Executive Summary & Value-Added Services Meridian Risk Management (“Meridian”) is excited to present our response to Iroquois Gas Transmission System, L.P. (“Iroquois”) Request for Proposal: Employee Benefit Broker. Meridian is uniquely qualified to serve Iroquois. We combine decades of experience, expertise and superior analytic tools with hands-on service in health benefits plan design, implementation and communication. Meridian focuses on mid-market organizations, such as Iroquois and has built its practice to provide expertise, technology and the professional support needed by such entities. In addition, Meridian is a member of United Benefit Advisors (UBA) which is an association of the top benefit brokers in the US and made up of over 135 partnering firms with over 2,000+ professionals. Our partnership with UBA provides Meridian with exclusive access to proprietary products, advanced benchmarking and analytics tools, implementation support services and preferred discounts through multiple carriers and vendors. It allows us to combine our personal attention with national UBA support and resources. By partnering with Meridian, Iroquois will benefit from the following: MERIDIAN EXPERIENCE The Meridian team has vast experience working with small to medium sized businesses to manage and service their employee benefit programs. Managing Partner Tom Clements widely regarded as a thought leader in the space and is a regular feature in industry publications. In addition, Tom regularly speaks at industry conventions and is a board advisor to several fin-tech/insure-tech start-ups. When partnering with Meridian we assist in all aspects of benefits plan management, which includes; plan design analysis, carrier/vendor negotiations, plan communication, employee enrollment, strategic planning and ongoing customer service support. NATIONAL AFFILIATIONS – UNITED BENEFIT ADVISORS Meridian is a proud member of United Benefits Advisors. UBA is an invite only group of the most elite employee benefit advisory firms in the world. The UBA relationship fosters collaboration between groups and enables firms to expand their insight and creativity to not only provide extraordinary solutions that mitigate employers’ costs, but also improve the lives of their employees and their families. UBA provides Meridian access to numerous proprietary programs and services as well as access to in-house legal counsel, underwriters and actuaries. The proprietary programs include: level-funded insurance, captive plans and carrier specific offerings. Through these programs, we have been able to save our clients significant dollar amounts which include immediate premium discounts, experience-based refunds and/or administrative credits. 4