At Mercer, we believe in building brighter futures. Together, our 25,000 employees in over 130 counties are helping redefine the future of work, reshape retirement and investment outcomes, and unlock real health and well-being. For over 75 years, we’ve provided trusted advice and solutions to build healthier and more sustainable futures for our clients, colleagues and communities. Balancing economics and empathy in our approach, we work side by side with you to find solutions to benefit your people and your business. By turning ideas into actions that spark positive change, we help you enrich employees’ lives and careers and drive innovation, progress and performance. Mercer is a business of Marsh McLennan. Get to know us better: Click the “learn more” button at the top of the page to discover everything we do to help you meet the needs of today and tomorrow. Follow us on Twitter at @Mercer.

Peoples First Insurance is one of Florida’s oldest and most respected independent insurance, bonding and risk management providers. Our rich history started OVER 100 years ago in June 1912 when Black Insurance Agency was formed. Peoples First Insurance acquired the Agency and its staff in 2000, and merged core values of providing the best insurance solutions while having the most satisfied customers. These core values continue to live today with trained professionals that carry many of the highest designations within the insurance industry. Our plan is to continue to provide new and innovative ways of offering proactive insurance, bonding and risk management services to meet the unique needs of our clients and those in our community. There is over 215 years of combined Insurance experience in our Panama City office and we are currently licensed in 7 states. Peoples First Insurance wrote over $16,500,000 in Property and Casualty premiums last year ranging from small commercial buildings to large Multi-Property Management companies. We are the top producing Insurance Agency in Bay and surrounding counties. Our message will not change and we continue to hold on to our roots planted almost 100 years ago. We are fundamentally in the business of building long term relationships. Our mission is simple… “To be the number one insurance, bonding and risk management provider in our community by offering service, value and integrity that exceeds our client’s expectations. Our mission is simple…”To be the number one insurance, bonding and risk management provider in our community by offering service, value and integrity that exceeds our client’s expectations.” Our belief is strong…”We are fundamentally in the business of building long term relationships.” Our number one core value…”To have the most satisfied customers.” Our name is our pledge…We Put People First

HUB International is a renowned national insurance consultant, with an office conveniently situated in Columbia, South Carolina. With a wide-ranging portfolio of clients, they cater to large, midsize, and small employers. Leveraging their extensive expertise, HUB International excels in collaborating with self-funded employers, HMOs, and PPOs to effectively meet the unique needs of their clients. Additionally, they boast substantial experience working with PBMs and other specialized pharmacy providers. The Columbia office of HUB International exemplifies their exceptional capabilities by successfully partnering with Florida Heart Associates, a prominent employer in the offices of physicians industry, consisting of 90 members. By closely collaborating with the HR and finance team, HUB International efficiently established tailored HMO, PPO, PBM, and drug plans to suit the distinct requirements of the members. HUB International's stellar reputation is further reinforced by their remarkable M Scores, reflecting their unparalleled experience and expertise across various client sizes, industries, and products. They possess strong specialization in industries such as offices of physicians and nondepository credit intermediation. Serving clients across Florida and South Carolina, this particular HUB International location in Columbia has formed strategic partnerships with notable employers including Environmental Pest Service LLC, Haile Gold Mine, Kiswire, and Lexington Medical Center. Through these associations, HUB International continues to provide comprehensive insurance solutions, ensuring their clients receive optimal coverage tailored to their specific needs.

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

Ruffin Insurance Solutions, Inc is a prominent local insurance broker based in Charlotte, North Carolina, catering to clients of large employers across multiple states including Tennessee, Arkansas, Missouri, Mississippi, Georgia, Alabama, and North Carolina. With their specialized expertise in the information industry, Ruffin Insurance Solutions, Inc has established a reputation for providing exceptional insurance services to a diverse range of clients. One notable example of their exemplary work is their collaboration with FloQast, a reputable employer in the information industry with 370 employees. Ruffin Insurance Solutions, Inc partnered closely with FloQast's HR and finance team to devise a tailored self-funding arrangement specifically designed to meet the unique needs of FloQast's members. This collaboration demonstrated their commitment to understanding and addressing the distinctive requirements of their clients. At their Charlotte office, Ruffin Insurance Solutions, Inc has successfully built a strong client base that includes renowned employers like FloQast. Their extensive experience in serving clients across the information industry has equipped them with the necessary expertise to navigate the complexities and nuances of this sector. Ruffin Insurance Solutions, Inc strives to provide comprehensive insurance solutions that safeguard their clients' interests while aligning with their organizational goals. With their local presence and deep knowledge of the insurance landscape, Ruffin Insurance Solutions, Inc has become a trusted partner for employers seeking reliable insurance brokerage services in the Charlotte region. Their commitment to understanding their clients' specific requirements, coupled with their expertise across information industries, sets them apart as a leading insurance broker in the area

ECM Solutions is a trusted local insurance consultant based in Charlotte, North Carolina, with a proven track record of serving clients across various industries. Their extensive expertise and experience make them a top choice for employers of all sizes, ranging from large corporations to midsize and small businesses. The Charlotte office of ECM Solutions showcases their successful collaboration with Party Reflections Inc, a notable employer in the special food services industry. Working closely with Party Reflections' HR and finance team, ECM Solutions designed a customized self-funding arrangement and PPO plan to cater to the unique needs of their 60 members. This personalized approach ensured comprehensive coverage that aligned with Party Reflections' requirements effectively. With a diverse client base, ECM Solutions has established a strong reputation in the insurance industry. They have one of the highest M Scores possible, reflecting their broad range of experience and expertise across client sizes, industries, and products. Their exceptional service and commitment to meeting client needs have earned them high praise from satisfied customers. ECM Solutions has deep expertise in various sectors, including foundation, structure, and building exterior contractors, specialty trade contractors, and cement and concrete product manufacturing. Their knowledge of these industries allows them to offer tailored insurance solutions that address the unique risks and challenges faced by businesses in these sectors. In addition to Party Reflections Inc, ECM Solutions serves a wide range of employer clients, including Combs Concrete Construction Co., Ortec Inc, Roechling Automotive Duncan, and American Roller Bearing Company. For businesses seeking comprehensive insurance solutions, ECM Solutions is a trusted partner. Their local presence, industry expertise, and commitment to exceptional service make them a reliable choice for employers in Charlotte, North Carolina, and beyond.

Founded in 2009, Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation. This company is committed to your future success, and will work closely with you to develop custom solutions that proactively address your evolving needs, whether you want to protect your assets, keep your employees healthy or optimize your financial position. Partners Together - Endless Possibilities