CORPORATE BENEFITS

In today’s complex benefits environment, creative strategies need to be supported by appropriate market knowledge, including guidance on compliance and regulatory issues that could put your plans in jeopardy. Companies need access to organizations who know the landscape and can help navigate through this new era of health care and regulatory reform.Lenox’s Group Benefits clients enjoy that access through our partnership with NFP (National Financial Partners) Benefits. Together with over 185 owned firms, we form a powerful national partnership of independent practices committed to the design and implementation of innovative and customized strategies for employers of all sizes.This partnership has created an organization unparalleled in the benefits industry. We can offer an expansive portfolio of outstanding products, technology, compliance resources and personal service.

These capabilities assist in overcoming the challenges employers face, while helping meet the needs most critical to employees’ security and well-being, including:• Medical, Dental, Vision• Life/AD&D• Group Short Term and Long Term

Disability• State-Mandated Disability• Section 125 & 132 Plans (FSA/

Transit/Premium-Only)• Voluntary & Executive Carve-Out

Programs (Life/Disability Income/Long Term Care)

• Umbrella Liability• 401(k) and Qualified Retirement

Programs (Lenox RPC™ Platform)• Deferred Compensation• International Welfare & Pension• Travel Accident• Wellness Programs• COBRA• FMLA

PUTTING SERVICE AND ACCESS TOGETHER FOR YOUR BENEFIT

Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services through MML Investors Services, LLC., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML Investors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, LLC. CRN201008-106235 © 2012 Lenox Advisors All rights reserved.

Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.com

Our client list is diverse, across a variety of industries, and they include:

• Jefferies Group • Investment Bank

• Silver Point Capital • Hedge Fund

• OppenheimerFunds® • Financial Services

CORPORATE BENEFITS

HEDGE FUND EXPERTISE

Securities offered through registered representatives of MML Investors Services, LLC, 530 Fifth Avenue, 14th Floor, New York, NY 10036, 212.536.6000. Investment Advisory Services offered through Lenox Advisors, Inc. Lenox Advisors, Inc. is not a subsidiary of, nor affiliated with MML Investors Services, LLC. Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corporation [NFP], a financial services holding company, New York, NY. NFP is not an affiliate or subsidiary of MML Investors Services, LLC. #78007 © 2012 Lenox Advisors, Inc. All rights reserved.

Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.com

With a long history of having hedge funds as clients, Lenox Advisors has developed a unique niche within that industry. Whether it’s designing cutting-edge benefits packages, establishing customized Executive Carve-Out Programs or installing non-qualified Deferred Compensation plans, hedge funds look to Lenox across the spectrum of corporate services.

On the personal front, senior executives and PM’s at hedge funds also hire Lenox to be their exclusive CFO. The Lenox Personal CFO™, the firm’s proprietary platform for streamlining the financial planning process, enables Lenox to coordinate those clients’ financial affairs, eliminating the need for multiple advisors.

These capabilities and skill sets make Lenox the single-source Wealth Management firm hedge funds rely on for both corporate and individual services, including:

HEDGE FUND CORPORATE CLIENT SERVICES

Lenox Corporate Benefits

• Lenox Advisors Group Benefits differentiates itself by having the technology and resources of a large operation, but providing the personal attention of a smaller, specialized firm.

• The bSwift Platform is a key resource— a complete internet-based HRIS tool lets HR administration track, monitor and update hedge funds’ employee records. And it’s all paperless.

Corporate Carve-Out Programs

• Lenox Advisors’ team of professionals helps hedge funds make informed decisions about the best choices for their companies. The firm also provides a full range of support services for hedge fund clients: from acting as the liaison with carriers and vendors to planning and executing employee communications and education programs.

Lenox RPC™ (Retirement Plan Consultancy)

• This unique set of proprietary tools and processes, designed to minimize administrative requirements while maximizing sponsor oversight and employee information, analyzes, monitors, and tracks corporate qualified retirement plans.

HEDGE FUND PRIVATE CLIENT ADVISORY SERVICES

The Lenox Personal CFO™

• Our unique, proprietary service platform aggregates and coordinates senior hedge fund executives’ financial matters, such as:

– Family Office Services – General Financial Planning – Estate Planning

– Asset Allocation Strategies and Monitoring – Children’s College Funding

– Risk Management/Insurance, including Life, Disability Income and Long Term Care Insurance

• Ancillary Services for both corporate and individual hedge fund clients (in partnership with specialist accounting firm)

– Fund Level Accounting/Audit Services – Tax Services – Bill paying

– Management Company/General Partner Level Accounting Services

ComplianCe issues

ComplianCe QuiCk RefeRenCe GuideThis compliance reference resource highlights basic group health and pension plan reporting and disclosure responsibilities required under the Employee Retirement Security Act of 1974 (ERISA) and other Federal mandates, as well as model language for some required communications.

Plan Documents

Section 125 Cafeteria Plan Document

Summary Plan Description (SPD)

Summary of Material Modification (SMM)

Summary of Material Reduction in Covered Services or Benefits

Form 5500 and Schedules

Summary Annual Report (SAR)

Initial COBRA Notice

COBRA Election Notice

Notice of Unavailability of Continuation Coverage

Notice of Early Termination of COBRA Coverage

Uniformed Services Employment and Reemployment Rights Act (USERRA)

Certificate of Creditable Coverage

General Notice of Pre-existing Condition Exclusion

Individual Notice of Period of Pre-existing Condition Exclusion

HIPAA Privacy Policies and Practices

Notice of Privacy Practices

HIPAA Security Policies and Practices

HIPAA Breach Notifications

Business Associate Agreement (BAA)

Women’s Health and Cancer Rights Act (WHCRA)

Michelle’s Law

Mental Health Parity

Employer CHIP Notice

Qualified Medical Child Support Order (QMCSO)

Qualified Domestic Relations Order (QDRO)

404(c) Compliance

404(c) Disclosure Notice

Individual Benefit Statements

Safe Harbor Notice

Automatic Enrollment Notice

Medicare Part D Disclosure to CMS

Notice to Employees Regarding Employer Contributions to HSA

Notice of Special Enrollment Rights

Medicare Part D Notice to Eligible Individuals

Medicare Section 111 Reporting

Taxation of Group Term Life Insurance

T axation of Same-Sex Benefits

Discrimination Rules and Testing

Family and Medical Leave Act (FMLA)

Newborns’ and Mothers’ Health ProtectionAct (NMHPA)

stay in CheCk

The Compliance Checklist is not inclusive of all health and pension plan regulatory requirements and is current as of March, 2010. Therefore, the checklist should not be relied upon as a plan’s sole resource for compliance matters. © 2012 Lenox Advisors, Inc. All rights reserved.

lenox advisors. integrating financial security into financial success.learn more at www.lenoxadvisors.com