2009-27137 ResoRESOLUTION NO. 2009-27137
A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF
THE CITY OF MIAMI BEACH, FLORIDA, AUTHORIZING THE
CITY TO ENTER INTO AN AGREEMENT WITH
METROPOLITAN LIFE INSURANCE COMPANY FOR THE
ADMINISTRATION OF THE CITY'S GROUP DENTAL PLAN
FOR A THREE YEAR PERIOD, COMMENCING ON JANUARY1,
2010, AND ENDING ON DECEMBER 31, 2013, FOR A NOT TO
EXCEED FEE OF $175,000 ANNUALLY, FOR THE FIRST AND
SECOND YEARS, PURSUANT TO THE REQUEST FOR
PROPOSALS ISSUED BY GALLAGHER BENEFITS SERVICES,
THE CITY'S CONSULTANT OF RECORD
WHEREAS, the City's agreement for the self-funded group dental plan
administrator and fully-insured dental health maintenance organization (DHMO) expires
on December 31, 2009; and
WHEREAS, in order to continue group dental benefits to the City's employees
and retirees, the Administration worked with Gallagher Benefit Services (Gallagher), the
City's consultant of record, to issue a Request for Proposals (RFP) for the administration
of the group dental plan; and
WHEREAS, the administrative fee submitted by Metropolitan Life Insurance
(MetLife) for the City's self-funded group dental plan, although not the lowest, is the
same as the City's incumbent plan and, therefore, does not increase the City's costs for
this coverage; and
WHEREAS, the premium submitted for the fully-insured Dental Health
Maintenance Organization (DHMO) was provided by MetLife, providing a sixteen percent
(16%) reduction from the current DHMO premium; and
WHEREAS, the benefits provided by the MetLife DHMO provide an enhanced
benefit program to the City's employees, retirees and their dependents; and
WHEREAS, after evaluating the respondents, Gallagher recommends the
administration of the City's self-insured group dental plan and the fully-insured DHMO
plan be awarded to MetLife, based on the value of the benefit provided and the cost; and
WHEREAS, the City's Group Insurance Board (Board) was asked to the make a
recommendation to the City Manager on the selection of the administrator for the City's
group dental plans; and
WHEREAS, the Board recommends the administration of the City's self-insured
group dental plan and the fully-insured DHMO plan a be awarded to MetLife based on
the value of the benefit provided and the cost; and
WHEREAS, the City Manager has reviewed the recommendations of the Board
and Gallagher and recommends accepting the recommendation of both Board and
Gallagher, awarding the administration of the City's self-insured group dental plan and
the fully-insured DHMO to MetLife.
NOW, THEREFORE, BE IT DULY RESOLVED BY THE MAYOR AND CITY
COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, that the Mayor and City
Commission hereby authorize the City administration to enter into an agreement with
Metropolitan Life Insurance Company for the administration of the City's Group Dental
Plan for a three year period, commencing on January 1, 2010, and ending on December
31, 2013, for a not to exceed fee of $175,000 annually, for a the first and second years,
pursuant to the Request for Proposals issued by Gallagher Benefits Services, the City's
consultant of record.
PASSED and ADOPTED this 15th day of July , 2009.
MAY R
Mattie Herrera Bower
ATTEST:
C TY CLERK
Robert Parcher
APPROVED AS TO
FORM & LANGUAGE
FOR EX~UTION
Attorney
T:WGENDA\2009Uu1y 15\Regular\Dental Benefit Resolution.doc
COMMISSION ITEM SUMMARY
Condensed Title:
A Resolution authorizing the City to enter into an agreement with Metropolitan Life Insurance Company for the
administration of the City's Group Dental Plan.
Intended Outcome
• Attract and maintain a quality workforce.
• Ensure ex enditure trends are sustainable over the Ion term.
Supporting Data (Surveys, Environmental Scan, etc.):
I. 2007 Employee Satisfaction Survey
• 69.6% of employees surveyed participate in dental benefits.
II. 2007 Internal Support Functions Survey
• Overall satisfaction of benefits administration was rated 75.6% as excellent or good combined.
III. 2008 Environmental Scan
• Motivated and Skilled Workforce turnover rates = 13.86% for 2007 vs. 10.7% for 2006.
Issue:
Should the City enter into a three (3) year agreement with Metropolitan Life Insurance Company (MetLife) for
the administration of the City's Group Dental Plan?
item 5ummarv~Kecommendation:
The City Code of Ordinances provides for employee dental care coverage with the cost of such coverage
shared between the employee and the City. In addition, the collective bargaining agreements of AFSCME,
CWA, GSA and FOP all require the City to provide group dental coverage to their members. On January 1,
2009, with one (1) year left on the City's current group dental contract, the City moved from afully-insured plan
to aself-insured plan. The current administrative service contract with Humana CompBenefits expires on
December 31, 2009 for all plans except the DHMO, which is only available as afully-insured plan.
Gallagher Benefits Services issued RFP No. 10-2589 requesting proposals for the administration of the City's
group dental plan. As a result of this RFP, Gallagher Benefits Services and the City's Group Insurance Board
has recommended the City's current administrative agreement with Humana CompBenefits not be reviewed at
the end of the contract period and that the City enter into an agreement with MetLife for the administration of the
City's self-insured dental plan and fully-insured Dental Health Maintenance Organization effective January 1,
2010.
Adviso Board Recommendation:
The Group Insurance Board recommends this action.
Financial Information:
Source of Amount Account
Funds: 1 $97,000 565-1794-000397
Full Insured Premiums for Active Em to ees
2 $21,000 565-1794-000303
Administrative fees for Active Em to ees
3 $38,000 565-1794-000372
Full Insured Premiums for Retirees
4 $19,000 565-1794-000304 '
Administrative fees for Active Em to ees
OBPI Total $175,000
Financial Impact Summary:
The proposed plan management fees submitted by MetLife are equal to the monthly plan management fees
paid by the City for the current self-funded dental plan, therefore the City's contributions will remain the same
as the current fiscal year. However, the proposed fully-insured premium for the Dental Health Maintenance
Organization by MetLife is 16% lower than the fully-insured premium of the City's current Dental Health
Maintenance Organization resulting in an annual cost savings to the City of approximately $21,000.
Cit Glerk's Office Le islative Trackin
Sue Radig, Human Resources Administrator I
Si n-Offs:
Department Director Assistant City Manager.. City Manager
Ramiro Inguanzo,
Human Resources Director
I~~ ~ Y t ~ ~ ~,~~ ~ A{aEtiIDA ITEM ~
DATE ~-I S 9'
m MIAMIBEACH
City of Miami Beach, 1700 Convention Center Drive, Miami Beach, Florida 33139, www.miamibeachfl.gov
COMMISSION MEMORANDUM
TO: Mayor Matti Herrera Bower and Members of the City Commission
FROM: Jorge M. Gonzalez, City Manager _ ,'
DATE: July 15, 2009
SUBJECT: A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI
BEACH, FLORIDA, AUTHORIZING THE CITY TO ENTER INTO AN AGREEMENT WITH
METROPOLITAN LIFE INSURANCE COMPANY FOR THE ADMINISTRATION OF THE
CITY'S GROUP DENTAL PLAN FOR A THREE YEAR PERIOD, WITH A NOT TO
EXCEED FEE OF $175,000 ANNUALLY FOR THE FIRST AND SECOND YEARS,
PURSUANT TO THE REQUEST FOR PROPOSALS ISSUED BY GALLAGHER
BENEFITS SERVICES, THE CITY'S CONSULTANT OF RECORD.
ADMINISTRATION RECOMMENDATION
Adopt the Resolution.
BACKGROUND/ANALYSIS
Chapter 78, Article II, Sections 78 through 8 of the City Code of Ordinances provide for employee
group health coverage, including group dental coverage, with the cost of such coverage shared
between the employee and the City. In addition, the collective bargaining agreements of the
American Federation of State, County and Municipal Employees (AFSCME), the Communication
Workers of America (CWA), the Government Supervisors Association (GSA) and the Fraternal Order
of Police (FOP) require the City to provide group dental coverage to their members. The City's group
dental plan excludes coverage for members of the International Association of Fire Fighters (IAFF) as
they are provided group dental coverage through their own dental trust and do not participate in the
City's group dental plan. Providing group dental coverage to employees is just one of the benefits that
enables the City to attract and maintain a quality workforce, one of the key intended outcomes of the
City's Strategic Plan.
Currently, the City provides its active full-time employees and retirees the opportunity to purchase
group dental care coverage. Both the City and the employee/retiree contribute to the cost of this
coverage, at different rates, based on the plan elected by the participant.
Retirees hired prior to March 18, 2006 share equally in the group dental cost with the City paying 50%
and the retiree paying 50% of the cost of coverage. However, due to the changes in the Cites pension
system in March 2006, those employees hired after March 18, 2006 will be provided a stipend of $10
a month for each year of service toward their group health and dental costs as retirees. This change
in 2006 results in long-term savings to the City.
In 2001, the City recognized that, along with other public and private employers, it was experiencing
significant increases in the cost of dental insurance. At that time the City Manager formed the Group
Health Insurance Task Force with the objective of developing comprehensive solutions addressing
the City's growing challenges in the area of group health insurance including group dental insurance.
The Group Health Insurance Task Force, comprised of both employees and residents, was asked to
review the City's benefit levels, plan designs, costs, and coverage, to make recommendations
regarding the City's group dental care options consistent with industry standards, and to help reduce
the City's dental care costs.
July 15, 2009 City Commission Meeting
Selection of a Group Dental Insurance Administrator
Page 2 of 5
Many of the recommendations made by this Task Force have been implemented, and have provided
the City with some relief in annual premium cost increases. Some of the recommendations that have
been implemented include:
• Conforming the City's benefits plans to industry standards.
• Continue City support and premium contribution for dependent group dental coverage.
• Change the City contribution for Retiree Group Dental to coverage based on years of service.
In June 2008, the City Commission passed a resolution toimplement aself-insured group health plan
which included group dental coverage. The City previously provided employee group dental coverage
through afully-insured group dental plan. Afully-insured group dental plan afforded the City the
opportunity to provide group dental care coverage without any assumption of risk or reward. The City
purchased an "off-the-shelf' plan for a set monthly cost, understanding that coverage could not be
changed or customized to the group's varying needs. Monthly premium dollars were paid to the
carrier without any City controls on the plan, without any information flowing back to the City on
incurred claims, or without any guarantee that the plan is providing high quality cost effective benefits
to its employees. The carrier built gains (profits) into its premium costs to guarantee both plan
solvency and a return to the plan's investors. The City's only risk was the steady increase in premium
based solely on the group's claim performance for the previous year - a good claim year resulted in a
minimal premium increase for the next plan year and a bad claim year resulted in a significant
premium increase for the next plan year, allowing the carrier to recoup their losses from the previous
year, and earn profit for the new plan year.
By moving to aself-insured group dental plan, the City now assumes both the plan's risk and its
reward. A monthly administration fee is paid to the plan administrator or third party administrator
(TPA), providing the City with a provider network, claims adjudication and plan administration,
minimizing the carrier's profit. The City is provided access to employee claim information (without any
identifying employee information) to help customize plan benefit design. In addition, the incurred
claims information can be utilized by the City's benefits consultant to make the annual actuarial
determination of plan premium costs. Excess premium amounts (carrier profits under afully-insured
plan) are retained by the City and used to build the City's plan reserves, which can be utilized to
enhance future benefits, mitigate risk and restructure premium for the City and employees. In years
when the City may incur claims costs greater than the assumed risk, plan reserves would be available
to mitigate the cost impact to the City and its employees. It is important to note that plan reserves can
only be used on dental care components, and cannot be used for other purposes.
The TPA provides the City with the day-to-day administration of the dental plan benefits, access
provider networks and provider discounts, claims processing, detailed claim and plan utilization
reporting, and wellness programs. In addition, the plan administrator guarantees compliance with
state and federal mandates, including the Consolidated Omnibus Budget Reconciliation Act (COBRA)
and Health Insurance Portability and Accountability Act (HIPAA).
The City's administrative agreement for its self-funded group dental plan administrator and fully-
insured dental health maintenance organization (DHMO) expires on December 31, 2009. In order to
continue providing the self-funded group dental benefit and fully-insured DHMO to the City's
employees and retirees, the Administration worked with Gallagher Benefit Services (Gallagher), the
City's consultant of record, to issue a Request for Proposals (RFP) for the administration of the group
dental plan. The City will continue to provide afully-insured DHMO plan as plan carriers do not
provide employers the opportunity to self-fund this type of plan in which the providers are contracted
to the carrier and paid aper-diem for the care of plan participants assigned to them.
July 15, 2009 City Commission Meeting
Selection of a Group Dental Insurance Administrator
Page 3 of 5
On May 8, 2009, Gallagher issued Group Employee Benefits RFP No. 10-2589 on behalf of the City.
In response to this RFP, the following twelve (12) vendors responded:
• Aetna Healthcare
• Ameritas Group
• Assurant Employee Benefits
• CIGNA Dental
• Delta Dental
• Florida Combined Life
• Humana CompBenefits
• Metropolitan Life Insurance (MetLife)
• Securian
• Guardian Life
• United Healthcare
• The Standard
The following five (5) vendors were disqualified:
• Ameritas Group -response did not include a quote for a DHMO plan
• Assurant Employee Benefits - response only included a quote for a DHMO plan
• Guardian Life -completed response was received past the submission deadline
• Securian -did not include coverage for a number of the procedure codes covered under the
City's current dental plan
• The Standard -indicated their desire to respond, however no proposal was ever received
The following seven (7) vendors were qualified:
• Aetna Healthcare
• CIGNA Dental
• Delta Dental
• Florida Combined Life
• Humana CompBenefits, the incumbent group dental plan carrier
• MetLife
• United Healthcare
Each of the qualified respondents provided their "best and final' monthly administrative fee for the City
Preferred Provider Organization (PPO) dental plan. This PPO plan provides employees, retirees and
enrolled family members the opportunity to receive dental care from a list of licensed in-network
providers who supply their services at a contractual discount to the plan, or the enrolled participant
may choose to receive services from any licensed dental provider not contracted with the plan nor
providing a discount for their services. The following fee is the proposed charge by each vendor per
enrolled employee and retiree as well as the rate guarantee term:
PPO
Plan Administrator Monthly Fee
Per Em to ee/Retiree Rate Guarantee
Aetna Healthcare $3.13 Three 3 ears
CIGNA Dental $3.18 One 1 ear
Delta Dental $3.16 Three 3 ears
Florida Combined Life $3.50 Two 2 ears
Humana Com Benefits $3.50 Three 3 ears
MetLife $3.50 Three 3 ears
United Healthcare $3.79 Three 3 ears
July 15, 2009 City Commission Meeting
Selection of a Group Dental insurance Administrator
Page 4 of 5
Each plan was able to administer the City's current dental plan providing continued coverage at
current benefits levels for the PPO plan. However, the PPO proposal from MetLife provided an
expanded network PPO network and included an increase of providers in the South Florida area,
including a number of additional providers throughout the City of Miami Beach. However, the
administrative fee requested by MetLife, although not the lowest, is the same as the City's current
plan, and therefore, does not increase the City's costs for this coverage from the current yearly rate.
All of the qualified respondents also submitted fully-insured Dental Health Maintenance Organization
(DHMO) plans. A DHMO plan works similar to a Medical HMO plan. Participants in the plan choose
a Primary Care Dentist who manages all their dental care needs, making referrals to dental specialists
when necessary. These Primary Care Dentists are contracted to the carrier and paid aper-diem for
the care of plan participants assigned to them. Participants in the DHMO plan are provided routine
annual dental care such as cleanings and x-rays, at no cost and pay a copay for services such as
fillings, root canals, caps and crowns, etc. Copays under the plan can range from a few dollars to
50% of the cost of the service. Participants in this plan do not receive reimbursement for care
received from dentists who are not part of the plan.
In their response to the RFP, Gallagher received fully-insured premium rates for the DHMO Plan from
as low as 16% lower to as high as 54.6% higher than the City's current carrier. The following fee is
the proposed monthly premium from each vendor per enrolled employee and retiree as well as the
rate guarantee term:
DHMO Level of Monthly Premium percentage of Rate
Plan Administrator Coverage per Employee/Retiree Overall Premium Guarantee
Chan e
Employee $11.78
Aetna Healthcare
Employee + 1
$22.99
+31.6% One (1)
Famil
$37.73 year
Employee $16.02
CIGNA Dental
Employee + 1
$29.89
+54.6% Two (2)
Famil
$38.89 years
Employee $12.44
Delta Dental
Employee + 1
$23.20
+20.1 % Two (2)
Famil
$30.20 years
Florida Combined Employee $13.14 Two (2)
Life Employee + 1 $22.60 +27.4%
Famil
$33.50 y
ears
Humana Employee $12.96
Th
3)
CompBenefits Employee + 1 $24.18 +25.1 % ears
y
Famil $31.46
Employee $10.35
MetLife
Employee + 1
$18.12
-16% Two (2)
Famil
$28.48 years
Employee $12.15
United Healthcare
Employee + 1
$21.22
+19.1 % Two (2)
Famil
$31.51 years
The lowest DHMO rate received was from MetLife whose bid provided an overall premium rate
reduction of 16% from the current carrier. In addition to a lower premium rate, the MetLife plan also
provides an increase in the benefits, including coverage for composite fillings, a benefit that has been
requested by participants in the DHMO plan for several years. The MetLife DHMO network includes
an increase of providers in the South Florida area, including a number of additional providers through
out the City of Miami Beach.
July 15, 2009 City Commission Meeting
Selection of a Group Dental insurance Administrator
Page 5 of 5
In making their recommendation for both the PPO and Dental Health Maintenance Organization
plans to the City (Attachment A), Gallagher reviewed each proposal for claims administration and
network access. The RFP requested both a duplication of the existing plan benefits and alternative
benefit schedules designed to reduce plan costs. After thorough review, Gallagher has
recommended the City move the administration of the PPO dental plan and fully-insured DHMO plan
to MetLife based on the following supporting factors:
MetLife provided the lowest DHMO cost, with an overall premium reduction of 16% from the
current rates and a PPO administration fee that is cost neutral to the City, while providing an
improved benefit program
MetLife has a larger provider network for both the DHMO and PPO plans including more
general dentists, Periodontists, Endodonitists, and Orthodontists
MetLife provided a two (2) year rate guarantee for the DHMO and a three (3) year rate
guarantee for the PPO administration fees
The City's Group Insurance Board was convened to review and to the make a recommendation to the
City Manager on the selection of the City's group dental administrator for the fully-insured DHMO and
self-insured PPO dental plans. The Group Insurance Board included:
• Jose Cruz, Budget Officer, Office of Budget and Performance Improvement
• Georgie Echert, Assistant Director, Finance Department
• John Gresham, Union Representative, Government Supervisors Association (GSA)
• Cliff Leonard, Risk Manager, Human Resources Department
• Richard McKinnon, President, Communication Workers of America (CWA)
• Sue Radig, HR Administrator I Employee Benefits, Human Resources Department
• Perman Terry, President, American Federation of State, County, and Municipal Employees
(AFSCME)
The Group Insurance Board met on July 7, 2009 and reviewed the "best and final" proposals. The
final recommendation of the Group Insurance Board was to award the administration of the City's
fully-insured DHMO and self-insured PPO dental plans to MetLife based on the improvements in the
benefits and the overall cost savings provided in the DHMO plan and the neutral costs of the PPO
plan.
FINANCIAL IMPACT
The proposed DHMOfutly-insured premium submitted by MetLife is 16% lower than the fully-insured
premium of the City's current DHMO plan. Based on the DHMO current enrollment of employees and
retirees, the City's approximate annual premium cost for the current DHMO plan is $134,000. Under
the proposed MetLife DHMO plan, the City's annual premium would be approximately $113,000
resulting in an estimated savings in annual premium cost to the City of approximately $21,000. The
monthly administration fee of $3.50 per employee for the MetLife PPO plan is equal to the current
monthly administration fee the City pays resulting in neither a cost savings nor a cost increase.
Overall, the savings to the City from the current year for the administration of the City's dental plans is
expected to be approximately $21,000.
CONCLUSION
Based on the recommendation of Gallagher Benefits Services and the Group Insurance Board, as
well as improvements in the benefits provided and a reduction in the overall cost of the benefits to the
City, the Administration recommends awarding the administration of the City's self-insured group
dental plan and the fully-insured DHMO plan to MetLife.
Attachment A
Gallagher Benefits Services
Letter of Recommendation
""~~ Gallagher Benefit Services, Inc. -- --
June 30, 2009 A Subsidiary of Arthur J. Gallagher & Co.
Ramiro Inguanzo, Human Resources Director
City of Miami Beach
1700 Convention Center Drive
Miami Beach, Florida 33139
Re: Employee Benefits Recommendations
Dear Mr. Inguanzo,
At the City of Miami Beach's request, we released Request for Proposals (RFP's) for all
City employee benefits including Medical, Dental, Life, Accidental Death and
Dismemberment, Voluntary and Dependent Life, Statutory Accidental Death and
Dismemberment, Employee Assistance Program, Vision, Short and Long Term
Disability. A vendor list has been provided illustrating what carriers were supplied the
RFP's and those that responded by product (See exhibit A). Recommendations will be
discussed briefly below.
Medical proposals were requested for claims administration and network access. We
requested both duplication of existing benefits and alternate benefit schedules. Responses
were received from the incumbent carrier Humana, AvMed, Cigna Healthcare, Aetna
United and Blue Cross & Blue Shield of Florida. We recommend renewal with Humana
based on the following:
1) Humana offered the lowest administrative fee's to the City including a reduction
of current costs
2) Retaining Humana will cause no disruption to member provider relations
3) Physician and hospital reimbursement analysis revealed Humana's strong South
Florida discounts
Life and Accidental Death and Dismemberment Request for Proposal resulted in thirteen
responses including the incumbent carrier, Standard. Short listing and continued
negotiations results in the recommendation of Hartford Life for the Basic Life and
AD&D, Dependent Life, Retiree Life and Voluntary Life. Reasons are as follows:
1) Lowest Basic Life, AD&D and Retiree cost to City and employees
2) Thirty six month rate guarantee
Statutory Accidental Death and Dismemberment Benefit Request for Proposal resulted in
two responses, the incumbent Hartford Life and Ace USA. We recommend renewal with
Hartford.
1) Hartford offered lowest cost including a 25% reduction in current annual
premium
2) No change to current benefits
3) Three year rate guarantee
One Boca Place
2255 Glades Road, Suite 400 E
Boca Raton, FL 33431
561.995.6706
Fax 561.995.6708
www.ajg.com
"®`
Currently Dental coverage (Indemnity/PPO and DMO) are purchased by the City on a
fully insured basis for the DMO and self insured for the Indemnity and PPO. In addition
to the incumbent response from Comp Benefits, eight addition proposals were received.
We recommend awarding MetLife the fully insured DMO plan and self funding the
Indemnity/PPO dental coverage. Factors supporting this recommendation are as follows:
DMO
1) MetLife offered lowest DMO cost (16% reduction annually) while
improving benefits to members
2) Large network of general dentists, Periodontists, Endodontic and
Orthodontists.
3) Two year rate guarantee.
Indemnity/PPO
1) Lowest annual administrative fee's
2) Improved benefits to participating members
3) Thirty six month rate guarantee
The Employee Assistance Program is currently provided by Ceridian. Six additional
proposals were received and reviewed for cost, benefits provided and Medical Plan
integration opportunities resulting from the recent Federal Benefits Law changes
impacting Mental Health Parity. Humana is the recommended vendor for the following
reasons:
1) Improved benefits via increased face to face visits
2) Low cost relative to benefits provided
3) Medical plan savings opportunity as a result of common vendor coordination
The Vision benefits Request for Proposal resulted in eight responses. Similar to the
Dental benefits, both fully insured and self insured proposals were received. We are again
recommending this benefit be self funded based on the low claims risk and trend
predictability. EyeMed is the recommended vendor based upon:
1) Lowest administrative services fee
2) Comprehensive exam and hardware benefits
3) Large tri-county provider network
Short and Long Term Disability Benefits RFP's responses were evaluated by vendors
offering both coverage's. For continuity of coverage and a seamless transition from short
term to long term disability, the objective is to provide continuity of coverage and a
seamless transition from short to long term disability with no disruption due to
differences in disability definition, medical evaluation and benefits offered. Unum is the
recommended carrier.
1) Minimal participation requirement and no termination feature
2) Low overall cost
3) Family Medical Leave Act administration for all employees
4) Twenty four month rate guarantee for Long Term Disability and FMLA
Administration
f ~®~$
~~F-
We appreciate the opportunity to work with the City and staff and would be happy to
answer any questions you may have.
Sincerely,
Richard G. Schell
Area Vice Preside