The Horton Group began in 1971 as a single location, eight-person insurance agency in Orland Park, Illinois. Today, Horton is a large, stable insurance broker that delivers complex solutions to thousands of customers. The company currently features seven offices in four states. Horton provides businesses with a value proposition – tangible services – that other brokers do not match. Additionally, The Horton Group utilizes a professional approach in managing the Company’s core business operations. This unique combination of service capabilities and business excellence gives Horton’s clients real value when compared to what competing insurance brokers can offer. The Horton Group does not take its success for granted. Through continuous improvement and innovation, the Company is able to develop superior risk and benefit programs for clients who are leaders in their field. In the areas of risk management, insurance and employee benefits, Horton provides programs and methodologies that are proven to lower costs and increase value. Horton adds to its service capabilities through acquisitions and new venture opportunities. These strategies, along with the Company’s tools, techniques and talent, come together to form Horton’s aggressive, growth-oriented culture of quality.

The Nesbit Agencies, Inc. is a family owned and operated group of independent insurance agencies. Founded in 1974 by Ross Nesbit and headquartered in Minnetonka, MN, we have progressed from a one man shop to 14 locations and growing! Experienced staff, centralized marketing, strong carrier relationships and a client first commitment has helped us become one of the largest agencies in the Midwest.

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

Associated Financial Consultants & Investor Services is dedicated to the creation and conservation of lifetime assets. We provide financial solutions to complex situations and challenges that are easy to digest, understand, strategize from and most importantly execute, track and adapt to. Our clientele consists of a wide variety of individuals, who are both well-established or establishing themselves, and companies of all sizes, both local and national. We believe that every individual and company is unique – such as ourselves – with a wide array of goals and challenges throughout multiple stages, whether it’s finding success, during success or with continuing success. Therefore, every solution needs to be tailored and customized with a unique approach. Associated prides itself on being independent for over 40 years, and it’s our goal to continue helping others remain unique and independent for many generations to come. ### Please see my website for additional information and disclosures. Third party comments may not be representative of all customer experiences. Securities by licensed Individuals Offered Through Securities America, Inc. A Registered Broker/Dealer Member FINRA, SIPC The accuracy and authenticity of the information is reliant solely on the author and/or third parties and not by Securities America, Inc. nor its affiliates. Any information represented should be for illustrative and educational purposes only and not to be considered investment advice.

America’s TPA has merged with HealthEZ to form the new HealthEZ, the simple solution to employer health benefits. When our founder created HealthEZ's simplified medical statement and payment system in 1997, we knew we had a great new service with a great name. And now – after receiving such positive feedback for such a long time about the way HealthEZ simplifies the medical payment process – we've come to the conclusion that HealthEZ is not just an additional service provided by America's TPA, but rather a completely different approach to the way health benefits are administered.

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.

BENEUSA LLC is an Employee Benefit General Agency based out of 261 School Avenue, Suite 350 / Excelsior, Minnesota, United States. We cater to insurance brokers and their organizations by marketing their prospects and preparing a customized presentation.

Flagship Insurance Services, LLC is a local insurance broker located in Winsted, Minnesota. With a deep understanding of the insurance industry, they have developed a strong reputation for their expertise in serving self-funded employers. An excellent example of their successful work is their collaboration with Alliant Engineering, Inc., a prominent employer in the architectural, engineering, and related services industry. By partnering with Alliant's HR and finance team, Flagship Insurance Services, LLC devised a tailor-made self-funding arrangement that perfectly addressed the unique needs of their 110 members. As a trusted insurance broker, Flagship Insurance Services, LLC extends its services to a diverse range of clients, particularly midsize employers. Notable clients of their Winsted office include Forklifts of Minnesota Inc, Security Bancshares Company, and Southdale Pediatric Associates. Operating throughout Minnesota, this office has gained a remarkable reputation, evident in their impressive M Score. Their extensive experience and expertise across various client sizes and industries have contributed to their standing as one of the top brokerages in the Hutchinson, MN market. Flagship Insurance Services, LLC possesses substantial knowledge and specialization in sectors such as physicians' offices, architectural and engineering services, and paint, coating, and adhesive manufacturing industries. Their commitment to delivering exceptional insurance solutions and personalized service has earned them the trust and loyalty of their clients. Whether it's providing comprehensive coverage, managing claims, or offering strategic guidance, Flagship Insurance Services, LLC stands as a reliable partner for businesses seeking effective insurance solutions in the Winsted area and beyond.

Bridget Faber, based out of St. Cloud, Minnesota, stands out as a distinguished insurance broker, particularly adept in collaborating with local and regional employers. Specializing in medical and ancillary benefits, Bridget Faber's office demonstrates a nuanced understanding of diverse industry needs and tailors its services accordingly. This expertise is evident in their impressive portfolio of top customers. A notable example is their work with All Flex Solutions, a key player in the semiconductor and electronic component manufacturing industry. Servicing over 180 participants, Bridget Faber has effectively addressed the unique insurance needs inherent to this tech-centric sector. Another significant client is Bayer Built Woodworks, belonging to the lumber and construction materials merchant wholesalers industry. With more than 340 participants under their care, Bridget Faber has successfully navigated the complex insurance requirements of the construction and lumber sector. Additionally, Granite Tops, a company in the nonmetallic mineral product manufacturing industry, benefits from Bridget Faber's specialized services for its 80+ participants. This relationship highlights the broker's ability to scale and adapt its offerings to various company sizes and industry demands. As part of a local brokerage firm, Bridget Faber's office brings a personal touch and localized insight to their services, ensuring that their clients receive tailored solutions that align with their specific industry challenges and regional nuances. This local focus, combined with their wide-ranging expertise, positions Bridget Faber as a reliable and knowledgeable partner for employers seeking comprehensive and customized insurance solutions in St. Cloud, MN.

Preferred Concepts provides premier coverage solutions focused on the real estate industry. We are backed by decades of experience insuring a broad array of property types via a novel and contemporary approach to underwriting.