I am happy to share how pleased we were with Creative Benefit Solutions. As a national logistics company, we have specific challenges being spread across the country in multiple states with a mix of employees and independent contractors. Tim's firm did an excellent job in securing and maintaining competitive self insured major medical and dental plans, as well as ancillary plans including Life, and AD&D coverage, supplemental payroll deduction programs, disability coverage, EAP, and mini-med products. Supplying Velocity with various reporting services, including quarterly claims reports, semi-annual financial analysis, and overall claims management, enabled our management team to remain proactive in planning. In addition assistance in resolving claims issues, billing reconciliation, vendor management, enrollment regulation/compliance assistance, and preparation of communication materials enabled us to focus on other key Human Resources issues.