2010-27542 Reso RESOLUTION NO.1 2010 -27542
A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF
MIAMI BEACH, FLORIDA, ACCEPTING THE RECOMMENDATION OF THE
CITY MANAGER PURSUANT TO REQUEST FOR PROPOSALS (RFP) NO.
49- 09/10, FOR BENEFIT CONSULTANT SERVICES TO PROVIDE
ASSISTANCE IN DETERMINING THE CITY'S EMPLOYEE BENEFITS
PROGRAM; AND AUTHORIZING THE ADMINISTRATION TO ENTER INTO
NEGOTIATIONS WITH THE TOP - RANKED FIRM, GALLAGHER BENEFIT
SERVICES, INC.; AND SHOULD THE ADMINISTRATION NOT BE ABLE TO
SUCCESSFULLY NEGOTIATE AN AGREEMEN WITH THE TOP - RANKED
FIRM, AUTHORIZING THE ADMINISTRATION TO NEGOTIATE WITH THE
SECOND- RANKED FIRM, BOLTON PARTNERS, INC.; AND FURTHER
AUTHORIZING THE MAYOR AND CLERK TO EXECUTE AN AGREEMENT
UPON CONCLUSION OF SUCCESSFUL NEGOTI \TIONS.
WHEREAS, the City has a need to establish an agreement with a benefit
consulting services firm to assist the City in determining its Employee Benefits Program,
including its self - funded medical and dental plans; and
WHEREAS, the City currently has an agreement with Gallagher Benefit Services,
Inc. ( "Gallagher") which has been in effect for five (5) years, and expired on September 30,
2010; and
WHEREAS, the Mayor and City Commission at its July 14, 2010 meeting,
authorized the Administration to issue an RFP for a Benefit Consultant Services; and
WHEREAS, on July 15, 2010, RFP No. 49 -09/10 was issued, and notices sent to
over 207 firms, which resulted in the receipt of six (6) proposals from: Bolton Partners,
Inc., CBC Kane Partners, Inc., Deloitte Consulting, LLP, Gabriel, Roeder, Smith & Co.,
Gallagher Benefit Services, Inc., Milliman, Inc.; and
WHEREAS, on September 15, 2010, the Commission authorized a month to
month extension of Gallagher's agreement not to exceed six (6) months beginning
October 1, 2010 and ending March 31, 2011; and
WHEREAS, on October 11, 2010, the City Manag 9r via Letter to Commission No.
273 -2010 appointed an Evaluation Committee (the "Committee "), consisting of the
following individuals:
Allison Williams, Chief Accountant, Finance Department;
Ana Tous, Leadership Academy Graduate, MD;
Carla Gomez, Labor Relations, Human Resources Department;
David Alschuler, Personnel Board Member, Attorney;
Jack Benveniste, Budget Advisory Committee Member;
Maritza Menendez, Center Director, Miami Beach Career Center; and
WHEREAS, on October22, 2010, the Committee convened and was provided with
an overview of the project, information relative to the City's one of Silence Ordinance, the
Government in the Sunshine Law, listened to presentation . and participated in a question
and answer session with each of the proposers, and discussed and evaluated the
proposals based on the evaluation criteria as outlined in th: RFP; and
WHEREAS, the Committee unanimously ranked c allagher Benefit Services, Inc.
as the top- ranked firm, and Bolton Partners, Inc., as the se • ond- ranked firm; and
WHEREAS, the City Manager has reviewed an 0 concurs with the Evaluation
Committee's recommendation.
NOW, THEREFORE, BE IT DULY RESOLVED B THE. MAYOR AND THE CITY
COMMISSION OF THE CITY OF MIAMI BEACH, - LORIDA, hereby accept the
recommendation of the City Manager pertaining to the r-nking of proposals pursuant to
Request for Proposals (RFP) No. 49- 09/10, for Benefit onsultant Services to provide
assistance in determining the City's Employee Benefit. Program; and authorize the
Administration to enter into negotiations with the top anked firm, Gallagher Benefit
Services, Inc.; and should the Administration not be ab e to successfully negotiate an
agreement with the top - ranked firm, authorize the Admi istration to negotiate with the
second- ranked firm, Bolton Partners, Inc.; and further aut orize the Mayor and City Clerk
to execute an agreement upon conclusion of successful net otiations.
PASSED and ADOPTED this 17 day of Mite n i er , 2010.
ATTEST:
P4 cL� i
CITY CLERK MAY. R
T:\AGENDA\2010 \November 17\Consent \RFP 49 -09 -10 For Benefit Co sultant Services RESO.doc
APPROVED AS TO
FORM & LANGUAGE
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COMMISSION ITEM SUMMARY
Condensed Title:
A Resolution Accepting The Recommendation Of The City Manager Pursuant To Request For Proposals
(RFP) No. 49- 09 -10, And Authorizing The Administration To Enter Into Negotiations With The Top- Ranked
Firm, Gallagher Benefit Services, Inc; Should The Administration Not Be Able To Successfully Negotiate
An Agreement With The Top- Ranked Firm, Authorizing The Administration To Negotiate With The
Second- Ranked Firm, Bolton Partners, Inc; And Further Authorizing The Mayor And City Clerk To Execute
An Agreement Upon Conclusion Of Successful Negotiations.
Key Intended Outcome Supported:
Control costs of payroll including salary and fringe/ minimize taxes /ensure expenditure trends are
sustainable over the long term.
Supporting Data (Surveys, Environmental Scan, etc.): Survey indicates that 75% of residents and 68%
of businesses rated Miami Beach city government as excellent or good in meeting their needs and
expectations.
Issue:
1 Shall the City Commission adopt the resolution?
Item Summary /Recommendation:
On July 14, 2010, the Mayor and City Commission approved the issuance of Request for Proposals (RFP)
No. 49- 09 -10, for Benefit Consultant Services to provide assistance in determining the City's Employee
Benefits Program (the "RFP ").
The City currently has an Agreement with Gallagher Benefit Services, Inc. ( "Gallagher"). The Agreement
has been in effect for five (5) years, expiring on September 30, 2010. On September 15, 2010, the
Commission authorized a month to month extension not to exceed six (6) months beginning October 1,
2010 and ending March 31, 2011.
On July 15, 2010, the RFP was issued with an opening date of August 13, 2010. A pre - proposal meeting
to provide information to prospective proposers was held on July 29, 2010. BidNet sent notices to 153
prospective proposers; BidSync sent notices to prospective proposers of which 54 viewed the
documentation; which resulted in the receipt of six (6) proposals.
The City Manager, via Letter to Commission (LTC) No. 273 -2010, appointed an Evaluation Committee (the
"Committee "), which convened on October 22, 2010, for interviews, deliberation, and recommendation.
Based on the scores and rankings of the Committee members, Gallagher was selected as the top- ranked
firm, and Bolton Partners, as the second - ranked firm. A motion was presented by Jack Benveniste,
seconded by Carla Gomez, and was unanimously approved by the Committee.
ADOPT THE RESOLUTION.
Advisory Board Recommendation:
N/A
Financial Information:
Source of Amount Account Approved
Funds:
OBPI Total
Financial Impact Summary: N/A
City Clerk's Office Legislative Tracking:
1 Gus Lopez, Ext: 6641
Sign -Offs:
De entDir-.% o`9 __ 'anf City !liana • er Ci an. eir
GL RI _�/ - - JMG _/C IIlI �Tj' ' •
T:\AGENDA\2010 \November 17\Consent \RFP 49 -09 -10 For Benefit Consultant Services - SUMM.doc
BEACH AGENDA ITEM C C.
DATE //- /? l0
i MIAMr AC1 1
City of Miami Beach, 1700 Convention Center Drive, Miami Beach, Florida 33139, www.miamibeachfl.gov
COMMISSION MEMORANDUM
TO: : or Matti Herrera Bower a • • Members of the City Commission
FROM: J ge . Gonza ez, City Manater
DATE: November 17, 2010
SUBJECT: A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI
BEACH, FLORIDA, ACCEPTING THE RECOMMENDATION OF THE CITY MANAGER,
PURSUANT TO REQUEST FOR PROPOSALS (RFP) NO. 49- 09/10, FOR BENEFIT
CONSULTANT SERVICES TO PROVIDE ASSISTANCE IN DETERMINING THE CITY'S
EMPLOYEE BENEFITS PROGRAM; AND AUTHORIZING THE ADMINISTRATION TO
ENTER INTO NEGOTIATIONS WITH THE TOP - RANKED FIRM, GALLAGHER
BENEFIT SERVICES, INC.; AND SHOULD THE ADMINISTRATION NOT BE ABLE TO
SUCCESSFULLY NEGOTIATE AN AGREEMENT WITH THE TOP - RANKED FIRM,
AUTHORIZING THE ADMINISTRATION TO NEGOTIATE WITH THE SECOND-
RANKED FIRM, BOLTON PARTNERS, INC.; AND FURTHER AUTHORIZING THE
MAYOR AND CITY CLERK TO EXECUTE AN AGREEMENT UPON CONCLUSION OF
SUCCESSFUL NEGOTIATIONS.
ADMINISTRATION RECOMMENDATION
Adopt the Resolution.
KEY INTENDED OUTCOMES SUPPORTED
Control costs of payroll including salary and fringe, minimize taxes, and ensure expenditure trends
are sustainable over the long term.
FUNDING
Funding for the City's Benefit Consultant is provided through commission payments built into the fees
paid by the City to the medical plan carrier.
ANALYSIS
On July 14, 2010, the Mayor and City Commission approved the issuance of Request for Proposals
(RFP) No. 49- 09 -10, For Benefit Consultant Services to provide Assistance in Determining the City's
Employee Benefits Program, (the "RFP ").
The City of Miami Beach ( "the City ") needs to establish an agreement with a Benefit Consulting
Services Firm to assist the City in determining its Employee B anefits Program, including its self -
funded medical and dental plans.
Commission Memo
REQUEST FOR PROPOSALS (RFP) NO. 49- 09/10, FOR BENEFIT C • NSULTANT SERVICES TO PROVIDE
ASSISTANCE IN DETERMINING THE CITY'S EMPLOYEE BENEFITS PR•GRAM
November 17, 2010
Page2
The City currently has an agreement with Gallagher Benefi Services, Inc. ( "Gallagher"). The
Agreement has been in effect for five (5) years, and expired on ` eptember 30, 2010. On September
15, 2010, the Commission authorized a month to month exte sion not to exceed six (6) months
beginning October 1, 2010, and ending March 31, 2011.
The City's current benefit consultant provides assistance to the I ity Administration in determining the
City's benefits programs which includes, but is not limited to, th - following:
1. Actuarial support and analysis of the City's s =If- funded medical and dental plans;
2. Assist with negotiations upon direction of the Administration with benefit carriers
to obtain the best prices, terms and conditio s available;
3. Annual reporting summarizing the benefit programs in place, anticipated market
conditions, plan recommendations and str.= tegies; provide assistance in the
interpretation of benefit related regulations al d compliance;
4. Provide support and guidance in the imple entation and impact of the Federal
Patient Protection and Affordable Care Act; provide /conduct actuarial analysis
and reporting as required for the City's GAS : 45 filings; and
5. Make recommendations to the City to guara tee continued, affordable coverage
for the employees and retirees.
RFP PROCESS
On July 15, 2010, the RFP was issued with an opening date o August 13, 2010. A pre - proposal
meeting to provide information to prospective proposers was eld on July 29, 2010. BidNet sent
notices to 153 prospective proposers; BidSync sent notices to prospective proposers of which 54
viewed the RFP.
The following six (6) proposals were received by the RFP dead ine for receipt of proposals:
• Bolton Partners, Inc.
• CBC Kane Partners, Inc.
• Deloitte Consulting, LLP
• Gabriel, Roeder, Smith & Co.
• Gallagher Benefit Services, Inc.
• Milliman, Inc.
The City Manager, via Letter to Commission (LTC) No. 27 -2010, appointed an Evaluation
Committee ( "The Committee ") consisting of the following indivi • uals:
• Allison Williams, Chief Accountant, Finance Departmen ;
• Ana Tous, Leadership Academy Graduate;
• Carla Gomez, Labor Relations Specialist, Human Reso rces Department;
• David Alschuler, Personnel Board Member;
• Jack Benveniste, Budget Advisory Committee Member; . nd
• Maritza Menendez, Center Director, Miami Beach Care =r Center.
,
Commission Memo
REQUEST FOR PROPOSALS (RFP) NO. 49- 09/10, FOR BENEFIT CONSULTANT SERVICES TO PROVIDE
ASSISTANCE IN DETERMINING THE CITY'S EMPLOYEE BENEFITS PROGRAM
November 17, 2010
Page3of4
EVALUATION PROCESS
On October 22, 2010, the Committee convened and was provi li ed with an overview of the project,
information relative to the City's Cone of Silence Ordinance, the Government in the Sunshine Law,
listened to presentations and participated in a question and answer session with each of the
proposers, and discussed and evaluated the proposals based o 1 the evaluation criteria as outlined in
the RFP.
The Committee unanimously agreed to nominate Jack Benven ste as Committee Chair.
A motion was made by Committee Chair, Jack Benveniste, .econded by Allison Williams and
unanimously agreed by the Committee, to have all proposers pr: sent each point set in the evaluation
criteria for this RFP.
Presentations were held by all responsive proposers, with the e I ception of CBC Kane Partners, who
opted not to participate in the presentations. The Committee scored and ranked each proposer
according to the evaluation criteria set forth in the RFP as folio s:
r: .. � T ,v. At- ar; r z .. x , .., . » , „ ` , a u ° � '. , < ��r x . m , i, : m
Y R ..:: 14, ..,a ,', C ' IN- ,° ;,;Fix . A ' .: S con n Wei h t
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A Specific Expertise regarding the Scope of the Project a d expertise with 30
similar sized entities (i.e. hospitals, universities, etc.)
B Overall Expertise of the Benefit .Consultant relating to mployee 35
Benefits
C Proposed Fee /Compensation 15
D References 20
The Committee scored and ranked the proposers as follows:
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RFP 49 1 n . � ; ; .: . � r w .. � �� �; . :� � � � A
.:. „y.,. � -09- .0 ., Y : :1Gomez w: Williams Williams 1�1 . Alschul.,, u ,,. l t; Be Tous � k ,
Gallagher 95(1) 94(2) 90(1) 97(3) 95(1) 84(5) 13
Bolton Partners 79(4) 95(1) 83(2) 98(2) 70(3) 88(4) 16
GRS 64(5) 89(4) 82(3) 98(1) 90(2) 91(2) 17
Milliman 82(2) 93(3) 80(5) 93(4) 65(4) 95(1) 19
Deloitte 81(3) 86(5) 81(4) 81(5) 50(5) 90(3) 25
CBC Kane Partners 61(6) 82(6) 65(6) 73(6) 45(6) 75(6) 36
A motion was made by Committee Chair, Jack Benveniste, seconded by Carla Gomez, and
unanimously approved by the Committee to recommend to,,the •ity Manager that the Administration
enter into negotiations with the top- ranked firm, Gallagher Bene t Services, Inc. and in the event the
negotiations are unsuccessful, to negotiate with the second - ranked firm, Bolton Partners, Inc.
Gallagher Benefit Services, Inc. .
Gallagher is the employee benefits consulting division of Arthur . Gallagher & Co., founded in 1927,
a publicly traded company that is the fifth largest broker of US bu . iness. The proposed team for the
City is comprised of experts from the Boca Raton office, includi g an onsite Actuary and an onsite
Benefits Attorney. This team is the same group of professional. that the City currently relies on to
Commission Memo
REQUEST FOR PROPOSALS (RFP) NO. 49- 09/10, FOR BENEFIT CONSULTANT SERVICES TO PROVIDE
ASSISTANCE IN DETERMINING THE CITY'S EMPLOYEE BENEFITS PROGRAM
November 17, 2010
Page4of4
provide Actuarial certifications helping the City navigate the complexities of recent Federal and State
legislative and regulatory mandates. Gallagher offers extensive experience in benefit strategies, plan
design, financial analysis, employee communications, administration and compliance.
As the City's consultant since 2001, Gallagher has helped the City achieve multi- million dollar
savings in its previously fully insured medical plan and current se f- funded medical program, and has
also prepared approximately 30 Request for Proposals for the City. Gallagher has capabilities that
the City can take advantage of to achieve additional future savings, and is also positioned to help the
City navigate the complexities of recent Federal and State legislative and regulatory mandates.
Please see attached Exhibit A.
Gallagher receives its compensation in the form of commission payments built into the fees paid by
the City to the medical plan carrier. Gallagher's proposal continues to provide the City with its
consulting services at the same fee schedule it currently receives (and which it has been receiving
since 2005) at no increase to the City. Those fees are as follows: 1.5% of total premium cost, not to
exceed $200,000 per year if Gallagher performs the GASB 45 analysis. The fee decreases to 1.5%
of total premium, not to exceed $190,000 per year, without the GASB 45. (See Exhibit "B "). The
Annual Compensation Disclosure Schedule provided by Gallagher shows that it received commission
payments of $200,000 from Humana in 2009 and commission payments of $200,000 from Humana
in 2010, in connection for services provided to the City.
The City will negotiate the fee proposal of the successful proposer(s).
TERM OF CONTRACT
The awarded contract will be for a term of two (2) years with three (3) one (1) year renewal options at
the City's discretion.
CONCLUSION
The Administration recommends that the Mayor and City Commission adopt the attached Resolution
which accepts the recommendation of the City Manager pursuant to Request for Proposals (RFP)
No. 49- 09/10, for Benefit Consultant Services to provide assistance in determining the City's
Employee Benefits Program; and authorizes the Administration to enter into negotiations with the top
ranked firm, Gallagher Benefit Services, Inc.; and should the Administration not be able to
successfully negotiate an agreement with the top - ranked firm, authorizes the Administration to
negotiate with the second - ranked firm, Bolton Partners, Inc.; and further authorizes the Mayor and
City Clerk to execute an agreement upon conclusion of successful negotiations. .
T:\AGENDA\2010 \November 17\Consent \RFP 49 -09 -10 For Benefit Consultant Services - MEMO.doc
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Available Services
Benefits Consulting Healthcare Analytics Retirement Services
Annual Service Plan Actuarial Consulting GBS's extensive retirement consulting
GBS will review the performance of your • Quarterly Actuarial reporting services include:
Plan Design
benefits plan; revise it to incorporate • Plan Modeling for cost implications — Legislative and regulatory monitoring; industry
strategic objectives for the upcoming year; including determining the impact of peer group analysis and benchmarking; plan
and support your information and converting to Consumer Driven Health
design analysis; strategic planning; budget
compliance needs throughout the year. plans projections; material preparation; and plan
Benefit Management Plan • Forecasting and premium calculation , termination
GBS will review contracts and documents, • Reserve setting — designed to ensure the Plan integration and Transition
including policy manuals, insurance continued viability of your benefits Data and floor review; transition timelines;
contracts, summary plan descriptions, and programs fund mapping protocols; blackout preparation
employee communications; identify any • Benchmarking — including general and implementation; and post- merger integration
potential exposures; assure accuracy; and market specific evaluations Plan Enhancement
manage vendors. • Audit Services — including TPA audits, Plan design and investment review;
Benchmarking large claim audits, and dependent audits development of plan goals and objectives; RFP
GBS provides comparative data that Medical Management Services design and distribution; drafting of a market
assesses your competitiveness in your Designed to assist the plan and its study; finalist selection, plan benchmarking,
industry and geographical market to help employees in managing and navigating the presentation, scoring, and evaluation; and
you construct workable employee and healthcare field. implementation meetings
employer contribution strategies. Healthcare Informatics Fiduciary Assistance
G egulatory Compliance Support Designed to allow GBS's clients to obtain Forensic plan audits; fiduciary, document, and
BS monitors legislation to help reduce actionable data for Ion term healthcare administrative process review; plan expense
p g monitoring, conflict -of- interest analysis;
your potential liability and provide: management strategy
revenue- sharing analysis; and DOL self-
• Technical consulting on legislation that Gallagher Rx correction analysis
could affect your programs RFP analysis, PBM selection assistance, I Compliance Assistance
• Confirmation that your plan complies claims denials, Rx plan design, drug spend Plan operation compliance review; non -
with state and federal regulations review and analysis and medical and discrimination testing analysis; plan document
• Timely, easy -to- understand technical pharmacy educational and communication and SPD review; M &A due diligence; IRC and
bulletins and compliance alerts programs are a few of the services that are ERISA compliance monitoring; plan
• ERISA compliance and disclosure offered by qualified Pharmacists. discrimination letter filing; 404(c) audit; and
support IRS self - correction assistance
• Seminars on FMLA, Cobra compliance, Investment Monitoring
HIPAA, and more Human Resource Services Investment policy statement development and
Day Support Business Strategy Deployment monitoring; quarterly investment reviews; s le
Y - Y PP S; q Y sty
We resolve carrier claim adjudication, Including communicating your business drift analysis; performance benchmarking
strategy to employees, defining how
administrative and billing issues; provide individuals and departments fit into the analysis; and fund expense analysis
first -line resources for your employee strategy, and keeping employees and Participation Education
benefits department; and clarify plan Communication and education strategies; asset
provisions. managers focused on success. allocation assistance; on -site enrollments and
Insight HR Strategic Plan Design investment education services; retirement
GBS's portal framework provides secure, Including helping to develop and align your distribution counseling; pre - retirement
personalized access to the most current HR strategic plan with your organization's planning seminars, and participation
information plan administrators need business plan, identifying the right transaction assistance
including: employees with the right skills to Defined Benefit Plan Services
• Reference library implement the plan, and assisting to fill Plan design analysis; investment performance
gaps in talent, and developing a roadmap monitoring; cost - containment review; service
• Insurance industry financial reports for other critical HR processes provider searchers; participant services; and
• Client - specific documents analysis of technology alternatives
• Latest on legislative and regulatory issues Workforce Planning Individual Investment and Wealth
411 • Security for Protected Health Information Including Workforce decision support, Planning
through a Secure Sockets Layer (SSL) benchmarking surveys; HR metrics, Asset allocation; investment planning;
enabled Web browser. turnover studies, absenteeism analysis, portfolio creation; alternative investments;
union negotiations, and M &A due rollover IRAs; annuities; and mutual funds
diligence
EXHIBIT A
SECTION II - SCOPE OF SERVICES
•
Proposers responding to the RFP must agree not to approach any markets until authorized by
the City City requires Miami Beach to do so. The Cit uires that the selected Benefit Consultant
q
provide, at a minimum, the following services:
1. Provide assistance to the City Administration in determining the City's Group
Employee Benefit Program; and provide actuarial sup • ort and analysis of the City's
self- funded medical and dental plans and make recom endations to the City to
guarantee continued, affordable medical and dental pl: n options for its employees
and retirees.
Read, Understood and Agreed.
As we do currently, Gallagher Benefit Services will provid - assistance to the City based on
your needs. In doing so, we provide unlimited actuarial su •port, including reporting that is
performed or evaluated by our in -house Actuary. This will -nsure that you receive ex pet
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interpretations of your plan data. We provide plan costs b line of coverage and compa4e
your actual costs versus the projected costs we have deve oped for you.
We will provide a recommended reporting frequency for yo (currently Quarterly) and wi I
prepare and review the reporting package with City staff to discuss key findings and identify
• potential opportunities. The reports that will be available to the City based on your need
may include:
• Executive Summary
• Plan costs by line of coverage (medical, dental, etc.
• Costs versus Budget
• Cost comparison to prior claim periods
• Plan cost trends
• Large claims tracking
• Renewal projections and alternatives
• Incurred but not reported projections
• Future plan cost projections (5 year projections)
• Employer versus employee contributions
• Benefit modeling (cost impacts of benefit changes)
• Top diagnostic categories
Generally, when Gallagher and the City meet to review reporting, you will be face to facie
with our in- house, full -time actuary who prepared and /. r approved the reports. Th's
is a value added service that separates Gallagher from • ur competitors.
One of Gallagher's greatest strengths is our ability to develop custom analyses based on a
specific client's needs using a variety of tools and models. • ur HRM medical pricing
410 software is a pricing system we developed based on data from over 2 million members.
HRM allows us to model the impact of plan design chang:s quickly and accurately. In i
for some of our clients we do the modeling in an interactiv- setting, which allows us to more
quickly review and either accept or reject plan design sce arios based on client feedba (Fk.
We combine the results from the HRM model with our for :casting and contribution tool to
get a complete picture of how changes will affect the City .: nd its employees.
We also have a unique model for projecting the impact of oving to a consumer directed
health program (CDHP), either as a total replacement or a an option along with other lans.
The real value in the CDHP approach is the potential for r: duced utilization of unneces
services, or the utilization of more cost effective services, .:s a result of better member
education. Our model groups historical claims into catego ies based on how much con! of
very the member is likely to have over them. For example, me bers will have ve little conirol
over inpatient hospital admissions, so our model gives littl: or no potential utilization
improvement for inpatient services.
As a governmental entity, the City is subject to a variety o state reporting requirement and
financial reporting standards relating to your benefit p an. We have the experti e to
understand how changes to your plan will affect all repo ing requirements and the i pact
that will have on your financial position. We understan. the requirements and limita ions
imposed by Florida Statute §112.08, and how that statute affects your ability to manag the
expense and liability associated with the GASB 45 acco nting standard. We under tand
how health care reform affects the requirements for q alifying for the Medicare P rt D
• subsidy. And most importantly, we understand how cha e es in the way you deal with any
one of these issues will affect each of the other issues. e will model different approaches
to managing your health care expenses with all of the different factors in mind. Our
reporting will be structured with all of this in mind.
We also understand that decisions cannot be made in a acuum. That's why any dec
to change benefits or contribution strategies will be discu . sed with our in -house emplyee
benefits attorney. The attorney will evaluate whether or n.t those changes are permissible
in light of legislation or regulation. In addition, the atto ey will determine whether uch
changes might impact other things. For example, with ealth care reform, plan design
changes and /or shifting more premium cost to employees ould negatively impact the City's
ability to claim "grandfathered" status, which would requir: the City to make other (perlaps
unintended) plan design changes in subsequent years hich could result in more costs
(again unintended) to the City.
2. Prepare reports informing the Administration regarding benefit market (Market
Analysis) conditions that may affect the City's policies and risk exposures prior to
policy renewals.
Read, Understood and Agreed.
110 3. Prepare /Assist with Request for Proposal (RFP) specifications and underwriting data
to submit to benefit markets for the purpose of obtaining proposals for Group
i
Employee to ee Benefits.
• Read, Understood and Agreed.
Gallagher will develop RFP specifications for your va ious group benefit plans,
including underwriting data. Gallagher has extensive experience in the develop ent
and analysis of competitive bidding for governmental • enefit plans and will bring that
experience and expertise to the City. We have succ-ssfully negotiated multiple ear
contracts for most of our clients and would be please to use our negotiation ski is
on your behalf. We will work closely with your Purch sing Department as
necessary. On the rare occasion when bidders have .rotested our client's
recommendation, our proven process has allowed ou clients to successfully survive
such bid protests.
4. Upon direction from the City, approach all acceptable ompanies on behalf of the
City. A complete list of the companies contacted, along with their response, must be
submitted.
Read, Understood and Agreed.
5. Present to the City all coverage proposals obtained. T is report must contain a
comprehensive analysis by the Benefit Consultant of t e proposals obtained with
P Y Y p p
recommendations for the selection of one proposal fo the particular area to be
covered.
Read, Understood and Agreed.
Gallagher will present all proposals obtained and pre.. re a complete analysis of the
bids (unless rejected by the City's Purchasing Depart ent) for your use in the
decision - making process. Our analysis will include a • • ropriate recommendation
and all supporting documentation to ensure a smooth • rocurement process.
6. Negotiate, on behalf of, and with direction from, the City with all carriers to obtain the
best prices, terms and conditions available.
Read, Understood and Agreed.
As we currently do for the City, Gallagher will negotiat , on behalf of, and with
direction from, the City to obtain the best prices, terms and conditions available. n
that capacity, Gallagher will utilize our in -house actua es to evaluate critical
renewals and pricing to ensure you the most competiti e and fair renewals possi le;
and we will use our in -house attorney to secure the m st favorable terms and
conditions available.
7. Review and /or assist writing Agreements /policies purchased by the City to assure
ID their accuracy and appropriateness.
Read, Understood and Agreed.
8. Review and evaluate existing City benefit related Agr- - ments to provide
recommendations for possible improvement of price, erms, and conditions.
Read, Understood and Agreed.
9. Provide an annual report summarizing coverages in place, anticipated market
conditions, recommendations and strategies.
Read, Understood and Agreed.
10. Assist the City with interpretation of benefit related re ulations and compliancEe
issues; respond to inquiries from City's Human Reso rces staff; and provide $ upport
and guidance to the City on implementation and impa • t of the Patient Protection and
Affordable Care Act.
Read, Understood and Agreed.
The flurry of recent legislative and regulatory activity at the Federal and State level has
made compliance support a very important service for entries with employee benefit
programs. Because of this, Gallagher has included as a tram member our local in -hou 'e
benefits attorney, to which the City will have direct access. All team members, with the elp
• of the compliance attorney, will keep you informed of chap es with which you must com •ly,
including Florida state mandates.
Most recently, Gallagher has met with various individuals ithin the City to discuss the
implications of the Patient Protection and Affordable Care ct (also known as "health ca e
reform") and discussed some of the immediate and long -te m plan design and financial
impacts and considerations. Due to the breadth of experie ce on the proposed team, o r
team members, including our in -house actuary and attorne , are comfortable providing
direction to the relevant departments within the City, includ ng Benefits, Human Resourc-s,
Finance and Legal. It will be important to monitor regulatio s going forward as those
regulations may alter or affect decisions being made by th z City. Gallagher's actuarial
division, Health Care Analytics, has developed a planning t•ol around health care refor to
allow our clients to understand the possible financial impac of this legislation to them. In
fact, we shared the results of this forward - thinking tool with various employees of the, Cit
including the City Manager.
The local compliance team available to the City is also sup•orted by a network of region.:I
and national compliance experts who keep both our intern. consultants and external di: fits
apprised of various changes in the legislative and regulato landscape. As a current
Gallagher Client, the City has enjoyed access to our GBS irections Newsletters, Techn cal
Bulletins and Webinars to keep you informed.
11. Include unlimited actuarial support with no additional flat or hourly fees, including the
completion of the actuarial analysis as required for the City's GASB 45 filings, among
others, such as Medicare reimbursement.
Read, Understood and Agreed.
• Gallagher's proposed fee includes unlimited actuarial sup o ort with no additional or hidden
fees (whether flat or hourly). The City of Miami Beach ca expect the same actuarial
support it currently receives from Gallagher's full -time act aries that it receives currently,
including the completion of actuarial analysis for the City's GASB 45 filings and Medicare
Part D subsidy reimbursement among other things.
12. The awarded contract will be for a term of two (2) years with three (3) one (1) year
renewal options at the City's discretion.
Read, Understood and Agreed.
Gallagher Benefit Services, Inc. is ready, willing and able to enter into a contract with th9
City of Miami Beach for an initial term of two (2) years with three (3) one (1) year renewal
options at the City's discretion.
•
•
SECTION III - MINIMUM REQUIREMENTS
• 1. The Benefit Consulting Firm must have a minimum of at least five years expe ence at
the time of the proposal providing the same or similar consulting services for
medical, dental, disability, life and other employee benefits for municipalities nd�lor
other governmental entities throughout the state of Florida.
Read, Understood and Agreed.
As a national company with a niche practice group that focuses on Public Entities, Gall. gher
Benefit Services has a large number of governmental agencies for whom we provide
consulting services similar to those requested by the City of Miami Beach. Similarly, ou
benefits consulting client base within the State of Florida is equally as impressive. Plea.e
find below a sample list of the Florida governmental clients for whom we provide benefi
consulting services.
Sample List of Florida Governmental Clients
✓ Calhoun County School Board ✓ City of Treasure Island
✓ Washington County School Board ✓ City of Mac eira Beach
✓ City of Sunrise ✓ Okeechobee Utility Authority
✓ Town of Palm Beach ✓ City of Mocre Haven
✓ Public Risk Management ✓ Town of Lady Lake
• ✓ City of Punta Gorda ✓ Taylor County School Board
✓ Sarasota /Bradenton Airport ✓ Liberty Coy my School Board
Authority ✓ City of Miami Beach
✓ Hendry County B.O.C.C. ✓ City of Hallandale Beach
✓ Hendry County Sheriff ✓ Monroe County School Board
✓ City of Wauchula ✓ School Board of Broward County
✓ Hardee County B.O.C.C. ✓ School District of Lee County
✓ Levy County B.O.C.C. ✓ City of Lakeland
✓ Okeechobee B.O.C.C. ✓ City of Jacksonville
✓ Holmes County B.O.C.C. ✓ Lee County School District
✓ Hamilton County B.O.C.C. ✓ City of Deerfield Beach
✓ City of Perry ✓ City of Delray Beach
✓ Taylor County B.O.C.C. ✓ Duval County Public Schools
✓ DeSoto County B.O.C.C. ✓ Orange County Public Schools
✓ City of Crystal River ✓ City of St. Petersburg
41 ✓ City of Eustis ✓ City of Tampa
✓ City of Zephyrhills ✓ School Di -trict of Escambia County
2. Have an actuary in house, who is a full time member of the firm.
Read, Understood and Agreed.
Gallagher Benefit Services, Inc. has numerous full -time actuaries employed throu h i
9' its
actuarial division - Healthcare Analytics Group. The Boca Raton office of Gallagher Be efit
Services has three full -time actuaries on staff n of h
O e o the individual s proposed as a to m
p p
member, and who currently provides services to the City cf Miami Beach, is Glen Volk,
Consulting Actuary. As you will see from Glen's enclosed resume, he is a Fellow of the
Society of Actuaries(FSA) and a Member of the American Academy of Actuaries (MAA�).
•
Qualifications of Proposer's Team
411
Designated Project Team /Team Resumes
The proposed team for the City is comprised of expe Is from our Boca Raton
office, including an onsite Actuary and an onsite Bene its Attorney. This team is
the same group of professionals that the City currentl relies on to provide
Actuarial certifications, Plan Document development, and to respond to any
questions or concerns.
The GBS Team that will work with the City specializes in public entities and
works together on numerous governmental entities in Florida. This team has the
capacity to perform the scope of services requested and in addition; the capacity
for additional services that may be needed. We regularly participate in strategic
planning, budgeting, labor and union negotiations and have had great success irj
helping our clients manage and budget their benefits programs. Our actuarial
work was a key element in a School Board of Browarc City lawsuit for breach of
contract, which ultimately settled favorably. We consistently demonstrate our
knowledge of Section 125, HIPAA and other State and /or Federal Regulations,
and are communicating with our clients regularly with our clients to help them
prepare for the short term and long term impacts of Health Care Reform.
GBS's extensive local resources have assisted the City over the years and are
eager to have the opportunity to expand our relationship and provide a full range
of consulting services to the City of Miami Beach. W are personally available to
assist in guiding the City through the overwhelming c anges to the regulatory
landscape and to ensure that the City is able to sustai or improve its benefits
programs.
In addition, GBS's Technical Services Unit provides s pport through our online
publications and Webinars to further assist your staff i keeping up with the
dynamic healthcare and benefits environment. Additi nally, our Retirement
Services, Actuarial Consulting Unit, Human Resource Consulting Division, and
Compliance Unit support our local personnel.
The following chart depicts the Boca Raton organizati nal structure. Your core
consulting team is highlighted in yellow. Brief resume of the local professionals
who will be involved in providing consulting services t the City of Miami Beach
and the resumes and appropriate credentials of Gallagher Benefit Services and
the Primary Consulting team are included in Tab 5.
•
Gallagher Benefit Services, Inc.
SO ..,,..,,..
n GBS Boca Raton — Organization Chart
}
Jeff Angello
Area President Glen Volk
Consulting Actuary
I Healthcare Analytics
l
1
1
Michele Kinni
Executive Assistant
Wenching LI
Actuary
ammisi 1 Healthcare Analyt�s
= w.f....L. i
I
1
Paul Hebert Barbara Crowe Jeff Reagan Rick Capizzi
Area Vice President Richard Sch Area Assistant
Senior Be Area Assistant
Compliance Area Vice Preside Vice Consultant Vice President
President
David Parker
1 Actuary
Healthcare Analytcs
4
1.....■ 1
• ivetts Irizarry 1 '
ccount Manage r
Janie Rushing Linda Waltman Mary Kay Lantz
Account Manage ' Account Manager Account Manager
Kelly Coble
Account Menage
1
General Technical
Support (All Staff)
Jamie Centonino Yvonne Blackford Lydia Bautista Susan Schonfeid
Reception Technical Consultant Technical Consultant Word Processing
•
Gallagher Benefit Services, Inc.
Designated Project Team:
• Richard Schell, Area Vice President, Boca Raton
Florida license /Professional Designations:
Florida license
Number of years of group employee benefit service e perience:
30
Current job responsibilities:
Account management; Health and Welfare Consultin
Specific relevant experience with public sector clients of similar size and
complexity:
City of Miami Beach, Town of Palm Beach, Public Ri -k Management, City of
Hallandale, Panhandle Area Educational Consortium
Glen Volk, Consulting Actuary, Boca Raton
Florida license /Professional Designations:
Fellow of the Society of Actuaries (FSA); Member of merican Academy of
Actuaries (MAAA)
Number of years of group employee benefit service eperience:
27
• Current job responsibilities:
Actuarial support
Specific relevant experience with public sector clients of similar size and
complexity:
Provides actuarial support to numerous public entitle • within Florida, including
City of Miami Beach, such as school districts (Browa •, Lee, Monroe); county
governments (Palm Beach, Monroe); and cities /town •/consortiums (Town of
Palm Beach, City of Delray, Public Risk Managemen .
Paul Hebert, Area Vice President, Compliance, Bo a Raton
Florida license /Professional Designations:
Juris Doctor (JD); Master of Laws in Taxation (LL. M.)
Number of years of group employee benefit service experience:
16
Current job responsibilities:
Compliance support for South Florida clients
Specific relevant experience with public sector clients of similar size and
complexity:
Currently provides compliance support for public sect r clients including various
Florida school districts (Broward, Lee, Monroe); Boar of County Commissioners
(Palm Beach, Monroe); and cities /municipalities /cons rtiums (Miami Beach, Palm
Beach, Public Risk Management).
G . Gallagher Benefit Services, Inc.
•
Ivette Irizarry, Account Coordinator, Boca Raton
Florida license /Professional Designations:
Florida license
Number of years of group employee benefit service experience:
Current job responsibilities:
Account management for various public sector clients
Specific relevant experience with public sector clients of similar size and
complexity:
Currently provides account management services to Clients such as the
Panhandle Area Educational Consortium, Taylor County School Board and
Public Risk Management.
Additional Consulting Resources Available As Needed:
Jeff Angello, Area President, Boca Raton
• Jeff is responsible for all South Florida benefits operations and has management
responsibility for both the Boca Raton and Miami offi .
In addition, Jeff acts as a national resource for Self- Insured employer and
provider reinsurance. GBS clients are both public nd private, and range from
several hundred employees to an excess of 25,00. Over the years, Jeff has
been extensively involved in GBS's government con ulting operations and prior
to joining GBS in 1986; he spent five years with a Third Party Administrator. Jeff
brings over 24 years of consulting experience. S me of Jeff's public sector
clients include Palm Beach County and School Board of Broward County.
Theresa Noone RN
Since 2004 Theresa Noone has served as the Health Management Consultant
for HealthCare Analytics (HCA), a division of Gallagher Benefit Services, Inc.
Ms. Noone manages the daily clinical operations of Healthcare Analytics Medical
Management Service Division. Additionally Ms Noone is active with our on -site
claim audit services.
Ms Noone possess over 18 years of healthcare knowl dge and experience. Her
clinical background includes acute care nursing mana ement, clinical and
consultative therapy sales, utilization review and cas management for a large
Health Management Organization. With the range of er experience in
G Gallagher Benefit Services, Inc.
healthcare Ms Noone serves an invaluable resource to our clients and division
41) overall.
Lending to the growth of Medical Management Services Ms. Noone has been
instrumental in developing and implementing our Stop Loss Clinical Evaluation
and Consulting Services. Throughout her career with HCA Ms Noone has
established herself as leader in her division.
Michael Thomas, PharrnD
Dr. Thomas currently is the Vice President, National 'harmacy Management, for
Gallagher Benefit Services. He specializes in the ar as of managed care
pharmacy, pharmacy benefit management, formulary selection review services,
pharmacy drug spend and analytical review, formula contracting and other
clinical services
specific claims audits and claims denial services.
Dr. Thomas holds an undergraduate degree in chemi aI engineering from the
University of California at Long Beach; he graduated with a Doctor of Pharmacy
from University of Southern California in 1973. He c mpleted his
internship /residency in general medicine, surgical and psyche at Los Angeles
County Hospital, and is a 1991 graduate of the Medical Management Fellowship,
executive MBA program of the University of Californi at Irvine. He also is a past
fellow of Managed Healthcare from the Philadelphia ollege of Pharmacy and
0 Science, 1991 -1994. Michael has spent 12 years in c mmunity pharmacy service
in both the ambulatory and hospital setting. Michael as spent the past 25 years
in Managed Care pharmacy
•
G Gallagher Benefit Services, Inc.
Scope of Services - Retrospective
Below is a list of the services Gallagher Benefit Services has continually performed for
The City of Miami Beach since 2001.
♦ Worked with Task Force and Providers to develop in depth analysis of current
medical program (Phase I and Phase II)
♦ Prepared and assisted in several RFP's processes for Medical, Dental, Life, LTD
and Voluntary Benefits including alternate funding mechanisms.
♦ Developed additional Medical plans to provide emOoyees a choice in delivery of
healthcare and reduce costs to the City and it's employees.
♦ Unlimited actuarial services to provide analysis of II benefit programs including:
plan design, claims, utilization trends and contribu ion strategies.
♦ Assisted with all compliance issues including HIPAA, Medicare Part D, COBRA
and GASB.
♦ Developed current contribution strategies for 5 medical plans.
♦ Evaluated Consumer Driven Health Models (Hum na SmartSuite) for City
viability.
♦ Complete review of all vendor summary plan descriptions for accuracy in benefits
provided and language.
• Negotiated all employee benefit renewals.
• Moved Medical and Dental programs to self- funded in January 2009 for a
significant savings to the City and employees.
♦ Prepared all core benefits for RFP in 2009.
Paul Hebert, Compliance
• Conducted a discussion of Federal and State Pre- mption issues on Healthcare
Reform for the Deputy City Attorney.
♦ Held a Healthcare Reform presentation for the Human Resource and Legal
Departments.
♦ Provided draft language for Early Retiree Reimbursement Application Program
•
Scope of Services — Retrospective, cont'd
Glen Volk, Actuary
♦ Full GASB 45 evaluation Bi- annually.
♦ Provided advice to setup OPEB Trust.
• Conducted a Healthcare Reform Forecasting Analysis for the City Manager and
Human Resource Department.
♦ Provide plan design modeling and contribution setting during renewal.
• Provide Medicare Part D Attestation annually.
Works in Progress:
♦ Preparing Voluntary RFP Analysis.
♦ Review quarterly Status Reports for Medical and Dental.
♦ Oversee general benefit program.
Gallagher Benefit Services, Inc.
A Subsidiary of Arthur I. Gallagher & Co.
November 8, 2010
Ms. Sue Radig
City of Miami Beach
1700 Convention Center Drive
Miami Beach, Florida 33139
RE: GALLAGHER BENEFIT SERVICES, INC. COMPENSATION DISCLOSURE STATEMENT
Dear Sue:
One of the core values highlighted in The Gallagher Way states, "We are an Open Society," and our open
society extends to the compensation Gallagher receives. Gallagher's policy is complete disclosure of all forms
of compensation. To achieve this purpose, the attached disclosure schedule reflects the commission or fee we
will earn on coverage we will place on your behalf.
In general, Gallagher may be compensated as follows:
1. Gallagher companies are primarily compensated from commissions or fees received from the brokerage
and servicing of policies handled for your account. As permitted by law, Gallagher companies may
receive both commissions and fees.
2. Gallagher companies may access other facilities, including wholesalers, reinsurance intermediaries,
underwriting managers and others that act as intermediaries for both Gallagher and other brokers in the
insurance marketplace. If such a facility was utilized in the placement of your account, it may have
earned and retained brokerage commission or fees for its work.
3. In placing, renewing, consulting on or servicing your insurance coverages, Gallagher companies may
participate in contingent commission arrangements with insurance companies that provide for additional
contingent compensation if certain underwriting, profitability, volume or retention goals are achieved.
Such goals are typically based on the total amount of certain insurance coverages placed by Gallagher
with the insurance company, not on an individual policy basis. As a result, Gallagher may be
considered to have an incentive to place your insurance coverages with a particular insurance company.
Our clients are always our top priority and we take pride in the fact that we always put our clients first.
Gallagher is committed to full transparency and we look to you for direction as to how Gallagher is to be
compensated for the services it provides.
One Boca Place
2255 Glades Road, Suite 400 E
Boca Raton, FL 33431
561.995.6706
Fax 561.995.6703 1 Of
www.ajg.com
EXHIBIT B
G
For Employers and Plan Sponsors Subject to ERISA:
This Disclosure Statement is being given to the Buyer (1) to make sure Buyer knows about GBS' and GBS
affiliates' income before purchasing the insurance product and (2) for plans subject to ERISA, to comply with the
disclosure, acknowledgment and approval requirement of Prohibited Transaction Class Exemption No. 8 -24
i
� pp q 1 � ,
which protects both Buyer and GBS
It should also be noted that:
• GBS is not an affiliate of the insurer whose Contract is recommended. This means the insurer whose contract
is recommended does not directly or indirectly have the power to exercise a controlling influence over the
management or policies of GBS.
• GBS' ability to recommend other insurance contracts is not limited by an agreement with the Insurance Carrier.
• GBS is effecting the transaction for the Plan(s) in the ordinary course of GBS business.
• The transaction set forth is at least as favorable to the Plan(s) as an arm's length transaction with an unrelated
party.
• GBS is not a trustee of the Plan(s).
• GBS is neither the Plan Administrator of the Plan(s), a fiduciary of the Plan(s), nor an employer which has
employees in the Plan(s).
For Plans subject to ERISA:
As stated above, ERISA requires Gallagher Benefit Services, Inc. (GBS) to make certain disclosures to you
concerning the sale of insurance, and the compensation that GBS will receive from it. Disclosure must be made
to an independent plan fiduciary for the ERISA Plan(s), and your acknowledgement confirms that you are
agreeing that this is a reasonable transaction in the best interest of participants in your ERISA Plan(s). Please
review the following disclosure schedule, and indicate your desire to proceed.
For more information on Gallagher's compensation arrangements, please visit www.ajg.com /compensation.
Which allows an exemption from a prohibited transaction under Section 408(a) of the Employee Retirement Income Security Act of
1974 (ERISA).
2 In making these disclosures. no position is taken, nor is one to be inferred, regarding the use of assets of a plan subject to ERISA to
purchase such insurance.
Page 2 of 4
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