Accel Entertainment

Table of Content

  1. Header
  2. Overview
    1. Agenda
    2. Who We Are
  3. Team & Service Model
    1. Benefits Wheel
    2. Areas of Focus
    3. Cost Containment
    4. Data Analytics
    5. Concierge Services
    6. Employee Landing Page
    7. Vitality and Wellbeing Solutions
    8. Communication
    9. Compliance
    10. Benchmarking Capabilities
    11. Aon Benchmarking Tools
  4. Findings & Observations
    1. Findings, Insights and Analysis
    2. Plan Overview - Vertical Fox Info
    3. Medical Claims
    4. Prescription Drug Program Analysis
    5. 2026 Medical Projection
    6. Generational /Benchmarking
    7. Education/Decision Support
    8. Healthee App
    9. MetLife - Upwise
  5. NFP Solutions - some not all
    1. Stop Loss Management
    2. Rx Solutions
    3. NFP Superbuild Program
    4. Vertical Fox
    5. TP NET/Compare
    6. Med Factor
    7. INNOVU
    8. NFP Financial Education
    9. Total Rewards Program
    10. PeopleEQ
    11. Group Excess Umbrella Program
  6. Planning & Next Steps
  7. Discover More
    1. Discover More Continued
    2. Discover More Continued
  8. Footer

Agenda

  • Who We Are
  • NFP Team and Services
  • Findings and Observations
  • NFP Solutions
  • Planning & Next Steps
  • Discover More
Who We Are

NFP, an Aon company, appreciates the opportunity to partner with Accel Entertainment to manage your benefits plans. We are confident thatour team’s passion, energy, expertise, and oversight will bring a fresh approach from strategy, resources and prospective. 

We would summarize our competitive advantage with the following key points:

Team & Service Model




Proactive Year-Round Approach

Key Considerations

Data Analytics

We work with you to weigh cost containment with employee freedom and satisfaction, compliance obligations with business interests, and employer investment with employee retirement readiness.

Our interface allows us to compare plan options, plan marketings, and model contributions in seconds allowing us to eliminate the back and forth that often slows down the decision-making process. All the financial analysis outlined below is performed and analyzed then delivered to you by your expert team of consultants.

Concierge Services

We work with you to weigh cost containment with employee freedom and satisfaction, compliance obligations with business interests, and employer investment with employee retirement readiness.

Employee Landing Page





Vitality and Wellbeing Solutions

NFP’s Vitality and Wellbeing Solutions Practice is a human-centric center of excellence focused on one not-so-simple task: making work better by elevating employee wellbeing. The complexity of this task is directly correlated to the complexity of its foundation – people are complicated. Wellbeing means something different to everyone, and companies are facing the most varied workforce to date. We work with our client’s hand in hand, implementing wellbeing programs that create positive, meaningful change for employees and the business.

We recognize that this is easier said than done. The process of change can be messy, intimidating, and difficult to measure. Companies that are willing to do this work transform from an organization that practices wellbeing into a well company. “Well” companies enjoy key elements of success, including productivity, retention, engagement, attraction, appreciation, and innovation. They also own the satisfaction of caring for your greatest asset: YOUR PEOPLE!

Communication

Communicating your benefits plan succinctly is one of the best ways to secure employee buy-in and foster loyalty and satisfaction in the workplace.

We design communications materials and strategies that:

Compliance Support

NFP’s dedicated, in-house compliance team monitors regulatory and legislative developments at the state and federal levels. NFP will assist with keeping Loyola Academy in compliance. Our expertise and significant national investment in this area uniquely position us to collaborate with you in building a successful, long-term strategic partnership. Our fully staffed team of benefits compliance attorneys is highly proficient in ACA, HIPAA, ERISA, etc. We will assign a resource if you need to speak to an ERISA attorney about a compliance issue or employee circumstance. Their services are included in our pricing. A member of your core team will coordinate these services.

Navigating shifting regulations gracefully can feel impossible at times. Our experts can back you up.

Reporting and filing requirements, notification requirements, maintaining compliant offerings and navigating privacy considerations keep you busy. Compliance can feel like an uphill battle. Keeping track of all the requirements, including but not limited to:.

  • Fiduciary responsibilities aren’t getting any easier.
  • Complying with privacy and discrimination laws isn’t always clear cut.
  • Ensuring timely, compliant notice distributions is a logistical headache.
  • Creating and communicating clear military and parental leave policies can be confusing, especially for companies that operate across state lines.

Let our dedicated compliance professionals help you steer clear of common pitfalls, avoid costly mistakes and clarify your compliance practices. Whether it’s a fully insured health plan, a self-insured plan or a consumer- driven plan, you’ll have solutions designed to help keep your employees – and your company – healthy and happy.

We use our in-depth industry knowledge to make things easier on you by offering:

  • In- house compliance professionals who dedicate their time to understanding the laws and regulations
  • A compliance checklist developed by former IRS and DOL attorneys with an employer-size- and type-adjusted compliance audit and links to model notices/action steps
  • A web- based compliance portal with FAQs, a benefits compliance library and other resources, such as client-facing training webinars
  • Proactive updates, including our biweekly Compliance Corner newsletter on federal and state regulatory changes, podcasts, and links to model notices and upcoming deadline reminders
  • Healthcare reform modeling tools and resources featuring actuarial-backed tools for the employer mandate, plan design changes, excise taxes and more

Comprehensive Internal Benchmarking

We work with you to weigh cost containment with employee freedom and satisfaction, compliance obligations with business interests, and employer investment with employee retirement readiness.

Aon Benchmarking Tools

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Accel's 2025 Benefit Plans

Findings, Insights and Analysis

Plan Overview - Vertical Fox Info

Plans and Annual Cost

Medical Claims

Medical Claims V Fox Output

Medical Claims V Fox Output

Prescription Drug Program Analysis

2026 Medical Projection

Generational /Benchmarking

Benchmarking Report All

Benchmark

HDHP Benchmark

HDHP

PPO POS Benchmark

PPO POS Benchmark

Education/Decision Support

Benefits decision support tools are designed to help employees make informed choices about their benefits packages, particularly during open enrollment. These tools use data-driven insights and personalized recommendations to guide employees through the complexities of healthcare, retirement, and other benefits options. They aim to simplify the selection process, increase employee satisfaction, and ultimately lead to better utilization of available benefits. 

As more employees approach Medicare age, it is important for employers to understand employee rights and employer obligations related to Medicare.

In this webinar, the Benefits Compliance team provided an overview of Medicare basics, discussed Medicare Secondary Payer rules, and reviewed how Medicare interacts with other federal benefit laws.​​​​

Medicare and Your Plan: Benefit Issues to Consider

  • Medicare Basics & Eligibility
  • Medicare Secondary Payer (MSP) Rules
  • Interaction with Other Laws
    • HSAs
    • Section 125 Qualifying Events
    • COBRA
  • Reporting and Disclosures

NFP Solutions - some not all

Some of the various NFP solutions we employ to assist our clients. At the core of our approach is a commitment to helping organizations and individuals solve their unique challenges effectively.


We pride ourselves on creating tailored solutions that are driven by active listening and hands-on guidance. By leveraging our specialized expertise and fostering genuine human connections, we ensure that our clients receive the best possible support.

Stop Loss Management
  • Fully vetted carrier panel with eight A-rated insurance carriers.
    • Annually renewable contracts with best-in-class provisions: “No New Laser,” renewal rate cap, and “Mirroring” rider.
    • Expedited reimbursement and claims process oversight.
    • Average claim payment turnaround time for an NFP block program of 4.6 days.
    • Customized claim statements provided with each claim reimbursement.

Panelist Carriers Include:

Automated Reporting From Medical Administrators

  • Coordinate with medical and pharmacy carriers on claims reporting
  • Detailed reports are reviewed on a monthly basis to monitor claims that reach 50% of the stop loss deductible.

NFP Monitors Claims, Ensuring Expedited Reimbursements

Oversee claims process and reduce administrative burden for our clients

Submit any claim that hits the deductible the day it is received

If additional information is requested, the claims team will work with our clients and their carriers to obtain the data

Provides updates on outstanding claims

Reimbursements Will Be Accompanied by Customized Statements

Provide claim statement showing turnaround time, amount paid, amount reimbursed, amount applied toward deductible and other pertinent details

Perform a year-end audit reconciling stop loss reimbursements against the stop loss carrier reporting and TPA reports

Pharmacy Management

  • NFP Rx Solutions is a PBM Consulting Firm that provides high-touch service, competitive pricing and drug-trend management to help employers manage their prescription costs.
  • We manage 350+ clients, more than 1.8M lives, and generated more than $2B savings since inception.
  • Unlike other coalitions, our extensive clinical team uses a proprietary technology platform to proactively identify Rx issues and offer clinical programs to reduce your Rx trend.
  • Each client receives a dedicated pharmacist, coordinator, and business analyst to oversee their PBM.
  • NFP Rx provides access to the three largest PBMs (CVS, ESI and OptumRx) and has unique access to external coalitions for extensive RFPs and repricing.
  • Exclusive, pharmacist-led specialty Rx and direct purchasing programs.

Rx Solutions and Consulting Services

Rx Coalition

NFP Superbuild Program

Superbuild Program Description

The NFP Superbuild is a next-generation health plan designed to revolutionize healthcare for self-funded employers. It leverages advanced data analytics, technology, and AI to optimize costs, enhance member experiences, and streamline access to top-tier providers and concierge care. The Superbuild integrates various high-performance clinical bundles, such as specialty drug management, mental health support, and advanced primary care, to provide a comprehensive and efficient healthcare solution.

One of the key features of the Superbuild is its value-based design, which aims to reduce waste and costs while improving the quality of care. The plan offers a single contract and feed for all point solutions, making it easier for employers to manage their healthcare benefits. The Superbuild also includes member incentives and navigation tools to help employees navigate the complex healthcare system and make informed decisions about their care. This approach not only enhances the member experience but also leads to better health outcomes and lower overall costs.

The Superbuild is built on the foundation of the Health Transformation Alliance (HTA), which was established by leading U.S. companies to address the challenges of the healthcare system. By incorporating best practices from Fortune 100 employer health plans, the Superbuild delivers outsized performance for middle-market employers. The plan's integrated architecture provides an "easy button" for employers, allowing them to participate in plan savings and share cost efficiencies with their employees. Overall, the NFP Superbuild represents a smarter, data-driven approach to employee benefits that delivers better care at lower costs.

Short Blubs

    1. NFP Superbuild General Statement: Revolutionizing healthcare for self-funded employers, Super Build optimizes costs, enhances member experiences, and streamlines access to top-tier providers and concierge care. With innovative solutions like advanced primary care, mental health support, specialty drug management, and cost transparency tools, we empower businesses to reduce waste and improve outcomes. Take control of your benefits strategy with a smarter, data-driven approach that delivers better care at lower costs.

    1. NFP Superbuild Behavioral Heath Statement: NFP has developed a proprietary platform known as the “Superbuild” designed to improve the member experience and address critical gaps in care that have long challenged group health plans. Through our Superbuild platform, we've significantly enhanced behavioral health services by adding an additional Tier 1 network layer to improve access and manage costs. Tis layer is additive to the typical carrier network of behavioral health specialists and PCPs. Members can connect with behavioral health specialists — either virtually or in person — including experts in areas such as PTSD, Depression etc. Our platform eliminates cost barriers, ensuring employees receive timely care without being burdened by cost-sharing. Additionally, we’ve embedded concierge care services to help members navigate and coordinate care, with a focus on high-quality providers.

Vertical Fox

Vertical Fox: Dynamic Benefits Underwriting and Modeling Tool

As evidenceof our commitment to innovation, we have adoptedthe Vertical Fox software platformto help support our service to you. The platform places all information and analysis about your account at your fingertips. The analytics and modeling features of the platform allow us to collaborate with you more effectively in real-time. This significantly compresses the time it takes to work through the decision-making process. This client technology portal enables us to deliver more effective strategic plans. It allows us to help our clients make better, faster decisions by delivering real-time analytics and consulting advice that results in greater cost savings opportunities and shorter, more effective renewal cycles.

Vertical Fox is transforming benefits into the digital age. Our interface allows us to compare plan options, plan marketing, and modelcontributions in sections, allowing us to eliminate the back and forth that often slows down the decision process. All the financial analyses outlined below are performed, analyzed, and delivered to you by your expert team of consultants:

  • Forecasting and key performance indicator monitoring
  • Renewal negotiation and support
  • Underwriting analysis
  • Plan designmodeling
  • Plan marketing and negotiation
  • Contribution modeling

Leveraging transparency data gives you a competitive edge in assessing the true cost and corresponding quality of healthcare services.

Steadily rising healthcare prices continue to drive employer-sponsored insurance (ESI) premiums higher and higher. These service costs consistently outpace both inflation and wage growth and impact employers and employees alike.

For employers, the price paid for healthcare services ultimately depends on the plan type, the service provided, and the carrier/payer's negotiated rate with the health system for a specific service. These prices can vary dramatically across the entire healthcare continuum and even within a particular hospital.

Until recently, these pricing variations for similar or identical services within or across health systems were mostly opaque. Concurrently, negotiated rates for services and pricing agreements between health systems and outside plan sponsors were shrouded in mystery.

NFP offers its early-to-market transparency solution TPNetTM designed to help contain healthcare costs and improve quality metrics.

For the first time, NFP can lift the veil of secrecy and offer employers the ability to compare and contrast negotiated pricing across health systems, networks, and regions across the country. With NFP’s proprietary tool TPNet, our consultants can benchmark providers, facilities, and carriers/payers to compare your healthcare offering against the best-negotiated plans in the US .

Although transparency data from health systems and insurers have been made available by The Hospital Price Transparency Rule, the Transparency In Coverage Rule, and the No Surprises Act, these resources were not designed to complement one another or be easily understood on their own. For even the most gifted data analyst on your team, the publicly available data is vast, disorganized, and confusing.

With TPNet, NFP consultants can cut through the noise and help plan sponsors establish and understand a unit cost of care baseline and customize a value-based initiative to define key utilization trends within your organization. Our experts can further help you identify the best-performing US networks and specific cost-saving opportunities based on your data.

With an eye toward minimal disruption and maximum access to quality care, NFP’s commitment to the employer market is evidenced by our insight into cost-effective benefit design, network optimization, and cutting-edge solutions.

Med Factor

Developed in partnership with Milliman, NFP’s MedFactor modeling tool is a proprietary plan value modeling tool that enables your account team, in NFP Connect, to estimate the relative value of plan design changes.Using this tool, your account team can enter major plan features into a template, easily create a comparison plan, and then review the estimated percentage change between the plans' actuarial value.

Through MedFactor, your Account Team can consider:

  • Employer goals – save money,better benefits, more control, etc.
  • Financing mechanisms – fully insured or self-insured evaluation
  • Quality of the carrier or administrator
  • Cost of product delivery

INNOVU

Innovu is a web-based decision support system emphasizing the use of the plan's various data components to provide a more comprehensive and ongoing evaluation specifically targeting the underlying cost drivers. Plan data is secured by a bi-monthly EDI feed from all the necessary and various components of the plan. In addition to medical and Rx data, Innovu has the capability to include other, formerly "siloed" data sets, including HRIS, workers' compensation, and retirement information.

NFP uses the Innovu platform to secure, combine, and analyze these various data feeds to give a complete understanding of employee, spouse, and dependent costs. This data analytics tool allows us to drill down by disease state,member type, and more to target engagement levels and project future cost drivers within your benefits program.

NFP Financial Education

Our PeopleEQ Total Engagement Platform helps drive engagement by clearly communicating with your employees so they understand that their participation in your wellbeing program can help keep them healthy, contribute to reducing their need for medical care,and potentially lower

the cost of their healthcare benefits.

Engagement and well-being are keys to employee performance and productivity. Employers want to give their employees easy access to their benefits information and, at the same time,address their physical,mental, and financial well-being as efficiently as possible. PeopleEQ addresses those needs by combining a benefits and communications hub and lifestyle wellbeing program into one comprehensive platform.PeopleEQ provides the following resources:

Group Excess Umbrella Program

Clients may find value in offering a group excess product that can save hard-earned dollars while protecting valuable assets such as homes,vehicles, watercraft, and other high-value possessions. We can support Epic by offering a group excess program that can be customized to meet your specific needs. The coverage can be designed for your company's C-suite executives, board members, officers, and directors.

A group excess personal program,rather than granting you specific access and coverages needing negotiation, places you in a group. It offers greater protection from personal liability suits than is generally available in the open individual insurance market, higher limits, and broader categories of liability coverage that can be more easily customized. Pricing is discounted, and no individual underwriting is required.

The group program we utilize works with other providers for underlying coverage,such as automobile, motorcycle, homeowners, watercraft, and other existing property lines and casualty coverage.

Optional coverages are also available through an application and underwriting approval process and include:

    • Employment practices liability
    • Nonprofit directors and officers' liability
    • Uninsured/underinsured motorists liability
    • Personal injury (libel and slander)

    • Liability coverage for volunteer work for a nonprofit or charitable, religious or community group
    • $100,000 kidnap and ransom included
    • $25,000 identity fraud included

Providing this valuable coverage to enhance and complement a personal insurance program is a way to give back now and in the future.

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