E m pl oy ee  B en efi ts       R eti rem en t  Pl an s
P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m...
education     dental
 legislative update
disability retirement
 voluntary benefits
    Employee Benefits
 health reform li...
Our Story,
Our Mission Statement
   At Bryson Financial Group our mission is to:

   Create a Client for Life - To provide...
Employee Benefits Staff and Services
                    Trent Bryson           Katrina Bulmer
                  Sales and...
What We Provide You
    Negotiation
    Negotiation is an under utilized tool that we persistently use. This means
    you...
Intellectual Capital
     Our total combined experience of over 60 years in the industry is
     unprecedented in a compan...
Legislative Information
     As current involved members of NAIFA (National Association of
     Insurance and Financial Ad...
Claims Assistance, Resolution
and Case Management
      With carrier experience comes knowledge of how the carriers work
 ...
Pre-Renewal
Strategic Planning
      We have established a comprehensive strategic planning process that
      includes pr...
Communication and
Accessibility
     We pride ourselves on knowing our clients and their businesses
     so well that when...
Ongoing Customer Service
& Accountability
   Our company philosophy is one that spotlights attention to detail. Our
   com...
Bryson Financial Group
  is proud to present
       MyWave®




                         employee benefits


             ...
MyWavePortal®
 Click + Connect + Communicate

 MyWave - your personalized Web site that allows you to effortlessly click, ...
MyWavePortal®
   1 – Collaboration Center
   Allows a seamless exchange of information sharing from our agency
   to you

...
Collaboration Center
  Our document posting capabilities allow a seamless exchange of information
  sharing from our agenc...
Community
   Through MyWave® Community, you have access to over 200,000
   knowledgeable colleagues from across the countr...
tax deferred
  defined contribution
discrimination testing
  automatic enrollment
      Retirement Plans
& Executive Compe...
Positioning Statement
                                                                                        Bryson Finan...
A Network of Experience
        National Retirement Partners (NRP) is the largest
                                        ...
Partial Client List




A Member Firm Of            retirement plans


                                           20
Building a Successful
                            Retirement Plan

                                           Success!



...
A continuum of services…
                             Plan Sponsor         Participant

Consulting                        ...
Building a
Successful
Retirement Plan




A Member Firm Of   retirement plans


                                  23
Administration
                   Internal audits/quality assessments
                               Provider audits
     ...
Plan Design, Compliance Review, Implementation


                                       - Fiduciary Audit Checklist
      ...
Investment Due Diligence
                   & Monitoring

A Member Firm Of                      retirement plans


       ...
Investments
                        Revenue sharing analysis
                        Asset allocation modeling
           ...
Investment
                   Due Diligence



A Member Firm Of                   retirement plans


                     ...
NRP Investment Review: American Funds EuroPacific Gr R4
                                  Manager Performance             ...
Investment Due Diligence




                                   Expense Analyzer:
                                   - Fee...
Employee Education
                    & Communication



A Member Firm Of                        retirement plans


     ...
Customized Communication
                        Communication Strategy Development
                          Replacement ...
Employees need our help
                Dec. 1987 to Dec. 2007

       11.81%




                              4.48%

   ...
9



         Employee Communication
         & Education                                        Executive Summary
       ...
Consulting
                           Plan Governance
                    Provider Search and Analysis
                   ...
Retirement Solutions
 Preparing Participants for Retirement Readiness




     - Rollover Systems
     - Wealth Management...
Our Commitment
    Plan Design and Contract Analysis
    - Evaluate plan design options offered under current plan provide...
Our Commitment
          Plan Sponsor Investment Due Diligence and Analysis Program
          - Act as Fiduciary or Co-Fid...
Our Commitment
         Plan Design Audit
         - Periodic review of pertinent plan design features
         - Recommen...
Our Commitment
          Employee Education and Communications (This section to be customized by
          the Advisor)
  ...
contract review
  directors & officers
workers compensation
employment practices
     Property & Casualty
property claim m...
What We Provide You
    Our Philosophy
    It is our goal that you view Bryson Financial as your insurance
    consultant ...
Products
         Auto Fleet
    Directors & Officers
Employment Practices Liability
     Errors & Omissions
      Fiducia...
National Strategic
Underwriting Relationships
      General            Worker’s           E&O / D&O
Liability / Package   ...
Negotiation
    Insurance carrier negotiations are a major part of a successful
    insurance program. A successful negoti...
P&C Negotiation & Marketing
                                      Brett Hlista
                                    Team Le...
Pre & Post
Renewal Strategy
    We believe in a consistent approach to maintaining, adjusting and
    bettering your overa...
Claims Management
& Assistance
   We understand that from time to time losses do occur. Whether it’s
   a workers’ compens...
Workers’ Compensation Claims
Management Services
    The importance of claims handling to the insurance process
    can ne...
Workers’ Compensation Claims
Management Services
    Part I: Pre-Claim
    We will hold an initial meeting to review all c...
Workers’ Compensation Claims
Management Services
    Part II: Post-Claim
    Facilitating the reporting of claims and assi...
Workers’ Compensation Claims
Management Services
    Part III: Claims Management Oversight


    - Quarterly claim reviews...
Workers’ Compensation Claims
Management Services
    Part IV: Ex-Mod Audit


    - Bryson will audit the unit statistical ...
Ongoing Customer Service
& Accountability
    CERTIFICATES OF INSURANCE

    Bryson is committed to ensuring that Certific...
Ongoing Customer Service
& Accountability
    CONTRACT REVIEW
    Bryson’s team of insurance specialists can provide you w...
We Care
We value creating strong lasting relationships with our clients.
We also value duplicating those relationships wit...
E m pl oy ee  B en efi ts       R eti rem en t  Pl an s
                          P ro p e r ty   &   C a s u a l ty      ...
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Bryson capabilities 2010

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Bryson capabilities 2010

  1. 1. E m pl oy ee  B en efi ts       R eti rem en t  Pl an s P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m e n t E m pl oy ee  B en efi ts       R eti rem en t  Pl an s P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m e n t Capabilities
  2. 2. education dental legislative update disability retirement voluntary benefits Employee Benefits health reform life open enrollment communication medical claims resolution 02
  3. 3. Our Story, Our Mission Statement At Bryson Financial Group our mission is to: Create a Client for Life - To provide our clients with unparalleled service that cannot be matched anywhere else in the industry. This allows us to develop close relationships with our clients, to individually assess their needs, and design a customized strategy that best meets those needs. Acknowledge and Recognize Change – To constantly be cognizant of current events in the industry and legislature so that we can continually adapt and change our plans and strategies to ensure that the services we recommend are consistently serving the best interest of our clients. Provide Intellectual Capital - To draw upon the vast and wide ranging experience of our employees who to date, when combined, have over 60 years of experience in the insurance industry. This extraordinary asset allows us to assist clients in areas our competitors cannot even come close to. employee benefits 03
  4. 4. Employee Benefits Staff and Services Trent Bryson Katrina Bulmer Sales and Marketing Vice President Carrier Negotiations Employee Benefits Maria Kudaka Julia Selby Large Group Client Small Group Account Manager Account Manager Cinthya Anguiano Stephen Gonzales Client Services Individual Specialist and Support employee benefits 04
  5. 5. What We Provide You Negotiation Negotiation is an under utilized tool that we persistently use. This means you are never paying more than what is necessary for your benefits. We will always negotiate the best price we can get to help you stay within the financial plan of your business, while still making your employee benefits attractive to hire and retain the best in your industry. employee benefits 05
  6. 6. Intellectual Capital Our total combined experience of over 60 years in the industry is unprecedented in a company of our size. This experience is not just limited to the brokerage side of the insurance industry; carrier and medical experience comprises a large portion of our experience pool as well. This allows us to share our knowledge and expertise with you to make better informed decisions regarding your employee benefits overall as a company and to individually impact those who need special attention in a crisis situation. employee benefits 06
  7. 7. Legislative Information As current involved members of NAIFA (National Association of Insurance and Financial Advisors), combined with our network of resources at the local, state, and national level, we can provide you with information regarding pending and newly passed legislation that may affect your company and industry. This allows you to maintain compliance as well as awareness of issues, which may require change in your business model or strategy moving forward. employee benefits 07
  8. 8. Claims Assistance, Resolution and Case Management With carrier experience comes knowledge of how the carriers work and established relationships with people working on the carrier side. We leverage this experience and those relationships to help you get your claims issues addressed and resolved. We can also assist you in implementing case management for those employees with catastrophic, chronic illness or injury. employee benefits 08
  9. 9. Pre-Renewal Strategic Planning We have established a comprehensive strategic planning process that includes pre-meetings, timelines, and implementation to allow us to manage your annual renewal process. We realize that this is always a stressful time for you and your employees, especially if it involves a lot of changes. We are there to help you plan to alleviate and avoid a majority of that stress. During this period of service for you, we strive to be your most valuable partner, to do whatever we can to insure ease and success from renewal to open enrollment and beyond. employee benefits 09
  10. 10. Communication and Accessibility We pride ourselves on knowing our clients and their businesses so well that when we see or hear about something we know may specifically impact them, we send a copy of an article or shoot them a quick e-mail to share this information. Upon request, we can also assist in helping you create communication pieces if that information needs to be shared with your employees as well. We also provide 24 hour accessibility via e-mail and cell phone because we know that crisis situations rarely happen between the hours of 8am and 5pm. employee benefits 10
  11. 11. Ongoing Customer Service & Accountability Our company philosophy is one that spotlights attention to detail. Our company specifically focuses on the target of the employer group. We believe that by having a target focus it allows us to provide superior service and guaranteed quality assurance. We pride ourselves on the ability to listen to your problems and address issues in a manner that is most appropriate for that particular situation. We know and expect you to hold us accountable if you feel we have not met your needs. This allows us to make changes in the way we do business going forward and allows us to move in a positive direction. It is this attention to detail and feedback that strengthens our relationship. employee benefits 11
  12. 12. Bryson Financial Group is proud to present MyWave® employee benefits 12
  13. 13. MyWavePortal® Click + Connect + Communicate MyWave - your personalized Web site that allows you to effortlessly click, connect and communicate with Bryson Financial Group - Access time-saving tools and resources - Build convenience into managing your everyday work tasks - Collaborate with our agency online - Timely news, information and resources - Connect with over 200,000 peers in your industry employee benefits 13
  14. 14. MyWavePortal® 1 – Collaboration Center Allows a seamless exchange of information sharing from our agency to you 2 – Benchmark Surveys Participate in benefit plan surveys 3 – Community Connect with other professionals in your field by entering group discussions, or post a message of your own employee benefits 14
  15. 15. Collaboration Center Our document posting capabilities allow a seamless exchange of information sharing from our agency to you. Accessible 24/7, postings from our agency are timely, relevant and easy to locate in one convenient place online. Benchmark Surveys Participate in benefit plan surveys. Allows you to determine how your plans and programs compare to other employers across the U.S. employee benefits 15
  16. 16. Community Through MyWave® Community, you have access to over 200,000 knowledgeable colleagues from across the country. Share information and resources via the Community’s interactive forum. Post questions to your peers and provide insight into other users’ questions. Topics include: Compensation, Employee Relations, HR Development, HR Management Topics, Recruitment, Risk Management, and Others employee benefits 16
  17. 17. tax deferred defined contribution discrimination testing automatic enrollment Retirement Plans & Executive Compensation Programs safe harbor plan design defined benefit communication open enrollment 17
  18. 18. Positioning Statement Bryson Financial Group provides consulting services for private and public companies with a comprehensive process for helping E m pl oy ee  B en efi ts       R eti rem en t  Pl an s companies evaluate, understand, and P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m e n t implement the best employee benefit, retirement plan, and insurance programs for employees and employers, by applying best practices, benchmarking, guidance through E m pl oy ee  B en efi ts       R eti rem en t  Pl an s our vast array of intellectual capital on P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m e n t customized and personal level. A Member Firm Of retirement plans 18
  19. 19. A Network of Experience National Retirement Partners (NRP) is the largest - $57 Billion Retirement network of institutional independent retirement Plan Assets focused advisors in the country. NRP supports their - 364 Advisors advisors and provides them with the highest quality - 6,000 plans tools and services, and heightened best practices - Locations in over 39 states to deliver to Plan Sponsors. These efficiencies - 126 offices nationwide save time, reduce exposure to fiduciary liability and address ERISA, IRS and Department of Labor compliance requirements. Bryson Financial - 40th Anniversary - Founded in 1969 Your Team Of Experts - Team of 20 - Specializing in Corporate Currently serving more than 10,000 individuals Retirement Plans and over $300 million in retirement assets - Named 1 of 20 “Rising Stars” in Institutional Investment News A Member Firm Of retirement plans 19
  20. 20. Partial Client List A Member Firm Of retirement plans 20
  21. 21. Building a Successful Retirement Plan Success! Fiduciary Retirement Compliance Solutions Vendor Plan Design, Investment Employee Compliance Due-Diligence, Communication Analysis Review, Plan Fund & Benchmarking Implementation Education Monitoring Consulting | Administration | Investments | Communication Corporate Objectives A Member Firm Of retirement plans 21
  22. 22. A continuum of services… Plan Sponsor Participant Consulting Administration - Plan governance - Internal audits/quality assessments - Provider search and analysis - Provider audits - Cost analysis and benchmarking - Liaison with other service providers - Fiduciary guidance - Contract review and negotiation - Operational oversight - Compliance review - Data management - Best practices plan design - Process efficiencies - DB plan termination - Impact of legislative changes - DC plan redesign - Quality standards - Deferred compensation - Outsourcing programs - Trustee services - 404(a) monitoring Investments Communication - Revenue sharing analysis - Employee Communication strategy - Asset allocation modeling development - Target maturity fund review - Replacement ratios gap analysis - Fund analytics - Participant Behavior Monitoring - Fund/manager search and Measurement - Ongoing monitoring - Investment behavioral analysis - Investment consulting - Investment policy statement audit for executives - Fiduciary review - Group meetings - Fiduciary training - Employee education services - 404(c) monitoring - Guidance vs. Advice components retirement plans 22
  23. 23. Building a Successful Retirement Plan A Member Firm Of retirement plans 23
  24. 24. Administration Internal audits/quality assessments Provider audits Liaison with other service providers Fiduciary guidance Operational oversight Data management Process efficiencies Impact of legislative changes Quality standards Outsourcing programs Trustee services 404(a) monitoring A Member Firm Of retirement plans 24
  25. 25. Plan Design, Compliance Review, Implementation - Fiduciary Audit Checklist and archived file - Health Check - ERISA Help Desk - Will act as a co-fiduciary to the plan - Plan Design Benchmarking against industry standards A Member Firm Of retirement plans 25
  26. 26. Investment Due Diligence & Monitoring A Member Firm Of retirement plans 26
  27. 27. Investments Revenue sharing analysis Asset allocation modeling Target maturity funds review Fund analytics Fund/manager search Ongoing monitoring Investment behavioral analysis Investment policy statement audit Fiduciary review Fiduciary training 404(c) monitoring Expense ratio review analysis A Member Firm Of retirement plans 27
  28. 28. Investment Due Diligence A Member Firm Of retirement plans 28
  29. 29. NRP Investment Review: American Funds EuroPacific Gr R4 Manager Performance Manager Style Drift = 10.09 Style 5-Year 1-Year 3-Year 5-Year 5-Year 5-Year 3-Year 5-Year 3-Year Mgr. Relative TOTAL Single Computation 36-Month Moving Windows, Computed Monthly Drift R-sqd. Return Return Return Up > Info. Info. Beta Beta Tenure Expense SCORE April 2005 - March 2010 April 2005 - March 2010 > 80% vs. Peers vs. Peers vs. Peers Down Ratio Ratio Ratio Asia Ratio >0 >0 180 160 1 1 1 1 1 1 1 1 1 1 1 1 12 MSCI PACIFIC ex JAPAN MSCI JAPAN 1 140 American Funds EuroPacific Gr R4 Fund Ticker: REREX Fund Category: Foreign Large Blend Manager Name: Stephen E. Bepler Manager Tenure: 25.97 Years MSCI EAFE Index Fund Assets: $10,379.81 million Prospectus Net Expense Ratio: 0.85% 120 0 Review Period: April 2005 - March 2010 100 80 -1 MSCI EUROPE 4% Excess Return vs. 2% Market Benchmark 0% -2% Europe Mar 2005 Dec 2005 Jun 2006 Dec 2006 Jun 2007 Dec 2007 Jun 2008 Dec 2008 Jun 2009 Mar 2010 . -1 0 1 . 5-Year Portfolio Statistics Table 3-Year Portfolio Statistics Table April 2005 - March 2010: Summary Statistics April 2007 - March 2010: Summary Statistics Information Up Down Information Up Down Beta R-Squared Beta R-Squared Standard Sharpe Ratio Capture Capture Standard Sharpe Ratio Capture Capture vs. vs. vs. vs. Deviation Ratio vs. vs. vs. Deviation Ratio vs. vs. vs. Market Market Market Market Market Market Market Market Market Market American Funds EuroPacific Gr R4 19.25 0.27 0.83 0.95 108.1 94.8 95.1 American Funds EuroPacific Gr R4 23.40 -0.13 1.06 0.94 109.0 92.9 95.8 MSCI EAFE Index 19.83 0.07 0.00 1.00 100.0 100.0 100.0 MSCI EAFE Index 24.34 -0.34 0.00 1.00 100.0 100.0 100.0 Manager vs Universe: Return through March 2010 Manager vs Universe: Return through March 2010 Calendar Year Return Calendar Year Return As of March 2010 As of March 2010 Morningstar Foreign Large Blend 1 year 3 years 5 years 70 40% YTD 2009 2008 2007 2006 831 mng 717 mng 590 mng 60 20% 50 Median 52.12% -6.70% 3.76% 40 American Funds EuroPacific Gr R4 0.74% 39.13% -40.56% 18.87% 21.83% 0% 30 20 American Funds EuroPacific Gr R4 52.20% -1.27% 7.88% -20% 10 0 MSCI EAFE Index 0.94% 32.46% -43.06% 11.63% 26.86% MSCI EAFE Index 55.21% -6.55% 4.24% -40% -10 YTD 2009 2008 2007 2006 1 year 3 years 5 years Morningstar Foreign Large Blend Created with Zephyr StyleADVISOR. Manager returns supplied by: Morningstar, Inc. For Investment Professional And Plan Sponsor Use Only. Not For Distribution To Individual Plan Participants Or The General Public. - Information Ratio 33% - Returns vs. Peer 33% - Beta 3 Year Risk & Return - Upside/Downside Capture Peer Group - Beta 5 Year Factors - Information Ration Peer Rankings - Style Drift Analysis 17% - Manager Tenure Expenses 17% - R-Squared Statistic Style Factors - Resources Qualitative - Statistic Strength Factors retirement plans 29
  30. 30. Investment Due Diligence Expense Analyzer: - Fee Transparency - Ahead of Legislation - Compares to Industry Averages A Member Firm Of retirement plans 30
  31. 31. Employee Education & Communication A Member Firm Of retirement plans 31
  32. 32. Customized Communication Communication Strategy Development Replacement Ratios Gap Analysis Participant Behavior Monitoring and Measurement Investment Consulting for Executives Group Meetings Employee Education Services Guidance vs. Advice Components A Member Firm Of retirement plans 32
  33. 33. Employees need our help Dec. 1987 to Dec. 2007 11.81% 4.48% 3.04% retirement plans 33
  34. 34. 9 Employee Communication & Education Executive Summary Plan Name: Sample 401(k) Plan, Inc. Plan Type: 401(k) Savings Plan 401(k) Date Established: Employer Name: April 1, 2010 Employer Address: Sample 401(k) Plan 9th Ave Sample 401(k) Plan Sacramento, CA inc. 401(k) Plan to provide - Investment Communications eligible as well as certain benefits in the Sample 401(k) Plan, Inc. 401(k) - Gap Analysis beneficiaries. The primary objeective are the - Custom Enrollment Kits Employee as the Participant directed plan under - Custom Communication Communication for their investmentresult responsible sions for any loffes incurred as a deci- Plan 2010requirements of ERISA Section of - Campaign 404(c) Bryson Financial Group 100 Oceangate Suite 401 - Long Beach, CA 90802 Why Develop an Employee Communication Plan? Bryson Financial Group 100 Oceangate Suite 401 - Long Beach, CA 90802 A Member Firm Of retirement plans 34
  35. 35. Consulting Plan Governance Provider Search and Analysis Cost Analysis and Benchmarking Contract Review and Negotiation Compliance Review Best Practices Plan Design DB Plan Termination DC Plan Redesign Deferred Compensation A Member Firm Of retirement plans 35
  36. 36. Retirement Solutions Preparing Participants for Retirement Readiness - Rollover Systems - Wealth Management - Global Portfolio Solutions - Navigator - Latitude A Member Firm Of retirement plans 36
  37. 37. Our Commitment Plan Design and Contract Analysis - Evaluate plan design options offered under current plan provider - Provide design recommendations to improve plan efficiency and value - Provide sample provider correspondence to determine contract termination, market value adjustment, and other potential contract termination fees and charges - Provide plan design ideas that align Client’s goals and objectives with the latest legislation and regulations - Conduct and present comprehensive fee analysis Customized Plan Sponsor Cost Analysis & Vendor Benchmarking Every 3 to 4 Years - Request quotes from up to four vendors - Generate customized report and analysis of approximately 300 data points, prepared by Bryson Financial Group, which includes a vendor to vendor comparison of such services as: organizational commitment & responsiveness, systems and technology, plan sponsor and participant customer service, comprehensive outsourcing, error detection and performance standards, investment flexibility and participant advice, flexible & on-demand plan & participant reporting, support for plan documentation and reporting, branding and quality of participant communication & education - Analysis of hard and soft dollar administrative, investment management, asset and other fees charged by each vendor. A Member Firm Of retirement plans 37
  38. 38. Our Commitment Plan Sponsor Investment Due Diligence and Analysis Program - Act as Fiduciary or Co-Fiduciary for plan as requested (If Applicable) - Reports prepared by a staff of three CFA level investment professionals - Reporting software powered by Zephyr Style Advisor investment advisory software - FIRM (Fiduciary Investment Report Monitoring) - Creates a customized Investment Policy Statement - Determines whether investment options are meeting the objectives stated in the investment policy statement - Documents analysis, and any decisions or actions arising as a result of the review - Provides timely recommendations on an annual or semi-annual basis - Automatically monitors funds on an ongoing basis and alerts the advisor if any funds fall out of favor - Evaluation of available funds offered by Client’s plan provider - Quantitative and qualitative analysis including upside and downside capture, style (attribution) analysis, MPT statistics, information ratio, tracking error, and other relevant criteria - Reports prepared quarterly, semi-annually or annually by Bryson Financial Group - Investment Market Summary included with each report - Quarterly Investment Review between the client and Bryson Financial Group of up to three hours, to discuss reports, analysis, Scorecard and action plans to add, delete, or close specific investment. A Member Firm Of retirement plans 38
  39. 39. Our Commitment Plan Design Audit - Periodic review of pertinent plan design features - Recommendations for plan design changes and enhancements - Monitor Legislative updates impacting current and future plan design - Annual plan fee analysis review Fiduciary 404 (c) Oversight Program - 404(c) policy statement draft - 404(c) employee disclosure draft - Review existing 404(c) procedures - Develop “Fiduciary Audit File Checklist” to include items such as: Plan Documents, Government/Regulatory Requirements and Communications, ERISA Fidelity Bond, Participant Communication Documents, Journals and Ledgers, Investment Policy Statement, Plan Procedures and Minutes of all Meetings Investment Policy Statement - Investment policy statement customized to meet your companies needs Reviewed at least annually by ERISA attorney Newsletter - Quarterly Fiduciary newsletter provided to plan sponsors - Includes industry and marketplace updates, plan design and compliance suggestions, and legislative updates A Member Firm Of retirement plans 39
  40. 40. Our Commitment Employee Education and Communications (This section to be customized by the Advisor) - On-site enrollment and investment education meetings coordinated by Bryson Financial Group with Client and Vendor and with frequency determined by Client and Bryson Financial Group - Review of memos, correspondence, and other employee communications materials - Meetings presented by Bryson Financial Group in conjunction with vendor representatives Ongoing Consultant and Client Fulfillment Team - Assigned Relationship Manager with account management responsibility and over sight to help facilitate all tools and services into a firms capabilities - Access to Plan Consultant for RFP and benchmarking report discussions - Access to Investment Consultant for investment due diligence review discussions - Access to Financial Advisor for individual financial services related discussions A Member Firm Of retirement plans 40
  41. 41. contract review directors & officers workers compensation employment practices Property & Casualty property claim management errors & omissions loss prevention auto liability 41
  42. 42. What We Provide You Our Philosophy It is our goal that you view Bryson Financial as your insurance consultant rather than your insurance broker or procurer of commodity-based products. We take pride in understanding your business and the risk associated with your operations. With this knowledge we can offer support on a risk management level and design an insurance program that meets the requirements set forth by your day to day operations. It is at this point that we can begin to use our carrier relationships to build your program and to leverage the market place for the best possible coverage forms and policy rates. property & casualty 42
  43. 43. Products Auto Fleet Directors & Officers Employment Practices Liability Errors & Omissions Fiduciary / Crime Professional Liability Product Liability Property Surety Workers’ Compensation property & casualty 43
  44. 44. National Strategic Underwriting Relationships General Worker’s E&O / D&O Liability / Package Compensation EPL - Travelers - Endurance - Travelers - The Hartford - HCC Global - The Hartford - Aegis/Librity - Catlin - Aegis/Librity Alliance - Colony Ins. Co. Alliance - Chubb - Scottsdale - Chubb - Ace American - Navigators - Ace American - Zurich - Lloyds of London - Zurich - AIG/Chartis - AIG/Chartis - AIG/Chartis - Seabright - Darwin Select - Wausau - Admiral property & casualty 44
  45. 45. Negotiation Insurance carrier negotiations are a major part of a successful insurance program. A successful negotiation will enable us to offer you the best possible coverage form based on your needs as well as a comfort level knowing that your rates are second to known for the products we are offering. We feel strongly that in order to make this a success we must surround ourselves with specialists in particular coverage lines and use their knowledge and unique carrier relationships to better the outcome of our negotiations. What we ultimately achieve is a team approach in which multiple individuals work together in effectively building your insurance program. property & casualty 45
  46. 46. P&C Negotiation & Marketing Brett Hlista Team Leader & Senior Account Executive Trent Bryson Teresa Hlista Marketing Account Client Account Manager Executive Jett Abramson Doug Flake (AMW) Complex Liability E&O/D&O/EPL Senior Senior Specialist Specialist property & casualty 46
  47. 47. Pre & Post Renewal Strategy We believe in a consistent approach to maintaining, adjusting and bettering your overall insurance program. We will design an action plan to effectively review your operations, your current coverage’s and the design of your risk management program. More specifically we will look to meet with you within the first 90 days of your new policy period and 120 days before the expiration of your policy. This allows us to confirm the insurance program that we’ve built and gives us adequate time to reavaluate the program, your operations and begin and complete negotiations with our insurance carriers. property & casualty 47
  48. 48. Claims Management & Assistance We understand that from time to time losses do occur. Whether it’s a workers’ compensation injury, an auto accident, or a contractual liability claim we want to make sure that each claim is handled promptly, completely and correctly. We will assemble an in-house claims team that will work with you directly when these losses do occur. These individuals will provide you with ongoing quarterly claims reviews and work on your behalf with claims adjusters and attorneys to ensure the best possible end result. property & casualty 48
  49. 49. Workers’ Compensation Claims Management Services The importance of claims handling to the insurance process can never be overstated. Bryson will be actively involved in the investigation and administration of a claim. We focus our services on distinct time-frames within the workers’ compensation claims process: 1. Establishing protocol prior to injury occurrence; 2. When a claim has been reported; 3. Oversight of the claim handling process through closure; 4. Experience Modification (Ex-Mod) audit. Bryson will ensure that reporting procedures are established and that lines of communication are in place to address issues immediately after an injury has been reported by the employee. property & casualty 49
  50. 50. Workers’ Compensation Claims Management Services Part I: Pre-Claim We will hold an initial meeting to review all claims issues and develop a pre-claim strategy; • A pre-claim strategy consist of developing a relationship with your designated claims personnel and, if applicable, the underwriters’ claims representative to familiarize everyone with procedures, protocols, contact names and 24 hour availability. • As part of the underwriting process, we will submit your preferred list of legal counsel (if appropriate) for agreement to underwriters. property & casualty 50
  51. 51. Workers’ Compensation Claims Management Services Part II: Post-Claim Facilitating the reporting of claims and assist in any dispute resolution; - Interface between the underwriters, adjusters, and your designated personnel, monitoring and reviewing claims activity and reserves; - Maintain an open items list for management and the underwriter’s claims management department with a strict timeline for completion information; - Attend conferences and meetings with your representative during claims meetings; - Provide you with flow charts and executive summaries for large and complex claims that assist in tracking claims to their proper conclusion; and Assist in expediting partial and final payments and monitoring the anticipated date to close the claim. property & casualty 51
  52. 52. Workers’ Compensation Claims Management Services Part III: Claims Management Oversight - Quarterly claim reviews will be held for all open claims to ensure aggressive action plans are implemented that expedite your claims toward a satisfactory resolution and closure. - Reserves will be negotiated that reflect the most optimistic and reasonable outcome for each claim. - Bryson will assist in evaluating the carrier’s vendor list to ensure they use only the most effective vendors for medical diagnostics, investigations, field and telephonic medical management nurses and other services on your behalf. property & casualty 52
  53. 53. Workers’ Compensation Claims Management Services Part IV: Ex-Mod Audit - Bryson will audit the unit statistical filings to the appropriate state (WCIRB in CA) to ensure accuracy of the Ex-Mod. The Ex-Mod will be audited to identify denied injuries, continuous-trauma injuries, catastrophic claims (more than one employee injured in an incident), subrogation and contribution claims in order for the Ex-Mod to be revised downward for a premium return, if applicable. • Bryson will provide projection of the Ex-Mod, 4-6 months prior to renewal. • Bryson will assist you with WCIRB class-code and unit-statistical disputes. We will communicate directly to the WCIRB on issues relating to the promulgation and any revisions of the Ex-Mod. property & casualty 53
  54. 54. Ongoing Customer Service & Accountability CERTIFICATES OF INSURANCE Bryson is committed to ensuring that Certificates of Insurance (COI’s) are issued on a prompt and accurate basis. We recognize the importance of issuing COI’s in order to meet your deadlines whether via mail, email, fax and/or courier. We believe it is equally vital that COI’s be issued with the requisite information required by the client. To that end, we will establish ground rules in advance so that information or representations are not made to an outside party, which is outside the scope required by you. You have our commitment that COI’s will be given top priority so that you can fulfill your obligations for a bid or contract in a timely manner. property & casualty 54
  55. 55. Ongoing Customer Service & Accountability CONTRACT REVIEW Bryson’s team of insurance specialists can provide you with the expertise needed to assist in a critical evaluation of your contracts. We regularly work with clients in reviewing their contracts in an effort to evaluate the potential impact on their insurance program. We will expedite any communications to your underwriters that require comment and/or agreement in connection with a contract you are bidding or negotiating. We understand the need for confidentiality and for a fast turnaround time in order to facilitate the business decisions you have to make. In addition to routine contract review, we off the following: - Review of your service contracts with its customers; - Review of contracts pertaining to acquisitions and/or mergers and evaluation of potential impact on existing insurance program including Due Diligence Reports - Assistance with review of third party Certificates of Insurance for compliance with contractual requirements. property & casualty 55
  56. 56. We Care We value creating strong lasting relationships with our clients. We also value duplicating those relationships with our carriers and other vendor partners because we know that will result in a win-win for everyone. We truly care about you, your employee, your business, and we want you to succeed. Your success is our success, which is our ultimate goal. 56
  57. 57. E m pl oy ee  B en efi ts       R eti rem en t  Pl an s P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m e n t E m pl oy ee  B en efi ts       R eti rem en t  Pl an s P ro p e r ty   &   C a s u a l ty       We a l th   M a n a g e m e n t Bryson Financial Group | 100 Oceangate, Suite 401 | Long Beach, California 90802 | 562-435-4267 www.brysonfinancial.com

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