What is SmartBen? A unique online communication, education and enrollment system. A self-serve platform for clients. SmartBen

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1 SmartBen Presents

2 What is SmartBen? A unique online communication, education and enrollment system A self-serve platform for clients Online communication Automation Paperless enrollment transactions SmartBen automates the complexity of HR business rules provides a structure for communicating HR knowledge streamlines HR information into a manageable and centralized matrix Interacts with employees, vendors, and HR to ensure efficiency, flexibility, data accuracy, and security

3 How Can SmartBen Help HR? Increases benefit awareness Increases Human Resource personnel productivity Reduces employee turnover Assists in the hiring process Streamlines enrollments Increases retirement plan participation Automates new employee orientation and enrollment Personalizes your employee benefit package

4 How Does SmartBen Help Employees? Decision support system (DSS) technology guides them through life event changes and questions that are specific to their personal and benefit needs On-line calculators assist in making benefit decisions that impact their paycheck and future retirement savings Animated graphical storyboards educate them visually about the company's benefit package Easy-to-use and find benefit descriptions provide access to benefit plan information and forms which saves valuable time Powerful benefit and retirement projections perform "what-if" benefit planning for educated self-serve decision making Printed benefit statements allow them to print benefit statements on demand 24/7 immediate access to information

5 The SmartBen Advantage

6 SmartBen Service Levels SmartBen offers three levels of services that allow you to grow into a truly efficient and paperless environment. Level 1 Communicator Allows you to create your own HR site communicating basic benefit information and plan descriptions with the following features: Upload of company logo Maintain benefit plan descriptions specific to each class of employee Host of company newsletter, company profile, department directories, links to providers, executive profiles, forms posting, employee manuals, company calendar, job postings, HR key contacts directory and employee survey capabilities Access to animated Storyboards are provided for benefit plan descriptions to further employee education Application Hosting on SmartBen s network

7 SmartBen Service Levels Level 2 Educator In addition to Level one, the following features are added: Decision Support System utilizing specific Employee & Employer benefit data Real work/life decision modeling calculators driven by real employee data Hidden Pay Check and Total Compensation explanation Printed Benefit Statement Capabilities Calculation Tools for employee retirement and benefit election planning Employee Pay Check modeling based on employee specific tax and benefit information

8 SmartBen Service Levels Level 3 Enroller In addition to Levels 1 & 2 the open enrollment, life event, and new hire features are added: Employee Self Serve Enrollment and eligibility tracking Complete data collection and tracking on Employee, Spouse, Dependents, and Beneficiaries Rules based electronic enrollment wizard eliminating duplicated, missing or incomplete data Summary of current elections for easy navigation for employees making no changes Visual enrollment guide indicating enrollment status per benefit HR Enrollment status reports tracking the enrollment process

9 SmartBen Service Levels Level 3 Enroller (con t) Data export utility (SmartBen sends data transmission to Vendors and Client based on their required export format) This eliminates paper transmissions from HR to vendors for eligibility and enrollments. Features included are: Printable and electronic benefit application and Evidence of Insurability form generator File upload utility for employee data imports into SmartBen- No double or manual data key entry HR portal for generating custom reports and forms HR employee management utility HR notification on all life event change request and pending benefits

10 Home Page

11 Benefits

12 Benefit Statements Smart Ben helps employees realize the value of their TOTAL compensation package.

13 Retirement

14 Employee Data

15 Employer Costs

16 Plans

17 Benefit Plan Storyboards

18 Enrollment

19 Enrollment