About UBF Consulting UBF is a leading employee benefit and human resources consulting firm. We provide consulting solutions that manage risk, optimize talent, and transform organizations to become great places to work. The idea of UBF was borne out of a vision to represent the best interest of our clients and advise them on how to meet their human capital management needs through benefit and human resource strategies. What UBF Can Do for You Save Money UBF’s proprietary solutions optimize health plans with improved $0 deductible benefits, patient navigation to the best doctors and hospitals, pharmacy rebates, and near-site or on-site care. With a baseline savings that are often below current costs, our trends are more than half of typical industry trend. Save Time UBF’s solutions and employee benefit concierge service combine AI technology with a personal touch. Employees can elect to manage their plans through a mobile-ready application or they can call a UBF team member for personalized assistance. Expand Resources UBF provides in-house Human Resource solutions that are practical, focused on best-practices, and positions your organization to achieve success. A team of nationally recognized legal experts who ensure compliance in every facet of employment law also supports us. Create Great Places to Work UBF’s integrated benefits, population health and human resource solutions are geared toward helping companies create great places to work. Our programs and systems are evidence-based and help companies develop engagement, positivity, resilience, loyalty, and trust with their workforce. What Makes UBF Different Differentiator #1: We are a Health Rosetta Advisor As a Health Rosetta Advisor UBF helps organizations design and implement health benefits plans that are cost-effective, sustainable, and focused on improving the quality of care for employees. The Health Rosetta is a blueprint for health benefits that aims to address the inefficiencies and high costs of traditional healthcare systems. Health Rosetta Advisors use a set of principles and best practices to guide employers in transforming their health benefits strategies. These principles include: • Transparent and Accountable Healthcare • Aligned Incentives • Value-Based Purchasing • Employee Empowerment Differentiator 2: Proprietary Solution Set Most plan sponsors are stuck in the never-ending spiral of health plans that continue to deliver 5-8% annual increases. UBF’s solutions seek to end health insurance trend because they are configured to help members find the best possible care at the lowest possible cost. These solutions not only result in improved benefits but better healthcare outcomes. Differentiator 3: Master Level Consultants UBF consultants have worked for or represented Fortune 500 companies and well-known names like Mattel, Union Bank, and Bekins. These committed advisors are actively involved with both setting the strategy and seeing it through. And most importantly, our team is passionate about seeking solutions that serves the best interest of our clients.

With decades of experience supporting businesses, families, and clients of all sizes throughout the West and across the country, our team combines the expertise of prominent agencies who provide services in industries including technology, manufacturing, construction, real estate, cannabis, social services, and risk management compliance. Together, we serve clients as trusted advisors to protect their employees, assets, manage costs, mitigate risk, and achieve financial security. Designing creative and unique insurance and employee benefit solutions to create the greatest value for our clients is the mission that we dedicate ourselves to every day. Because of this relentless drive we are one of the largest insurance agencies on the West Coast and have partnered with some of the most dynamic companies on the most crucial aspects of business risk management and employee benefits.

The Bachan Group (TBG) is a NextGen Health Insurance Agency working with businesses throughout the Central Coast. Though our strategies are highly innovative, they’re built upon our old-school values and strong work ethic. TBG’s insurance roots stretch back to 1913 and the benefits team has over 100 years of combined experience that we are eager to put to work for you. OUR THREE UNIQUES 1. We focus on Self-funded benefits 2. We teach companies how to help their employees purchase their healthcare needs at a lower price 3. We show companies how to improve their profitability using their health insurance plan

Benefit Pro has been helping companies throughout San Diego and CA access, understand, and implement employee benefits and HR support. Our approach is unique and tailored, aligning our solutions with your growth strategies. While our services are proudly focused on Southern CA, we are recognized and respected on numerous levels nationwide. Benefit Pro’s exceptional performance record is the result of an extraordinary team dedicated to helping companies be their best without blowing their budget.

With over 35 years of expertise, Advanced Estate & Insurance Services (AEIS) is ready to help you find real solutions to your benefit problems. Partnering with AEIS means you’ll be working with an experienced strategist, advocate, and advisor to help you overcome your employee benefit challenges and more. By delivering customized benefits and removing the complexities of administering those benefits, we work with you create a place in which people love to work and succeed. We advise businesses with 2 to 500 employees on various types of insurance, which includes Medical, Vision, Dental, Disability, Life / AD&D, and Key Person and Buy-Sell Life Insurance. Being based in Silicon Valley, we are experienced with ensuring our clients’ out-of-state employees are properly covered and that their company complies with the employment and benefits laws of all necessary states.

CMA Insurance specializes in Employee Benefits for Small and Large Businesses. We separate ourselves from other firms by establishing a direct link to the employee with regard to benefits, coverage, change requests, and most important, claim issues. CMA Insurance Services, Inc. was founded in 1982 under the name of Corporate Marketing Insurance Associates, Incorporated. As our company grew in size, our name got shorter and eventually became CMA Insurance Services or simply CMA. ​Over the years, CMA has evolved into an insurance brokerage firm that specializes in the design and development of cost effective employee benefit plans for companies of all sizes. We do not want to meet your expectations, we want to exceed them. Our success and growth has been a result of providing our client with individual attention, exceptional service and the requirement that our carrier partners do the same. We take pride in being proactive, accessible and accountable.

InterWest offers insurance solutions to cover the medical expenses of organizations in the Merced, CA region. This includes voluntary benefits and comprehensive medical plans. Providing this kind of coverage can help to retain employees by rewarding them for their service. The market employs 45,700 people. Those who work in this area depend on their employer for many benefits, including health insurance. InterWest's Merced office has an M Score of 5 out of 5, representing a wide range of experiences. InterWest Merced is part of a regional brokerage firm that provides services to various regions with a local office in the Merced region. InterWest was founded in 1992 as the result of a merger between three large successful insurance brokerage firms located in Northern California.

Charton Financial Group strives to serve as a leading provider in the delivery of wealth management, risk management and employee benefit strategies. We define our role as advocates on behalf of affluent individuals, families and organizations who require highly specialized, comprehensively independent and integrated financial services. Charton Financial Group is proud to have served our clients for nearly four decades and in that time we are proud to have earned the reputation as qualified industry professionals. Our professionals share a singular focus centered entirely on advancing the interests of our clientele. We take great pride in the scope and depth of our organization which enables us to remain authentic to our mission, employ our guiding core values and pursue the greatest impact in support of our client objectives. As we partner with our clients to understand their specific needs, goals and visions, we leverage our independent business model to offer our clients holistic planning and access to a broad universe of robust experience, products and services. This client centric model empowers us to bring together dynamic innovation, preferred relationships, advanced resources and extensive decision and implementation support services. In that spirit, we aim to empower our clients to preserve what is important, inspire the creation, seek growth and preservation of assets, effectively manage risk and to help organizations advance their human and financial capital. We endeavor to bring our individual and corporate clients balanced strategies to help them prosper long term and Envision Optimized Returns In Life ®

Heffernan Insurance Brokers is an independent insurance agency big enough to compete with direct writers, but still small enough to provide boutique personal service. With a strong commitment to community, Heffernan gives back 22% of profit to charity. Being 100% employee-owned, we get to know you and your business because you’re different. With Heffernan Insurance Brokers, you can access your entire Employee Benefits Program, contacts, services and questions in one beautiful healthcare app! See reviews and co-pay costs, book appointments, track expenses, telehealth visits, deductible tracking and so much more! What makes us different: Employee centric service approach. Compliance and ERISA. Customized alternative funding options. Free BenAdmin System. Full vetting service for all HR needs. Annual reporting services. Fiduciary financial service team. Over 750 carrier partners for Work Comp and General Liability. True one stop servicing.

With decades of experience supporting businesses, families, and clients of all sizes throughout the West and across the country, our team combines the expertise of prominent agencies who provide services in industries including technology, manufacturing, construction, real estate, cannabis, social services, and risk management compliance. Together, we serve clients as trusted advisors to protect their employees, assets, manage costs, mitigate risk, and achieve financial security. Designing creative and unique insurance and employee benefit solutions to create the greatest value for our clients is the mission that we dedicate ourselves to every day. Because of this relentless drive we are one of the largest insurance agencies on the West Coast and have partnered with over a thousand of the Bay Area's most dynamic companies on the most crucial aspects of business risk management and employee benefits. In addition, we have thousands more individual policyholders that receive the same attention to detail for their personal risk management needs.

InterWest Sacramento is part of a regional insurance brokerage firm serving several areas, with a local office in the Sacramento region. InterWest was founded in 1992 as a result of the merger of three large successful insurance brokerage firms located in Northern California. Their aggressive entrepreneurial and acquisition efforts have extended our footprint into Central California and the San Francisco Bay Area. The InterWest Sacramento office has an M Score of 5 which is the highest M Score possible based on wide experience with business clients and positive customer feedback. With total employment in the Sacramento-Roseville-Arden-Arcade, CA, market nearing 743,000, employee benefits play an important role in choosing between employers. InterWest offers medical insurance, voluntary benefits, and other services.