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

Mayer Insurance Agency, a local insurance broker headquartered in Apple Valley, Minnesota, is renowned for its exceptional customer service and expertise. With a strong presence across the state, this office of Mayer Insurance Agency caters to a diverse range of clients, providing comprehensive insurance solutions tailored to their unique needs. Among their esteemed employer clients, Tealwood Senior Living and Senior Care Communities LLC stand out as prime examples. Mayer Insurance Agency has demonstrated its commitment to excellence by working closely with Tealwood Senior Living, a prominent employer in the health care and social assistance industry. Collaborating with their HR and finance team, Mayer Insurance Agency set up a customized self-funding arrangement designed specifically to address the unique needs of Tealwood's 700 members. The expertise of Mayer Insurance Agency extends beyond their work with Tealwood Senior Living. They possess in-depth knowledge of the health care and social assistance industries, enabling them to offer specialized insurance coverage and risk management solutions. Their strong understanding of the intricacies of these sectors allows them to effectively navigate the challenges faced by their clients and provide tailored insurance plans. With their office located in Apple Valley, Mayer Insurance Agency has established itself as a trusted partner in the local business community. Their commitment to customer satisfaction and their ability to deliver personalized insurance solutions have garnered high praise from clients across the state. Whether working with large or midsize employers, Mayer Insurance Agency is dedicated to providing top-notch service and expertise in meeting their clients' insurance needs.

Ellingson Insurance Group is a broker of insurance located in Rochester, MN. Ellingson Insurance Group has been helping its clients with their insurance plans since 1977. The company strives to provide great service and is dedicated to giving its clients individualized, quality care and excellent rates. The knowledgeable agents at Ellingson Insurance Group in Rochester work with a wide range of industries and businesses throughout the greater Minnesota area.

We believe that everybody deserves a workplace culture that supports their total well-being through benefits. Since 2006, Empyrean has provided hundreds of employers of varying size, industry, and benefit plan complexity with the innovative technology and best-in-class service necessary to accelerate their benefits strategies and bring their benefits programs to life. Empyrean’s platform and services are designed to create connected employee benefit experiences that enrich lives, strengthen employer brands, and improve workplace cultures for over 5 million people. With our +YOU solution, clients can deliver a holistic employee experience to help HR and benefit leaders simplify the work technology stack for all of the HR initiatives designed to improve employee productivity, well-being, and retention. Visit us at goempyrean.com.

North Risk Partners is an independent insurance brokerage and risk management advisory firm specializing in strategic solutions for businesses and individuals. Our firm’s core areas of service are property and casualty, including commercial, home, auto, farm, and more; and benefits, including medical and ancillary plans for employee benefit programs as well as individuals and families. North Risk also has a significant surety bonds practice. Our team is committed to helping clients face risk head-on with right-fit insurance coverage and attention to opportunities for preventing avoidable losses. For businesses, we have programming and compliance support in the areas of human resources, safety, worksite wellness and more. North Risk Partners is one of the largest, privately owned independent insurance agencies in the Midwest with over 400 employees serving our clients from 31 locations across five states: Minnesota, Iowa, Nebraska, North Dakota, and South Dakota. Learn more at northriskpartners.com or connect with us on Twitter and Facebook. Twitter: https://twitter.com/NorthRisk Facebook: https://www.facebook.com/NorthRiskPartners/

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.

We work mainly with other business owners on their financial and estate planning. Scott also does the design work on the benefit plans for their companies while my staff manages and helps with the details of the complex administration. The Morgan Planning Group,LLC is dedicated to providing assistance and advice to each and every customer. Scott and his staff pride themselves in establishing personal, long term relationships with their clients. Services provided through The Morgan Planning Group,LLC include but are not limited to: Group Employee Benefits • Group Health • Group Ancillary Benefits • Life, Vision, Disability, Dental • Administration & COBRA implementation

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.

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

Independent agency dedicated to the best interest of our customers and our community. We have over 15 different insurance carriers which enables us to write almost any risk exposure. Our companies are all financially solid with excellent claim response. Maguire Agency has protected the livelihoods of individuals and families, corporations, and nonprofit and civic organizations since 1928, when Joseph Maguire founded the agency to represent State Farm in Minnesota. After Joseph’s passing, his sons, Bernard and Phil, took over the business and became independent insurance agents. In 1960, Charles E. Clysdale joined the agency and subsequently acquired the company after the retirement of the Maguire brothers. In 1977, the agency in its current form came into existence through the merger with another agency and the association of Wallace H. Russell. Matthew J. Clysdale, who joined the company in 1994 after starting his career with The St. Paul Companies, owns and leads the agency today, continuing its history as a local independently owned business. Through the years, Joseph Maguire’s founding philosophy hasn’t changed: People and companies deserve talented, knowledgeable professionals to advise them on managing risk.