F&M Bank

Table of Content

  1. Header
  2. Agenda
  3. Who is NFP
    1. Purpose and Mission
    2. Size and Scope
    3. Diversity, Equity and Inclusion
    4. NFP Connect
    5. Contact Us
  4. What We Do
    1. Consulting Services
    2. Compliance
    3. Employee Communications
    4. Pharmacy COE
    5. Stop Loss COE
    6. CaptivePlus
    7. Voluntary COE
    8. HeliosHR
    9. Well-Being
    10. Mental Fitness Center
  5. Why NFP
    1. Innovation
    2. Ventures
    3. Benchmarking
    4. Quarterly Executive Summary
    5. Actuarial Services
  6. Spaghetti Discussions
    1. Lifestyle Spending Accounts (LSA's)
    2. DailyPay
    3. Paytient
  7. Personalization
    1. Population and Demographic Analysis
    2. SWOT Analysis
    3. Cost Containment Strategies
    4. Cost Efficiency of Plan Structure and Funding
    5. Client Relationships
    6. Timeline
    7. Q&A
  8. Footer

Agenda

  • Introductions & Team
  • Who is NFP?
  • NFP Core Capabilities – “Table Stakes”
  • NFP Differentiators
  • Innovation Lab
  • Intangibles “Beyond Benefits” Consulting Partnership
  • Spaghetti - Conversations and Considerations
  • What’s Trending
  • Cost Control Experience
  • Experts in Benefits, Experts in You
  • NFP Centers of Excellence
  • NFP Data Analytics
  • Next Steps and Questions
  • Index: NFP Client Sampling


Who is NFP

NFP is a leading insurance broker and consultant that provides employee benefits, property and casualty, retirement, and individual private client solutions through our licensed subsidiaries and affiliates. Our specialized expertise matches our commitment to each client’s goals and is enhanced by our investments in innovative technologies in the insurance brokerage and consulting space.

Purpose and Mission

Our Purpose

Our passion is building strong personal relationships based on trust, transparency and active communication so we can create the best possible work environment for our employees and deliver the best possible solutions to our clients.


Our Mission

To empower organizations and people to overcome complex challenges and uncertainties with tailored solutions driven by active listening, hands-on guidance, specialized expertise and human connections.

Size and Scope

Diversity, Equity and Inclusion


NFP Connect

Quick Links

NFP Connect is our commitment to building a better user experience – for you and your employees.


First, it organizes the many solutions that come together to support your comprehensive employee benefits strategy. Your benefits administration system, your HCM/HRIS platforms, your carriers, your flex administrator, our claims team, our advocacy team, compliance, wellness, the list goes on. We believe having one site to go to, as opposed to several different URLs, to access this kind of information is just easier. We also believe this single point of entry is critical as the insurtech boom continues and more point solutions are adopted.


Second, it provides you with 365/24/7 access to your policies, contacts, plan designs, presentations, and any other document that we maintain to support our engagement. This is not a push toward self-service - we are still happy to email you what you need when you need it, BUT we do understand that we live in an instant access world, so providing you the ability to pull documents when you want is critical.


And last, it aggregates and enriches your data and helps turn that data into information. Census data, plan data, rate and contribution data, claims data, benchmark data, etc. We live in a personalized, data-driven world, and with the adoption of more and more point solutions, this data set will become even larger.


But data by itself is useless; it’s when it is brought together that it becomes information. Information that can help us help you make better business decisions – and that’s our job.


Bringing it all together:

•Unlock the power of your data, across corporate benefits, retirement and P&C

•Access a private data lake and AI-supported data enrichment

•View your compliance calendar and scheduled NFP Appointments for the entire year

•Create customized and dynamic data visualization for your employee demographics and benefit claims

•Exchange documents securely and privately

•Deliver content digitally to employees and administrators

•Provide mobile-first employee level access

•Accessible 24/7/365





Contact Us

What We Do

NFP is a leading insurance broker and consultant that provides employee benefits, property and casualty, retirement, and individual private client solutions through our licensed subsidiaries and affiliates. Our specialized expertise matches our commitment to each client’s goals and is enhanced by our investments in innovative technologies in the insurance brokerage and consulting space.


Our Purpose

Our passion is building strong personal relationships based on trust, transparency and active communication so we can create the best possible work environment for our employees and deliver the best possible solutions to our clients.


Our Mission

To empower organizations and people to overcome complex challenges and uncertainties with tailored solutions driven by active listening, hands-on guidance, specialized expertise and human connections.

Consulting Services


Compliance

Employee Communications


Pharmacy COE

Stop Loss COE

CaptivePlus

The CaptivePlus solution is designed to provide safe and flexible group captive programs that streamline NFP’s subject matter experts to the front lines of risk management. With a collaboration between NFP’s vast resources, and a fronting “A” rated stop loss carrier, we will guide the experience through the years with the intentions to maximize the opportunity and limit the risk for the members. This brings greater appetite for risk from the stop loss market and allows employers comfort in self-funding. This is achieved by reducing risk associated with purchasing stop loss coverage annually in a vehicle designed to minimize fixed cost to nearly 20% of the total spend. NFP specializes in custom designed group medical stop loss captive’s that are flexible for the needs of our advisors and valued clients.




Voluntary COE

HeliosHR

Well-Being

Mental Fitness Center

Why NFP

Innovation

For NFP, innovation is about ideation that connects problems with solutions and positively impacts people.


Our approach is collaborative, inclusive and purpose driven. While many people equate innovation solely to technology, true innovation is about creating value – by solving problems, enhancing convenience, reducing cost – in our everyday lives.​


We deliver value to our clients by:

  • Reimagining the way we conduct business and interact with each other, our partners and our clients so we can be more successful together​
  • Engaging with employers to better understand their challenges and pain points
  • Reinforcing our growth-focused culture by continuously improving structures for inclusively supporting our employees and their efforts​
  • Scouting and vetting new ideas and solutions in insurtech, fintech, HRtech and healthtech ​to keep ahead of market trends and provide thought leadership to ​our industry​




Ventures

NFP Ventures targets Series Seed to Series B investments in insurtech, fintech and digital health companies that can benefit from NFP's distribution, human capital and industry expertise.


NFP Ventures’ differentiated approach to corporate venture capital amplifies the strategic value we provide portfolio companies and the returns that we generate for investors. Our current portfolio touches each of our business lines.


Our portfolio companies provide solutions that help our clients address their most significant challenges and opportunities, including the future of work, benefit distribution, data and analytics, and the evolving consumer expectations related to insurance.


Visit NFPVF.com to view all portfolio companies.





Benchmarking

Keeping your benefits program current and competitive is vital to achieving your business strategies. A nonexistent or flawed benchmarking process may lead to poor decisions and costly results.


The dataset includes information on the prevalence, costs and provisions of different benefit types, and can be reported by:

•Company size

•Industry

•Geographic region

•Plan design specifications

•Contribution levels


Successful benefits benchmarking will support:

•Awareness of plan performance, strengths and weaknesses

•Greater confidence in developing and managing benefits plans

•Greater involvement and motivation to share market trends

•Increased willingness to share solutions to common problems and build consensus about what is needed to accommodate changes

•Better understanding of the big picture and how different factors interplay to facilitate the design of a competitive benefits package

Quarterly Executive Summary

Actuarial Services

NFP’s in-house licensed actuaries quantify the financial impact of plan changes by performing sensitivity analyses to evaluate plan strategies, comparing performance to existing benchmarks and developing financial projections.


•Premium equivalent development

•Incurred but not Reported (IBNR) Reserve Analysis

•Plan design modeling

•Financial forecasting/budgeting

•Contribution Strategy

•Internal underwriting and pre-renewal calculations

•ACA Valuation

•Alternative funding analysis (e.g. self-funding, fully-insured and combinations)

Spaghetti Discussions

Solutions to Help Attract and Retain Employees

Lifestyle Spending Accounts (LSA's)

DailyPay

Paytient

Personalization

Population and Demographic Analysis


SWOT Analysis

Cost Containment Strategies

Cost Efficiency of Plan Structure and Funding

Client Relationships

Timeline

Q&A

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