Michael R. Young1 Country Gates Drive ● Wilmington, Delaware 19810 ● 302-824-6039 ● mike@pkfinancialgrp.com

Career SummarySenior Sales and Account Management Team Leader with 35 years of experience in the Employee Benefits profession. Develops, manages and integrates customer-centric strategies, experiences and capabilities to obtain planned and profitable results. Extensive experience leading, communicating and managing change across large matrixes of organizations. Demonstrated ability to motivate and lead staff in a demanding customer focused environment. A dedicated and results oriented team leader. Proven areas of expertise utilized to transform corporate vision into profitable reality include:

People Development/Recruitment Sales and Consulting Project Management/Forecasting Budgetary Planning Risk Management Performance Metrics Employee Benefits Analysis Contract Negotiations

Professional Experience

PK Financial Group, LLC, Havertown PA January 2010 to PresentSr. Vice President, Benefits Consulting Responsible for planning, implementation development, staffing and management of the Employee Benefit practice of the PK Financial Group .Directly responsible for Health and Welfare Fund account sales and retention, management of commercial client sales, retention and practice employee management. Responsibilities also include financial reporting, establishing schedules and sales goals, senior consulting leadership and client presentations .Develop and execute project plan designs for customer service support. Partnered across business groups to build a discipline business practice review process. Evaluated current proposed product features and customer decisions to ensure delivery within established service standards. Driver in improving efficiencies by successfully separating functions from direct sales team and customer service support.

West Insurance Group, Philadelphia, PA January 2008 to August 2009 Director of Employee Benefits Managed Benefit Group practice for West Benefits Consulting Group. Responsibilities included, sales, planning, leadership, and strategy activities as well as managing staff and carrier relationships and all sales activities. Directly responsible for all Health and Welfare Fund sales and retention. Directly managed major corporate accounts under West Benefit Group which consist of maintaining over 150 million dollars in annual premium. Developed and implemented customized events and marketing strategies to maximize response rates and activation of employee behavior. Effectively managed group budget and controlled work processes to maximize capacities and competitive pricing as well as researched and negotiated contracts with potential vendors. Researched and conducted cost benefits analysis for capital investment.

Independence Blue Cross, Philadelphia, PA 1980 to 2008Manager of Sales, Health & Welfare/Labor Affairs 1992 to 2008Managed staff of 20 professional employees which included Sales Representatives and Associate Account Managers of the Health and Welfare Labor/Affairs Division. Responsible for management of staff assigned to the retention activities of Independence Blue Cross Labor accounts. My duties included effectively applying sound management principles, encouraging aggressive sales activities, developing sensible and realistic sales goals and accurately assessing the effectiveness of our sales efforts. I provided senior management with accurate information concerning the strengths and weakness of our sales strategies and planning used to achieve a high level of success from our staff efforts. Continued to build partnership with call center teams to ensure customer calls were handled timely as well as working with billing department to ensure invoices were sent timely for customer review and payment.

Independence Blue Cross (cont'd) Manager of Labor Affairs 1990 to 1992Responsible for development, planning, organization and consulting activities associated with new business and retention efforts within Independence Blue Cross Non-Trust Labor accounts. Responsibilities included the development of effective strategies to obtain and retain non-trust funds accounts, to effectively develop organizational capabilities and the integration of the objectives to develop consultative methods in the market. Additional duties consisted of assisting all sales associates in activities with Labor Unions where employee benefits were offered. In addition worked very closely with marketing team to ensure information was readily available for open enrollment and worked with call center teams to ensure Labor Union Employees could call one number to get assistance with benefit questions and establish service standards and share metrics with senior management and other key partners.

Senior Account Executive 1982 to 1990Responsible for sales and retention of Health and Welfare Fund Accounts primarily in the five (5) county Philadelphia areas. Also responsible for retention activities to retain national (BCBSA) Health and Welfare accounts. Accounts included Taft Hartley, VEBA and Multi employer Trusts. Responsible for managing all aspects of maintaining the health and welfare accounts contractual relationship with Independence BlueCross.

Account Executive 1980 to 1982Assignment consisted of sales and retention of small employer groups. Duties included solicitation, development and closing of new business opportunities. Retention efforts involved the maintaining, servicing and continuous growth of client within a book of business with 1,000 group accounts.

Phoenix Mutual Life Insurance Company, Philadelphia PA 1978 to 1980Insurance Agent/BrokerAssignment was to produce sales of Life, Health and Investment products/services. Activities involved solicitation, consultation and retention of a profitable customer base of individuals and groups.

Education

Bachelors of Science, Business Administration, Lincoln University, Lincoln University, PA

Activities

Life and Health Insurance Licenses, Pennsylvania, New Jersey and DelawareFormer President, William Penn School District Board of Directors, Lansdowne, Pa.Former President, Board of Directors World Communication Charter School of Philadelphia, Pa.Vice President, Board of Directors New Media Charter School of Philadelphia, Pa.

Reference furnished upon request