STATE OF MICHIGAN PROCUREMENT

Department Technology, Management and Budget Central Procurement Services 320 S Walnut Street Lansing, MI 48933 P.O. Box 30026, Lansing, MI 48909

CONTRACT CHANGE NOTICE

Change Notice Number 4 to Contract Number 210000001550

C O

N

TR

A C

TO

R

GALLAGHER BENEFIT SERVICES

INC

2600 S Telegraph Rd, Suite 100

Bloomfield Hills MI 48302

Richard Egleston

(248) 526-9500

Richard_egleston@ajg.com

CV0017691

ST

A

TE

Pr og ra m

M an ag er

Christopher DeRose MCSC

(517) 335-3648 derosec@michigan.gov

C on tr ac t A dm in is tr at or Mary Ostrowski DTMB

(517) 249-0438

OstrowskiM@michigan.gov

CONTRACT SUMMARY

Voluntary Benefits Administration Services

INITIAL EFFECTIVE DATE

March 1, 2022

INITIAL EXPIRATION DATE

February 28, 2025

INITIAL AVAILABLE OPTIONS

7 - 1 Year

EXPIRATION DATE

BEFORE

February 28, 2026

PAYMENT TERMS

NET 45

DELIVERY TIMEFRAME

N/A

ALTERNATE PAYMENT OPTIONS

P-Card Direct Voucher (PRC) Other

EXTENDED PURCHASING

Yes No

MINIMUM DELIVERY REQUIREMENTS

N/A

DESCRIPTION OF CHANGE NOTICE

OPTION LENGTH OF OPTION

3 Years

EXTENSION LENGTH OF EXTENSION REVISED EXP. DATE

February 28, 2029

CURRENT VALUE

$193,400,000.00

VALUE OF CHANGE NOTICE

$204,000,000.00

ESTIMATED AGGREGATE CONTRACT VALUE

$397,400,000.00

DESCRIPTION

Please note the Program Manager or Contract Administrator may have changed, and are reflected on this Change Notice.

Effective March 1, 2026, this Contract is exercising 3 option years and is increased by $204,000,000.00.

The revised Contact expiration date is February 28, 2029. In addition the updates in Change Notice 4, Attachment 1 are incorporated.

All other terms, conditions, specifications, and pricing remain the same. Per Contractor and Agency agreement, DTMB Central Procurement Services approval, and State Administrative Board approval on February 17, 2026.

Contract No. 210000001550 Change Notice 4, Attachment 1

1. Schedule N – Subcontractor Table: Schedule N, Subcontractor table is updated and replaced with the attached, to change any reference from Abenity to BenefitHub due to BenefitHub acquiring Abenity.

2. Voluntary Benefits Program Plan Design document linked in Schedule A, Section 2 is updated and replaced to incorporate the following changes:

2.1 Change any reference from Abenity to BenefitHub due to BenefitHub acquiring Abenity.

2.2 Effective September 1, 2026, State Police Retirement System (SPRS) retirees will be eligible for the Supplemental Term Life Insurance, Identify Theft, Legal Plan, and Auto & Home Insurance voluntary benefit offerings.

3. Schedule A, Section 3.10 Organizational Chart is updated and replaced with the attached, to replace Key Personnel Direct Superior to SAM Terri Orem and Contractor’s Contract Administrator Jim Evans with Richard Egleston:

3.10 Organizational Chart

The Contractor must provide an overall organizational chart that details staff members, by name and title, and includes subcontractors.

Contractor’s Voluntary Benefits Consulting & Benefits for Life Call Center

4. Schedule A, Section 3.6.2 Key Personnel Table is updated and replaced below, to replace Key Personnel Direct Superior to SAM Terri Orem with Richard Egleston.

Key Personnel Table

Position Name Role(s) / Responsibilities

Direct / Subcontrac t/ Contract

FT/

PT/

T

% of Work Time

Physica l

Locatio n

Senior Account Manager

(SAM)

Melinda Brown

Account and market support, enrollment coordination and implementation, employee education, online tools, marketplace strategies, customized communications, data review, reporting, marketing and negotiations, employer contact for carrier problem solving, service and claims resolution, customer service advocate.

Direct FT 100% Office:

Auburn Hills, MI Home Office:

Holt, MI

Back-Up

SAM

Tandy Niles

Fully trained in all aspects of SOM account. Assists SAM with annual enrollment planning, implementations, reporting, and escalations. Serves as back-up to primary SAM as needed.

Direct FT 25% Office:

Durham, NC

Home:

Burlingto n, NC

Direct Superior to

SAM

Richard Egleston

Leads the Voluntary Benefit Practice National Service Team.

Responsibilities include strategic planning and

Direct FT 25% Office:

Auburn Hills, MI Home:

Nolensvi lle, TN consulting, client services, and proposals & analysis.

Implementati on Manager

Melinda Brown

Coordination and implementation of all new plans, policies and carriers. Creation of employee education, online tools, marketplace strategies, and customized communications.

Set-up of call center, online and/or paper enrollment methods, file testing and integration.

Direct FT 100% Office:

Auburn Hills, MI Home Office:

Holt, MI

Call Center Manager

Bonnie Antonelli

Regional Director for Northeast, Atlantic and Southeast Regions

– Oversees SOM & SOMR BFL Call Center Management team.

Direct FT 25% Office:

Mt.

Laurel, NJ

Technical Support Manager

Rebeka h Lauer

Provides oversight and leadership EDI, SFTP, File Feeds teams. These teams perform all payroll/deduction/re mittance/census file operations, set-up and maintenance.

Subcontract or

FT As neede d

Office:

Milwauk ee, WI

5. Schedule A, Section 3.1 Contract Administrator is updated and replaced with the attached to replace Jim Evans with Richard Egleston.

3.1 Contract Administrator

The Contract Administrator for each party is the only person authorized to modify any terms of this Contract, and approve and execute any change under this Contract (each a “Contract Administrator”):

State: Contractor:

Mary Ostrowski 525 W Allegan St Lansing, MI 48913 ostrowskim@michigan.gov 517-249-0438

Richard Egleston 2600 S. Telegraph Rd., Suite 100, Bloomfield Hills, MI 48302 richard_egleston@ajg.com 414-491-5939

6. Standard Contract Terms Section 6 Notices is updated and replaced with the attached to replace Jim Evans with Richard Egleston.

6. Notices. All notices and other communications required or permitted under this Contract must be in writing and will be considered given and received: (a) when verified by written receipt if sent by courier; (b) when actually received if sent by mail without verification of receipt; or (c) when verified by automated receipt or electronic logs if sent by facsimile or email.

If to State: If to Contractor:

Mary Ostrowski 525 W. Allegan St.

Lansing, MI 48913 ostrowskim@michigan.gov 517-249-0438

Richard Egleston 2600 S. Telegraph Rd., Suite 100, Bloomfield Hills, MI 48302 richard_egleston@ajg.com 414-491-5939

7. This Contract is amended to reflect updated accessibility standards. All prior references to ADA, Accessibility, and/or WCAG 2.0 are replaced and superseded with the following language:

Accessibility Requirements.

The State is required to comply with the Americans with Disabilities Act of 1990 (ADA) and has adopted standards and procedures regarding accessibility requirements for websites, applications, content, and electronic documents. Due to a change in the law, the State is required to comply with specific accessibility standards for websites, applications, content and documents. Starting 4/24/2026, throughout the Term, all websites, applications, software, content, and electronic documents, including but not limited to mobile applications, text, images, sounds, videos, controls, animations, links, and documents (including files in the following formats: PDF, word processing, presentation, and spreadsheet), created, provided, or made available by the Contractor under this Contract, must comply with WCAG 2.1 Level AA.

mailto:richard_egleston@ajg.com mailto:ostrowskim@michigan.gov mailto:richard_egleston@ajg.com

Contract No. 210000001550 Michigan .gov/MiProcure ment

SCHEDULE N – SUBCONTRACTOR TABLE

Subcontractor Table A. The legal business name, address, telephone number of the subcontractor(s).

Trustmark Insurance Company 400 N Field Drive Lake Forest, IL 60045 847.615.1500

B. Type of Subcontractor (please check all that apply for this subcontractor)

☒ Accident Insurance

☒ Critical Illness

☒ Hospital Indemnity Insurance

☒ Universal Life Insurance

☒ File Consolidation Services

C1) A description of subcontractor’s organization, C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) The organization has more than 100 years of experience in voluntary benefits, the division is well positioned to provide the information employers and employees need to make knowledgeable decisions that enhance their benefit plans and provide critical financial protection.

Trustmark maintains an A- (Excellent) A.M. Best Solvency Rating.

C2) Trustmark will administer the Accident Insurance, Critical Illness Insurance, Universal Life Insurance, and Hospital Indemnity Insurance plans for State active employees. Trustmark’s Voluntary Benefit Solutions will also serve as the third-party administrator (TPA) for all eligibility, payroll, deduction, and remittance file consolidation transactions. This will include consolidation and distribution of all Contractor’s subcontractor carrier files. Trustmark also maintains one online billing consolidation system that contains a record of biweekly/ monthly payroll/pension deductions and remittance for all incoming and outgoing files. And finally, Trustmark provides a staff of highly trained and knowledgeable technical staff that manage the file and billing consolidation processes.

Subcontractor Table

C3) Trustmark has a highly talented dedicated team assigned to the various activities related to the State. This team consists of some of Trustmark’s most talented staff who have several years’ experience. Each area has extensive documentation for the processes and activities specifically related to case. This documentation assures that any staff member changes occur smoothly and seamlessly.

Trustmark continues to invest in their business by continually evaluating and updating Trustmark systems, processes and people. Trustmark works closely with the Contractor, the Plan Sponsor, and policy holders to understand their needs and expectations.

Trustmark’s most recent enhancements have included an on-line customer portal for insureds to access their coverage 24/7. They have also built out on-line claims capabilities which include not only the ability to file and manage claims on-line, they also offer an option for direct deposit of benefit payment to the insureds bank account.

While Trustmark adds these capabilities they have not changed their philosophy of service. Customers can use these enhanced methods of communication, or they Can call customer service.

Trustmark consistently meets or exceeds Contractor’s service benchmarks. With continued investment into their business and capabilities they feel they are well positioned for next century.

Trustmark can provide all activities as described within the Contract as it relates to the specific plans and activities listed in C2.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business ☐ Used only for this contract ☒ Used for multiple contracts

A. The legal business name, address, telephone number of the subcontractor(s).

Metropolitan Life Insurance Company (MetLife) 200 Park Avenue New York, NY 10166-0005 800-638-5433

B. Type of Subcontractor (please check all that apply for this subcontractor)

☒ Accidental Death & Dismemberment Insurance

☒ Supplemental Term Life Insurance

☒ Pet Insurance

C1) A description of subcontractor’s organization, C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) Metropolitan Life Insurance Company opened for business in 1868. Serving approximately 100 million customers, and operations in nearly 50 countries. As a global company, they hold leading market positions in the U.S., Japan, Latin America, Asia, Europe and the Middle East. MetLife is a marketplace leader with a broad range of employee benefit capabilities and rank competitively in a majority of our group products.

Metropolitan Life Insurance Company maintains an A+ (Superior) A.M. Best Solvency Rating.

C2) MetLife will be responsible for administering the Supplemental Term Life Insurance, Accidental Death & Dismemberment (AD&D), and Pet Insurance. The MetLife standard ongoing services for Life insurance include the following:

• Administrative Services

− Provide plan documents including the policy and booklet/certificate, enrollment communications and other materials intended for distribution to participants;

− Furnish reports as required by federal and/or state legislation;

− Confer on specific questions, when requested by the policyholder, concerning plan provisions relating to eligibility, effective dates, cessation of coverage and other matters that may affect the administration of the plan;

− Furnish standard enrollment and SOH forms and provide individual medical underwriting evaluating services;

− Process all SOH applications and provide follow up correspondence to the employee regarding the status and the final determination;

− If a medical exam is necessary, provide paramedical exam service;

− Update our administrative systems with customer plan design changes as necessary.

• Financial and Underwriting Services

• Claim Processing Services

− Provide claim forms;

− Determine eligibility for benefits and adjudicate claims;

− Process all appeals;

− Administer claims for continuation of Life insurance for disabled employees and incapacitated children based on plan design;

− Administer the Total Control Account (TCA) Life settlement option;

− Administer the accelerated benefits option (ABO) living benefit feature.

• Marketing and Enrollment Services − Enrollment, operations and services;

− Make available personnel to visit locations as requested by the policyholder.

• Customer Service

− Provide you with customer service via a toll-free number;

− Process and administer conversion applications and portability election forms and conversion applications (if applicable).

Life Recordkeeping Services

Life recordkeeping services offer enhanced enrollment options, and a full assortment of administrative services. Recordkeeping helps to streamline your Life plan operations while assisting in communicating the value of Life insurance to your employees.

MetLife also offers the following recordkeeping assistance and expertise:

MyBenefits, employees can:

• Designate beneficiaries;

• Look up the toll-free number for our call center;

Statement of Health Processing Employees can submit a Statement of Health (SOH) application and you can monitor decisions. MetLife will:

• Determine the need for a SOH;

• Process SOH forms submitted via paper;

• Communicate SOH status and decisions to employees;

• Answer employee inquiries through our call center.

Beneficiary Designation Processing MetLife will maintain accurate and current beneficiary designations by:

• Receiving, tracking and maintaining all beneficiary designations;

• Delivering confirmation of all entries and changes;

• Handling related inquiries via our toll-free number;

• Offering beneficiary change capabilities via MyBenefits, our employee website, via our toll-free number or by mail;

• Managing any changes directly with the employee.

Claim Preparation MetLife ensures accurate claim processing by:

• Receiving claim notification directly from claimant;

• Completing the employer portion of a claim;

• Verifying current beneficiary information;

• Preparing and sending the claim package to the appropriate beneficiary;

• Ensuring proper death claim processing with effective communication;

• Handling related inquiries via our toll free call center number.

Electronic Death Match Services MetLife matches their data with data aggregated by Global Party Management, which provides a single view of a MetLife customer across country. Global Party Management aggregates information from 40+ internal sources to match to external death sources.

Billing Solutions Payroll Deduction Billing & Direct Bill Options.

Portability and Conversion Notification with Transition Solutions MetLife provides timely notification regarding the right to continue coverage including:

• Comprehensive home mailing with all necessary forms, instructions and supporting information to help your employees exercise portability or conversion;

• Registered financial representative outreach for assistance with options and completing the proper forms.

Professional Customer Service The MetLife recordkeeping program offers assistance throughout the Life benefit cycle.

C3) MetLife will provide all activities as described within the Contract as it relates to the plans listed in C2. MetLife has been in the insurance business for over 150 years and are the leading player in group benefits, with a market share of 25% among large employers. Overall, they provide insurance and benefits to 40 million workers at 50,000 businesses.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business address, telephone number of the subcontractor(s).

Liberty Mutual Insurance Company 175 Berkeley Street Boston, MA 02116 617-357-9500

B. Type of Subcontractor (please check all that apply for this subcontractor)

☒ Group Auto & Home Insurance

C1) A description of subcontractor’s organization, C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) Liberty Mutual Group, founded in Boston in 1912, is a diversified global insurer and one of the largest multi-line property and casualty insurers in North America.

Liberty Mutual offerings include a wide range of insurance products and services, including personal automobile, homeowners, workers compensation, commercial multiple peril, commercial automobile, general liability, global specialty, group disability, assumed reinsurance, fire, and surety. Liberty Mutual Group (www.libertymutualgroup.com) employs over 50,000 people in more than 900 offices throughout the world. The State of Michigan Voluntary Auto & Home Program resides within our Personal Insurance business unit.

Liberty Mutual has specialized in the auto and home affinity market for 50 years and with more than 16,000 partners. Their programs focus on a multi-channel distribution strategy; this allows the convenience of quoting, binding, and servicing through:

• local offices

• representatives on-site

• call centers available 7 days a week

• online quoting, available 24/7

Liberty Mutual maintains an A (Excellent) A.M. Best Solvency Rating.

C2) Liberty Mutual will be responsible for administering Auto & Home Insurance for SOM members.

Members will have access to a wide array of insurance product offerings including: auto, homeowner, landlord, condo, renters, umbrella, watercraft, motorcycle, off road vehicles, classic and antique cars, and motorhomes.

In addition to personal automobile and homeowners Insurance, Liberty Mutual Companies will make our full line of personal insurance products and services available to your employees and retirees, including seasonal and rental properties, floater, motor homes, recreational vehicles, scheduled personal property, and identity fraud expense coverage.

Liberty will manage the distribution, claims, and servicing for all policies sold through the SOM auto and home member program.

C3) Liberty Mutual is able to provide all activities as described within the contract as it relates to the specific plans listed in C2.

Liberty Mutual offers multiple distribution channels.

SOM members can receive personalized service from trained professionals by accessing Liberty through the internet or call the direct response center toll-free. Licensed insurance professionals can review SOM members' needs, explain the coverages available and help them make cost and coverage comparisons. Those who decide to sign up for the program can enroll via telephone. Liberty takes a consultative approach, there is no sales pressure. They understand that consumers have a choice in whom they buy their insurance from and how they buy the product.

In addition to call centers and the internet, Liberty Mutual employs more than 2,200 sales representatives in more than 200 offices throughout the US. By offering this extensive distribution channel, they can attract more members to utilize the benefit, since they have the option to meet their preferred enrollment method.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business the subcontractor(s).

Pre-Paid Legal Services, Inc. (PPLSI) (dba LegalShield) One Pre-Paid Way, Ada, OK 74820 580-436-1234 this subcontractor)

☒ Identify Theft Protection Plan

☒ Legal Plan

C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) Founded in 1972 in Ada, Oklahoma, LegalShield is a leading provider of legal plans and identity theft solutions to families and businesses across the United States and Canada. LegalShield maintains an A+ rating with the BBB.

C2) LegalShield/IDShield is responsible for administering Legal and Identity Theft Plans for SOM members.

IDShield is the only identity theft protection plan that provides direct access to Licensed Private Investigators. They put the participant first and fully restore their identity - hassle-free and with no additional fees. IDShield also provides online privacy and reputation management services to proactively help keep participant’s identity and personal reputation safe. And with the IDShield mobile app, participants can easily view their real-time alerts, track their credit score, add/edit their personal information and speak directly to an identity theft specialist 24/7/365.

LegalShield is the only proprietary nationwide network of provider law firms, ensuring best-in-class quality service to SOM members.

Members receive direct access to a dedicated provider law firm, including 24/7 emergency legal access for covered matters. The legal plan covers phone consultations, legal research, office visits, demand letters, phone calls, and in-court representation on a large number of covered legal matters. LegalShield also offers a mobile app that members can utilize to stay in contact with their provider law firm and submit legal documents.

C3) LegalShield/IDShield will provide all activities as described within the contract as it relates to the plans listed in C2.

LegalShield is the largest legal services plan provider in the United States, serving more than 4 million people. Additionally, over 35,000 companies offer the LegalShield & IDShield plan to their employees as a voluntary benefit.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business the subcontractor(s).

BenefitHub 4030 W Boy Scout Blvd Suite 400 Tampa, FL 33607 615-807-0222

(please check all that apply for this subcontractor)

☒ Discount Plan

C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) BenefitHub helps employers, alumni groups, and associations supplement their benefits with private perks and discount programs. BenefitHub maintains an B rating with BBB.

C2) BenefitHub will be the subcontractor carrier for the free discount plan (paid for by Gallagher) offered to SOM members.

C3) BenefitHub currently serves over 15 million members and more than 250 employers and membership groups across the US and Canada. BenefitHub will provide services noted in C2 for the contract.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business the subcontractor(s).

Prudential Insurance Co of America 2101 Welsh Road Dresher, PA 19025

800-732-0416

B. Type of Subcontractor (please check all that apply for this subcontractor)

☒ Long-Term Care Insurance

C1) A description of subcontractor’s organization, C2) A complete description of the services that will be performed or provided for this

C1) Prudential offers a wide array of financial products and services, including life insurance, annuities, retirement-related products and services, mutual funds and investment management.

Prudential maintains an A+ (Superior) A.M Best Solvency rating.

specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C2) Prudential will be the subcontractor carrier for the discontinued Group Long Term Care coverage.

Prudential no longer offers the plan to State employees or retirees, however, they will continue to maintain all in-force coverages.

C3) Prudential began providing LTC in 2011, and started plan maintenance only in 2013. Prudential.

Prudential will continue to provide all contract activities noted in C2. Prudential Financial, a financial wellness leader and premier global investment manager with approximately $1.7 trillion of assets under management as of December 31, 2020, has operations in the United States, Asia, Europe and Latin America. Through our subsidiaries and affiliates, we offer a wide array of financial products and services, including life insurance, annuities, retirement-related products and services, mutual funds and investment management. Prudential offers these products and services to individual and institutional customers through proprietary and third-party distribution networks.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business the subcontractor(s).

Farmers Property and Casualty Insurance Company 700 Quaker Lane Warwick, RI 02886 800-438-6381

☒ Group Auto & Home Insurance subcontractor’s organization, C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) Farmers opened for business in 1928. Today, the companies comprising Farmers make up one of the country's largest insurers of vehicles, homes and small businesses and provide a wide range of insurance and products. The Farmers Exchanges are three reciprocal insurers (Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange) owned by their policyholders, and together with their subsidiaries and affiliates comprise the Farmers Insurance Group of Companies. Farmers Group, Inc. and its subsidiaries, in their capacity as attorneys-in-fact, provide administrative and management services to the Farmers Exchanges. Farmers maintains an A (Excellent) A.M. Best Solvency Rating.

C2) Farmers will be responsible for administering Auto & Home Insurances for the active employee population. Farmers offers a wide range of products and services so that employees can choose the right fit for them. Farmers policies are portable so that members can take their coverage with them wherever they go. Our Property and Casualty lines include:

• Auto;

• Home;

• RV;

• Renters;

• Flood;

• Boats;

• Condo;

• Personal excess liability protection;

• Landlord’s rental dwelling;

• Bundled packages.

Farmers also offer savings advantages for workplace benefits:

• Group discounts of up to 15%;

• Payroll deduction discounts of up to

12%;

• Multi-policy and multi-product discounts;

• Long-term employment loyalty rewards.

Coverage:

• Replacement Cost Coverage on new vehicles with no deduction for depreciation. In a total covered loss, a new vehicle is repaired or replaced with a new car;

• Replacement Costs for Special Parts provides the repair or replacement of certain parts, regardless of their wear and tear at the time of the accident;

• Replacement Cost Coverage on Home rebuilds your employee’s home at today’s rebuilding cost, even if that takes it over the policy’s limit;

• Deductible Savings Benefit rewards employees with $50 for every year of claim-free driving for up to five years.

Employees can use the money to pay for their deductible;

• Multi-policy advantages offer auto and home combination policies that provide the convenience of one common effective date and payroll deduction, while eliminating multiple bills and insurance forms.

C3) Farmers is proud to serve more than 10 million households with more than 19 million individual policies across all 50 states. Farmers will provide activities as described within the contract and listed in C2.

☐ Used by entire Book of Business the subcontractor(s).

LifeSecure Insurance Company 10559 Citation Drive, Suite 300 Brighton, MI 48116 Phone: 866.582.7702 this subcontractor)

☒ Long-Term Care Insurance

C1) A description of subcontractor’s organization, C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) Provider of Long Term Care and Ancillary Health Products: Personal Accident, Hospital Recovery, Critical Illness.

C2) LifeSecure currently offers Individual Long Term Care plans to active State employees. The State retiree Individual Long Term Care is no longer actively offered, however, LifeSecure will continue to maintain all in-force policies. LifeSecure offers a direct billing option to all participants of the plan.

C3) Founded in 2006, LifeSecure is dedicated to bringing to market solutions that protect families and their assets. They are focused on creating a different kind of insurance experience four our customers. We believe insurance should be easy to understand, effortless to buy and simple to use.

LifeSecure is currently licensed in 49 states and the District of Columbia. With over 68,000 policyholders and revenue exceeding $30,000,000. LifeSecure is able to continue to perform and provide all contract activities as described in C2.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business the subcontractor(s).

Businessolver.com, Inc.

1025 Ashworth Rd.

West Des Moines, IA. 50265 515-273-1500 this subcontractor)

☒ Benefit Enrollment Solutions Technology Partner

C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1: A market-changing benefits technology partner focused on the needs of the business.

Delivering benefits administration, enrollment solutions, and services for clients that employees need for today and tomorrow.

Transforming the annual enrollment experience into a personalized journey.

Businessolver offers benefits administration, enrollment solutions, benefit decision support, personalized landing page, and customer service/enrollment services through their call center.

C2: Businessolver provides a SaaS-based benefit enrollment solution for active employees of the State. The enrollment platform manages eligibility, enrollment data, plan rules, plan documents, rates, scripting, call center management tools, reporting, and more. Businessolver also provides an enrollment solutions call center where they provide representatives that are specifically trained and licensed in the voluntary benefit plans that they assist employees with. The representatives answer questions, assist callers to find benefit solutions that meet their needs, and enroll employees in voluntary benefits. Furthermore, Businessolver hosts the year-round website benefitsforlife.org that contains important information and links to plan documents, this is also the site employee’s visit to enroll.

C3: Nothing is more important in benefits enrollment software than having timely and accurate data management built into your platform. Businessolver delivers a SaaS-based benefit enrollment solution that empowers employees to enroll based on eligibility which is determined in the same platform and within the same technology. Our technology is built on a single code base, this means data integration is seamless, and security is rock-solid between the platform, vendors, and carriers. Since 2017 Businessolver has been servicing this contract as a subcontractor and is able to continue to perform and provide all contract activities as described in C2.

STATE OF MICHIGAN

ENTERPRISE PROCUREMENT

Department of Technology, Management, and Budget 320 S. Walnut Street 2nd Floor Lansing, MI 48933

P.O. BOX 30026 LANSING, MICHIGAN 48909

CONTRACT CHANGE NOTICE

CONTRACT SUMMARY

Voluntary Benefits Administration Services

INITIAL EFFECTIVE DATE INITIAL EXPIRATION DATE INITIAL AVAILABLE OPTIONS EXPIRATION DATE

BEFORE

March 1, 2022 February 28, 2025 7 - 1 Year February 28, 2025

PAYMENT TERMS DELIVERY TIMEFRAME

ALTERNATE PAYMENT OPTIONS EXTENDED PURCHASING

MINIMUM DELIVERY REQUIREMENTS

N/A

P-Card Direct Voucher (PRC) Other Yes No

2600 S Telegraph Rd, Suite 100

Bloomfield Hills MI 48302

Jim Evans

(248) 457-8572

James_Evans@ajg.com

CV0017691

GALLAGHER BENEFIT SERVICES

INC

C O

N

TR

A C

TO

R

(517) 335-3648 derosec@michigan.gov

Mary Ostrowski

(517) 249-0438

DTMB

Christopher DeRose MCSC

OstrowskiM@michigan.gov

C ontract

A dm inistrator Program M anagerSTA

TE

N/ANET 45

Change Notice Number 3 to

Contract Number 210000001550

DESCRIPTION OF CHANGE NOTICE

OPTION EXTENSIONLENGTH OF OPTION LENGTH OF EXTENSION REVISED EXP. DATE

CURRENT VALUE VALUE OF CHANGE NOTICE ESTIMATED AGGREGATE CONTRACT VALUE

1 Year February 28, 2026

$127,800,000.00 $65,600,000.00 $193,400,000.00

DESCRIPTION

Effective March 1, 2025, this Contract is exercising the first option year and is increased by $65,600,000.00. The revised expiration date is February 28, 2026. In addition, subcontractor Abenity, Inc.'s address is updated as follows:

Abenity, Inc.

4030 W Boy Scout Blvd. Suite 400

Tampa, FL 33607

All other terms, conditions, specifications, and pricing remain the same. Per contractor and agency agreement, DTMB Central Procurement Services approval, and State Administrative Board approval on February 25, 2025.

ENTERPRISE PROCUREMENT

Department of Technology, Management, and Budget

525 W. ALLEGAN ST., LANSING, MICHIGAN 48913

P.O. BOX 30026 LANSING, MICHIGAN 48909

CONTRACT CHANGE NOTICE

CONTRACT SUMMARY

Voluntary Benefits Administration Services

INITIAL EFFECTIVE DATE INITIAL EXPIRATION DATE INITIAL AVAILABLE OPTIONS EXPIRATION DATE

BEFORE

March 1, 2022 February 28, 2025 7 - 1 Year February 28, 2025

PAYMENT TERMS DELIVERY TIMEFRAME

ALTERNATE PAYMENT OPTIONS EXTENDED PURCHASING

MINIMUM DELIVERY REQUIREMENTS

N/A

P-Card Direct Voucher (PRC) Other Yes No

2600 S Telegraph Rd, Suite 100

Bloomfield Hills MI 48302

Jim Evans

(248) 457-8572

James_Evans@ajg.com

CV0017691

GALLAGHER BENEFIT SERVICES

INC

C O

N

TR

A C

TO

R

(517) 335-3648

DeroseC@michigan.gov

Mary Ostrowski

(517) 249-0438

DTMB

Christopher Derose MCSC

OstrowskiM@michigan.gov

STA

TE

C ontract

A dm inistrator Program M anager

N/ANET 45

Change Notice Number 2 to

Contract Number 210000001550

DESCRIPTION OF CHANGE NOTICE

OPTION EXTENSIONLENGTH OF OPTION LENGTH OF EXTENSION REVISED EXP. DATE

CURRENT VALUE VALUE OF CHANGE NOTICE ESTIMATED AGGREGATE CONTRACT VALUE

$127,800,000.00 $0.00 $127,800,000.00

DESCRIPTION

Effective May 30, 2024, the updates in Change Notice 2, Attachment 1 are incorporated.

All other terms, conditions, specifications and pricing remain the same. Per vendor and agency agreement and DTMB Central Procurement approval.

Change Notice 2, Attachment 1

1.) Schedule B – Pricing: Schedule B, Pricing is updated and replaced below, which updates and replaces Legal Plan pricing and structure to:

2.) Schedule N – Subcontractor Table: Schedule N, Subcontractor table is updated and replaced below, to incorporate the following changes:

• Update the Metropolitan Life Insurance Company section to exclude Legal Plan services

• Update the Pre-Paid Legal Services, Inc.(dba LegalShield) section to include Legal Plan services

$7.45 $16.15 $7.45 $16.15 $7.45 $16.15 Fixed flat rate

$9.18 $19.90 $9.18 $19.90 $9.18 $19.90 Fixed flat rate $10.11 $21.90 $10.11 $21.90 $10.11 $21.90 Fixed flat rate

Retiree Monthly

Rate

Employee Bi-weekly

Rate

Retiree Monthly

Rate

Employee Bi-weekly

Rate

Retiree Monthly

Rate

Employee Bi-weekly

Rate Legal Plan Legal Plan Legal and Identity Theft Bundled Plans Employee only ID Theft + Legal Family ID Theft + Legal

Plan Year 1 Plan Year 2 Plan Year 3 Pricing methodology used to determine rate changes Plan Type

Mich igan .gov/MiProcure ment

SCHEDULE B – PRICING

$6.83 N/A $6.83 N/A $6.83 N/A Fixed flat rate $9.84 N/A $9.84 N/A $9.84 N/A Fixed flat rate

$13.91 N/A $13.91 N/A $13.91 N/A Fixed flat rate $16.92 N/A $16.92 N/A $16.92 N/A Fixed flat rate

Amount of Employee Cov: $15,000 $0.19 N/A $0.19 N/A $0.19 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $30,000 $0.39 N/A $0.39 N/A $0.39 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $60,000 $0.78 N/A $0.78 N/A $0.78 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $120,000 $1.55 N/A $1.55 N/A $1.55 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $240,000 $3.10 N/A $3.10 N/A $3.10 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $300,000 $3.88 N/A $3.88 N/A $3.88 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $400,000 $5.17 N/A $5.17 N/A $5.17 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $500,000 $6.46 N/A $6.46 N/A $6.46 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $600,000 $7.75 N/A $7.75 N/A $7.75 N/A Flat rate per thousand of coverage

Amount of Employee Cov: $700,000 $9.05 N/A $9.05 N/A $9.05 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $15,000 $0.19 N/A $0.19 N/A $0.19 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $30,000 $0.39 N/A $0.39 N/A $0.39 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $60,000 $0.78 N/A $0.78 N/A $0.78 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $120,000 $1.55 N/A $1.55 N/A $1.55 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $240,000 $3.10 N/A $3.10 N/A $3.10 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $300,000 $3.88 N/A $3.88 N/A $3.88 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $400,000 $5.17 N/A $5.17 N/A $5.17 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $500,000 $6.46 N/A $6.46 N/A $6.46 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $600,000 $7.75 N/A $7.75 N/A $7.75 N/A Flat rate per thousand of coverage Amount of Spouse Cov: $700,000 $9.05 N/A $9.05 N/A $9.05 N/A Flat rate per thousand of coverage Amount of Child(ren) Cov: $15,000 $0.19 N/A $0.19 N/A $0.19 N/A Flat rate per thousand of coverage

$7.45 $16.15 $7.45 $16.15 $7.45 $16.15 Fixed flat rate

$9.18 $19.90 $9.18 $19.90 $9.18 $19.90 Fixed flat rate $10.11 $21.90 $10.11 $21.90 $10.11 $21.90 Fixed flat rate

Death Benefit Relationship Issue Age* Smoker $10,000 GI Employee 30 No $10,000 GI Employee 40 No $10,000 GI Employee 50 Yes $20,000 Modified GI Employee 30 No $20,000 Modified GI Employee 40 Yes $20,000 Modified GI Employee 50 No $70,000 Additional Underwriting Employee 30 Yes

$70,000 Additional Underwriting Employee 40 Yes

$70,000 Additional Underwriting Employee 50 No

Coverage Amount Relationship Age Band Smoker

Employee Bi-weekly

Rate

Retiree Monthly Rate

Employee Bi-weekly

Rate

Retiree Monthly Rate

Employee Bi-weekly Rate

Retiree Monthly

Rate

$700,000 Employee 40-44 Yes $91.11 N/A $91.11 N/A $91.11 N/A 5 year attained age (age-band) based rates

$700,000 Employee 40-44 No $32.31 N/A $32.31 N/A $32.31 N/A 5 year attained age (age-band) based rates

$400,000 Employee 30-34 Yes $22.34

N/A $22.34

N/A $22.34

N/A 5 year attained age (age-band) based rates

$50,000 Employee/Retiree 70-74 No $47.49 $198.15 $47.49 $198.15 $47.49 $198.15

5 year attained age (age-band) based rates

$700,000 Spouse 50-54 Yes n/a n/a n/a n/a n/a n/a 5 year attained age (age-band) based rates

$500,000 Spouse 30-34 No $21.46 n/a $21.46 n/a $21.46 n/a 5 year attained age (age-band) based rates

$100,000 Spouse 25-29 No $4.02 n/a $4.02 n/a $4.02 n/a 5 year attained age (age-band) based rates

$25,000 Spouse 65-69 Yes $23.08 $78.28 $23.08 $78.28 $23.08 $78.28 5 year attained age (age-band) based rates

$2,000 Child N/A No $0.27 $0.58 $0.27 $0.58 $0.27 $0.58 5 year attained age (age-band) based rates

$6,000 Child N/A No $0.80 $1.74 $0.80 $1.74 $0.80 $1.74 5 year attained age (age-band) based rates

$10,000 Child N/A No $1.34 $2.90 $1.34 $2.90 $1.34 $2.90 5 year attained age (age-band) based rates

Plan Year 1 through 3

Death Benefit (includes LTC & built in riders) Relationship Issue Age* Smoker

Employee Bi-weekly

Rate $25,000 GI Employee 30 Yes $13.34 $25,000 GI Employee 41 No $16.69 $25,000 GI Employee 52 Yes $38.92 $50,000 GI Employee 29 Yes $24.08 $50,000 GI Employee 60 No $88.69 $50,000 GI Employee 58 Yes $110.79 $75,000 GI Employee 25 Yes $30.47 $75,000 GI Employee 47 No $64.06 $75,000 GI Employee 58 Yes $165.33 $100,000 Modified GI Employee 32 Yes $52.39 $100,000 Modified GI Employee 69 No $339.67 $100,000 Modified GI Employee 55 Yes $179.75

Pet Insurance

Hospital Indemnity Insurance

Issue Age EE EE+SP EE+CH FAM 18-49 $12.92 $22.98 $26.02 $36.08 50-59 $19.46 $36.24 $32.58 $49.36 60-64 $29.08 $55.78 $42.20 $68.90 65-70 $41.04 $79.90 $54.14 $93.00

Must be free to participants and paid for fully by Contractor Pricing not required; Bidder must partner with LifeSecure for new enrollment offerings to employees - pricing determined by LifeSecure

Voluntary Benefits Plans - Premium Rates

Bidder's pricing methodology used to determine rate changes

Supplemental Term Life Insurance Pricing

Universal Life Insurance w/ LTC Plan Pricing

*Require an issue age plan with level premiums

*Require an issue age plan with level premiums **Minimum Bi-weekly premium is $6.00, which buys more than $10,000 at ages 30 & 40. Age 30 - $18,043, Age 40 - $11,441

*Enhanced Accident Insurance is the open plan offering; the previous Accident Insurance offering is a closed plan but there are still a number of employees enrolled in this plan. Bidder will be responsible for ensuring separate (lower) premiums are withheld from employees enrolled in this plan and that the applicable lower plan coverages are applied. See also Schedule J Plan designs.

Plan Year 1 Plan Year 2 Plan Year 3

Full Family (EE, Sp & Child(ren))

Accidental Death & Dismemberment Insurance

Group Auto & Home Insurance

Employee Bi-weekly

Rate

Retiree Monthly Rate

Enhanced Accident Insurance* Employee Only Employee & Spouse Employee & Child(ren)

Legal Plan

$50.75

$59.88

Critical Illness Pricing

Legal Plan

$6.54 $15.22

Enhanced Accident Insurance / Accidental Death & Dismemberment Insurance / Identity Theft / Legal Plans Plan Year 1 Plan Year 2 Plan Year 3

Bidder pricing methodology used to determine rate changesPlan Type

Employee Bi-weekly

Rate

Retiree Monthly Rate

Employee Bi-weekly

Rate

Retiree Monthly Rate

Legal and Identity Theft Bundled Plans Employee only ID Theft + Legal Family ID Theft + Legal

Rates vary by needs, plan elections, breed type, and zip code.

Fixed Pricing, Effective June 1, 2024 through Plan Year 3

Long-Term Care Insurance Discount Plan (must be free to participants)

$17.82

$26.44

Plan Year 1 through 3 Employee

Bi-weekly Rate 3.77** 5.37** $16.86

Scenario was provided for Bidder to quote. Actual rates will vary by needs address, telephone number of the subcontractor(s).

Trustmark Insurance Company 400 N Field Drive Lake Forest, IL 60045 847.615.1500 this subcontractor)

☒ Accident Insurance

☒ Critical Illness

☒ Hospital Indemnity Insurance

☒ Universal Life Insurance

☒ File Consolidation Services

C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) The organization has more than 100 years of experience in voluntary benefits, the division is well positioned to provide the information employers and employees need to make knowledgeable decisions that enhance their benefit plans and provide critical financial protection.

Trustmark maintains an A- (Excellent) A.M. Best Solvency Rating.

C2) Trustmark will administer the Accident Insurance, Critical Illness Insurance, Universal Life Insurance, and Hospital Indemnity Insurance plans for State active employees. Trustmark’s Voluntary Benefit Solutions will also serve as the third-party administrator (TPA) for all eligibility, payroll, deduction, and remittance file consolidation transactions. This will include consolidation and distribution of all Contractor’s subcontractor carrier files. Trustmark also maintains one online billing consolidation system that contains a record of biweekly/ monthly payroll/pension deductions and remittance for all incoming and outgoing files. And finally, Trustmark provides a staff of highly trained team assigned to the various activities related to the State. This team consists of some of Trustmark’s most talented staff who have several years’ experience. Each area has extensive documentation for the processes and activities specifically related to case. This documentation assures that any staff member changes occur smoothly and seamlessly.

Trustmark continues to invest in their business by continually evaluating and updating Trustmark systems, processes and people. Trustmark works closely with the Contractor, the Plan Sponsor, and policy holders to understand their needs and expectations.

Trustmark’s most recent enhancements have included an on-line customer portal for insureds to access their coverage 24/7. They have also built out on-line claims capabilities which include not only the ability to file and manage claims on-line, they also offer an option for direct deposit of benefit payment to the insureds bank account.

While Trustmark adds these capabilities they have not changed their philosophy of service. Customers can use these enhanced methods of communication, or they Can call customer service.

Trustmark consistently meets or exceeds Contractor’s service benchmarks. With continued investment into their business and capabilities they feel they are well positioned for next century.

Trustmark can provide all activities as described within the Contract as it relates to the specific plans and activities listed in C2.

D. The relationship of the subcontractor to the Bidder.

☐ Used by entire Book of Business address, telephone number of the subcontractor(s).

Metropolitan Life Insurance Company (MetLife) 200 Park Avenue New York, NY 10166-0005 800-638-5433 this subcontractor)

☒ Accidental Death & Dismemberment Insurance

C2) A complete description of the services that will be performed or provided for this specific Contract by the subcontractor, C3) Information concerning subcontractor’s ability to provide the Contract activities.

C1) Metropolitan Life Insurance Company opened for business in 1868. Serving approximately 100 million customers, and operations in nearly 50 countries. As a global company, they hold leading market positions in the U.S., Japan, Latin America, Asia, Europe and the Middle East. MetLife is a marketplace leader with a broad range of employee benefit capabilities and rank competitively in a majority of our group products.

C2) MetLife will be responsible for administering the Supplemental Term Life Insurance, Accidental Death & Dismemberment (AD&D), and Pet Insurance. The MetLife standard ongoing services for Life insurance include the following:

• Administrative Services

− Provide plan documents including the policy and booklet/certificate, enrollment communications and other materials intended for distribution to participants;

− Furnish reports as required by federal and/or state legislation;

− Confer on specific questions, when plan provisions relating to eligibility, effective dates, cessation of coverage and other matters that may affect the administration of the plan;

− Furnish standard enrollment and SOH forms and provide individual medical underwriting evaluating services;

− Process all SOH applications and provide follow up correspondence to the employee regarding the status and the final determination;

− If a medical exam is necessary, provide paramedical exam service;

− Update our administrative systems with customer plan design changes as necessary.

• Financial and Underwriting Services

• Claim Processing Services

− Provide claim forms;

− Determine eligibility for benefits and adjudicate claims;

− Process all appeals;

− Administer claims for continuation of Life insurance for disabled employees and incapacitated children based on plan design;

− Administer the Total Control Account (TCA) Life settlement option;

− Administer the accelerated benefits option (ABO) living benefit feature.

• Marketing and Enrollment Services − Enrollment, operations and services;

− Make available personnel to visit locations as requested by the policyholder.

• Customer Service

− Provide you with customer service via a toll-free number;

− Process and administer conversion applications and portability election forms and conversion applications (if applicable).

Life Recordkeeping Services

Life recordkeeping services offer enhanced enrollment options, and a full assortment of in communicating the value of Life insurance to your employees.

MetLife also offers the following recordkeeping assistance and expertise:

MyBenefits, employees can:

• Designate beneficiaries;

• Look up the toll-free number for our call center;

Statement of Health Processing Employees can and you can monitor decisions. MetLife will:

• Determine the need for a SOH;

• Process SOH forms submitted via paper;

• Communicate SOH status and decisions to employees;

• Answer employee inquiries through our call center.

Beneficiary Designation Processing MetLife will maintain accurate and current beneficiary designations by:

• Receiving, tracking and maintaining all beneficiary designations;

• Delivering confirmation of all entries and changes;

• Handling related inquiries via our toll-free number;

• Offering beneficiary change capabilities via MyBenefits, our employee website, via our toll-free number or by mail;

employee.

• Receiving claim notification directly from

• Verifying current beneficiary information;

• Preparing and sending the claim package to the appropriate…