At Integrum Advisors, we come to work each and every day to ensure we have you covered. We take pride in providing sound advice to all of our clients. Our job is not done until you have complete peace of mind that you and your employees are receiving the best benefits and service available.

Dye & Eskin, Inc. is one of the most prominent and trusted independent administrators of life and disability insurance products for highly compensated employees in the world. D&E is one of the most unique insurance entities in the world. Prior to the formation of D&E in 1980, Frank Dye and Rick Eskin were independent insurance salesmen with most of their attention centered in the advanced markets of estate planning and executive benefits for individuals and companies. In year 2000 much of the firm’s direction changed to the development of insurance products — teaming up with prominent insurance companies, as an administrator, to introduce products/programs that otherwise had not previously existed. D&E creates specialized, guarantee and simplified issue type life and disability insurance programs in the executive and employee benefits area. D&E is an internationally recognized insurance agency with insurance programs in all 50 U.S. states, and coverage in 38 separate countries. We specialize in marketing, administration, consultation, and sale of life and disability insurance products. D&E has built a reputation founded on the principal of integrity — and a mission committed to bringing quality products, competitive pricing, and dedicated service to agents, brokerage general agents, consultants, and clients. D&E markets to agents, brokerage general agents, and consultants — educating these entities to the value of our unique programs, so that they, in turn, will enlighten their prospects and clients. The D&E model for success has been a long term desire to produce value via creative solutions to corporate benefit needs — “Creating Victories®.” D&E has introduced a series of “first in the industry” programs… A-List Term™ InTERM® Corporate Excess Disability insurance (CEDi)® LTD5

McGriff Insurance Services, a national insurance broker, operates an office in Winchester, Virginia, catering to clients of various sizes, including both large and small employers. With a focus on delivering comprehensive insurance solutions, McGriff Insurance Services has established itself as one of the top brokerages in the Winchester market. The Winchester office's notable client is Commerce Lexington Inc, a prominent employer in the insurance-related activities industry, boasting 970 members. Collaborating closely with Commerce Lexington Inc's HR and finance team, McGriff Insurance Services successfully implemented a customized PPO plan, as well as a well-designed PBM and drug plan, tailored to meet the unique needs of their members. With extensive experience in the insurance industry, McGriff Insurance Services has developed strong expertise in insurance-related activities and grocery and related product merchant wholesalers. Their knowledge spans various sectors and enables them to provide comprehensive coverage and expert guidance to their clients. McGriff Insurance Services' Winchester location proudly serves clients throughout Virginia, providing them with tailored insurance solutions and exceptional service. Their dedication to excellence and client satisfaction has contributed to their reputation as a trusted insurance partner in the region. In addition to Commerce Lexington Inc, McGriff Insurance Services serves other notable employer clients in the Winchester area, including Schenck Foods Company Inc. This diverse client portfolio showcases the breadth of their expertise and their ability to cater to the insurance needs of businesses across different industries. With their commitment to delivering personalized service, industry-leading expertise, and comprehensive insurance coverage, McGriff Insurance Services is well-positioned to meet the evolving needs of their clients in Winchester and beyond.

At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.

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.

Towne Insurance Agency, a local insurance broker based in Virginia Beach, Virginia, is known for their expertise and experience in providing tailored insurance solutions to a diverse range of clients. With a focus on self-funded employers, they have successfully collaborated with numerous companies, including National Coatings, an 80-member employer in the building finishing contractors industry. Towne Insurance Agency partnered closely with National Coatings' HR and finance team to establish a customized self-funding arrangement, specifically designing a PPO plan that caters to the unique needs of their members. Their track record showcases strong capabilities in working with self-funded employers and effectively addressing member needs through PPOs. Serving clients across a spectrum of sizes and industries, Towne Insurance Agency has built relationships with large, midsize, and small employers such as First Team Toyota, American GFM Corporation, Comfort Systems of Virginia, Inc., and Eastern Carolina Vocational Center. Operating throughout Virginia, this particular office of Towne Insurance Agency extends its services to clients across the state. Thanks to their extensive experience and expertise, they have earned a good M Score, demonstrating their proficiency in meeting the insurance requirements of clients in various industries, including metalworking machinery manufacturing, home health care services, and vocational rehabilitation services. With their commitment to personalized service and comprehensive insurance solutions, Towne Insurance Agency is a trusted partner for businesses seeking reliable coverage tailored to their specific needs.

McGriff Insurance Services, a renowned national insurance broker, operates an office in Richmond, Virginia, serving clients of varying sizes, including large and midsize employers. With their extensive experience in working with self-funded employers and their strong expertise in partnering with clients and PPOs, they excel at meeting the unique needs of their diverse clientele. A notable example of their success in the Richmond area is their collaboration with JTH Tax Inc, an esteemed employer in the accounting, tax preparation, bookkeeping, and payroll services industry, boasting a workforce of 530 members. McGriff Insurance Services worked closely with the HR and finance team at JTH Tax Inc. to establish a comprehensive self-funding arrangement. This included the implementation of an HMO plan, as well as a pharmacy benefit management (PBM) and drug plan tailored specifically to meet the needs of their members. The Richmond office of McGriff Insurance Services serves a range of employer clients, including Imia Group Holdings LLC, JTH Tax Inc, Tuckahoe Holdings, and Ripley Heatwole Company Inc. Their dedication to providing exceptional services and tailored insurance solutions has earned them a strong reputation in the region. With a wide range of experience and expertise across industries, McGriff Insurance Services boasts a solid M Score, indicative of their ability to deliver quality service and meet the diverse needs of their clients. They possess strong knowledge in the management of companies and enterprises, rubber product manufacturing, and nonresidential building construction industries. The Richmond location of McGriff Insurance Services continues to demonstrate their commitment to delivering comprehensive insurance solutions and personalized support to their clients in Virginia and beyond, solidifying their position as a trusted insurance brokerage in the region.

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.

Managed Benefits, Inc. (MBI) is a privately owned consulting firm serving the Mid-Atlantic States and beyond. Expertise and customer service have always been the foundation of our organization, and that client-centered focus continues to guide our future. This client-centered focus is the driving force behind The MBI Difference. The MBI Mission •To listen to our clients and understand their needs. •To provide our clients with custom tailored services. •To earn the trust and respect of our clients each and every day. •To build upon our professional commitment of being subject matter experts. The MBI Difference So what’s the MBI Difference? (hint)…it all begins with you. You are the expert of your business. Let us learn from you. MBI has a wide range of expertise and tools designed to meet your needs. But really, technology without expertise and personal service is simply annoying. The MBI Difference provides you with staff that are certified, licensed, bonded, experienced, and receive extensive ongoing training to make sure that you have the information you need, when you need it. We stay ahead of the constantly changing and confusing compliance issues that directly impact you. A big component of the MBI Difference is our partnership with United Benefit Advisors, an alliance of over 140 premier independent benefit advisory firms. This allows us to offer you solutions that are innovative, customizable, and cost efficient. A Simple Philosophy with Big Results If a service improves the work lives of our clients and we’ve delivered on our promises, then we believe success has been earned. This philosophy is why MBI maintains a 98% client retention rate. Want to find out how you can make MBI a part of your team? Just call us at 800.948.1709 or contact us.

The Frieden Agency, located in Virginia Beach, Virginia, is a leading regional insurance consultant providing comprehensive services to clients across Virginia. With a strong focus on employer clients of all sizes, including large, midsize, and small businesses, The Frieden Agency boasts extensive experience and expertise in the Virginia Beach market. They have established themselves as one of the top brokerages in the area, backed by their exceptional M Score, which is a testament to their diverse range of capabilities and deep industry knowledge. One notable success story of this office is their collaboration with Thompson Trucking Inc, a prominent employer in the specialized freight trucking industry. The Frieden Agency worked closely with Thompson Trucking Inc's HR and finance team to develop a customized self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan. This tailored approach addressed the unique needs of Thompson Trucking Inc's 180-member workforce, ensuring comprehensive coverage and optimized cost-efficiency. In addition to their exceptional work with Thompson Trucking Inc, The Frieden Agency serves a diverse range of employer clients, including Atlantic Dental Care PLC, Barry Robinson Center, Delight Va Beach Management LLC, and Farrell/Berglund Companies. Their expertise extends to industries such as automobile dealerships, physician offices, and eating places, where they have consistently delivered effective insurance solutions. With a wealth of experience working with self-funded employers, HMOs, PPO plan design, PBMs, and pharmacy providers, The Frieden Agency possesses the knowledge and skill set to cater to the unique needs of their clients. Their commitment to excellence and dedication to providing tailored insurance solutions have solidified their reputation as a trusted partner in the insurance industry.