WEB BASED CAFETERIA/FLEXIBLE BENEFIT PLANS Employer (Plan Sponsor) Advantages · No minimum plan size · The ability to unbundle the record keeping and TPA relationship · No limit to the number of Benefit choices you offer your employees · Offer your employees custom designed lifestyle portfolios · No transaction or setup minimums per Account · Give your employees access to Benefit Accounts normally reserved for large institutions · No loads or sales charges · No additional costs to add or remove Benefits · Transfer expenses to platform & freeze Benefits to prevent negative account charges · Quick and easy download of census and payroll Information · Automatically monitors election and enrollment changes · Previews Benefit Claims and transaction reports in real time · Assists with management of fiduciary responsibility · Offer your employees the most advanced Employee Benefit Plan technology on the market Employee (Participant) Advantages · Online Enrollment · 24/7 account access · Integrated online education specific to their plan · Access to a variety of Benefit choices from the top insurance companies in the business · Access to custom designed lifestyle benefits at no additional cost · No loads or sales charges · Detailed reports that fully disclose Claims and transactions · Account changes are reflected on the system the same day · Online, easy to create, interactive Claims and payments · Comfort knowing they have access to a cutting-edge Benefit Plan