1. Employee Benefit Brokers
8401 Connecticut Avenue
Suite 1200
Chevy Chase, MD 20815
www.cthellmuth.com

2. About C.T. Hellmuth
• Largest privately held benefits broker in the Washington D.C./Baltimore area
– private ownership enables C.T. Hellmuth to have a single-minded focus on serving our
clients - we are not distracted by demands from Wall Street.
• Since CTH’s founding in 1972, we have had a singular mission
– we provide superior service & value by aggressively advocating on our client’s behalf
• Comprehensive employee benefits solution provider dedicated 100% to employee
benefits
– All CTH does is employee benefits; we partner with other best in class organizations to
provide the best resources for your other business needs
• Excellent client retention record; less than 2% turnover per year
• Long term client relationships
– our clients work with us as their broker for an average of 15 years
• Team Stability and Experience
– CTH’s average account manager tenure is approximately 15 years
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3. Our Value Proposition
• We partner with our clients
– Functioning as consultants, problem solvers, skillful negotiators and relationship
builders, our team of professionals work as a cohesive unit to meet or exceed client goals
and expectations.
• We deliver results
– We aggressively market insurance programs to find the most cost-effective solutions.
• We effectively manage client service activities
– A service plan is the client's individual roadmap for the delivery of broker services. This
plan assures a level of accountability by assigning responsibilities, outlining
objectives, and ultimately measuring results.
• No problem is too complex
– At CTH, no job is too big nor too small. We go to whatever length is needed in order to
give our clients the professional help and advice they need.
• Compensation is all encompassing
– We are easy to do business with. For a mutually agreed-on remuneration, CTH dedicates
all necessary resources directly to client solutions, no matter what areas of expertise may
be needed.
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4. Client Profile
• 175 Clients
• Client size ranges up to 30,000 employees
– however, the bulk of our clients are in the 300 – 2,000 employee range
• Average length of client relationship is 15+ years
• Deep industries expertise and vertical focus
Government Contracting
Technology & Telecommunications
Real Estate
Financial Institutions
Non-Profit Organizations
Law Firms
Consumer Products & Retail
International
Associations
Biotechnology
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5. Our Clients
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6. The CTH Team
Our continued success comes from our ability to recruit and retain the best people in the
business
– Our average account manager tenure is excellent: approximately 15 years.
– Our reputation, dedication to our Associates, and flat organizational structure are very
compelling to our self-motivated, goal-driven associates.
– At CTH, our clients appreciate the consistent service and attitude of partnership they
receive from a team that is dedicated to their business on a long-term basis.
– Team stability translates to an extremely important advantage to our clients - we
minimize turnover and the negative effect it has on the quality and delivery of service.
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7. Technology
• Doing business with CTH also means getting the best in technology support and
service.
• Every technology investment is expected to deliver business value and to support
strategic and successful business decisions.
• Listed below are a few examples of our commitment to investing in technology for
the benefit of our clients and Associates:
– Superior network and security infrastructure
– 100% paperless environment
– Ability for Associates to access all corporate systems remotely
– Client management system provides a 360 degree view of client, benefit plan, and
carrier data; specifically designed to increase proactive client management and
efficiencies
– Internet-based service tools and information repositories for our clients and their
employees
– Powerful online claims analysis and planning tools
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8. Comprehensive Health & Welfare
Benchmarking Comprehensive
Marketing and Renewal Mgmt
Services Carrier Negotiations
Implementation and Coordination Solutions
Employee Communication
Claim Reporting
Financial Analysis
Budget Estimates/Cost Projections
Ancillary Funding Rate/Cost Sharing Analysis Compliance
Claim Reserve/IBNR Calculations
Life/AD&D Mergers and Acquisitions ERISA and Compliance Support
Short Term Disability International Benefits Signature-ready 5500s
Long Term Disability HIPAA Administrative Support
State TDI Plans Federal and State Compliance
Long Term Care Technology Plan Document Review
Executive Benefits HIPAA Privacy/Security Compliance
Voluntary Benefits Online Employee Survey
COBRA, FMLA, USERRA Support
Pension and 401 (k) Capabilities
“Client Community”
Online HR Resource
Center
Online Benefit
Communication
Online Enrollment
Employee Health &
Wellness Portal
Employee Benefit
Statements
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9. The Renewal Process
RFP Process Implementation &
Renewal Financial
Development Communication
Process Analysis
and Marketing
Needs Analysis Industry Trends Monthly Claims Reporting Activities Calendar
Strategic Planning Renewal Timeline  Large Claimant Analysis Decision Checklist
 Market Identification  Early Renewal Request  Loss Ratio Analysis Vendor Coordination
 Process Management  Benchmarking Analysis  Trend Analysis Implementation Meetings
 Decision Criteria Employee Survey  Utilization Analysis Employee Communications
•Cost  Renewal Projections  Cost Projections  On-site Enrollment Meetings
•Network  Evaluate Renewal  Plan Design Modeling Facilitate timely ID Cards
•Benefits Extensive Negotiations Budget Development  Post Implementation Review
•Funding Network Disruption Analysis Final Accounting Evaluation SPD review
•Contract Terms Renewal Marketing Fun ding Analysis
•Care Presentation
Management
Finalist Presentations
•Technology
 Plan Design Modeling
•Reporting
 Contribution Modeling
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10. Sample Renewal Calendar
1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
January April July October
•1/1/10 effective date •Carrier/Vendor service •Renewal Projection, •Finalize Employee
•Receive SPD drafts and/or administration Benchmarking and RFP Contributions and 2009
meetings Strategy Budget
•Develop RFP (if necessary) •Develop Open Enrollment
•5500 filing deadline communications
February May August November
•2009 Client Strategy and •Claims Utilization Meeting •Request Schedule A’s from •Open Enrollment
Goal Setting carriers and data from client Period/Meetings
•Review and revise SPDs •Renewals Received
•Marketing Received
•Renewal and Marketing
Negotiations
March June September December
•Request early renewals •Mid-year review of what is •Negotiations continued •Transmit Eligibility Data
•Finalize SPDs working and what needs •Renewal/Marketing Results •Renewal confirmation letter
•Claim utilization report improvement Meeting •Eligibility loaded and ID
•Signature ready 5500 filing •Finalist Presentations cards issued
for client review •Holiday lunch/dinner
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11. Why Choose CTH
• Track Record
– Average client relationship: over 15 years
– Average client retention rate: 98% for the past 10 years
• Team Stability and Experience
– Average Account Manager tenure at CTH: over 15 years
• Specialized focus
– Our company is dedicated 100% to employee benefits
– Deep industry-specific expertise
• Marketplace leverage
– CTH’s Account Manager tenure, professionalism, and reputation have fostered deep marketplace relationships used to
advocate very effectively for our client’s interests
– 2nd largest benefit broker in the DC Metropolitan/Baltimore area (based on market share of clients with 300 to 3,000
employees)
• Private ownership
– Not distracted by the demands of Wall Street
– Easy to do business with
– You (our clients) come first in everything we do
• Because we want to earn your business!
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