At Mercer, we believe in building brighter futures. Together, our 25,000 employees in over 130 counties are helping redefine the future of work, reshape retirement and investment outcomes, and unlock real health and well-being. For over 75 years, we’ve provided trusted advice and solutions to build healthier and more sustainable futures for our clients, colleagues and communities. Balancing economics and empathy in our approach, we work side by side with you to find solutions to benefit your people and your business. By turning ideas into actions that spark positive change, we help you enrich employees’ lives and careers and drive innovation, progress and performance. Mercer is a business of Marsh McLennan. Get to know us better: Click the “learn more” button at the top of the page to discover everything we do to help you meet the needs of today and tomorrow. Follow us on Twitter at @Mercer.

Regulatory consulting firm that specializes in servicing the Topical Over-the-Counter (OTC) drug and personal care industries worldwide. Expertise includes: - Safety Data Sheet Authoring in compliance with OSHA HazCom 2012 (GHS) - Cosmetic formulation • Assistance in resolving formulation issues • Ingredient acceptability and limits in the US and many foreign countries - California Safe Cosmetic Act Registrations - Canada Cosmetic Notifications - Preservatives: • How to preserve cosmetics for world-wide compliance • Testing protocol for preservative approval in the EU and Japan • Assistance with contamination issues - Cosmetic / OTC regulations in the United States and many foreign countries - Proper labeling of personal care products worldwide - Registration and acting as representative for foreign companies wishing to sell OTC drugs in the US - Assistance in developing Product Information Files (PIF Dossiers) for the European Union - Expert witness for cosmetic related patents, injuries, contract disputes and other business issues

Visual artist, actor and writer.

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.

BURCHFIELD INSURANCE GROUP is an employee benefits firm based out of 60 Union Street South, Concord, North Carolina.

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.

Located in the heart of Charlotte, NC, the Justice-Crews Insurance Agency stands as a prominent and larger office, offering comprehensive insurance solutions tailored for employers of all sizes. With a robust track record, this agency has proven expertise in catering to the unique needs of self-funded clients, establishing themselves as a reliable partner for local and regional employers alike. The agency's diverse clientele includes renowned names such as CV Industries, a textile mills industry leader with over 160 participants; Peoples Bank, a depository credit intermediation giant boasting 110+ participants; and Rhf Investments, a key player in the furniture and related product manufacturing sector with an impressive 1020+ participants. Specializing in the furniture and related product manufacturing, textile mills, and depository credit intermediation industries, Justice-Crews Insurance Agency brings unparalleled knowledge to the table. As part of a local brokerage firm, they differentiate themselves by seamlessly navigating the insurance landscape for midsize, large, and small employers. This demonstrated experience positions them as a go-to resource for employer benefits buyers seeking a seasoned partner in the dynamic world of insurance in Charlotte.

ECM Solutions is a trusted local insurance consultant based in Charlotte, North Carolina, with a proven track record of serving clients across various industries. Their extensive expertise and experience make them a top choice for employers of all sizes, ranging from large corporations to midsize and small businesses. The Charlotte office of ECM Solutions showcases their successful collaboration with Party Reflections Inc, a notable employer in the special food services industry. Working closely with Party Reflections' HR and finance team, ECM Solutions designed a customized self-funding arrangement and PPO plan to cater to the unique needs of their 60 members. This personalized approach ensured comprehensive coverage that aligned with Party Reflections' requirements effectively. With a diverse client base, ECM Solutions has established a strong reputation in the insurance industry. They have one of the highest M Scores possible, reflecting their broad range of experience and expertise across client sizes, industries, and products. Their exceptional service and commitment to meeting client needs have earned them high praise from satisfied customers. ECM Solutions has deep expertise in various sectors, including foundation, structure, and building exterior contractors, specialty trade contractors, and cement and concrete product manufacturing. Their knowledge of these industries allows them to offer tailored insurance solutions that address the unique risks and challenges faced by businesses in these sectors. In addition to Party Reflections Inc, ECM Solutions serves a wide range of employer clients, including Combs Concrete Construction Co., Ortec Inc, Roechling Automotive Duncan, and American Roller Bearing Company. For businesses seeking comprehensive insurance solutions, ECM Solutions is a trusted partner. Their local presence, industry expertise, and commitment to exceptional service make them a reliable choice for employers in Charlotte, North Carolina, and beyond.

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.

We can’t be all things to all people, but we are always determined to be reliable partners who work hard to find answers that enhance outcomes. NFP, an Aon company, is an integrated organization of consultative advisors and problem solvers. We provide expertise to help companies and individuals address their most significant risk, workforce, wealth management and retirement challenges. The value we deliver is driven by the proactive collaboration, diverse perspectives and grounded ambition of more than 7,700 colleagues in the US, Puerto Rico, Canada, UK and Ireland. We serve a diversity of clients, industries and communities through our global capabilities and solutions. Together, we put people first, prioritize partnerships, solve problems and continuously advance a culture we’re proud of.