USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

Fulcrum Risk Solutions is an independent, full-service brokerage firm dedicated to providing holistic risk management and insurance strategies to our clients. We foster organizational stability by implementing tailor-made population health management programs. By focusing on the physical and emotional wellbeing of your employees, we can help improve morale and drive down healthcare costs. Our consultative approach is founded on honest exchanges with our clients, and the relationships we build with them are at the heart of our business. We seek to make the complicated world of risk exposure simple so your organization can focus on doing what it does best.

Carolinas Insurance & Investment Group has served the insurance and investment needs of individuals and businesses of the Carolinas and beyond since 1990. Offices located in Rock Hill & Simpsonville, SC. Watts Huckabee leads a team of highly skilled and dedicated insurance and investment professionals that work with individuals, families and businesses to help them make the best decisions for their circumstances. This allows you and your company to focus on what you do best, while allowing our insurance and investment team to do the research for you to provide options that make sense, are affordable, and provide you the results and returns you deserve. We handle the details and become your advocate. If insurance is your need, Carolinas Insurance & Investment Group will discuss with you your corporate and individual needs and shop the market to provide you with competitive options, plans, rates and creative packages to suit your current demands. We will then review your plans annually, and provide recommendations based on changing circumstances in your business, home and the economy. Our services extend to seniors as well sharing advice on what Medicare supplement fits their individual needs, analyze which Part D prescription plan holds co-pay cost at a minimum, estate planning that maximize assets passed to their heirs, and long-term care planning. If you are a business owner and need to explore Business Continuation Planning on how best to transition your business to another family member, a current partner, an employee or others after you retire or pass away; Carolinas Insurance & Investment Group will walk you through the best practice processes and then introduce you to a business attorney to draft a plan that meets your long range continuation goals.

Flores is a premier administrator of employer-sponsored reimbursement plans including Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs) and Commuter Benefit Accounts (CBAs) as well as Life Balanced Lifestyle Spending Accounts and Student Loan Repayment Assistance. In addition to these account-based benefit options, Flores also handles COBRA and other direct bill services, including FMLA and disability leave administration, to meet the compliance needs of employers. In 2022, Flores launched a full suite of compliance solutions including Premium Only Plan (POP) administration, Wrap SPDs, Form 5500 preparation, and an HR Compliance Center. Based in Charlotte, NC, Flores has emerged as a leader in the CDHP market through a service model founded upon innovative technology, dedicated professionals, and an uncompromising commitment to remarkable service experiences, evidenced by a 97% client retention rate.

Employee Benefit Administration Specialist

Founded in 1980, Gibson & Associates was built on a heritage of integrity, leadership, and excellence, and that rich tradition continues today. In fact, we still insure the first three clients we wrote the first year we opened our doors and throughout the years, our overall client retention is 96%.We have offices in Columbia, Greenville, and Sumter, and are licensed with every insurance company writing business in South Carolina. We specialize in group medical insurance and related products, and currently represent more than 900 businesses throughout the state.

Alpine Agency, operating from Columbia, SC, is a distinguished local brokerage firm known for its specialized services in employer benefits. With a focus on medical and ancillary benefits, this office stands out for its adept handling of both local and regional employers, showcasing a strong grasp of diverse industry needs. One of the defining aspects of Alpine Agency's Columbia office is its proficiency in catering to small employers. This expertise is evident in their successful partnerships with a variety of companies. Notable among their clientele is Fukoku America, a key player in the miscellaneous manufacturing industry, engaging over 90 participants. In the textile product mills sector, they have effectively served Tb Kawashima Usa, managing benefits for over 70 participants. Furthermore, their skills extend to the lessors of real estate industry, as demonstrated by their collaboration with Chartwell Management in Massachusetts, involving around 40 participants. Alpine Agency's ability to navigate the intricacies of different sectors, particularly textile product mills, nursing and residential care facilities, and real estate lessors, underlines their versatile approach. Their tailored strategies and solutions reflect a deep understanding of each industry's unique demands and challenges. This Columbia-based office of Alpine Agency, with its proven track record and customized services, offers a reliable and insightful partnership for employers seeking to enhance their benefits offerings. Their commitment to small businesses and a wide range of industries marks them as a noteworthy choice for employers in and around South Carolina.

Integra Employer Health is a trusted local insurance broker situated in Charlotte, North Carolina. With a remarkable presence in this area, they have demonstrated their expertise by partnering with McGill Associates, P.A., a prominent employer in the architectural, engineering, and related services industry. Collaborating closely with the HR and finance team, Integra Employer Health successfully established a tailored self-funding arrangement and a PPO plan to cater to the unique needs of McGill Associates, P.A.'s 100 members. Renowned for their proficiency in assisting self-funded employers, Integra Employer Health has garnered extensive experience in this field. They diligently serve a diverse range of clients, including large and midsize employers such as Culp Inc, Ingles Markets, LeithCars.com, and McGill Associates, P.A. Their services extend beyond North Carolina, reaching clients across California and Texas. Integra Employer Health excels in delivering comprehensive solutions, earning them a remarkable M Score. Their wealth of experience and deep understanding of various industries positions them as a leading authority in sectors such as automobile dealers, grocery, and convenience retailers. Located in Charlotte, North Carolina, Integra Employer Health's dedicated team is committed to providing exceptional insurance brokerage services. They continue to leverage their knowledge, industry connections, and client-focused approach to meet the distinct needs of employers across a wide range of sizes and sectors.

At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.