HUMANCAPITAL PRACTICE

One World Financial Center200 Liberty StreetNew York, NY 10281-1003+1 212 915 8888

The Willis Building51 Lime StreetLondonEC3M7DQ+44 (0) 20 3124 6000

www.willis.com

WHAT WE DOAn organization’s success depends on itshuman capital, a critical source ofopportunity and risk. The task of recruiting,retaining and motivating your employees ismore important now than ever andrepresents a substantial investment in timeand money. Wise decisions are essential inthese areas to effectively drive and supportorganizational goals.

The Willis Human Capital Practice offers acomprehensive suite of brokerage andconsulting services, as well as subject matterexperts, to proactively design and deploy keystrategies to manage your human capital risk.

SOLUTIONSRISK VALUE

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HOW WE ADD VALUEAt Willis, we understand the risk our clients face related tohuman capital, and we work in partnership to designcompetitive, innovative and fiscally responsible benefitprograms.

What sets Willis apart? Our solutions focus on reducing humancapital risk by:

n Maximizing the health and productivity of your workforce n Providing tools and guidance to keep you aligned with HR

best practices and trendsn Developing compelling employee communications

strategies

We configured our business model to identify risks, implementsolutions and demonstrate the value of those solutions in aclient-centric and value-orientated delivery.

n Rising Health Care Costn Vendor Service Levelsn Compliance and Regulatory

Issuesn High Levels of Absenteeismn Inadequate or Declining

Productivityn Low Levels of Employee

Engagementn Attraction of Critical Talentn Voluntary Turnover of HIPOSn Poor Alignment of HR /

Benefits Strategy withBusiness Strategy

n Ineffective EmployeeCommunication

n Alignment of Pay to theMarket and Performance

n Program / Plan Designn Plan Design Benchmarkingn Funding Analysisn Performance Guaranteesn WillisMedn Decision Master Warehouse n Dependent Eligibility Auditn Claims Auditn Employer Guides and Tools n Gap Assessmentsn Willis Essentialsn Employee Communication

Strategy and Materialsn Willis Training Solutionsn Compensation

Benchmarking

n Improved Service and Value n Reduced Health Care Cost n Targeted Intervention

Strategiesn Proactive vs. Reactive

Budgetingn Improved Vendor Servicen A Culture of Healthn Attraction of Critical Talentn Effective Talent Recognition

and Rewardsn Reduced Turnovern Increased Moralen Strategy Alignment with the

Organization and Best Practicesn Effective Communication of the

Organization's ValueProposition

HEALTH CARE REFORMESCALATING HEALTH CARE COSTSRECRUITMENT AND RETENTION OF KEY EMPLOYEESEMPLOYEE ENGAGEMENT AND PRODUCTIVITY THREATSREGULATORY CHANGESEMPLOYEE HEALTH RISKSMULTIPLE AND COMPETING DEMANDSAGING AND DIVERSE WORKFORCEGROWING GLOBAL ECONOMY

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WHAT WE DOAn organization’s success depends on itshuman capital, a critical source ofopportunity and risk. The task of recruiting,retaining and motivating your employees ismore important now than ever andrepresents a substantial investment in timeand money. Wise decisions are essential inthese areas to effectively drive and supportorganizational goals.

The Willis Human Capital Practice offers acomprehensive suite of brokerage andconsulting services, as well as subject matterexperts, to proactively design and deploy keystrategies to manage your human capital risk.

SOLUTIONSRISK VALUE

Willis • 3

HOW WE ADD VALUEAt Willis, we understand the risk our clients face related tohuman capital, and we work in partnership to designcompetitive, innovative and fiscally responsible benefitprograms.

What sets Willis apart? Our solutions focus on reducing humancapital risk by:

n Maximizing the health and productivity of your workforce n Providing tools and guidance to keep you aligned with HR

best practices and trendsn Developing compelling employee communications

strategies

We have configured our business model to identify risks, implement solutions and demonstrate the value of those solutions in a client-centric and value-oriented delivery.

n Rising Health Care Costn Vendor Service Levelsn Compliance and Regulatory

Issuesn High Levels of Absenteeismn Inadequate or Declining

Productivityn Low Levels of Employee

Engagementn Attraction of Critical Talentn Voluntary Turnover of HIPOSn Poor Alignment of HR /

Benefits Strategy withBusiness Strategy

n Ineffective EmployeeCommunication

n Alignment of Pay to theMarket and Performance

n Program / Plan Designn Plan Design Benchmarkingn Funding Analysisn Performance Guaranteesn WillisMedn Decision Master Warehouse n Dependent Eligibility Auditn Claims Auditn Employer Guides and Tools n Gap Assessmentsn Willis Essentialsn Employee Communication

Strategy and Materialsn Willis Training Solutionsn Compensation

Benchmarking

n Improved Service and Value n Reduced Health Care Cost n Targeted Intervention

Strategiesn Proactive vs. Reactive

Budgetingn Improved Vendor Servicen A Culture of Healthn Attraction of Critical Talentn Effective Talent Recognition

and Rewardsn Reduced Turnovern Increased Moralen Strategy Alignment with the

Organization and Best Practicesn Effective Communication of the

Organization's ValueProposition

HEALTH CARE REFORMESCALATING HEALTH CARE COSTSRECRUITMENT AND RETENTION OF KEY EMPLOYEESEMPLOYEE ENGAGEMENT AND PRODUCTIVITY THREATSREGULATORY CHANGESEMPLOYEE HEALTH RISKSMULTIPLE AND COMPETING DEMANDSAGING AND DIVERSE WORKFORCEGROWING GLOBAL ECONOMY

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BROKERAGE ANDCONSULTING START WITH A STRATEGYWe take a strategic approach with each client,and that starts with an assessment todetermine the current state of your healthand welfare programs versus the desiredstate. Then we make specificrecommendations to align your benefitsstrategy with your organization’s businessstrategy and goals.

This will set the foundation for our ClientService Plan, which outlines tasks,deliverables, key dates and responsibleparties.

OUR SUBJECT MATTEREXPERTSWillis clients receive seamless delivery of the breadth and depth of our resources. In addition to your local team, we have a national practice comprised of industry specialists tasked with developing new products and services to complement our brokerage and consulting services. Our experts are located in the local offices and deployed regionally to ensure that our clients receive the services needed to best support their human capital strategies.

Our national practice expertise includes the following:

EMPLOYEE COMMUNICATIONOur Employee Communication consultants work with clients toestablish a strategy and identify appropriate communicationchannels.

HEALTH OUTCOMESThe Health Outcomes team is dedicated to assisting organizationsin translating data into targeted strategies to curb health carecosts, reduce gaps in employee care and improve the health andproductivity of employees.

HR PARTNERManaging benefits is just one aspect of an HR professional’soverall responsibility to attract, retain and motivate an engagedand productive workforce. To help our clients face multiple andoften competing demands, Willis created HR Partner, a team ofHR and compensation consultants.

NATIONAL LEGAL AND RESEARCH GROUP (NLRG)Willis’ National Legal and Research Group is a team of attorneysand paralegals with specialized expertise and firsthand experiencein ERISA, PPACA, the Internal Revenue Code and other laws,regulations and precedent-setting cases affecting employer-sponsored benefit plans.

REPORTING AND ANALYTICSWillis understands the significant financial investment that companies make in offering competitive benefits to their employees. We provide financial, utilization and clinical reporting to identify cost drivers, trends and gaps in care. Our detailed approach positions clients to be able to mitigate plan cost increases by identifying opportunities for savings.

Merit Matrix Modeling

Managing Employee Performance

Pay Structure Design Tools

FMLA Administration Checklist & Tools

Compensation Administration Guidelines

Search Willis Training Library

Enrollment Communications

Wellness Communications

Establishing Wellness Committees

Regulatory Updates

Health Care Reform Impact Analysis

5500 Filing

AccountManagement

Renewal &Placement

Data Analysis

A Plan for Action

Implementation

Enrollment

StrategicAssessment

BENEFIT PROGRAM MANAGEMENTWillis is unique in the industry with a specialized, locally-driven, nationally-directed placement team dedicated to producing the best terms, conditions and financial arrangements for our Human Capital Practice clients. We will support your program throughout all aspects of review and implementation, including:

n Program renewals and marketingn Request for proposal (RFP) processesn Proposal analysisn Carrier selection and implementation

CLIENT SERVICESThroughout the year, your Willis Client Service team is working for you and with you. As day-to-day issues arise, Willis will support you through:

n Open enrollment n Financial and claim reportingn Review of carrier/vendor service issuesn Assistance with administrative, billing, and complex or sensitive claim issuesn Updates through meetings, calls, publications and seminarsn Coordination of our subject matter experts and external resources

Willis • 4 Willis • 5

& Annual

BROKERAGE ANDCONSULTING START WITH A STRATEGYWe take a strategic approach with each client,and that starts with an assessment todetermine the current state of your healthand welfare programs versus the desiredstate. Then we make specificrecommendations to align your benefitsstrategy with your organization’s businessstrategy and goals.

This will set the foundation for our ClientService Plan, which outlines tasks,deliverables, key dates and responsibleparties.

OUR SUBJECT MATTEREXPERTSWillis clients receive seamless delivery of the breadth and depth of our resources. In addition to your local team, we have a national practice comprised of industry specialists tasked with developing new products and services to complement our brokerage and consulting services. Our experts are located in the local offices and deployed regionally to ensure that our clients receive the services needed to best support their human capital strategies.

Our national practice expertise includes the following:

EMPLOYEE COMMUNICATIONOur Employee Communication consultants work with clients toestablish a strategy and identify appropriate communicationchannels.

HEALTH OUTCOMESThe Health Outcomes team is dedicated to assisting organizationsin translating data into targeted strategies to curb health carecosts, reduce gaps in employee care and improve the health andproductivity of employees.

HR PARTNERManaging benefits is just one aspect of an HR professional’soverall responsibility to attract, retain and motivate an engagedand productive workforce. To help our clients face multiple andoften competing demands, Willis created HR Partner, a team ofHR and compensation consultants.

NATIONAL LEGAL AND RESEARCH GROUP (NLRG)Willis’ National Legal and Research Group is a team of attorneysand paralegals with specialized expertise and firsthand experiencein ERISA, PPACA, the Internal Revenue Code and other laws,regulations and precedent-setting cases affecting employer-sponsored benefit plans.

REPORTING AND ANALYTICSWillis understands the significant financial investment that companies make in offering competitive benefits to their employees. We provide financial, utilization and clinical reporting to identify cost drivers, trends and gaps in care. Our detailed approach positions clients to be able to mitigate plan cost increases by identifying opportunities for savings.

Merit Matrix Modeling

Managing Employee Performance

Pay Structure Design Tools

FMLA Administration Checklist & Tools

Compensation Administration Guidelines

Search Willis Training Library

Enrollment Communications

Wellness Communications

Establishing Wellness Committees

Regulatory Updates

Health Care Reform Impact Analysis

5500 Filing

AccountManagement

Renewal &Placement

Data Analysis

A Plan for Action

Implementation

Enrollment

StrategicAssessment

BENEFIT PROGRAM MANAGEMENTWillis is unique in the industry with a specialized, locally-driven, nationally-directed placement team dedicated to producing the best terms, conditions and financial arrangements for our Human Capital Practice clients. We will support your program throughout all aspects of review and implementation, including:

n Program renewals and marketingn Request for proposal (RFP) processesn Proposal analysisn Carrier selection and implementation

CLIENT SERVICESThroughout the year, your Willis Client Service team is working for you and with you. As day-to-day issues arise, Willis will support you through:

n Open enrollment n Financial and claim reportingn Review of carrier/vendor service issuesn Assistance with administrative, billing, and complex or sensitive claim issuesn Updates through meetings, calls, publications and seminarsn Coordination of our subject matter experts and external resources

Willis • 4 Willis • 5

& Annual

THOUGHT LEADERSHIPWith Willis, you get the benefit of both your local client service teamand our subject matter thought leaders working within theirrespective fields to identify and educate you on emerging and timelyissues.

CONSISTENT COMMUNICATIONWillis covers and tracks issues that can affect decisions about benefit plan designs, compliance and legislative activity on both federal and state levels. To educate our clients on a wide scope of human capital issues, we also address best practices and trends in HR, communication, and health outcomes through the following outlets:

n News alertsn Monthly newslettersn Annual survey reportsn Monthly educational webcastsn Local seminarsn Willis Wire industry blog

WILLIS ESSENTIALSWillis Essentials is a powerful portal that complements the dailyservices of your client service team with around-the-clock access toemployer guides, templates and tools. These resources help clientsstreamline everyday work tasks and drive organizational success.

Willis Essentials provides access to rich human capital contentaround compliance, employee communication, human resources,reporting and analytics and health outcomes.

DELIVERING EXCELLENCEHow do we put our array of resources to work for each client? The Willis Client Advocate®. This experienced professional is your trusted advisor, empowered to deliver all of Willis to your doorstep – and desktop. Your Client Advocate® assembles a team of Willis experts and resources including local client service, financial and placement teams, along with our regional, national and global subject matter experts. This team will work continually to assess, mitigate, manage, transfer and, where possible, eliminate your risk. We call this Glocal service – global resources, delivered locally.

GETTING STARTEDContact your local Willis Client Advocate® to learn more abouthow we help organizations manage their human capital risk.

Willis • 6 Willis • 7

THOUGHT LEADERSHIPWith Willis, you get the benefit of both your local client service teamand our subject matter thought leaders working within theirrespective fields to identify and educate you on emerging and timelyissues.

CONSISTENT COMMUNICATIONWillis covers and tracks issues that can affect decisions about benefit plan designs, compliance and legislative activity on both federal and state levels. To educate our clients on a wide scope of human capital issues, we also address best practices and trends in HR, communication, and health outcomes through the following outlets:

n News alertsn Monthly newslettersn Annual survey reportsn Monthly educational webcastsn Local seminarsn Willis Wire industry blog

WILLIS ESSENTIALSWillis Essentials is a powerful portal that complements the dailyservices of your client service team with around-the-clock access toemployer guides, templates and tools. These resources help clientsstreamline everyday work tasks and drive organizational success.

Willis Essentials provides access to rich human capital contentaround compliance, employee communication, human resources,reporting and analytics and health outcomes.

DELIVERING EXCELLENCEHow do we put our array of resources to work for each client? The Willis Client Advocate®. This experienced professional isyour trusted advisor, empowered to deliver all of Willis to yourdoorstep – and desktop. Your Client Advocate® assembles a teamof Willis experts and resources including local client service,financial and placement teams, along with our regional, nationaland global subject matter experts. This team will workcontinually to assess, mitigate, manage, transfer and wherepossible eliminate your risk. We call this Glocal service – globalresources, delivered locally.

GETTING STARTEDContact your local Willis Client Advocate® to learn more abouthow we help organizations manage their human capital risk.

Willis • 6 Willis • 7

HUMANCAPITAL PRACTICE

One World Financial Center200 Liberty StreetNew York, NY 10281-1003+1 212 915 8888

The Willis Building51 Lime StreetLondonEC3M7DQ+44 (0) 20 3124 6000

www.willis.com