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FSA, COBRA, Retiree Billing Renewal and Marketing Presentation Brevard Public Schools Effective: 01/01/2017 Presentation Date: 02/12/2016 Placement Ana Cobar Account Executive Chris Woertz Mike Meredith Consultant Karen Mitchell Senior Client Manager

Disclaimer Enclosed is a Renewal Analysis of the renewal terms and conditions for your current renewal policies and/or service contracts. We looked at a number of carrier(s)/vendor(s) for the coverages and/or services you require and are attaching a Marketing Analysis to assist you with reviewing your options based on these quotes We believe that the terms and conditions of the attached Renewal / Marketing Analysis reflect the coverages and/or services that you directed us to obtain. We will furnish you a copy of the original renewal/recommended quotes upon your request. Please be advised that the renewal/quotes attached may differ from your current policy. We recommend that you read the renewal/quotes specifications from the carrier in their entirety and compare them to your current policy. We have highlighted certain key areas in the attached analysis. Also, please examine the renewal/proposals from the carrier(s) and make note of any expiration dates indicated. We are not contractually obligated to provide quotes from only these carriers. The choice of carriers is based on our knowledge and experience of the market sector and your situation. Proposals/the renewal are based on the information that you provided to us and have been relied upon by Willis and (re)insurer and/or service provider. If the information you provided is inaccurate or incomplete, it may allow (re)insurers and/or service providers to avoid liability on a particular claim or to void a policy entirely. Therefore, if you discover that previously submitted information is inaccurate or incomplete, please advise us immediately so that we can attempt to revalidate terms with (re)insurers and/or service providers. All premium payment terms must be met on time or the insurance carriers and/or service providers will have the right to effect notice of cancellation for non-payment of premium. We will not be responsible for any consequences that may arise from any delay or failure by you to pay the amount payable by the indicated date. The purpose of this communication is to summarize the proposal/renewal terms and the coverage available and should not be construed as providing any final commitment by the insurer or any confirmation of actual coverage. Please provide us with your specific written instructions of the coverage selection you make. Please review this proposal and its attachments carefully and provide us with your specific written instructions of the coverage selection you make. If you have any questions or you feel the coverage recommended is not in accordance with your instructions, please contact us. If you have questions or concerns regarding our compensation, please contact your Client Advocate or you may also call 1-866-704-5115. In our search for your insurance coverage we have used the (Intermediary/ sub-broker) referenced in the summary of quotes which has provided the recommended quote(s). If the (Subbroker) is an affiliate of the Willis group of companies, any compensation it receives is included in the total compensation disclosed in the summary of quotes. This proposal is presented in conjunction with the Standard Terms and Conditions for Human Capital Accounts which is enclosed. 4211 W Boy Scout Blvd. Suite 1000 Tampa, Florida 33607 (813) 281-2095 Disclaimer Page 2

Market Summary - Brevard Public Schools We have listed for you the carrier(s)/vendor(s) that we sought and their responses, our compensation and Sub-Brokers (if any) in the following Summary Table: Carrier Name Line of Business Response Compensation Additional Compensation Market Security Ameriflex FSA, COBRA, Retiree Billing Declined, cannot match billing setup NA None Not approved BASIC pacific FSA, COBRA, Retiree Billing Quoted Net None Not approved Benefit Concepts FSA, COBRA, Retiree Billing Pending response NA None Not approved bswift FSA, COBRA, Retiree Billing Declined, only offer services to groups with their technology NA None Not listed Chard Snyder FSA, COBRA, Retiree Billing Quoted Net None Not listed Continuon FSA, COBRA, Retiree Billing Quoted Net None Not listed Discovery FSA, COBRA, Retiree Billing Quoted Net None Not approved Employee Benefits Corporation (EBC) FSA, COBRA, Retiree Billing Quoted Net None Approved Flores & Associates FSA, COBRA, Retiree Billing Quoted Net None Not approved Infinisource FSA, COBRA, Retiree Billing Quoted Net None Not approved P&A Group FSA, COBRA, Retiree Billing Quoted Net None Not approved PayFlex FSA, COBRA, Retiree Billing Quoted Net None Healthcare Organization We have listed for you the name of the carrier/vendor that submitted the renewal including our compensation and Sub-Brokers (if any) in the following Summary Table: Carrier Name Line of Business Response Compensation Additional Compensation Market Security TASC FSA, COBRA, Retiree Billing Renewal Net None Not listed Additional Compensation contracts are continually under negotiation and may differ from what appears above at the time of the plan effective date. Market Summary Page 3

Brevard Public Schools FSA, COBRA and Retiree Billing Services Market Analysis Cost Summary CURRENT FSA COBRA Retiree Billing Total TASC $141,794 $5,400 $8,607 $155,801 Estimated Annual Premium Difference PROPOSED FSA COBRA Retiree Billing Total Dollar Percent Rank Guarantee TASC - Renewal $119,315 $5,400 $8,607 $133,322 -$22,480-14.4% 1 3 years. BASIC pacific $127,961 $5,400 $15,873 $149,234 -$6,568-4.2% 6 2 years Chard Snyder $129,690 $5,400 $8,547 $143,637 -$12,164-7.8% 4 5 years Continuon $133,148 $5,076 $9,421 $147,645 -$8,156-5.2% 5 5 years Discovery Option 1 $129,690 $46,170 $21,978 $197,838 $42,037 27.0% 9 5 years Discovery Option 2 $129,690 $18,270 $21,978 $169,938 $14,137 9.1% 7 5 years EBC $110,669 $13,980 $17,094 $141,743 -$14,059-9.0% 3 3 years Flores & Associates $140,065 $61,560 $17,094 $218,719 $62,918 40.4% 11 5 years Infinisource $129,690 $56,430 $18,315 $204,435 $48,634 31.2% 10 3 years P&A Group $112,398 $11,286 $12,210 $135,894 -$19,907-12.8% 2 5 years PayFlex $141,794 $43,200 $10,642 $195,636 $39,835 25.6% 8 3 years THIS SUMMARY IS FOR ILLUSTRATION PURPOSES ONLY. Actual rates will be based on final underwriting/enrollment This proposal is not to be construed as an exact or complete analysis of the policies nor as legal evidence of insurance. THIS INFORMATION IS PROPRIETARY AND SHOULD NOT BE DISTRIBUTED. Cost Summary Page 4

Brevard Public Schools 2017 FSA Administration Fees Marketing Analysis TASC TASC BASIC pacific Chard Snyder Continuon Services, LLC Discovery EBC Flores & Associates Infinisource P&A Group PayFlex PLAN HIGHLIGHTS Current Negotiated Renewal Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Set Up Fee NA NA NA Waived N/A No fee Waived Waived NA Waived NA Administration Fees $4.10 $3.45 $3.70 $3.75 $3.85 $3.75 $3.20 $4.05 $3.75 $3.25 $4.10 Debit Card Fee Renewal Fees Waived Waived None Waived Waived No fee Waived None Waived N/A Waived Enrolled Cost Analysis: 2882 $141,794 $119,315 $127,961 $129,690 $133,148 $129,690 $110,669 $140,065 $129,690 $112,398 $141,794 2,882 participants 2,882 participants 2882 participants Implementation Waived Waived Waived No fee Waived None Waived $500.00 Employer Manual TBD Not Online manuals available, at no additional cost electronically Enrollment Kits electronically; $0.95 B&W / $1.65 Color + S&H for printed packets electronically, $3 per packet for printed uncollated kits electronically online; $1.50 per enrollment for paper enrollments; Enrollment kits - $0.95 per kit plus shipping Record Keeping electronically electronically Reports Standard included Standard Standard reports included electronically Additional Debit Card $10 for additional/replacement cards Standard and Custom included via website Standard included electronically $5 per set (2 cards) Direct Deposit TBD electronically Direct Mail TBD TBD for debit cards and standard items (i.e., account summary statements, debit card substantiation, suspension letters, claim exclusion letters, etc.) Employee Statements Web access 24x7 Web access 24x7 Web access 24x7 Online access 24/7 Web access 24/7 Web access 24x7 and via text message Discrimination testing, annual, annual, annual, annual, annual, annual 3 out of 9 tests included 5500 preparation Schedule A Information Will provide report for financial provider Web access 24x7 SPD/Plan Document, our on staff ERISA attorney customizes all legal documents Amendments $250 per mid-year or IRSmandated; included at renewal Up to 2 per year free of charge $50/Amendment during plan year; during Renewal there is no fee Minimum Monthly Admin Fee $50.00 $50.00 $500 a la carte / $1,000 bundled with COBRA & $100.00 $150.00 $50.00 $50.00 $0.00 $75.00 NA $150 per month Retiree Fee Guarantee Period NA 3 years 2 years 5 years 5 years 5 years 3 years 5 years 3 years 5 years 3 Years : 10% of revenue at risk in the form of : 5% of 1st Performance Guarantee NA Not included mutually agreed upon and quarter fees for : 3% of fees Guaranteed 24 hour claim measurable parameters Implementation and 10% maximum exposure - Not included Not included adjuduciation turn-around including implementation, for Participant Call Center, specifics to be negotiated time ongoing service and Web Site and Claims Not included Not included Not included processing turn-around Processing times FSA Page 5

Brevard Public Schools 2017 Administration - COBRA Analysis Administration TASC TASC BASIC pacific Chard Snyder Continuon Discovery EBC Flores & Associates Infinisource P&A Group PayFlex Current Renewal Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed COBRA - 2% admin fee TASC retains TASC retains Basic pacific retains Chard Snyder retains Continuon retains Discovery retains EBC retains Flores retains Infinisource P&A retains PayFlex retains Per Participant per month $25 per participant per month $25 per participant per month $25 per participant per month $25 per participant per month $23.50 per participant per month NA $15 per qualifying event $8 per continuant per month $0.60 per insured employee per month $0.55 per insured employee per month $0.11 per Insured per month NA Billing/Eligibility per month NA NA NA NA NA Option 1: $0.45 per covered employee per month; Option 2: NA NA NA QE Notice per notice Initial Notification Per Notice Option 1: ; Option 2: $28.00 per QE Option 1: ; Option 2: $2.00 per notice $15.00 $15.00 $4.00 Takeover charge - existing continuants (required formatting) electronically; $10 paper takeover Option 1: ; Option 2: $15.00 per takeover $10.00 per Qualified Beneficiary Per QE charge NA Option 1: ; Option 2: $28.00 per QE $8.00 NA Renewal Enrollment Packets (participants only) Standard open enrollment/rate change letter and generic carrier enrollment form included. Additional open enrollment materials can be mailed @ $1.00 per duplex page, with 25 page maximum. Rate change letters are standard administration. Complete Open Enrollment Fulfillment is $15/packet mailed. Client would normally handle or Flores can handle for $10 per package plus shipping. $10 per packet $15 per package plus postage, after 90 days Liability Coverage $1 Million per occurrence $1 Million per occurrence $5 Million each claim / $5 Million aggregate $2 Million per occurrence / $4 $5 Million per occurrence / $5 Million aggregate Million aggregate $5 Million $1 Million $2 Million / $10 Million Aggregate P&A assumes 100% liability on behalf of our clients and guarantees compliance with all laws and regulations $10 Million per claim / $10 Million Aggregate Estimated Total Annual COBRA Costs (excludes Renewal Enrollment Packages) $5,400 $5,400 $5,400 $5,400 $5,076 Option 1: $46,170; Option 2: $34,170 $13,980 $61,560 $56,430 $11,286 $43,200 Assumptions 18 participants 18 participants 18 participants 18 participants 18 participants Option 1: 8,550 employees Option 2: 18 takeover participants; 50 QEs per month, 8,550 employees 18 takeover participants; 50 QEs per month 8,550 employees 8,550 employees 8,550 employees 50 QE notices per month, 8,550 employees Other Fees NA NA None $10 Paper takeover (electronic included); Mid Year/End of Year Plan Termination charge of $one month's administration fee None None Optional Services: $2.75 per notice for mailed Initial COBRA Notice to current employees; $15 per packet for Open Enrollment Excess QE fee in excess of 20% annual turnover $3.75 per QE; 2% COBRA administrative fee retained by Flores Optional Services: Open Enrollment kits - $10 per packet; Additional annual fee per location applies for separate tracking for multiple locations None COBRA member termination notice $5.00; Annual Open Enrollment election form processing (if Plan Sponsor administers Open Enrollment) $5.00 per form processed; Custom non-standard notices $5.00 per notice and $150 set up fee; Summary of Benefits and Coverage form $0.60 per page plus postage; Premium disbursement to carriers $50 per carrier per remittance; Custom reporting and Web Development $150 per hour Implementation Fee Waived Waived One-time $75 per hour charge for assistance with reconciling carrier invoices prior to takeover if required Waived Waived None Waived None Waived $500, waived if sold with Direct Bill Eligibility transfers to carrier TBD COBRA Page 7

Brevard Public Schools 2017 Administration - COBRA Analysis TASC TASC BASIC pacific Chard Snyder Continuon Discovery EBC Flores & Associates Infinisource P&A Group PayFlex Current Renewal Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Eligibility and Premium Transfers to carrier TBD $75 per invoice Additional cost, not advised - Standardly sent to employers Remit to employer monthly with recap report P&A will either contact the carriers directly for all reenrollment and terminations or set up a file feed at no additional cost for either method. For premium remittance, P&A bills continuants monthly, collects the premiums and remits those premiums along with a remittance report back to the employer so they can submit payments with their group bill, as all COBRA continuants show remain on the group bill. $50 per carrier per month Minimum Monthly Billing Fee None None $325 $75 $50 $150 $50 None None None $150 Renewal / Other Fee TBD Waived None Waived None None Waived None None None Waived Rate Guarantee NA 3 years 2 years (requires FSA) 5 years 5 years 5 years 3 years 5 years 3 years 5 years 3 years Turnover Threshold Assumed in Your Rating Notes / Comments NA 6% Annual New Hire and QE (Brevard is at 2.5%) Performance Guarantee included: 3% of fees maximum exposure - specifics to be negotiated 1) Some of the administrator fees are based on QE/notices. Per TASC, we have made an assumption of approximately 50 QE/notices per month. No limit 20% or less No limit No limit 20% or less 20% or less $0 $0 Actual rates will be based on final enrollment THIS BENEFIT SUMMARY IS FOR ILLUSTRATION PURPOSES ONLY. This proposal is not to be construed as an exact or complete analysis of the policies nor as legal evidence of insurance. The provisions of the actual policy will prevail. THIS INFORMATION IS PROPRIETARY AND SHOULD NOT BE DISTRIBUTED. COBRA Page 8

Brevard Public Schools 2017 Retiree Direct Bill Services Marketing Assumptions Estimated Retirees 407 Estimated New Retirees Per Month 1 TASC TASC BASIC pacific Chard Snyder Continuon Discovery EBC Flores & Associates Infinisource P&A Group PayFlex Current Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Proposed Administration Charges One Time Retiree Set-up Fee $5.00 per Retiree $5.00 per Retiree NA None $5.00 per Retiree None Waived Waived None None $5.00 per Retiree Ongoing Renewal Costs NA NA NA NA NA Waived Waived NA None Waived Total Monthly Administration Fee (PPPM) $1.75 $1.75 $3.25 $1.75 $1.50 $4.50 $3.50 $3.50 $3.75 $2.50 $1.75 Monthly Minimum None $0.00 $100.00 $100.00 $0.00 $0.00 $50.00 None None None $150.00 Services Issue Monthly Bills - Paper, Electronic, Both Coupons Plan Year Coupon Booklet Coupons, Electronic & ACH as Coupon Books. P&A will bill Retirees on a Quarterly basis Reminder Notices NA NA Not included Not. Sent on the 20th of the month following the quarterly bill, if premium has not been received. $3.00 per notice Participant Paper Account Statement NA Coupons Quarterly electronic unless no email address on file, then paper sent semi-annual Online Account Access NA Participants can access real time account information through the Participant Portal. Yes, 24/7 online account access Not Employer Reports Estimated Costs, online access in real-time 24/7, can customize reports or create new reports to satisfy the specific needs of Brevard First Year $8,607 $8,607 $15,873 $8,547 $9,421 $21,978 $17,094 $17,094 $18,315 $12,210 $10,642 Second Year $8,607 $8,607 $15,873 $8,547 $7,386 $21,978 $17,094 $17,094 $18,315 $12,210 $8,607 Rate Guarantee NA 3 years 2 years (requires FSA) 5 years 5 years 5 years 3 years 5 years 3 years 5 years 3 years Notes / Comments Preparation and distribution of open enrollment materials with benefits confirmation notice and open enrollment membership maintenance handled by Brevard Retirees have the option to pay premiums via check, ongoing ACH, VISA or virtual check. An additional charge will be assessed for VISA and virtual check payments. Fees included unlimited customer service provided by all US based staff. We offer retirees the ability to pay by one-time or recurring ACH. Online payment options are available. There are convenience fees for credit card processing. It is the responsibility of the employer to ensure the accuracy and timeliness of the Retiree member information provided to Discovery Flores dedicated account manager. Flores answers the telephone with a live voice M-F 8:30-5PM. Retirees appreciate that high level of service. They tend to call more often and talk longer. That is okay as we are very supportive. P&A will coordinate open enrollment with Brevard on behalf of the retirees. P&A will mail out Open Enrollment packets to all Retiree participants. After Additional $500 the election notice has been implementation fee applies if sent to the retiree, P&A Retiree Billing Services ensures the election is purchased without COBRA consistent with the time frame mandated by the employer. Upon premium payment, P&A enrolls retiree in the applicable coverage with insurance carrier(s). (1) Additonal charges for administrators other than TASC may be incurred for premium reimbursements. Actual rates will be based on final enrollment THIS BENEFIT SUMMARY IS FOR ILLUSTRATION PURPOSES ONLY. This proposal is not to be construed as an exact or complete analysis of the policies nor as legal evidence of insurance. The provisions of the actual policy will prevail. THIS INFORMATION IS PROPRIETARY AND SHOULD NOT BE DISTRIBUTED. RETIREE Page 9