We help health care organizations succeed in the increasingly complex world of risk and insurance. Our unmatched focus on health care means we know the industry better than anyone else. It is our job to make sure: • Your insurance does what you expect, 100% of the time • You stay ahead of ever-changing laws and regulations • We’re always there when you need help We believe simplicity is the cure for crushing complexity. HealthSure: Prevent surprises in the boardroom Protect people and assets Prosper in these increasingly complex times

Brown & Brown delivers risk management solutions to help protect and preserve what our customers value most. Our three business segments—Retail, Programs and Wholesale Brokerage—offer a wide range of insurance solutions to businesses and individuals. We are one of the insurance industry’s most powerful and influential leaders, with a strong, deeply rooted cultural foundation built on integrity, innovation, superior capabilities and discipline. The Power of WE ignites our performance, and while diverse and varied in abilities and experience, we are all connected through our core values, a commitment to our local communities and a shared mission—always doing what is best for our customers. Brown & Brown is proud to be certified as a Great Place to Work®, and we are always actively looking for talented teammates who embrace our culture to join our winning team. Find us on the NYSE as BRO.

Boon has 40+ years of experience in providing employee benefits, insurance products, and administrative services to government contractors. We have evolved into a national enterprise leading the industry in affordable benefit solutions to meet the unique needs of hourly employees. We strive to provide solutions that keep compliance at the forefront, costs low, and increase the competitive edge of our clients. Boon is your link to building better benefits. **Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. The Boon Group is not affiliated with Kestra IS or Kestra AS. Investor Disclosures: www.kestrafinancial.com/disclosures [email protected] finra.org | sipc.org

Cairn Advisiors, located in Austin, Texas, stands out as a prominent local brokerage firm, especially renowned for its adept handling of self-funded clients. This larger office has carved a niche for itself in the realm of employer benefits, catering primarily to local and regional employers. Their expertise is particularly notable in industries related to credit intermediation, as evidenced by their successful collaboration with clients like Thrive Mortgage, a Texas-based company with over 320 participants. Additionally, Cairn Advisiors has shown remarkable proficiency in servicing clients in the financial investment activities sector. A prime example is their work with Family Emergency Rooms, which operates in Texas and has a substantial employee base of more than 340 participants. This demonstrates Cairn Advisiors' capability to manage complex benefit needs for a diverse range of clients. What sets this office apart is its proven track record with midsize employers. Their approach is tailored to address the unique challenges and opportunities that midsize businesses face, particularly in managing employee benefits effectively. The team at Cairn Advisiors combines local market knowledge with a deep understanding of the specific industries they serve, ensuring that their clients receive customized, insightful advice and support. This blend of local expertise, industry-specific knowledge, and experience with self-funded clients makes Cairn Advisiors an ideal partner for employers seeking to navigate the intricacies of employee benefits in a way that aligns with their business objectives and workforce needs.

Higginbotham is a single source solution for insurance, financial and HR/employee benefits services. The employee-owned firm was established in 1948 and ranks by revenue today as the nation’s 21st largest independent insurance brokerage. Based in Fort Worth, Texas, Higginbotham serves businesses and individuals through locations across the nation. The firm specializes in tailoring programs to meet each client’s unique needs, and in standing by those programs with their Day Two Services®, which provide proactive customer support through the life of each policy. Higginbotham is a values-driven firm that strives to be family to employees, accountable to clients, teammates to carriers, and generous to communities.

EFG International is a global private banking group offering private banking and asset management services and is headquartered in Zurich. Its registered shares (EFGN) are listed on the SIX Swiss Exchange. As a leading Swiss private bank, EFG International has a presence in major financial centres and growth markets, operating in around 40 locations worldwide, with a network spanning Europe, Asia Pacific, the Americas and the Middle East. As one of the best-capitalised Swiss private banks, EFG International is a financial partner that offers the security and solidity needed to provide clients with effective support. An entrepreneurial spirit has shaped the bank since its inception, enabling it to develop hands-on solutions and to build long-lasting client relationships. In other words: Entrepreneurial thinking. Private banking.

BKCW Insurance is a Texas-based firm that handles employee benefits, property and casualty, and risk management needs for thousands of clients across the United States. It’s what we have done since 1952! Our knowledgeable consultants go beyond the traditional agency model to provide industry-leading solutions with award-winning care, trailblazing technology, and a proven track record. BKCW has been recognized by the Independent Insurance Agents and Brokers of America (IIABA) as a Best Practices Agency for twenty-three consecutive years and as the Top Performing Agency in its size class for four different years.

Texas Benefit Alliance is a benefit agency that goes beyond benefits. Our goal is for every employee to get the most out of their benefits and to know the most about their benefits. Every business we partner with gets the most out of their broker relationship because they are seen not as a client but as a partner. We specialize in the following areas: • Benefit Plan Design • Negotiating Renewals • Streamlining Onboarding/Benefit Administration • Easy to use/Mobile friendly enrollment platform • Connection with EDI feeds and “One-Click” COBRA administration • Ensuring ACA and DOL Compliance • Drafting Section-125, Summary Plan Descriptions, and other Compliance Documents • Employee Engagement and Education • Learning Management Tool for Employee on the job Training

Privately owned. Austin based. Watkins Insurance Group is the advocate of choice for insurance and risk management solutions. We are an established independent agency founded in Austin in 1949. Our commitment to personal service helps make our family-owned agency stand apart from any other competing agencies which strive primarily on volume over quality customer care. Each client deserves individualized attention. With our team’s decades of experience and knowledge, we can offer risk management guidance without sacrificing excellent coverage options. If you require tailored insurance, risk management, employee benefit, and bond solutions, you will find that our personal attention, earned knowledge, and use of appropriate technologies will benefit you, your family, and your business.

Fringe Benefit Group is a dynamic company that specializes in crafting customized benefit programs for #HourlyWorkers and #GovernmentContractors. Our commitment to excellence, innovation, and integrity has positioned us as a leader in prevailing wage and hourly benefit solutions. Follow: @theamericanworker and @thecontractorsplan for more!

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.