USI Consulting Group (USICG), an industry leading, full-service retirement plan consulting and benefits administration firm, has been helping employers enable their workforce to successfully plan and invest for retirement for over 45 years. What makes us unique is our depth of invaluable resources solely focused on the retirement plan market – delivering independent, comprehensive guidance and innovative, flexible retirement plan solutions to meet the changing needs of employers and their employees. Our integrated team of highly skilled professionals provides specialized expertise in retirement plan, investment, actuarial and benefits consulting for over 3,800 clients across the United States. Our clients consist of public and private sector employers, not-for-profit organizations, as well as Fortune 500 companies. USICG is a wholly-owned subsidiary of USI Insurance Services (“USI”) – the second largest privately-held insurance broker in the United States. Investment Advice for certain institutional accounts is provided by USI Advisors, Inc., a SEC registered investment advisor. 860.633.5283. Securities offered through USI Securities, Inc., a SEC registered broker-dealer. Member FINRA/SIPC (for more information on membership, please go to www.FINRA.org and www.SIPC.org). Broker-Dealer Office of Supervisory Jurisdiction: 95 Glastonbury Blvd., Suite 102 | Glastonbury, CT | 06033 | 860.652.3239. Both USI Advisors, Inc. and USI Securities, Inc. affiliates of USI Consulting Group: none of which offer legal or tax advice. Investment advisory firms, broker-dealers and/or their representatives may only transact business and/or respond to inquiries in jurisdictions in which they are properly registered and/or licensed. The information provided within this website is not investment, securities or insurance advice and does not constitute an offer or solicitation. (06-2013)

Supplemental Benefits Exchange is a reputable insurance broker with a strong presence in Plymouth, Michigan. With extensive experience catering to the needs of large and midsize employers, Supplemental Benefits Exchange has established itself as a reliable partner in the insurance industry. Their expertise particularly shines when working with self-funded employers, utilizing their knowledge to provide tailored solutions and deliver value to clients. One standout example of their capabilities is their successful collaboration with Ciena Healthcare, an employer in the health care and social assistance industry. Supplemental Benefits Exchange worked closely with Ciena Healthcare's HR and finance team to implement a self-funding arrangement, PPO plan, pharmacy benefit management, and drug plan specifically designed to address the unique requirements of their 10,440 members. Supplemental Benefits Exchange's commitment to excellence is further demonstrated by their impressive M Score, reflecting their vast experience and proficiency in serving clients across various sizes and industries. Their expertise extends to personal services, automobile dealerships, as well as ship and boat building industries. Operating in Michigan, this particular location of Supplemental Benefits Exchange caters to a diverse range of clients, including notable employers like Avalon & Tahoe, Big River Steel, Ciena Healthcare, and Dynamic HR Inc. With their local presence and deep understanding of the region, Supplemental Benefits Exchange is well-positioned to provide comprehensive insurance solutions that meet the specific needs of Michigan-based businesses. Overall, Supplemental Benefits Exchange is a trusted insurance broker with a strong track record, a wide range of expertise, and a commitment to delivering exceptional service to their clients

Modi Financial, LLC, located in the heart of Detroit, MI, stands out as a reliable insurance broker with a track record of excellence in catering to the diverse needs of employers. With a focus on serving both local and regional businesses, this office boasts extensive experience in handling self-funded clients. Their expertise extends to midsize employers, showcasing a nuanced understanding of the unique challenges and requirements of businesses within this category. One notable feather in their cap is their successful partnership with Decisionone Corporation, a prominent player in the professional, scientific, and technical services industry based in PA. Modi Financial, LLC has seamlessly managed the insurance needs of Decisionone Corporation, which boasts a workforce of 290+ participants. This accomplishment underscores the broker's ability to navigate the complexities of specific industries while ensuring comprehensive coverage for a sizable employee base. As a key player in the local brokerage scene, Modi Financial, LLC, leverages its local knowledge and connections to provide tailored insurance solutions. Their commitment to excellence is evident in their collaborative approach, ensuring that each client receives personalized attention and optimal coverage. With a focus on midsize employers and a proven track record of success, Modi Financial, LLC, Detroit, is a strategic choice for employers seeking a trusted partner in navigating the intricacies of insurance benefits.

Naile Palaj's Adrian, MI location stands out as a reputable insurance broker, specializing in delivering expert services to local and regional employers. With a keen focus on medical and ancillary benefits, this office boasts a profound understanding of the unique needs and challenges faced by businesses in the area. One of Naile Palaj's notable achievements is its successful partnership with Dominion Technologies Group, a key player in the general purpose machinery manufacturing industry. This collaboration has seen Naile Palaj providing comprehensive insurance solutions to over 320 participants within the company. Such a significant client relationship underscores the broker's ability to cater to the diverse needs of sizable organizations. Situated within a local brokerage firm, Naile Palaj's Adrian office leverages its community connections to provide personalized service and tailor-made insurance solutions. The team's commitment to understanding the intricacies of the local market ensures that employers receive not only competitive options but also insights that align with the region's specific dynamics. With a proven track record in serving businesses of varying sizes, Naile Palaj's Adrian, MI location emerges as a reliable partner for employers seeking top-notch expertise and customized insurance solutions in the ever-evolving landscape of employer benefits.

Richmond Agency's Jackson, MI location stands out as a trusted insurance broker with a strong focus on serving local and regional employers. With a robust understanding of the unique needs in the medical and ancillary benefits landscape, this office has become a go-to resource for businesses in the area. A key strength of Richmond Agency lies in its deep expertise in catering to midsize employers. This is evident in their successful partnerships with notable clients, such as Mid-America Machining, a prominent player in the professional, scientific, and technical services industry. With over 210 participants, Richmond Agency has demonstrated its ability to tailor comprehensive insurance solutions to meet the specific requirements of sizable organizations. Another noteworthy client is Spartan Light Metal Products, a leader in the fabricated metal product manufacturing industry based in MO, boasting over 110 participants. The agency's proven track record with such diverse clients underscores its adaptability and effectiveness in navigating the intricacies of different industries. Operating as part of a local brokerage firm, Richmond Agency's Jackson, MI location seamlessly integrates local insights with industry expertise. Employers in the region can rely on this broker for tailored, high-quality insurance solutions that address the evolving needs of their workforce.

Independent Financial Group, LLC is a securities and investment firm offering personalized services to individuals and institutional investors through our team of independent financial professionals. Our representatives offer professional advice and investments, including mutual funds, annuities, life insurance, fee-based asset management, direct participation programs, and stocks and bonds. Our commitment is directly to the independent investment representative. Therefore, Independent Financial Group offers no proprietary investment products. This enables our affiliated representatives to focus on their client’s individual goals and objectives without concerns about specific product quotas and corporate mandated sales goals. Independent Financial Group processes direct business accounts held through major mutual funds and insurance companies, as well as brokerage business through our clearing partner, Pershing, LLC. Independent Financial Group is a national independent broker–dealer firm with corporate headquarters in San Diego, California. Securities and advisory services through Independent Financial Group, LLC, a registered investment adviser. Member FINRA/SIPC.

M&M Benefit Group is a highly reputable local insurance broker with an office situated in Novi, Michigan. Their unwavering commitment to exceptional customer service and expertise has earned them high ratings and positive reviews from clients. With a focus on serving clients of large and midsize employers, M&M Benefit Group has established itself as a trusted partner in the insurance industry. An exemplary illustration of M&M Benefit Group's capabilities lies in their collaboration with Success Mortgage Partners, Inc., a prominent employer in the offices of real estate agents and brokers industry with 750 members. M&M Benefit Group worked closely with the HR and finance team of Success Mortgage Partners, Inc. to create customized insurance solutions tailored to the unique needs of their members. This included the setup of a comprehensive HMO plan, PPO plan, PBM, and drug plan, ensuring comprehensive coverage and benefits for their employees. In addition to Success Mortgage Partners, Inc., M&M Benefit Group also serves esteemed employer clients like Kaul Safety International D/B/A Choctaw-Kaul Distribution. Their expertise spans across various industries, including offices of real estate agents and brokers and miscellaneous nondurable goods merchant wholesalers. With a strong presence in Pennsylvania, the Novi office of M&M Benefit Group extends its top-notch services to clients in the state. Their local expertise and dedication to delivering tailored insurance solutions have solidified their position as a reliable partner for large and midsize employers in Pennsylvania and beyond.

Fishco Inc's Bryan, OH location stands out as a prominent insurance broker, boasting a sizable office equipped to meet the diverse needs of clients. With a strong focus on employer benefits, this location has successfully serviced a variety of industries, including automobile dealers, nursing and residential care facilities, and natural gas distribution. Their extensive experience with self-funded clients underscores their proficiency in tailoring insurance solutions to meet the unique demands of local and regional employers. As a testament to their capabilities, Fishco Inc has cultivated relationships with top-tier clients, such as Fairlawn Haven in the nursing and residential care facilities sector with over 70 participants, Jim Schmidt Chevrolet - Pontiac Buick in the automobile dealers industry boasting 80+ participants, and Kwest Holdings in the heavy and civil engineering construction industry, where they serve a substantial workforce of 250+ participants. What sets this Fishco Inc location apart is its affiliation with a local brokerage firm, providing clients with personalized attention and in-depth knowledge of the regional insurance landscape. Demonstrating a track record of success, they showcase expertise in catering to both midsize and small employers, making them a versatile and reliable partner for businesses seeking comprehensive and tailored insurance solutions.

Mark Ponder Health Insurance Adviso, located in Detroit, MI, is a prominent insurance broker specializing in employer benefits. With a strong focus on medical and ancillary benefits, they have established themselves as a reliable partner for local and regional employers. Their expertise in tailoring benefit packages to meet the unique needs of businesses in the motor vehicle and motor vehicle parts and supplies merchant wholesalers industry is particularly noteworthy. Mark Ponder Health Insurance Adviso's track record includes serving top-tier clients like Daimay North America Automotive, a major player in the motor vehicle and motor vehicle parts and supplies merchant wholesalers industry in Michigan. Their ability to design and manage benefit programs for organizations with 50+ participants showcases their commitment to delivering comprehensive solutions. What sets this office location apart is its deep-rooted connection to the local community. As a part of a local brokerage firm, they possess insider knowledge of the Detroit business landscape and have established strong relationships with local employers. This local expertise allows them to offer tailored, cost-effective solutions that align with the unique needs of businesses in the area. Mark Ponder Health Insurance Adviso's dedication to serving the needs of employers, their specialization in the motor vehicle industry, and their local ties make them a valuable choice for businesses seeking expert guidance in navigating the complex world of employee benefits.