid for a recurrence, except in the case of insureds covered under a New York certificate. MetLife’s Issue Age CII is guaranteed renewable, and may
be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective
date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on
the covered person’s age at the time of the initial coverage effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A
more detailed description of the benefits, limitations, and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage/
Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP14-CI or
contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.
MetLife’s Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital,
surgical and medical expenses. MetLife’s Critical Illness Insurance does not provide reimbursement for such expenses is pending regulatory
approval.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L1119519950[EXP1220][ALL STATES][DC] © 2019 METLIFE SERVICES AND SOLUTIONS, LLC
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Critical Illness Plan C2 Plan Design
Policy Specifications Comments
Group or Individual Group Critical Illness
Rate Structure (Issue Age or Attained Age) Attained Age/Uni-tobacco
Guarantee Issue Yes
Benefit Amounts (Employee Choice) $15,000 or $30,000 Can be offered up to $50,000 guaranteed issue
Total Benefit Amount
500%
Effective January 1, 2021 - New Critical
Illness plan will have the option for no total
benefit
amount limit.
Spouse Coverage 100% of the Employee benefit amount
Child Coverage 100% of the Employee benefit amount
Pre-Existing Conditions None
Waiting Period None
Recurrence Benefit
100%: Heart Attack, Stroke, Full Cancer,
Coronary Artery Bypass Graft,
Partial Benefit Cancer
Suspension Period for same condition 365 days
Suspension Period for different condition None
Portability Yes
Benefit Reduction due to Age Attained Age: No Benefit Reduction
Covered Conditions Comments
Full Cancer 100%
Effective January 1, 2021 - New Critical
Illness plan will allow for 90 conditions
including COVID-19, Sudden Cardiac Arrest,
Occupational Post Traumatic Stress Disorder,
Mini-Strokes and Aneurysms.
Heart Attack 100%
Kidney Failure 100%
Stroke 100%
Major Organ Transplant 100%
Coronary Artery Bypass Graph 100%
Alzheimer's Disease 100%
Partial Cancer (Carcinoma in Situ) 25%
Addison's Disease; Lou Gehrig's Disease;
Cerebrosprinal Meningitis; Cerebral Palsy;
Cystic Fibrosis; Diphtheria; Encephalitis;
Huntington's Disease; Legionnaire's Disease;
Malaria; Multiple Sclerosis; Muscular
Dystrophy; Myasthenia Gravis; Necrotizing
Fasciitis; Osteomyelitis; Poliomyelitis; Rabies;
Sickle Cell Anemia; Systematic Lupus
Erythematosus; Systematic Sclerosis; Tetanus;
Tuberculosis.
25%
Additional Benefits Comments
Health Screening Benefit (HSB) $50
(45 tests) Effective January 1, 2021 - New Critical
Illness plan will have 52 covered exams
including dental & vision preventive services. Telephonic HSB Claim Capabilities Yes
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
MetLife Advantages (offered at no additional charge)
Will Preparation Services
Online will prep provided by SmartLegalForms to
create a binding will, living will or assign a
power of attorney
MetLife VisionAccess
Discount program provides a discount on eye
exams, glasses and frames, and laser vision
correction when visiting a participating private
practice
Digital Legacy (MetLife Infinity)
Create an account and upload, store and share
digital assets including pictures, videos, audio
files and documents. Share with family and
friends and set up a "trusted" individual who can
release collections if the user becomes unable to
do so
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Accident Plan C2 Plan Design
Policy Specifications Comments
Group or Individual Group Accident
Rate Structure Composite Rates
Eligibility Full Time Employees Actively at Work. Spouse
& Dependent Children to age 26
Guaranteed Issue Yes
Waiting Period: No
Pre-Existing Condition No
Plan Design (Employer Choice) Off Job We can offer a 24 hour plan
Portability Yes - benefit and rates remain the same
Benefit Reduction by Age None
Duration of time between Accident and
Treatment
180 days for most benefits
Organized Sports Activity Injury Benefit
Rider
25%
If a covered person has an accident that is due
to organized sports activity, we will pay an
extra 25% of eligible benefits, subject to
limitations described in the certificate, under
the following benefit categories: Accidental
Injury, Accident - Medical Treatment and
Services, Hospital benefits.
Accidental Injury Benefits Category Comments
Fractures
All of the following benefit amounts can be
modified.
Closed $200 - $5,000
Open $400 - $10,000
Dislocations
Closed $200 - $5,000
Open $400 - $10,000
Burns Benefit
2nd Degree $100 - $1,500
3rd Degree $1,500 - $15,000
Laceration Benefit (varies by length of
laceration)
$75 - $700
Broken Tooth Benefit
crown $300
extraction $150
filling $50
Medical Treatment and Services Benefits Category Comments
Ambulance
Ground $400
Air $1,250
Emergency Care Benefit
ER: $200
Physician's Office: $100
Urgent Care: $100
Non Emergency Initial Care Benefit $100
Medical Testing Benefit $200
Physician Follow-Up Benefit $100
Therapy Services Benefit $50
Medical Appliance Benefit $150 - $1,000
($1,000 Limit = Total per covered person, per
accident)
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Surgery Benefits Comments
Surgical Repair: $400 - $2,000
exploratory surgery without repair
(for any Surgery Benefit Procedure)
$200
Accident - Hospital Benefits Category Comments
Admission $1,500
ICU Supplemental Admission
(paid in addition to Admission)
$1,500
Confinement $300
ICU Supplemental Confinement
(paid in addition to confinement)
$300
Inpatient Rehabilitation Benefit $200
Accidental Death Benefits Category Comments
Basic Accidental Death Benefit
Can be removed
Employee $50,000
Spouse $25,000
Child $10,000
Accidental Death - Common Carrier Benefit
Employee $150,000
Spouse $75,000
Child $30,000
MetLife Advantages Offered at no additional charge
Will Preparation Services
Online will prep provided by SmartLegalForms to
create a binding will, living will or assign a
power of attorney
MetLife VisionAccess
Discount program provides a discount on eye
exams, glasses and frames, and laser vision
correction when visiting a participating private
practice
Digital Legacy (MetLife Infinity)
Create an account and upload, store and share
digital assets including pictures, videos, audio
files and documents. Share with family and
friends and set up a "trusted" individual who can
release collections if the user becomes unable to
do so
Funeral Discounts and Planning Services
Convenient funeral services planning designed to
make funeral arrangements and final wishes
defined in advance of need.
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Hospital Indemnity C2 Plan Design
Policy Specifications Comments
Group or Individual Group Hospital Indemnity
Rate Structure Composite Rates
Eligibility Full Time Employees Actively at Work. Spouse
& Dependent Children to age 26
Guaranteed Issue Yes
Waiting Period: No
Pre-Existing Condition None
Plan Benefit Level (Employee Choice) High
Portability Yes - benefit and rates remain the same
Benefit Reduction by Age None
Hospital coverage due to an accident or Illness Comments
Hospital Admission Benefit $1,000
(1 x per year)
All of the following benefit amounts and
durations can be modified.
Hospital Supplemental Admission Benefit $1,000
(1 x per year)
Hospital Confinement Benefit $200 per day
(15 days annual)
Hospital Supplemental Confinement Benefit $200 per day
(15 days annual)
Newborn Nursery Care Confinement Benefit $50/2 days
Inpatient Rehab Benefit
(up to 15 days per covered accident not to
exceed 30 days per calendar year)
$200 per day
Pregnancy Comments
Pregnancy (Routine Childbirth and
Complications) Yes
Elimination Period No
Surgery Benefits Category Comments
Inpatient Surgery Yes
Outpatient Surgery Yes
General Anesthesia Yes
Spinal and/or Epidural Anesthesia Available
Additional Care Benefits Category Comments
Ground Ambulance Available
Diagnostic Procedure Available
Emergency Room Available
Hospice Care Available
Skilled Nursing Facility Available
Home Care Available
Outpatient Intravenous (IV) Infusion Therapy Available
Outpatient Therapy Available
Physician Visit Available
Prescription Drug Available
Other Benefits Category Comments
Health Screening Benefit Yes
Childcare Benefit Available
Lodging Benefit Yes
Transportation Benefit Yes
Waiver of Premium Available
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Benefit Supplement Rider (Designated
Facility) Available for Healthcare Prospects/Customers
MetLife Advantages Offered at no additional charge
Will Preparation Services
Online will prep provided by SmartLegalForms to
create a binding will, living will or assign a
power of attorney
MetLife VisionAccess
Discount program provides a discount on eye
exams, glasses and frames, and laser vision
correction when visiting a participating private
practice
Digital Legacy (MetLife Infinity)
Create an account and upload, store and share
digital assets including pictures, videos, audio
files and documents. Share with family and
friends and set up a "trusted" individual who can
release collections if the user becomes unable to
do so
Funeral Discounts and Planning Services
Convenient funeral services planning designed to
make funeral arrangements and final wishes
defined in advance of need.
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
C2 Voluntary Benefits Offer 100-400 eligible lives segment
Thank you for including The Standard in the C2 Voluntary Benefits Strategy. Below please find an outline our offer for Accident, Critical Illness and Hospital Indemnity coverages along with our technology offerings.
Plan Design Highlights Accident Insurance Option 1: Enhanced Plan Eligibility: Employees working 20 hour per week or more
Employee and Spouses age 18-70; children birth through 26 No termination age while actively at work Non-Occupational Coverage $50 Annual Health Maintenance Screening $500 Auto Accident Benefit Unique product features
25% Youth Organized Sports Benefit Fractures and dislocations are paid as scheduled with no per accident cap
Commission: heaped or level 4 tiered rates 3 year rate guarantee – (case level claims experience not applicable on renewals; block managed)
Option 2: Same as Option 1 with 24-hour Coverage Line of Duty Benefit
Critical Illness Insurance Premier Plan
Eligibility: Employees working 20 hour per week or more Employee and Spouses age 18-70; children birth through 26
Coverage terminates at age 80 Employee $5,000 increments to $30,000 Spouse $5,000 increments to $15,000 Child covered at 50% of employee’s amount $30,000 GI for Employee $15,000 GI for Spouse Annual open enrollment with guarantee issue included No pre-existing conditions exclusion $50 Annual Health Maintenance Screening
Additional Occurrence Benefit included No Reoccurrence Benefit Unique product features
No lifetime maximum
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
No benefit reduction schedule 21 childhood diseases covered
Commission: heaped or level Attained age / Blended tobacco rates
3 year rate guarantee – (case level claims experience not applicable on renewals; block managed)
Hospital Indemnity Plan Employees working 20 hour per week or more Eligibility: Employee and Spouses age 18-70; children birth through 26 Coverage terminates at age 80
Plan 1: $100 Daily Hospital Confinement Benefit (15 days per confinement) $500 Hospital Admission Benefit $50 Daily CCU Confinement Benefit ($15 days per confinement) Plan 2: $200 Daily Hospital Confinement Benefit (15 days per confinement) $1,000 Hospital Admission Benefit $50 Daily CCU Confinement Benefit ($15 days per confinement) Plan 3: $300 Daily Hospital Confinement Benefit (15 days per confinement) $1,500 Hospital Admission Benefit $50 Daily CCU Confinement Benefit ($15 days per confinement) Annual open enrollment with guarantee issue No pre-existing conditions exclusion $50 Annual Health Maintenance Screening
Unique product features No waiting period for maternity claims Admission criteria is 20 hours in the ER and/or inpatient room Daily hospital confinement benefit begins on day one
Commission heaped or level 4 tiered rates 3 year rate guarantee – (case level claims experience not applicable on renewals) Note: There may be some variance due to state specific requirements.
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Technology Offering Benefit Technology Support Benefit Administration Technology Offsets are included for both Standard BenTech Partners and other Benefit Technology vendors as outlined below:
BenTech Partners: The Standard has negotiated BenTech offsets and enhanced integration with several vendors. Below please find the list of our current partners. (We will update you as we add additional BenTech partners in the future)
Ease Employee Navigator Empyrean bswift PlanSource Paylogix
Other Benefit Technology vendors For vendors that are not a Standard BenTech Partners we will include our Benefit Administration Technology Offset detailed in the below chart:
Navigator Mobile If Accident Insurance, Critical illness and Hospital Indemnity coverages are purchased together we will include our Navigator Mobile app at no cost to the customer.
Enrollment Conditions Requirement and Participation requirement The above offer is provided on the condition that the products are enrolled via an active enrollment strategy using one of the chosen C2 enrollment firms. Each line of coverage requires a minimum of 10 employees enrolled for the plan to become effective.
© C2 Solutions 2020
C2 WORKSITE SOLUTIONS
Ineligible Industries The below industries are ineligible for coverage or require the approval of underwriting to offer coverage.
Critical Illness and Hospital Indemnity DTQ Industries Exterminators/Pest Control Waste Disposal Seasonal Workers Fire Suppression Volunteer firefighters Mining Athletes and Entertainers Asbestos Offshore Oil &Gas Extraction
Accident Insurance Non- Occupational Coverage only can be offered to the following industries
Construction Companies Drilling Private Households Exterminators/Pest Control Sawmills Commercial Fishing Waste Disposal Roofing Companies Seasonal Workers Logging Agricultural Pilots Fire Suppression Pilots Search and Rescue Workers Sight-Seeing Pilots Railroad locomotive crews Riverboat Pilots / Captains Taxi services Volunteer firefighters Mining Athletes and Entertainers Asbestos Offshore Oil &Gas Extraction
High Turnover Industries – Require underwriting approval to quote AI CI or HI coverage Construction Liquor Stores
Taxi Services Trucking Gas Stations and convenience stores Florists Hotels Barber/Beauty Shops Nursing Homes Restaurants Long Haul Trucking Companies
C2 WORKSITE SOLUTIONS
© C2 Solutions 2020
Enrollment Solutions: Creating a Streamlined Process for a Strategic Partner
Overall Client Strategy o Target Client Size – 100 to 400 lives o C2 Solutions / Clarity Carrier Partners - Guardian, Standard & MetLife
Enrollment Solutions o Face-to-face, Telephonic and Self-Service o Telephonic provides most streamlined approach and quickest turnaround o Calls are recorded and archived for 7 years o New Hire Onboarding Services at no cost to the client
Clarity’s Technology Solutions o Multiple Platform Options - Employee Navigator, Ease & TeemWurk o Leave-behind enrollment system can be included with 1 x 1 meetings o Ability to connect with carriers via carrier exchange connections or EDI o Inexpensive solution – options for free technology depending on client needs
Service o Single Point of Contact starting with Implementation o Support with technology – both onboarding and ongoing service o Dedicated carrier relationships to assist with escalated carrier issues
Pre-Enrollment Solutions o Implementation timeline developed to allow for ample time to set up event o Project management software can be used internally or shared with
external partners to help manage enrollment processes and procedures
o Tailored emails, brochures, posters, payroll stuffers o White labeled benefits landing page: https://onlinebenefitsguide.com o Simplified communication for easy employee understanding o Online scheduling which eliminates hassles of paper sign-up sheets
Post-Enrollment Solutions o Employee survey results provided to broker and employer o Electronic file delivery on carrier specific templates o Transition from Open Enrollment to New Hire Onboarding o Technology training and ongoing tech support
Clarity Enrollment Solutions | 7825 Washington Ave S, Suite 710 | Bloomington, MN 55439 | www.clarityenroll.com
© C2 Solutions 2020
C2 WORKSITE SOLUTIONS
s
Company Profile
Background Capabilities Accreditations Stakeholders
- Founded in 1979
- Located in Glastonbury, CT
- 62 Operational Employees
- 61 Full-Time Counselors
- 32 Part-Time Counselors
- 121 Per Diem Counselors
- National in Scope
- Enrollment Services
- Onsite Counselors
- Benefit Service Center
- Self-Service
- Premium Services
- Reconcile & Remit
- Marketing Support
- Market Analysis
- Communication Support
- Development & Fulfillment
- Managed Services
- Technology
- Employee Navigator
- Selerix
- PlanSource
- Eligibility Management
- New Hire Onboard
- Offboard
- ACA
- Track, Measure, Report
- Compliance
- AICPA SOC 2 Type II
- HIPPA
- GDPR Compliant
- Security
- Encryption
- Audit Controls
- Isolated Control
- Privacy Control
- Preferred National
Enrollment Firm
- USI
- Brown & Brown
- C2 Solutions
- EFP
- Independently Owned
- Implementation Project
Team
- Account Manager Structure
- Domain Experts
- Broker/Consultant
- Primary distribution
channel
EFP at a Glance Mick Gebo, Senior Business Development Executive, EFP
© C2 Solutions 2020
C2 WORKSITE SOLUTIONS
Virtual Multi-Channel Call Center
People Capabilities Size/Industry Communications
- Average 8-years’ experience
- Licensed (LA&H)
- Ongoing Training
- Per Diem
- Located throughout the US
- English/Spanish Staffed
- Inbound/Outbound
- Cloud Based Scheduling Tool
- Client Specific Hub Micro-
Site
- Monday-Friday 8am-9pm
EST
- Weekends available
- Call recording
- Co-browsing
- Live Chat
- Screen and control sharing
- Texting
- Voicemail messaging
- Up to 75 varied language
assistance
- Industries
- Government
- Schools
- Healthcare
- Retail
- Manufacturing
- Technology
- Case Size
- 100-400
- Locations
- US (Hawaii & Puerto Rico)
- Communications
- Print and Electronic
- Brainshark
- Benefit Guides
- Benefit at a Glance
- Video
EFP at a Glance Mick Gebo, Senior Business Development Executive, EFP