Direct Benefits, Inc is a highly regarded local insurance consultant, operating out of their office in Saint Paul, Minnesota. With a focus on serving clients of all sizes, including large, midsize, and small employers, they offer comprehensive insurance solutions tailored to meet their specific needs. A notable example of their expertise can be seen through their partnership with Cliff Viessman Trucking, Inc, a leading employer in the general freight trucking industry, boasting 380 members. Direct Benefits worked closely with Cliff Viessman Trucking's HR and finance team to establish a self-funding arrangement, as well as a tailored Preferred Provider Organization (PPO) plan, Pharmacy Benefit Manager (PBM), and drug plan that catered specifically to the unique requirements of their members. Direct Benefits, Inc demonstrates a wealth of experience in working with self-funded clients, highlighting their expertise in managing such programs effectively. Additionally, they have a strong track record of collaborating with clients to meet their needs and achieve optimal results, particularly in the realm of PPO plans. Their partnerships with PBMs and other pharmacy providers further underscore their commitment to delivering comprehensive healthcare solutions. Operating across multiple states, including Minnesota, North Dakota, South Dakota, Nebraska, Iowa, Oregon, Michigan, Georgia, and Colorado, Direct Benefits, Inc serves a diverse client base. Some of their notable employer clients include American Bancor, Ltd., Cliff Viessman Trucking, Inc, Crosscountry Courier Inc, and Kaeding Management Group. Direct Benefits, Inc prides itself on their

Westlund Associates is a machinery company based out of 102 Main St S # 206, Hutchinson, Minnesota, United States.

Dattilo Consulting, Inc. helps companies and their employees thrive through affordable benefit plans and related services. Headquartered in the West Metro (Chanhassen, MN) we specialize in comprehensive employee benefits consulting and services for companies in the broader St. Paul and Minneapolis area. BENEFITS CONSULTING DCI clients spend 49% less on benefits than the national average. Employees spend 21% less. We help you navigate company health insurance plans, develop strategies to reduce healthcare costs, evaluate health insurance pricing models, and find the right mix of employee benefits to keep your competitive edge. ■ Group health insurance benefits - Including BENIC plan (benefiting employees not insurance companies) ■ HSA (Health Savings Account) ■ HRA (Health Reimbursement Arrangements) ■ Copay health insurance ■ Company Dental Insurance plans ■ Group Life Insurance ■ Employee disability plans ■ Vision Plans ■ Voluntary Benefit Plans ■ Cafeteria plans - POP (Premium Only Plans) - FSA plans (Flexible Spending Accounts) - DCAP (Dependent Care Assistance Plan) HR CONSULTING & SUPPORT A common fear we hear from Controllers and HR Directors is dropping the ball and creating liability for their company because there isn’t enough time or help to get everything done. We bring order to chaos by helping you with simple day to day operations like onboarding and offboarding, open enrollment, health plan administration, and regulatory compliance. ■ Offboarding (employee termination) ■ Open enrollment (electronic and paper materials, in-person meetings, digital distribution) ■ HSA, HRA, and FSA plan administration ■ HR Compliance management - COBRA administration - Affordable Care Act (1094C, 1095C) - CMS (Centers for Medicare & Medicaid Services) Reporting - 5500 filings - Document storage and organization - Department of Labor (DOL) audit reports If you need help implementing or managing benefits, give us a call! (952) 448-8800

What makes Lockton stand apart is also what makes us better: independence. Lockton's private ownership empowers its 10,000+ Associates doing business in over 125 countries to focus solely on clients' risk and insurance needs. With expertise that reaches around the globe, Lockton delivers the deep understanding needed to accomplish remarkable results. For 14 consecutive years, Business Insurance magazine has recognized Lockton as a "Best Place to Work in Insurance." Lockton was named among the 2022 Best Managed Companies by Deloitte and the Wall Street Journal, a program that recognizes excellence and honors private companies for their strategy, execution, culture, and financials.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 9,000 colleagues and 160 offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $2 billion in annualized revenue, making it one of the largest brokerage operations in North America.

AssuredPartners: Your Trusted Insurance Broker in Duluth, Minnesota Located in Duluth, Minnesota, AssuredPartners is a national insurance broker known for its exceptional services and expertise. With a strong focus on meeting the unique needs of their clients, they have established themselves as a reliable partner in the insurance industry. One shining example of their successful work is their collaboration with TBI Residential & Community Services, a prominent employer in the health care and social assistance sector, boasting 230 members. AssuredPartners worked closely with TBI's HR and finance team to set up a self-funding arrangement, a specialized pharmacy benefit management (PBM), and a drug plan tailored specifically to the needs of their members. AssuredPartners has extensive experience working with self-funded employers, as well as a deep understanding of HMOs and their clients' diverse requirements. They have established solid relationships with PBMs and other pharmacy providers, allowing them to offer comprehensive solutions to their clients. Serving a wide range of clients, including large, midsize, and small employers, AssuredPartners has earned a stellar reputation in the industry. Some of their notable employer clients in the Duluth area include LHB Inc, Mada Insurance Incorporated, The Lakes Community Health Center Inc, and Duluth Regional Care Center. Their services extend throughout Minnesota and Wisconsin, catering to a diverse clientele. Boasting a commendable M Score, AssuredPartners' expertise spans various sectors, excluding public administration. They are particularly well-versed in serving the needs of the health care and social assistance industries, as well as utility system construction. In the Duluth, MN market, AssuredPartners stands among the top brokerages, thanks to their extensive experience and exceptional customer service, which has garnered high praise from satisfied clients. When it comes to insurance brokerage, AssuredPartners is your trusted partner, offering a wide range of services tailored to meet your specific needs

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 9,000 colleagues and 160 offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $2 billion in annualized revenue, making it one of the largest brokerage operations in North America.

Pharos Employee Benefits, Inc. is a reputable local insurance broker with an office in Eagan, Minnesota. Known for their exceptional customer service and expertise, they have received high ratings from clients. With a focus on serving clients across Pennsylvania, they cater to a diverse range of employers, including midsize and small businesses. One notable example of their work is their collaboration with Universal Services Inc, a 150-member employer in the specialty trade contractors industry. Working closely with the HR and finance team at Universal Services Inc, Pharos Employee Benefits, Inc. provided tailored insurance solutions to meet their unique needs. With a client portfolio that includes Universal Services Inc and Ellie Family Services, Pharos Employee Benefits, Inc. has built strong relationships with employers in various industries. Their office in Eagan, Minnesota allows them to efficiently serve their clients and provide personalized insurance consulting services. Pharos Employee Benefits, Inc. possesses a deep understanding of specialty trade contractors and health practitioners industries, showcasing their expertise in these sectors. Their knowledge and experience enable them to develop comprehensive insurance solutions that align with the specific requirements of their clients. As a local insurance broker, Pharos Employee Benefits, Inc. is committed to delivering exceptional service and expertise to midsize and small employers. Their office in Eagan, Minnesota acts as a hub for their operations, ensuring efficient and effective support for their clients' insurance needs. Overall, Pharos Employee Benefits, Inc. is a trusted partner for businesses in need of insurance solutions in Pennsylvania. With their strong expertise, commitment to customer service, and track record of success, they continue to establish themselves as a reliable choice in the industry.