newsSCOPE
C E B S NEWS L ETTE R
December 2014 | Volume XXXII | Number 3
In th i s i ssu e
CEBS Online Study
CEBS Reflection
Graduate Recognition
2014 Symposium Highlights
Course Corner
Online Study
Resources for You
and Your Employer
What’s New?
Articles in Review
Journey of a
New Graduate
New Graduates
CEBS Information
Published for registrants of the Certified
Employee Benefit Specialist ® program.
CEBS Department | December 2014
SANDRA L. BECKER, CEBS | Director, CEBS/ISCEBS
LINDA S. BIELSKI, CEBS | Director, CEBS Field Services
LAURA J. JESKE, CEBS | Administrator, CEBS Operations
KRISTEN SOBOLEWSKI | Administrator, CEBS/ISCEBS
ERIKA R. TURNER, CEBS | Manager, CEBS Operations
With the exception of official CEBS announcements, the
opinions given in articles are those of the authors.
The International Foundation disclaims responsibility
for views expressed and statements made
in articles published.
Symposium Highlights—
Phoenix 2014
©2014 International Foundation of Employee Benefit Plans, Inc.
ISSN: 0895-9226
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newsSCOPE | December 2014 | 2
CEBS Online We’ll Help You Make the
Best Use of Your Time
Study—
Take a Guided Tour of an Online
Study Class Website
www.cebs.org/tour
Online Class Schedule
Spring 2015
January 19-April 17, 2015
GBA 1 Group Health Plan Design
GBA 2 Group Benefits Management
RPA 1 Retirement Plan Design
CMS 2 Compensation Concepts
and Principles
February 9-May 8, 2015
GBA 3 Health Care: Financing, Quality
and Reform
RPA 2 Retirement Plan Management
RPA 3 Asset Management
CMS 1 Human Resources and
Compensation Management
Summer 2015
May 18-August 14, 2015
GBA 1 Group Health Plan Design
GBA 2 Group Benefits Management
GBA 3 Health Care: Financing, Quality
and Reform
RPA 1 Retirement Plan Design
CMS 1 Human Resources and
Compensation Management
Another round of CEBS online classes
begins soon. If you’re looking for the best
way to help you understand the material
and leverage your time, you should consider a CEBS online study class.
Got questions? Ask away—That’s what
the instructors are there for.
Looking for another way to understand
what you just read? Instructors provide
their own notes and real-world examples of
the material.
Want to test your knowledge? All
courses include sample quizzes and other
interactive games.
Need more info? Classes also provide
supplemental course information with ad-
ditional resources such as current articles
and websites.
Wondering what issues other students
are facing? You’ll find out! Student interaction is one of the top-rated features of online study!
Let our instructors lead you through 13
weeks of learning. All of our online resources are available to you by Internet
24/7, so you have the flexibility to choose
when and where you study.
Enroll in online study today! Join the
hundreds of professionals who choose
CEBS online classes to help keep them on
track in their studies. For more information,
go to: www.ifebp.org/cebsonlinestudyus.
Meet Mark Dunlop GBA 2 Instructor
Mark J. Dunlop, CEBS, AEP, AFC, CFP, ChFC, CLU,
FLMI, REBC, RFC, RHU
Principal, Designed Benefit Incentives, St. Louis, Missouri
Mark is nationally known in the benefits field and has spent
most of his 30-plus-year career in benefits working with installation, funding, communication and administration of employee benefits, financial counseling and investment strategy
design. He founded Designed Benefit Incentives, an entity in- Mark Dunlop, CEBS
volved with the education and communication of employee
benefit plans, and also is part of a program of financial counseling and education for military families.
Mark received his master’s degrees (M.S.M., M.S.F.S.) from the American College in Pennsylvania and his bachelor’s degree with a health and welfare/pension
and actuarial concentration from the College of Insurance (now part of St. John’s
University) in New York. Mark earned the CEBS designation in 1984 and is a past
president of the St. Louis Chapter of the International Society (ISCEBS).
He is very candid that professionally growing in the field would have been harder
if it were not for the knowledge gained from the interactive studies in the CEBS
program. Additionally, he feels the respect given by the industry to those with the
CEBS designation has helped his interaction with peers and clients.
“It’s great to see how interaction occurs on the discussion board of the online
class,” he said. Since each class is comprised of such a diverse group, they all see
things from a different perspective. Not only does this enrich the class, but it also
enhances the student’s ability to gain practical knowledge.”
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CEBS Reflection
Cindy Heine, CEBS
insights into the various ways
that employee benefits packages can be combined for the
advantage of both the employer and the employee.
onestly, the first thing that comes to
The process has also helped
mind when I hear the letters CEBS
me to understand the impact
are those huge binders; endless
that benefits have on our counpractice exams with those challenging
try’s economy and how our
question formats; and the panic that inevicountry’s view of the role of the
tably comes in those late nights before the
employer continues to evolve.
exam. This anxiety is surpassed only by
In short, I have additional
the sheer panic I felt after hitting the subcritical thinking skills when it
mit button and praying feverishly to the New graduate Cindy Heine, CEBS, and her father,
comes to evaluating and createxam gods to be kind. I am fairly certain William Heine, CEBS.
ing employee benefit plans. I
that on one or more exams I passed only
now see a bigger picture that
because I filled out the survey at the end!
I believe allows me to provide
(RPA 2 comes to mind.)
better service to my firm and our clients.
Yes, the CEBS certification process is long. It is hard. It is defiIn short, I have additional critical thinking skills when it comes nitely worthwhile. I would rather be challenged, have my knowlto evaluating and creating employee benefit plans. I now see a big- edge tested and know that I meet the gold standard in the employee
ger picture that I believe allows me to provide better service to my benefits field than simply state my experience. With the CEBS cerfirm and our clients.
tification, I have proved my abilities. My clients deserve nothing
less. As professionals, we have a fiduciary responsibility to our cliWhen I think beyond these initial flashbacks, however, my ents to serve them to the best of our ability. The CEBS process has
certainly allowed me to fulfill this responsibility more completely.
thoughts are a bit different.
After all, anybody can do easy.
This CEBS learning odyssey was long, in-depth and academically rigorous. Studying for the various components allowed me
the opportunity to dive deeply into subjects that I deal with day Special Note: Cindy’s father, William (Bill) Heine, CEBS, attended her
in and day out and subjects that I rarely touch. This process has Conferment Ceremony in Phoenix in September, just as he attended his
allowed me to learn new things, to test my knowledge on items own Conferment Ceremony many years ago. Bill spoke briefly to the new
I think I know well and, perhaps most importantly, to see how graduates, noting the many personal sacrifices it takes to earn the CEBS
all of the various employee benefits fit together. It has given me designation and the pride that comes with putting the CEBS initials after
a sense of history and context to the development of employee your name. He also offered words of encouragement to students and
benefits that I did not have before. It has also provided me with potential students, confirming the rewards are well worth the effort!
President
Associated Benefits Consulting
Baton Rouge, Louisiana
H
SAVE THE DATE
Mark your calendars now and be sure to include the 2015 ISCEBS Symposium as a “must-attend” event! The Hyatt Regency in Vancouver,
British Columbia will host this event, which will be held August 23-26, 2015. New CEBS graduates, as well as new GBA, RPA and CMS
designees, will be honored during the Conferment Ceremony on Sunday, August 23. Look for additional program information in an
upcoming issue of NewsScope.
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Graduate Recognition
Graduates stand to recite the CEBS pledge.
Kandrice Cantwell, CEBS, of Vancouver, British Columbia, shared her
“CEBS journey” while delivering the
special remarks to new graduates.
Celebrating is always a part of “the CEBS journey!”
New graduate and ISCEBS Fellow James
Coryell, CEBS, is congratulated by U.S.
Academic Director Peter Cappelli, Ph.D., and
Canadian Academic Director Ann O’Neill.
“Old” and new CEBS graduates.
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Preparing for the Future:
Trends, Innovations and Navigating Generations
Chris Vogel, CEBS
in ten live at home and 8% bring parents to job interviews. Replacing a Gen Y employee costs an average of $24,000.
“Microsegments are really important (there are more than 35
segments in the workforce). It’s complicated to hit each group.
You have to figure out which ones are most important to you and
which stories and messages are going to resonate to that specific
group. We have to be okay with not peanut buttering something
across an entire population.”
Senior Editor
International Foundation
of Employee Benefit Plans
Brookfield, Wisconsin
The following is based on
Chris Chan’s presentation at
the 2014 Symposium.
Chris Chan
N
ot to give future ISCEBS Symposium speakers ideas, but
rewarding audience members with dark chocolate and red
wine to illustrate points of a presentation can be an especially effective way to engage listeners.
In his job as creative director of health imagination at Towers
Watson in San Francisco, California, Chris Chan follows trends
and innovations in the marketplace. His entertaining—and engaging—presentation, “Preparing for the Future: Trends, Innovations
and Navigating Generations,” was aimed at helping plan sponsors
connect with participants on an emotional level where they begin
to make positive changes around their health.
“We tend to know a lot with our heads around the right things to
do,” Chan said. “A lot of the challenges we face aren’t educational
issues—we know how to eat, how much to exercise, how to take
care of ourselves—but we’re not emotionally engaged. When you
reach people’s hearts, that’s when they really start to take action.”
Chan’s ten things to think about:
1. Four Generations in the Workplace
The world is rapidly changing as Generation Z, which begins to
turn 18 this year, joins 76 million to 79 million baby boomers, 34
million to 40 million members of Generation X and 80 million to 90
million members of Generation Y in the workforce. On the employee
benefits side, some programs will apply to everyone, but some to a
smaller segment of the population.
Each generation has been shaped by different events in history
and has different perspectives on work-life balance, Chan said. He
pointed out the characteristics of each. For example, Gen Y, born
between 1980 and 1995, will make up half of the workforce by
2020. A Gen Y member’s average personal debt is $21,000, three
2. Seven Pillars of Well-Being
From a holistic perspective people need to focus—and some
employee benefits can help—on physical health, mental health, financial health, family health, community health, personal growth/
hobbies and professional health. Accomplishing goals in all seven
is time-consuming and takes planning.
“Think about how to design programs that touch all these different pillars of well-being,” Chan said. “We start to see companies that are doing this” with voluntary benefits, interesting types
of investments and offerings people can choose to pay for themselves, rather than being employee-funded.
3. We Are Highly Irrational Individuals
Designers and marketers take advantage of people’s irrationalities with what Chan termed “hacks,” like pumping the odor
of bacon cheeseburgers into a restaurant and gimmicks like buyten-get-one-free sandwich cards. Plan sponsors can use them to
engage participants. The concept of blissful productivity refers to
the idea that people are happier while working hard at a fun game
than they are relaxing. Another hack is “gifting”: People are more
inclined to do something for someone who gives them a gift, feeling the need to reciprocate.
“Isn’t this manipulative?” Chan asked. “It totally is. You have
to realize we are constantly being manipulated by the world around
us.”
4. Create an Experience That Employees Will Love
Laughter, dark chocolate and red wine elicit positive chemical
responses in people’s brains. Chan used all three during his presentation to show “gamification in real time.” The audience quickly
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figured out that they needed to take an action to receive a reward.
Even though only a few people received a specific reward, “a little
bit of everyone feels like they won, or at least feels like they had
fun watching that type of interaction. And that’s what we should
strive for. What we see is, people make a ton of excuses for why
they don’t do things: I don’t have time, it costs too much, I don’t
have enough information . . . but we carve out time for things that
delight.”
Chan used the insurance process as an example. “We’ve dehumanized the insurance experience because it’s about approvals and
what’s covered, the plans and the rules—It’s all the stuff that we
hate. And we’re asking people to do it. How about injecting some
humanity back into the process? We see lots of companies being
successful at implementing these ideas on the consumer space, and
so it’s time for health care to take note.”
5. Create an Experience That (Some) People Will Hate
“If you create peanut butter and vanilla experiences, you’re not
going to engage anyone, or you’re going to engage the group that
always engages,” Chan said. Zombie runs and mud runs don’t appeal to him, “but some people love this stuff. So, how do you segment your population and create experiences that they will love?
And you have to be okay with not everyone loving it.”
6. Think About Ways to Hack Health
People who sit more than six hours per day are 40% likelier
to die within 15 years than someone who sits less than three—so
“sitting is the new smoking.” Employers could make it easier for
people to sit less.
And “stress is the new fat.” Chan said University of Wisconsin
researchers studied stress and mortality and found that people with
the highest stress were likelier to die sooner. But when they also
asked highly stressed people whether stress affected their health,
they found those who thought it didn’t affect health lived longer
than people with low stress. “You’re going to see a lot more stuff
about resiliency and stress, disconnection and allowing us to focus
on being mindful.”
“We know in our head what the right things to do are. But,
how do we get people to do the right things for the wrong reasons?” Chan asked. For example, people brush their teeth more
than they floss, most likely because they enjoy the cool minty
sensation achieved from brushing. They’re brushing because
of mint, not to clean their teeth—hence, doing the right thing
for the wrong reason. Chris showed off a jump rope that could
charge your cell phone; you get exercise, but you’re really more
interested in charging your phone. He also had a dumbbell alarm
newsSCOPE | December 2014 | 6
clock—30 reps with a dumbbell will turn off the alarm. You get
exercise but, again, you’re more interested in turning off the annoying sound.
Stress, sitting, tricking our brain to do the right things for the
wrong reasons—These are all things that we need to think about
hacking in order to change health behaviors.
7. Gamification
Although making something a game can be effective, it doesn’t
magically make people happy—It has to be done in the right way.
For example, the brain chemical dopamine can be fired in anticipation of getting a reward. But once people get the reward, dopamine
turns off. Chan suggested adding randomness to the gamification
concept. “If I don’t know when I’ll get the reward, dopamine
spikes twice as high,” he said.
8. Social Networks Create Picket Fences
People present the best version of themselves on social networks, and health care companies are starting to think about
this—making activities social and interactive. If people are
asked to take a photo of their food and post it on Facebook, “I
eat healthier food because that’s what I want my friends and family to see.” But “the pressure to do the right thing will encourage
us to lie, or disengage.” Although friends influence our health,
strangers can as well. Chan cited a diabetes management program
with a social network support group that has been equally as effective as personal counseling. Tying pop culture into health can
also help engage people.
9. Devices
Wearable fitness trackers have proliferated, and “the look and
feel of these are improving.” Trackers and other devices develop
a personalized experience for people, and the devices do work—if
people remember to use them. Chan talked a little about his own
16 different wearable trackers, noting that although in some cases
the data they deliver is interesting, “I don’t know what to do with
it necessarily.” He thinks it’s fantastic that many health care companies are experimenting with devices.
10. Creating an Ecosystem
All these new apps, devices and programs are being marketed
and sold directly to consumers. “How are we going to build an
ecosystem that connects these new services to our health plans
and nurse line and coaching and all this traditional stuff we of< previous
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fer? . . . It’s really an ego system: What’s in it for me? How does
this make me feel better about myself?”
Chan noted the idea of a Klout score, which measures who the
biggest influencers over social media are. “Could you design a
system where my health score and how engaged I am gets me a
free massage when I’m pregnant” or allows someone to get faster
service at the drug store? Chan suggested that employees might be
convinced to give up some concerns over privacy in exchange for
paying less for health care.
newsSCOPE | December 2014 | 7
He said that next year’s “Ten Things to Think About” might
include crowdfunding, personalized medicine, augmented reality
(Google Glass, Gravity Jack), a sharing economy (hospital device
sharing, Airbnb for health care?), holistic health (mindfulness, resiliency, Eastern vs. Western perspectives), the sandwich generation, and using 3-D printing to make things like prosthetics, hearing aids and organ replacements.
“The future is exciting . . . and the future is scary.”
Diary of a Plan Auditor: Dreams and Nightmares
Crystal Ekanayake, CEBS
Audit Partner
Gallina, LLP
Sacramento, California
This article is based upon the author’s
recent presentation at the 2014
Symposium.
Crystal Ekanayake, CEBS
When the majority of plan sponsors are asked how they feel
about their annual retirement plan audit, they cringe. Going through
the audit process, pulling all the documents and files, explaining
changes in payroll processing, teaching the auditors the ins and outs
of the plan (again this year since the auditors who came last year
were a different bunch) and then waiting for a long period of time to
get the audit back so that Form 5500 can be filed with the Department of Labor is not something most plan sponsors look forward to
every year. This presentation’s purpose is to bridge the gap in terms
of the perception of the auditors and the benefits that can be derived
by working together and to illustrate through three case studies both
the “dream” and “nightmare” auditor clients and, most importantly,
the traits and activities of “best-in-class” plan sponsors.
On the surface, it might not sound appealing to befriend the
plan auditor, but there are some benefits that can be derived from a
partnership arrangement as opposed to an adversarial (sometimes
called a “necessary evil”) relationship. Plan auditors are in a unique
position to help plan sponsors understand the interrelationships
among the various service providers. They interact with all the service providers during the audit engagement and are required to
develop a rich understanding of each service provider’s role in pro-
cessing plan transactions and to look for areas in which something
might slip through the cracks.
Auditors see many different plans across their client base and can
likely share best practices that work well for other clients. They also
can be advocates for plan sponsors with the Department of Labor
(DOL) and Internal Revenue Service (IRS). They are typically willing to participate in vendor searches and provide another level of
insight and perspective to the request-for-proposal process. In summary, we are not just auditors. We are consultants. We share stories
and best practices, and we share our relationships with top-notch
service providers. We educate newly hired personnel about the plan,
the audit process and how to review documents and reports. We are
a sounding board for plan changes the plan sponsor is considering.
We also provide peace of mind to plan sponsor personnel responsible for the operation of the plan. Companies not getting at least a
few of these benefits from their relationship with the plan auditor
may want to consider changing audit firms to make sure they receive the most value for the dollars spent on the annual plan audit.
The following three case studies illustrate the “dos and don’ts” of
interacting with plan auditors along with a listing of what best-inclass plan sponsors are doing with their plans.
Case Study No. 1
ABC Company is a brand-new client and eager to get the annual independent audit “over with” so the company can focus on
more important business matters. The auditors request copies of
the plan documents, summary plan description and contracts with
all plan service providers to familiarize themselves with the plan
and design the audit procedures. The auditors also request an overview of how the plan operates and a list of ABC Company personnel involved in processing plan transactions.
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The dream audit client quickly locates signed copies of all plan
documents, including amendments and restatements, and provides
documentation for internal processes related to the plan, which
were recently updated. The client identifies company personnel involved in plan transactions and provides a schedule of plan committee meetings and related minutes, current copies of service provider agreements along with updated fee schedules and a
comprehensive listing of all parties in interest for the plan.
The nightmare audit client instead provides a binder of documents received back when the plan was originally set up (none of
them are signed) and forgets that the plan assets were transferred to
a new custodian during the plan year. The client directs the auditor
to the third-party administrator for plan document information,
cannot recall the name of the investment advisor for the plan and
describes the documentation for plan processes as “tribal knowledge.” Most company personnel involved in handling plan transactions understand only their part of the steps and not the big picture.
Best-in-class sponsors:
• Know their plan inside and out
• Read the plan document and amendments
• Maintain updated service provider agreements
• Document internal processes over plan transactions
• Maintain a listing of personnel involved in transactions and
parties in interest
• Conduct regular plan meetings
• Take ownership of their plan.
Case Study No. 2
XYZ Company is a long-term client, and the plan is handled by
a human resources staff that routinely admits it is “horrible at anything involving numbers.” Until recently, the company has used the
same custodian and third-party administrator. With increased
pressure from management to fully understand plan operations
(stemming from comments made by the plan auditor at the conclusion of last year’s audit), the human resources manager decided
to outsource nearly all plan operations to a new payroll service
provider and add a new provider for autorollovers.
The dream audit client understands the roles and responsibilities
of each respective service provider and determines the exact point of
delegation to the service provider to ensure all gaps are covered. The
client performs routine checks on plan transactions for accuracy,
monitors service provider performance on a regular basis, reviews
the SSAE16 (SOC1) reports from each service provider annually
and exercises prudence when adding or changing service providers.
The nightmare audit client instead overly relies on outside service
providers, outsources responsibility for plan transactions whenever
possible and fails to monitor plan service providers against the standards outlined in their written service agreements. The client has no
newsSCOPE | December 2014 | 8
idea what an SSAE16 report is or why it is important to the plan, is easily sold additional services by providers without careful analysis of the
impact to the plan overall and refuses to take ownership over the plan.
Best-in-class sponsors:
• Understand the scope of work of service providers
• Review service provider SSAE16 (SOC1) reports
• Regularly spot-check transactions handled by third parties
• Review fees charged by service providers against their respective agreements
• Carefully/cautiously add or replace service providers
• Understand that delegation does not remove responsibility.
Case Study No. 3
XYZ Company is a current client that has sponsored a defined
contribution plan for many years. While company management enjoys the tax deductions associated with offering a qualified plan,
management often makes decisions “on the fly” without contemplating whether such decisions are allowable under the Employee
Retirement Income Security Act (ERISA). For example, hardship
distributions are approved by the company owner, who meets with
the employees privately and decides whether they “deserve” the
hardship distribution. The chief financial officer also routinely requests changes to the plan based upon a single participant’s request.
The dream audit client realizes the importance of maintaining taxqualified status and stays up to date on rules and regulations affecting
qualified plans. The client has regular contact with service providers
about changes in company operations, recognizes that mistakes happen and brings forward such items for correction, uses available correction programs through DOL and IRS and discusses preventive
measures to mitigate future occurrences.
The nightmare audit client instead believes it exercises significant discretion over its plan, fails to consider or follow DOL and
IRS regulations and attempts to change the plan every time an employee request is made. The client thinks it can negotiate with DOL
and IRS after the fact and fails to properly correct errors in a timely
manner or to consider the cost of plan disqualification when evaluating whether to take corrective action.
Best-in-class plan sponsors:
• Place importance on maintaining the plan’s tax-qualified status
• Work in partnership with all plan service providers
• Stay updated on new rules and regulations
• Establish processes to detect/mitigate against plan errors
• Quickly and thoroughly correct any detected plan errors
• Carefully consider modifications to the plan (not reactive to
employee requests).
So now that you have a better understanding of how to be a
dream client for your plan auditor and how to get the most out of
your relationship, I wish you all success for your 2015 plan audits.
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newsSCOPE | December 2014 | 9
Increasing Regulatory Scrutiny for IRA Rollovers
Steven Grieb, CEBS
Vice President and
Senior Counsel
BMO Harris Bank N.A.
Milwaukee, Wisconsin
This article is based on the author’s
presentation at the 2014 Symposium.
I
Steven Grieb, CEBS
n the United States today, more than $6 trillion is invested in
individual retirement accounts (IRAs). Participants in qualified retirement plans are rolling hundreds of billions of dollars into IRAs each year. Multiple federal regulators, including
the Department of Labor (DOL), Internal Revenue Service, Securities and Exchange Commission, Financial Industry Regulatory Authority and the Government Accountability Office
(GAO), have recently expressed concerns about the trend. Specifically, regulators are concerned that plan participants are rolling those funds into IRAs not because it is in the best interest of
that individual investor, but because it’s in the best interest of the
service provider recommending the IRA. To put this into the
context of the Employee Retirement Income Security Act
(ERISA), DOL officials are worried that plan participants may
think they are having a discussion with a fiduciary about what to
do with their retirement plan account when they’re actually talking to a salesperson.
As part of a 2013 study, GAO representatives went undercover and called multiple service providers claiming to be plan
participants who had terminated employment. The undercover
representatives asked service providers what they should do
with their retirement accounts. Responses revealed a systemic
bias in favor of rollovers to IRAs. The implication is that the
bias exists not because it serves the interest of plan participants, but because it serves the interests of those who are selling IRA products.
Plan sponsors need to understand that ERISA fiduciary duties
will apply to the selection of any service provider, regardless of
whether that service provider is being hired in a fiduciary capacity. Additionally, ERISA fiduciary duties apply to the ongoing
monitoring and oversight of those service providers. Plan administrators have a fiduciary duty to make sure that the informa-
tion being provided to plan participants by service providers is
well-balanced and informs participants of all their options when
eligible for a distribution from a qualified plan. Fiduciaries need
to avoid communications to participants that have a bias in favor of rolling assets into an IRA and against other distribution
options. Plan administrators also should be on the lookout for
service providers that use communications that suggest a rollover to an IRA is the only option—or only rational option—that
terminated participants have.
Communication materials to plan participants should clearly
lay out the options typically available when the participant is
eligible for a distribution. Specifically, the participant’s options
include:
• Leaving the account in the current qualified retirement
plan
• Rolling the account into the individual’s new employer’s
plan
• Rolling the account into an IRA
• Taking a cash or in-kind distribution.
Which is the best alternative? There’s no one-size-fits-all answer. The best choice is going to differ from one plan participant
to the next. Factors that will affect that decision include:
• Tax implications, including a potential 10% tax on direct
distributions prior to age 59½
• Investment alternatives and flexibility in each alternative
• Fees and expenses of each alternative
• Services being provided with the different investment vehicles, including compliance with applicable laws
• The convenience of consolidating investments into as few
locations as possible
• Protection from creditors
• Whether required minimum distributions can be deferred
in some alternatives
• Tax treatment of any employer stock held in the account.
While tax treatment of each alternative will always be a concern, the significance of each of these factors may differ from
one investor to another. From a fiduciary perspective, plan administrators should ensure that their service providers are giving
terminated plan participants all of their options and are willing
to have nuanced discussions about the right choice for that participant as an individual.
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ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 10
Connecting the Best—ISCEBS
Where can you find a group of the best and brightest benefits professionals in the industry touching more than
25 million lives in North America? The International Society of Certified Employee Benefit Specialists.
The International Society has served our members for more than 30 years. We offer benefits to help members be more efficient, shape
the industry and remain competitive. As a CEBS student, you’re eligible to join the Society and your local chapter.
•
•
•
•
hy belong? Join 4,000 CEBS graduates and students providing you unmatched access to industry expertise.
W
Local chapters—Build your professional network through ISCEBS local chapters across North America.
Information Center—Expand your research capability with the thousands of benefits resources available to members.
Symposium—Maximize educational opportunities with 2½ days of top-rated industry education designed for you. The 2015
Symposium will be in Vancouver, British Columbia August 23-26.
• Additional resources—Leverage offerings from the International Foundation including books, e-books, webcasts, e-learning,
live-streamed conference sessions, ACA University and more at a special member rate.
• Member directory—Exclusive listing of Society members provides access to a national network of benefits and compensation professionals.
Connect with the best in the benefits industry. Join ISCEBS today!
www.iscebs.org/join
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This page summarizes upcoming and recent CEBS course revisions. If you are planning to
take the exam for any of the courses listed below, please make sure you have the correct study
materials for your intended testing quarter. Questions regarding study materials or revisions
can be directed to CEBS customer service at cebs@ifebp.org.
Readings Update: Required Reading for RPA 4
The American Taxpayer Relief Act of 2012 was adopted by Congress on January 1, 2013 to
address key elements of the so-called fiscal cliff. The act contained a variety of tax-related provisions. The CEBS program has issued an update entitled “Highlights of the American Taxpayer Relief Act.” This update is applicable to RPA 4 and is subject to inclusion on the CEBS
examination for RPA 4.
To view the update on our website, click here.
Upcoming Course Revisions—2015
Course
Corner
Revision
Course
Effective
Current Study Materials
Valid Through
CMS 3—Executive
Compensation
2nd Quarter 2015
April 1, 2015
March 31, 2015
RPA 3—Asset Management
4th Quarter 2015September 30, 2015
October 1, 2015
New Study
Materials
Available
February 2015
August 2015
(tentative)
Recent Course Revisions—2014
Course
Revision Effective
CMS 2—Compensation
October 1, 2014
Concepts and Principles
New Study Materials
Learning Guide, 2nd edition
Compensation, 11th edition,
by Milkovich, Newman and
Gerhart. McGraw-Hill, 2014.
GBA 3—Health Care: October 1, 2014
Learning Guide, 3rd edition
Financing, Quality and Reform Health Insurance, 2nd edition,
by Michael Morrisey.
Health Administration
Press, 2014.
Course Assignments
1. C
ompensation
Management: A Strategic
Approach and Analytical
Framework
2. Establishing Internal
Alignment
3. J ob Analysis—Critical
First Step in Job-Based
Pay Systems
4. J ob Evaluation: Measuring
Content, Value and External Market Links
5. P
erson-Based Pay
Systems
6. A
ttracting and Retaining
Talent
7. D
esigning Pay Levels,
Mix and Pay Structures
8. R
ewarding Talent: Pay
for Performance
9. A
ligning Strategy, Talent
and Rewards: Pay-forPerformance Plans
10. Employee Benefits: Key
Feature of Total Rewards
11. Rewards in a Global
Marketplace
12. Managing the Compensation Process
1. Strategic Plan Design
Amidst an Evolving
Environment
2. Underwriting and Rate
Making
3. Application of Risk
Adjustment
4. Effect of Selective
Contracting
5. Premium Price
Sensitivity and Out-ofNetwork Benefits
6. Measuring and Improving
Quality of Care
7. Quality Improvement
and Cost Reduction
Through Accreditation
8. Innovation and Challenge
of the Patient-Centered
Medical Home Model
9. Health Insurance
Exchanges
10. Small Group Market
11. Overview of Medicare
12. Retiree Coverage
Course Corrections
If you are studying GBA 1, GBA 2 or RPA 4, please click here for important updates to the course’s content. All updates and corrections
are required reading for the national exam.
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Resources
For You and Your Employer
Health Insurance Answer Book, 12th Edition,
by John C. Garner, CEBS
This book contains succinct and authoritative answers to an extremely broad range of health insurance topics—plan design, funding, federal and state regulation, cost management, quality assurance, communication and much more. Also addressed are related
topics such as dental insurance, vision coverage, mental health
treatment, Medicare, employee assistance programs and wellness.
Case law citations and examples are provided in straightforward
language that avoids technical jargon. Modifications have been
made throughout the book to reflect changes resulting from the 2010 health care reform.
Appendixes contain several model COBRA notices and a sample QMCSO procedure.
In this edition:
• Updates on health care reform
• Impact of the Supreme Court’s decisions on same sex-marriage
• Recent HIPAA regulations
• Latest regulations governing wellness programs
• Results from the most recent survey of plan design and plan costs.
(2015) Aspen/Wolters Kluwer, Item #9020, $385 (I.F./ISCEBS Members: $375)
www.ifebp.org/books.asp?9020
Industry thought leaders share their insights from International Foundation sessions they spoke at. Learn about topical issues and key takeaways from these brief
videos.
Over 60 sessions from topical areas of
administration, ACA, communication, fiduciary responsibility, health and wellness,
investments and public plans are highlighted.
Jobs in Benefits
Whether you’re looking for a new employee or a career change, JobsInBenefits
.com will help you find the right fit.
For job seekers: Post a resumé for free,
post a job and receive jobs via e-mail.
For employers: Post jobs, view resumés
and view job listings.
For this and other publications, please visit the International Foundation Bookstore at
www.ifebp.org/bookstore.
Health Care Reform (E-Learning Course)
Need a quick tutorial on health care reform? The latest health care reform information is extensively covered in this course.
Topics include:
• The changes required in 2014
• Impact of health care reform on employers and employees
• The penalties for employers not offering
health insurance
• How subsidies are calculated
• Role of insurance exchanges
• Plan design implications
• The impact to various sectors in the
economy
• Cancellation policy.
Click here for more information and to register.
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A Retirement Income Culture
What’s New?
Trends and Innovations in
Employee Benefits
2014 Health and Voluntary
Workplace Benefits Survey: Most
Workers Continue to Be Satisfied
With Their Own Health Plan, but
Growing Number Give Low Ratings
to Health Care System
Nearly 30% of employees consider the U.S.
health care system as poor and another
32% as fair. Just one in four feels the system
is good. Most dissatisfaction arises from
costs. The percentage rating the system as
poor rose from 14% to 32% between 1998
and 2006, with the percentage falling
slightly from 2006 to 2013 and jumping to
29% in 2014. Almost six in ten report
higher costs in 2014, prompting changes in
how they use the health care system. In
contrast, workers had generally favorable
assessments of their own health plans, with
half very or extremely satisfied. Nearly half
are very or extremely confident they can
get needed treatments presently, but just
three in ten expect the same to be true in
2024. The results come from a Health and
Voluntary Workplace Benefits Survey by the
Employee Benefits Research Institute and
Greenwald & Associates.
Paul Fronstin | EBRI Notes
September 2014 | pp. 12-19 | 0165971
Compensation Surveys:
The Good, the Bad and the Ugly
Traditionally compensation management
was focused on pay equity within an organization. The ready availability of market
data since the 1990s has shifted that focus
toward survey data from external sources.
Abundant data is now available through
large published surveys, regular niche surveys, custom and magazine sources, selfreports and data repackagers. However, the
validity of this data is questionable because
of the small size of data sets. Few companies participate in the surveys, and the data
set may not reflect the market, segment or
geographic area of interest. Data quality
can be undermined by self-reporting, lack
of comparable career development ladders
and unknowns in repackaged data. Recognizing the value of compensation surveys,
stakeholders and industry associations
should urge better participation, commitment to survey use and limited access by
survey nonparticipants.
Judy Canavan
Compensation and Benefits Review
March 2014 | pp. 74-79 | 0165979
For free copies of the full articles, members can call the Bookstore at (888) 334-3327, option 4,
or e-mail bookstore@ifebp.org.
For more information on the CEBS program, visit www.ifebp.org/cebs.
Results of a 2014 MetLife survey indicate a
retirement income culture is taking hold at
Fortune 1000 companies, emphasizing practices that link savings to later income. The
connection is made through communications, plan design and employer goals for
benefits. Over half of defined contribution
(DC) plan sponsors communicate to members about the effect of longevity and the
value of setting target retirement income levels, and they reinforce the message throughout participants’ membership in the plan.
Over a third talk about coordinating with Social Security benefits. The focus in communications is on the outcome, not simply saving.
Traditional targets such as the importance of
participation and adequate deferral rates continue. The survey also found only 8% of DC
plans include lifetime annuity options, but
70% have taken steps in that direction.
Rebecca Moore | PLANSPONSOR
August 2014 | p. 21 | 0165895
State of Retirement:
Legislators Mull Retiree Fund
With about half of American workers lacking access to a retirement plan through their
jobs, several states are looking at starting retirement plans for private workers. The National Conference of State Legislatures reports six states considered the issue in 2014,
with Massachusetts and California closest to
establishing plans. The National Conference
on Public Employee Retirement Systems devised a model portable defined benefit cash
balance plan for individual workers. California’s individual retirement account plan is
under feasibility and market studies as of
mid-2014, and Oregon is looking at the idea
for the many small business employees
without access to a plan. A Connecticut task
force studying the concept ran into significant opposition from business owners. With
needs differing state by state, a generic federal model is not seen as the best solution.
Patty Kujawa | Workforce
August 2014 | p. 18 | 0165839
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Articles in Review
How Much You Really Need to Retire
The Rise of Self-Insurance and Other 2014 Trends
The many dire reports suggesting Americans heading toward retirement are not saving enough may be overstating the situation
by omitting important information. A report from the Social Security Advisory Board and Towers Watson indicates considering
factors outside of employer-based retirement plans can dramatically revise estimates. Though about one in five may not have sufficient resources, others should consider the effects of changing
lifestyles, catch-up contributions, home equity and other assets.
Retirement planning should aim to replace 70-85% of preretirement earnings. However, since the highest spending years may be
in the past, a 60% replacement rate may suffice, depending on individual circumstances. Calculations should be based on current
and ongoing expenses, health costs, inflation and taxes, balanced
against total income sources, and should evaluate the optimal
withdrawal rate.
Jane Bennett Clark | Kiplinger’s Personal Finance
October 2014 | pp. 44-50 | 0165898
Among the many health care system changes the year 2014 brings
that are important to employers is consideration of self-funding
benefits. With self-insurance, employers can see greater flexibility
and lower cost than commercial insurance, ability to tailor plans to
the needs of the workforce, improved cash flow and avoidance of
state taxes and certain federal fees. Self-funding benefits is increasingly accessible and practical for midsize and smaller employers,
though the Commonwealth Fund finds that a shift by smaller companies is likely to leave those with higher health costs in insured
groups, pushing premiums higher and promoting a further move
toward self-funding as a result. Surveys by McKinsey & Co., Deloitte and Towers Watson collectively indicate reductions in employer sponsorship of traditional health insurance after 2014, with
92% of employers likely to change insurance options by 2018 in
advance of the surcharge on high-cost plans. A substantial move to
individual coverage through public exchanges would likely limit
access to preferred care providers.
Joseph Berardo Jr. | Employee Benefit Plan Review
September 2014 | pp. 12-14 | 0165949
The Strategic Value of Retirement Benefits:
A Global Focus
Analysis of responses to Towers Watson’s 2013-2014 Global Benefit
Attitudes Survey shows workers in most of the 12 countries studied
save for retirement primarily through employer plans and are reasonably satisfied with their benefits. Benefits have strong attraction
value in developing countries. A gap emerges, however, when considering whether the plans meet participants’ needs. Those who
feel plans meet their needs express loyalty to their employer, evidence of benefits’ strategic value for retention. The effect is significantly stronger for defined benefit plans over defined contribution
plans. Respondents are concerned about benefit cutbacks, and
many would choose higher or more secure retirement benefits over
higher pay.
Jonathan Gardner and Steve Nyce | Towers Watson Insider
August 2014 | pp. 1-8 | 0165908
Does the Health Plan Fiduciary
Truly Understand Patient Rights?
The common questions about fiduciary status skirt the primary requirement to protect plan members’ interests. All considerations
about the plan should be filtered through that key concept, and
decisions should be based on controlling costs. Participants and
beneficiaries may question sponsors’ prudence with plan assets if
exorbitant claims are not analyzed and contested, resulting in
higher participant costs. If network discounts cannot be negotiated
downward, then other options should be considered. Plan documents should specify that the plan has the right to audit claims and
challenge and renegotiate high bills.
Adam Russo | Employer’s Guide to Self-Insuring Health Benefits
August 2014 | pp. 1, 12-13 | 0165850
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CEBS Graduates
May through October 2014
ALASKA
Kristell A. Kaliher, CEBS
Human Resources Generalist
Chugach Alaska
Anchorage, AK
Emily L. Smith, CEBS
Benefits Supervisor
Olgoonik Development
Anchorage, AK
ARIZONA
Andrew C. Apostol, CEBS
Managing Director Client Service
INVESCO
Scottsdale, AZ
Lillian H. Kwang, CEBS
Senior Benefit Analyst
Towers Watson
San Francisco, CA
Lauren D. Shevlin, CEBS
Consultant
Mercer
Norwalk, CT
Michael P. McCarthy, CEBS
Principal
Mercer Consumer
Chicago, IL
Leslie N. Radcliffe, CEBS
Consultant
Milliman Inc.
San Francisco, CA
DISTRICT OF COLUMBIA
Poongodi Ranganathan, CEBS
Benefits Operations Manager
Aon Hewitt
Lincolnshire, IL
Gary Smith, CEBS
South Pasadena, CA
Kathy A. Webb, CEBS
Retirement Benefits Specialist
LACERA
Pasadena, CA
Teresa A. Babcock, CEBS
Chino Hills, CA
Valerie R. Weekly, CEBS
Pension and Retiree Services
Administrator
Sacramento Regional Transit District
Sacramento, CA
Michael E. Baron, CEBS
Senior Investigator
U.S. Department of Labor EBSA
Pasadena, CA
Wayne J. Willard, CEBS
Assistant Director Human Resources
County of Orange
Santa Ana, CA
Edward G. Bohm, CEBS
Pension Department Manager
Directors Guild of America
Producer Pension & Health Plans
Los Angeles, CA
Randall Chuck Woo, CEBS
Senior Analyst
Equity Risk Partners
San Francisco, CA
CALIFORNIA
Daniel J. Bushore, CEBS
Benefits Analyst
Directors Guild of America
Producer Pension & Health Plans
Los Angeles, CA
Margaret C. Camarena, CEBS
Pension Analyst
Towers Watson
Irvine, CA
Natasha L. Davidson, CEBS
Consultant Retirement Plans
PARS Phase II Systems
Newport Beach, CA
Lesley White, CEBS
Retirement Benefits and
Compensation Advisor
AARP
Washington, DC
FLORIDA
Jennifer Armwood, CEBS
Executive Compensation Leaders
Florida Power & Light
Juno Beach, FL
Mary F. Barkley, CEBS
Orlando, FL
Stephen W. Hall, CEBS
Senior Benefit Consultant
Alltrust Insurance
Lakewood Ranch, FL
Sharla D. Gonzales, CEBS
Benefits Account Executive
Moody Insurance Agency
Denver, CO
Michelle L. Siemer, CEBS
Senior Manager U.S. Benefit Plans
Brambles HQ
Orlando, FL
Tiffany Gordon, CEBS
Colorado Springs, CO
GEORGIA
Julia M. Martin, CEBS
Benefits Manager
MagMutual Insurance Company
Atlanta, GA
Lauren P. Fowler, CEBS
Senior Sales Representative
Assurant Employee Benefits
Sacramento, CA
Lisa S. Arneth, CEBS
System Compensation Consultant
Yale-New Haven Hospital
New Haven, CT
Kim L. Sauls, CEBS
Compensation Consultant
AFLAC
Columbus, GA
Karen L. Hallsman, CEBS
Director Benefits & Compensation
TelePacific Communications
Los Angeles, CA
Kelly Flaherty, CEBS
Stratford, CT
ILLINOIS
Joshua J. Hoover, CEBS
Midwest Regional Sales Manager
Epic Hearing Healthcare
Pomona, CA
Carmen J. Coletta, CEBS
Director Compensation & Benefits
Meredith Corporation
Des Moines, IA
Cherie Mooney, CEBS
Sarasota, FL
Barrett R. Nolen, CEBS
Atlanta, GA
Thomas C. Ito, CEBS
Aon Hewitt
Norwalk, CT
Mary C. Legg, CEBS
Education Services Consultant
Fiduciary Investment Advisors LLC
Windsor, CT
Gina M. Mortimer, CEBS
Senior Benefits Analyst
MMA
Milford, CT
Connect with us
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and updates, apply for courses
Margaret A. Cooke, CEBS
Naperville, IL
Edward T. Gasser, CEBS
Director
CNO Financial Group LLC
Carmel, IN
IOWA
COLORADO
Toni J. Sorenson, CEBS
Benefits Manager
AlloSource
Centennial, CO
INDIANA
Melissa M. Riggs, CEBS
Compensation Payroll & Benefits
Analyst
Hoosier Energy
Bloomington, IN
Theresa M. Conley, CEBS
Senior Consultant
Siver
St. Petersburg, FL
CONNECTICUT
Pauline A. Hann, CEBS
Benefits Manager
Carpenter Funds
Administrative Office
Oakland, CA
Karen Walters, CEBS
Senior Director Compensation
USG Corporation
Chicago, IL
Lucas M. Duenser, CEBS
Employee Benefits Sales Executive
Cottingham & Butler Inc.
Dubuque, IA
Mary J. Johnson, CEBS
Account Executive
LMC Insurance
West Des Moines, IA
KENTUCKY
Saundra Uligian, CEBS
Accounting Manager
UFCW & Employers Mid-America
Plan Services
Louisville, KY
LOUISIANA
Kristen T. Pertuit, CEBS
Benefits Manager
Bollinger Shipyards Inc.
Lockport, LA
James L. Coryell, CEBS
Consultant
CPM
Oak Brook, IL
Natalie L. Kusek, CEBS
Human Resources Manager
Southwire
Waukegan, IL
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ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 16
MARYLAND
Alison N. Brown, CEBS
Human Resources Manager
HealthCare Access Maryland
Rosedale, MD
Walisa M. Evans, CEBS
Wellness Manager
City of Baltimore
Baltimore, MD
Carole Maggio, CEBS
Administrator
Decision Science Inc.
Baltimore, MD
Susan A. Palfi, CEBS
Communication & Compliance
Foster Soltoff & Love Ltd.
Bethesda, MD
Layla A. Shields, CEBS
Client Executive
RCM&D
Baltimore, MD
MASSACHUSETTS
Juan Daniel DaCosta, CEBS
Senior Consultant
Risk Strategies Company
Boston, MA
Kate A. O’Sullivan, CEBS
Senior Client Service Manager
William Gallagher Associates
Boston, MA
Marie A. Panek, CEBS
Reading, MA
MICHIGAN
Cheryl J. Baker, CEBS
Benefits Specialist
Western Michigan University School
of Medicine
Kalamazoo, MI
Pamela Coronado-Capstick, CEBS
Benefits Administration Specialist
University of Michigan
Ann Arbor, MI
Diane M. Damuth, CEBS
Human Resources Generalist
Kent District Library
Comstock Park, MI
Wendy J. Hill, CEBS
Benefits Manager
Whirlpool Corporation
Benton Harbor, MI
Kevin D. Reetz, CEBS
Director Compensation Retirement
Plans HRIS & HR Finance
Beaumont Health System
Southfield, MI
MINNESOTA
Jeffery J. Baldeshwiler, CEBS
Human Resources Manager
Edward Kraemer & Sons
Burnsville, MN
Sarah Hartneck, CEBS
Benefits Consultant
Associated Financial Group
Minnetonka, MN
Cheri Madigan-Lubega, CEBS
Senior Benefits Analyst
Park Nicollet Health Services
St. Louis Park, MN
Nicholas Post, CEBS
Customer Service Representative
Towers Watson
Minneapolis, MN
Patrick D. Stephan, CEBS
Xcel Energy
Minneapolis, MN
Robert L. Wilson, CEBS
Assistant Executive Secretary
Member Services
Missouri Lagers
Jefferson City, MO
MISSOURI
Annaelyse K. Cordes, CEBS
Senior Benefits Analyst
Lockton Companies
Kansas City, MO
Wendy M. Dayton, CEBS
Operations Manager
Lockton Companies
Kansas City, MO
Cynthia M. Dominique, CEBS
Sales and Retention Executive
Anthem Blue Cross Blue Shield
of Missouri
Springfield, MO
Michelle Jantsch, CEBS
Account Administrator
Lockton Companies
Kansas City, MO
Ryan T. O’Leary, CEBS
Producer
Lockton Companies
Kansas City, MO
Clare A. Verplank, CEBS
Benefits Consultant
Wells Fargo Bank
Minneapolis, MN
MONTANA
Brian F. Walsh, CEBS
Benefits Analyst
Northwestern Energy
Butte, MT
NEBRASKA
Mark J. Ellinger, CEBS
Director Compensation & Benefits
HDR Inc.
Omaha, NE
NEVADA
Kimberly A. Nagle, CEBS
Las Vegas, NV
NEW HAMPSHIRE
Karen M. Conboy, CEBS
Lebanon, NH
Joseph R. Skees, CEBS
Managing Partner
Regional Principal
Granite Bay Wealth Management
Portsmouth, NH
NEW JERSEY
Christin A. Haywood, CEBS
Human Resource Manager
Abundant Life Christian Center
East Syracuse, NY
Barry U. Idiong, CEBS
Benefits Analyst
Fujifilm Holdings
America Corporation
Valhalla, NY
Heidi L. Kauz, CEBS
Client Service Manager
Fidelity Investments
Massapequa Park, NY
Cathy M. Beauchesne, CEBS
Manager Health and Welfare
Financials and Compliance
Tyco International
Princeton, NJ
Robert J. Klee, CEBS
New York, NY
Susan R. Bleiberg, CEBS
Associate Consultant
Conner Strong
Marlton, NJ
Susan L. Knox, CEBS
Manager Compensation & Benefits
Raymond Corporation
Greene, NY
Oxana Cherevchenko, CEBS
Senior Human Resources
Benefit Specialist
Suburban Propane LP
Whippany, NJ
Pradeep Hiranya Pitigala, CEBS
Director Benefits Accounting
and Reporting
NBC Universal
New York, NY
John J. Coleman, CEBS
Senior Associate
Mercer
Butler, NJ
Rocco A. Russo III, CEBS
Assistant Administrator
Joint Industry Board of the
Electrical Industry
Flushing, NY
Andrea Hartman, CEBS
Senior Benefits Manager
L’Oreal USA Inc.
Berkeley Heights, NJ
Ting Shih-Okawachi, CEBS
Associate Benefits Services
Cornell University
Ithaca, NY
Michael L. Lefchak, CEBS
Senior Associate Benefits
Federal Reserve Office
of Employee Benefits
Newark, NJ
NORTH CAROLINA
Eileen M. Ekey, CEBS
Relationship Manager
ADP Inc.
Charlotte, NC
Funmi T. Olaoluwa, CEBS
Newark, NJ
David A. Pinette, CEBS
Human Resource Director
Machine & Welding Supply Co.
Dunn, NC
Alicia Q. Shepler, CEBS
Workplace Sales Director
MetLife
Cranford, NJ
NORTH DAKOTA
Victor Siuzdak, CEBS
Director Benefits and Wellness
IEEE
Piscataway, NJ
Suzanne Rehr, CEBS
Chief Compliance Officer/Executive
Vice President
Discovery Benefits Inc.
Fargo, ND
NEW YORK
Jacqueline Arroll, CEBS
Benefits Director
Cushman & Wakefield Inc.
New York, NY
OHIO
Jennifer N. Anaya, CEBS
Senior Associate
Mercer
Columbus, OH
Caroline Clements, CEBS
Benefits Manager
Museum of Modern Art
New York, NY
Laurie A. Conan, CEBS
Manager Compensation Benefits
and HRIS
St. Luke’s Cornwall Hospital
Newburgh, NY
Maria E. Schneider, CEBS
Copley, OH
Mark R. Schneider, CEBS
Client Executive
The Hylant Group
Independence, OH
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ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 17
OKLAHOMA
Dennis J. French, CEBS
Forest Park, OK
Jannette L. McCormick, CEBS
Compensation & Benefits Manager
City of Broken Arrow
Broken Arrow, OK
OREGON
Sandra M. Cranston, CEBS
Human Resources
Benefits Consultant
Cambia Health Services
Portland, OR
Kim L. E. Giesbrecht, CEBS
LifeMap Assurance Co.
Portland, OR
PENNSYLVANIA
Kelley A. Adams-Verge, CEBS
Benefits and Wellness Manager
Bucknell University
Lewisburg, PA
Elizabeth A. Alcamo, CEBS
The Beacon Group
King of Prussia, PA
Denise M. Chulack, CEBS
Pittsburgh, PA
Martin G. Giglio, CEBS
Principal Pittsburgh Comm
Practice Leader
Buck Consultants
Pittsburgh, PA
Jennifer N. Lane, CEBS
Retirement and Compensation
Administrator
Gannett Fleming Inc.
Camp Hill, PA
Ulrich W. Mauser, CEBS
Vice President
Provident Agency Inc.
Pittsburgh, PA
Maria Metzger, CEBS
Senior Group Sales Associate
Symetra Life Insurance Company
Exton, PA
Bree D. Norberg, CEBS
Benefits Manager
Penn Mutual Life Insurance Co.
Horsham, PA
Brian S. Orsinger, CEBS
Senior Consultant
Banyan Consulting LLC
Mechanicsburg, PA
Pamela Y. Polk, CEBS
Investigator
U.S. Department of Labor EBSA
Philadelphia, PA
Janet Whitehead, CEBS
VP Assistant Director
Human Resources
Univest Corp. of Pennsylvania
Souderton, PA
Joan M. Williams, CEBS
Manager Employee and
Labor Relations
Aqua America Inc.
Bryn Mawr, PA
RHODE ISLAND
Scott Yankee, CEBS
Benefits Strategy Lead
Textron Inc.
Providence, RI
SOUTH CAROLINA
Margaret C. D’Erasmo, CEBS
Senior Manager
Employer Implementation
Benefitfocus.com Inc.
Daniel Island, SC
Rachel M. Irby, CEBS
Data Import Specialist
Benefitfocus.com Inc.
Daniel Island, SC
Betsy H. Johnson, CEBS
Senior Manager eExchange
Production Services
Benefitfocus.com Inc.
Daniel Island, SC
Maria F. Iniguez de Ortega, CEBS
Benefits Administrator
Baylor Scott & White
Temple, TX
Brian C. Riehs, CEBS
Client Consultant
Gallagher Benefit Services Inc.
Tacoma, WA
Lindsay M. Laviada, CEBS
Risk Management Specialist
Southwest Research Institute
San Antonio, TX
WISCONSIN
Jacquelyn K. Alt, CEBS
Senior Investment Analyst
Building Trades Pension Fund
Elm Grove, WI
Ryan M. Olson, CEBS
Director Client Executive
Transamerica
Chester, TX
Scott L. Austin, CEBS
Senior VP Commercial Growth
Aurora Healthcare
Milwaukee, WI
Megan M. Orosco, CEBS
Account Manager
Lockton Companies
Houston, TX
David M. Bohl, CEBS
Milwaukee, WI
Susan M. DeBruin, CEBS
Investment Advisor Compliance
Senior Consultant
CUNA Mutual Group Members
Capital Advisors
Madison, WI
Rebecca M. Picotte, CEBS
Senior Benefits Specialist
Statoil US Holdings Inc.
Houston, TX
Richard J. Urban Jr., CEBS
The Woodlands, TX
Dottie J. Dykstra, CEBS
Senior Benefits Analyst
Telephone and Data Systems Inc.
Middleton, WI
Laura B. Wilde, CEBS
Benefits Specialist
Oil States International Inc.
Arlington, TX
Amanda H. Rosenbalm, CEBS
Data Analyst
Benefitfocus.com Inc.
Daniel Island, SC
Kimberly L. Zirrillo, CEBS
Senior VP Health and Welfare
NFP
Austin, TX
Brenda L. McCumber, CEBS
Payroll and Benefits Coordinator
Blackhawk Community
Credit Union
Janesville, WI
SOUTH DAKOTA
VIRGINIA
Kimberly R. Bowman, CEBS
Benefits Administrator
Dacotah Banks Inc.
Aberdeen, SD
Kate E. Cordenner, CEBS
Senior Manager Executive
Compensation
AvalonBay Communities Inc.
Arlington, VA
Thomas A. Roth, CEBS
Senior Staff Accountant
G/L Operations
International Foundation of
Employee Benefit Plans
Brookfield, WI
TENNESSEE
Katrina Burnette, CEBS
Benefits Analyst
USW Benefit Funds
Nashville, TN
Tina R. Mayes, CEBS
Spring Hill, TN
TEXAS
Jessica L. Barefoot, CEBS
Cypress, TX
Thomas D. Curtis, CEBS
HR Specialist Benefit Financials
Hess Corporation
Houston, TX
Michael T. Evans, CEBS
Account Executive
Aetna
Dallas, TX
Jenny R. Finney, CEBS
Benefits Manager
KBR
Houston, TX
Christina G. Giese, CEBS
Senior Director Human Resources
Stage Stores Inc.
Houston, TX
Connect with us
Network with peers, get news
and updates, apply for courses
Kathryn Marino, CEBS
Director Compensation & Benefits
DCS Corporation
Alexandria, VA
Nicole M. Weis, CEBS
Benefits and Wellness Consultant
Key Benefit Concepts LLC
Wales, WI
Brian W. Pace, CEBS
Investment & Retirement Planner
National Rural Electric
Cooperative Assn.
Arlington, VA
SINGAPORE
Mary H. Riley, CEBS
Senior Benefits Analyst
KSPH
Glen Allen, VA
Susan M. Whiteley, CEBS
Senior Benefits Analyst
Serco Inc.
Reston, VA
Xiang Jun M. Loh, CEBS
Reward Analyst
BP Singapore
Singapore
UNITED ARAB EMIRATES
Vinaya Visalam Sasidharan, CEBS
Senior Human Resources Specialist
KBR Middle East Benefits
Dubai
WASHINGTON
Barbara S. Carlow, CEBS
Account Manager
Benefit Solutions Inc.
Mukilteo, WA
Regina R. Nunan, CEBS
Snoqualmie, WA
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Exams | Online Study | Study Options | Continuing Education
ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 18
Group Benefits Associates (GBAs)
May through October 2014
ALABAMA
Patricia M. Cooper, GBA
VP Benefits and Risk Programs
Brown Jordan International
Birmingham, AL
ARIZONA
Carolyn A. Corsi, GBA
Human Resources Specialist
Special Devices Inc.
Mesa, AZ
Justin G. Lowell, GBA
Fallbrook, CA
Phuong H. Luong, GBA
Retirement Benefit Specialist
LACERA
Pasadena, CA
Thea Y. Mayne, GBA
Vacaville, CA
Elizabeth Mary Strickland, GBA
Safford, AZ
Edith Mendoza, GBA
Account Executive
Wells Fargo Insurance Services
USA Inc.
Torrance, CA
ARKANSAS
Timothy I. Mercer, GBA
Seal Beach, CA
Leslie J. Brown, GBA
Little Rock, AR
CALIFORNIA
Mitzi J. Baum, GBA
Account Executive
Wells Fargo Insurance Services
USA Inc.
Torrance, CA
Eduardo Bohon, GBA
Broker/Owner
Benefitsfirst Inc.
Anaheim, CA
Cheryl A. Chedester, GBA
Folsom, CA
Alisa Chen, GBA
Chino Hills, CA
Veronica E. De La Torre, GBA
Retirement Benefit Specialist II
LACERA
Pasadena, CA
Heather L. Evans, GBA
Risk Management Technician
County of El Dorado
Placerville, CA
Angela J. Fisher, GBA
Client Service Specialist
Reliance Standard Life Insurance Co.
Walnut Creek, CA
Catherine A. Guiant, GBA
Trust Administrator
Polycomp Administrative Services
San Diego, CA
Priti Kapoor, GBA
Benefits Manager
LAUSD Division
of Risk Management
Los Angeles, CA
Kayoko Lindenberger, GBA
Senior Benefits Specialist
Towers Watson
San Diego, CA
Suzanne Needham, GBA
Benefits Manager
Able Services
Moraga, CA
Michael Ngo, GBA
Tustin, CA
Kimberly A. Okeson, GBA
Poway, CA
Arthur A. Palomino, GBA
Benefits Consultant
AARP
Lakewood, CA
Cheryl C. Panariello, GBA
Benefits Manager
Cache Creek Casino Resort
Brooks, CA
Alexandra M. Parry-Kesser, GBA
Account Executive
Alliant Insurance Services
San Diego, CA
Amanda Prugar, GBA
Underwriter
Ace Group
San Francisco, CA
Joseph D. Salazar, GBA
Assistant General Manager
Los Angeles Fire & Police Pensions
Los Angeles, CA
William B. Schultes, GBA
Regional Sales Manager
Reliance Standard Life Insurance Co.
Walnut Creek, CA
Thomas J. Selvy, GBA
Health and Benefit Producer
Parenti and Associates
San Carlos, CA
Gina T. Ton, GBA
Dublin, CA
Christine Wyman, GBA
Upland, CA
Connect with us
Network with peers, get news
and updates, apply for courses
COLORADO
Janet D. Kulyk, GBA
Westport, CT
Patrick J. Butler, GBA
General Manager
MedStudy
Colorado Springs, CO
Melissa A. Livingston, GBA
Human Resources Associate
Purdue Pharma
Stamford, CT
Louis A. Conte, GBA
Director Benefits
Prologis
Denver, CO
Dawn Mitera, GBA
Benefits Consultant
Travelers Insurance
Hartford, CT
Lindsey C. Cushman, GBA
Benefits Analyst
Chipotle Mexican Grill
Denver, CO
Corinna L. Ouellette, GBA
Client Service Manager
Aetna Inc.
Hartford, CT
Nicole J. Haggerty, GBA
Benefits Administrator
Longmont United Hospital
Frederick, CO
Mary A. Smoolca, GBA
Windsor, CT
Ellen A. Jones, GBA
Senior Account Manager
Anthem Blue Cross Blue Shield
Elizabeth, CO
Lynn Marie Kowsz, GBA
Health and Benefits Specialist
Aon Hewitt
Denver, CO
Erik T. La Seure, GBA
Compensation & Benefits Manager
Venoco Inc.
Denver, CO
Reagan N. Seylhouwer, GBA
Account Manager
Lockton Companies
Denver, CO
Deena A. Sterry, GBA
Brookfield, CT
Charles H. Tashjian, GBA
Sandy Hook, CT
Amy L. Yantorno, GBA
Analyst
Mercer
Norwalk, CT
DISTRICT OF COLUMBIA
Brian H. Francis, GBA
Benefits Coordinator
NFL Players Association
Washington, DC
FLORIDA
Courtney E. Anderson, GBA
Account Executive
Brown & Brown Inc.
Daytona Beach, FL
Marjorie L. Wheeler, GBA
Account Administrator
Lockton Companies
Denver, CO
Christian Bergstrom, GBA
Senior Vice President
Wallace Welch & Willingham Inc.
St. Petersburg, FL
CONNECTICUT
Maureen A. Conable, GBA
Wallingford, CT
Lynda M. Domaszewski, GBA
Bristol, CT
Deborah L. Goodwin, GBA
Kuveke Benefits LLC
Ridgefield, CT
Margaret H. Jakubowski, GBA
Employee Benefits Specialist
Robert Hensley & Associates LLC
Avon, CT
Kevin M. Kearney, GBA
Multi Function Manager
Aetna Life Insurance Company
Hartford, CT
Stephanie L. Boucher, GBA
Palm Bay, FL
Jennifer F. Chartrand, GBA
Benefits Manager
Williams Parker
Sarasota, FL
Melonie D. Donnally, GBA
Team Resource Specialist
Employment Practices
Brown & Brown Inc.
Daytona Beach, FL
Andrea L. Katz, GBA
Tampa, FL
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Exams | Online Study | Study Options | Continuing Education
ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 19
Stephanie J. Kelly, GBA
Senior Account Manager
Health First Health Plans
Rockledge, FL
Iliana D. Lopez, GBA
Human Resources
and Benefits Specialist
ADP
Miami, FL
Bridgette K. Reilly, GBA
Producer
Arthur J. Gallagher & Company
Orlando, FL
Alexis Sidoff, GBA
Regional Sales Manager
Allstate Benefits
Jacksonville, FL
Michelle L. Siemer, CEBS, GBA
Senior Manager U.S. Benefit Plans
Brambles HQ
Orlando, FL
GEORGIA
John C. Alexander, GBA
Human Resources Training Manager
Circle K Stores Inc.
Savannah, GA
Payton A. Brady, GBA
Atlanta, GA
Brady H. Hamlin, GBA
Atlanta, GA
Nicholas D. Hendricks, GBA
Strategist
Benefit Company
Atlanta, GA
Gwendel L. Long, GBA
Director Benefits
Arthritis Foundation
Atlanta, GA
Kevin E. Robbins, GBA
Product Manager
ADP
Alpharetta, GA
Heather D. Sjogren, GBA
Client Services Consultant
MetLife
Atlanta, GA
Michael S. Taylor, GBA
Director Benefits
MedAssets
Lawrenceville, GA
HAWAII
Lynn K. Liu, CEBS, GBA
Benefits Manager
Queens Health Systems
Honolulu, HI
Lachelle Rodrigues, GBA
Partner/Member
Employee Benefit Consulting LLC
Honolulu, HI
IDAHO
Celinda P. Downey, GBA
Human Resources
and Benefits Manager
BMC
Boise, ID
Benjamin M. Torgersen, GBA
Compensation Manager
HP
Boise, ID
Julie A. Younce, GBA
Benefits Coordinator
Sierra Cascade Nursery
Eagle, ID
ILLINOIS
Rosa M. Aguirre, GBA
Analyst
Towers Watson
Chicago, IL
Amy C. Baesemann, GBA
Human Resources
and Administration Assistant
Marshall Gerstein & Borun LLP
Chicago, IL
William P. Callinan, GBA
Attorney
Johnson & Krol LLC
Chicago, IL
Laurel Flanagan, GBA
Human Resources Systems Manager
Hinshaw & Culbertson LLP
Chicago, IL
Sara B. Haffner-Wolf, GBA
McHenry, IL
Daniel A. Hankiewicz, GBA
Springfield, IL
Karen M. Hensal, GBA
Total Rewards Coordinator
FHN
Freeport, IL
Nathan W. Johnson, CEBS, GBA
Senior Technical Advisor Health
U.S. Department of Labor EBSA
Chicago, IL
Travis J. Ketterman, GBA
Partner
Whitfield McGann & Ketterman Ltd.
Chicago, IL
Natalie L. Kusek, CEBS, GBA
Human Resources Manager
Southwire
Waukegan, IL
Angela M. Maino, GBA
Chicago, IL
Kate Salhani, GBA
Arlington Heights, IL
Matthew D. Schnur, GBA
Benefits & Compensation Manager
American College of Surgeons
Chicago, IL
Christopher I. Stahlmann, GBA
Analyst Benefits
Office Max Inc.
Itasca, IL
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and updates, apply for courses
Julie M. Tatum, GBA
Senior Manager Benefits
Office Max
Itasca, IL
Johanna K. Heule, GBA
Benefits Associate Specialist
Roquette America Inc.
Keokuk, IA
Raymond T. Thacker, GBA
Assistant Administrator
IBEW–NECA
Decatur, IL
Bradley A. Johnson, GBA
Partner
Benefit Staff
Bettendorf, IA
Amy Tran, GBA
Human Resources Manager
Yang Ming America Corporation
Downers Grove, IL
KANSAS
Karen Walters, CEBS, GBA
Senior Director Compensation
USG Corporation
Chicago, IL
Julie R. Wilson, GBA
Account Analyst
IMA of Kansas Inc.
Wichita, KS
LOUISIANA
INDIANA
Debora J. Chapman, GBA
Director of Business Development
LHD Benefit Advisors
Indianapolis, IN
Amanda K. Cullen, GBA
Senior Client Service Specialist
Prudential Insurance
Zionsville, IN
Roberta J. Serrett, GBA
Business Analyst
BancorpSouth Insurance
Services Inc.
Baton Rouge, LA
MAINE
Doris J. Cohen, GBA
Norridgewock, ME
Cheryl A. Hindsley, CEBS, GBA
Account Representative
M.J. Schuetz Insurance Agency
Indianapolis, IN
Kristen M. Grosso, GBA
Employee Health
and Benefits Consultant
Mercer
Portland, ME
MARYLAND
Mandy Laird, GBA
Benefits Administrator
City Financial Corporation
Indianapolis, IN
Penelope L. Lawson-Getz, GBA
Benefits Education Specialist
Tilson
Greenwood, IN
Melissa M. Riggs, CEBS, GBA
Compensation Payroll
and Benefits Analyst
Hoosier Energy
Bloomington, IN
Laurell A. Aiton, GBA
Vice President
Smartronix Inc.
Hollywood, MD
Catherine A. Bacastow, GBA
Accounting Manager
Decision Science Inc.
Dundalk, MD
Elizabeth A. Behrmann, GBA
Senior Director Human Resources
Telecommunications Systems Inc.
Annapolis, MD
John G. Shircliff, GBA
Zionsville, IN
Shannon G. Sparazynski, GBA
Retirement and Benefits
Administrator
A.M. General LLC
South Bend, IN
Kelly M. Collins, GBA
Human Resources Manager
Levin Group Inc.
Owings Mills, MD
IOWA
Joy L. Creelman, GBA
Payroll and Benefits Manager
Mona Electric Group Inc.
Clinton, MD
Timothy R. Alexander, GBA
Vice President Employee Benefits
Cottingham & Butler
Dubuque, IA
Kevin A. Darrell, GBA
Rockville, MD
Scott K. Davis, GBA
Laurel, MD
Megan M. Burke, GBA
Inside Sales Support Specialist
ARAG
Des Moines, IA
Lucia C. Fan, GBA
Willis Corroon Corporation
of Maryland
Bethesda, MD
Daniel R. Edgington, GBA
Client Representative
Associated Benefits Corporation
West Des Moines, IA
Leonard M. Gross, GBA
Darnestown, MD
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Exams | Online Study | Study Options | Continuing Education
ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 20
Noreen K. Maksym, GBA
Benefits/Pension Plan Specialist
APWU Health Plan
Glen Burnie, MD
Mary Oden, GBA
Insurance Exchange
Rockville, MD
Francisca A. Olson, GBA
Chesapeake Beach, MD
Sunanda Oung, GBA
Manager Benefit Finance
Marriott International Inc.
Rockville, MD
Emily J. Ropka, GBA
Reisterstown, MD
Alexander Santiago, GBA
Gaithersburg, MD
Kathryn L. Colantonio, GBA
Human Resources Benefits
Group Leader
Trillium
Kalamazoo, MI
Sheeba Cook, GBA
Livonia, MI
Pamela Coronado-Capstick, CEBS,
GBA
Benefits Administration Specialist
University of Michigan
Ann Arbor, MI
Nicole Hill, GBA
Senior Benefits Analyst
Benefit Review Services Inc.
Sterling Heights, MI
Andrea M. Sligh, GBA
Baltimore, MD
Peter E. Kennedy, GBA
Assistant to President
BMWED - IBT
Novi, MI
Spencer Whalen, GBA
Account Manager
Keller Benefit Services
Bethesda, MD
Nicole Kolar, GBA
Personnel Supervisor
City of Westland
Westland, MI
MASSACHUSETTS
Susan Moffitt, GBA
Clawson, MI
Melanie A. Brown, GBA
Customer Service Manager
HUB International New England
Norwell, MA
Nicholas L. Graeve, GBA
Quincy, MA
Kevin D. Reetz, CEBS, GBA
Director Compensation Retirement
Plans HRIS & HR Finance
Beaumont Health System
Southfield, MI
Sarah A. Kasper, GBA
Willis of Massachusetts
Boston, MA
Aaron M. Root, GBA
Account Director
Benefit Outsourcing Solutions Inc.
Commerce Township, MI
Colleen M. Kelley, GBA
Investigator
U.S. Department of Labor EBSA
Boston, MA
Christina L. Selby, GBA
Senior Benefits Specialist
Kellogg Company
Battle Creek, MI
Stephen J. Lang, GBA
Representative
Orchard Financial
and Insurance Services
West Bridgewater, MA
Brandi Zaidat, GBA
Northville, MI
Kerry L. Marasa, GBA
Senior Benefits Specialist
Eze Castle Integration
Boston, MA
Laura S. Miller, GBA
Benefits Representative
Advocates Inc.
Framingham, MA
MICHIGAN
Cheryl J. Baker, CEBS, GBA
Benefits Specialist
Western Michigan University School
of Medicine
Kalamazoo, MI
Sally M. Bonetti, GBA
Compliance Consultant
Group Associates Inc.
Bingham Farms, MI
MINNESOTA
Lila M. Chu, GBA
Benefits Coordinator
Hays Companies
Minneapolis, MN
David S. Ebbert, GBA
Willis of Minnesota Inc.
Minneapolis, MN
Alicia Gurav, GBA
Osseo, MN
Dana E. Hanson, GBA
Administrator
Wilson McShane Corporation
Duluth, MN
Carrie Johnson, GBA
Benefits Coordinator
Patterson Companies
St. Paul, MN
Julie M. Kaczmarek, GBA
Waconia, MN
Douglas B. Bryant, GBA
Novi, MI
Connect with us
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and updates, apply for courses
Sarah L. Kroells, GBA
Client Service Representative
HealthPartners
Bloomington, MN
Valerie M. Trim, GBA
Benefits Analyst
Suddenlink
St. Louis, MO
Brenda L. Osowski, GBA
Associated Financial Group
Minnetonka, MN
Michael T. Trokey, GBA
Associate Administrative Manager
IBEW–NECA Retirement Fund
St. Louis, MO
Maureen D. Pickar, GBA
Director Benefits Management
Goldleaf Partners
Baxter, MN
Carol R. Wilson, GBA
Human Resource Manager
University of Missouri
Columbia, MO
Becky L. Schurmann, GBA
Senior Benefits Specialist
Allina Hospitals & Clinics
Minneapolis, MN
MONTANA
Patrick D. Stephan, CEBS, GBA
Xcel Energy
Minneapolis, MN
Michelle N. Tabbert, GBA
Administrator
Wilson McShane Corporation
Duluth, MN
Lori A. Holtz, GBA
Human Resources Manager
Benefits and Compensation
The Standard
Billings, MT
Melissa J. Lyon, GBA
Executive VP of Human Resources
Employee Benefit Management
Services Inc.
Billings, MT
Michelle L. Thorman, GBA
Strategic Account Manager
HealthPartners
Bloomington, MN
NEBRASKA
MISSOURI
Julie A. Bruening, GBA
Director Legal/Compliance
Administration
Concordia Plan Services Lutheran
Church Missouri Synod
St. Louis, MO
Megan M. Ferber, GBA
Disability Representative
Concordia Plan Services
St. Louis, MO
Tammy M. Freeman, GBA
Manager Account Service Marketing
BlueCross BlueShield of Nebraska
Omaha, NE
Barbara K. Hoffman, GBA
Senior Account Administrator
Silverstone Group Inc.
Omaha, NE
Dell M. Rice, GBA
Senior Human Resources Analyst
Conagra Foods Inc.
Omaha, NE
Stacy L. Wagner, GBA
Benefits and Compensation Manager
Central States Health
& Life Company
Omaha, NE
Markeisha Gonzalez, GBA
Kansas City, MO
Brent R. Jansen, GBA
Health & Benefits Specialist
Aon Hewitt
St. Louis, MO
NEVADA
Anthony Kovac, GBA
Associate Actuary
Lockton Companies
Kansas City, MO
Leslie J. Johnson, GBA
Administrator Employee Benefits
American Pacific Corporation
Las Vegas, NV
Jennifer L. Nihart, GBA
Senior Analyst
Towers Watson
St. Louis, MO
NEW HAMPSHIRE
Philip A. Nikolai, GBA
Health & Group Benefits Consultant
Towers Watson
Clayton, MO
Mark Rodrigues, GBA
Health Risk Solutions Consultant
Lockton Companies
Kansas City, MO
Jennifer N. Sharp, GBA
Enrollment/Eligibility Representative
Concordia Plan Services
St. Louis, MO
Kathleen K. Burke Hogan, GBA
Employee Benefits Administrator
Easter Seals of New Hampshire
Manchester, NH
NEW JERSEY
Lynn A. Boland, GBA
Cherry Hill, NJ
Michael R. Bradley, GBA
Somers Point, NJ
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Exams | Online Study | Study Options | Continuing Education
ISCEBS Membership | Symposium | Contact Us newsSCOPE | December 2014 | 21
Sharon M. Hofmann, GBA
Senior Human Resources
Professional
Telcordia Technologies dba iconectiv
Piscataway, NJ
Patrice Jensen, GBA
Employee Benefit Manager
Solid Benefit Guidance
Montvale, NJ
Jennifer A. Morris, GBA
Hillsdale, NJ
Funmi T. Olaoluwa, CEBS, GBA
Newark, NJ
Yeydi E. Perdomo, GBA
Senior Benefits Analyst
Covant Energy
Morristown, NJ
Alicia Q. Shepler, CEBS, GBA
Workplace Sales Director
MetLife
Cranford, NJ
Petra S. Silva, GBA
Senior Benefits Specialist
MetLife
Bridgewater, NJ
Kathleen A. Stein, GBA
Senior Employee Benefits
Administrator
Monmouth University
West Long Branch, NJ
NEW YORK
Anthony Amato, GBA
Health & Welfare Fund Manager
Sergeants Benevolent Association
New York, NY
Michelle M. Aurelia, GBA
Queensbury, NY
Jennifer Bingham, GBA
United Crafts Benefits Fund
Huntington Station, NY
Michael L. Caputo, GBA
Defined Benefit Associate
Diversified Retirement Corporation
Harrison, NY
Jennifer A. Davis, GBA
International Benefits Manager
Orange Business Services
Holbrook, NY
Yardly Dorcely, GBA
Benefits Advisor
Linklaters LLP
New York, NY
Keith D. Fischer, GBA
Health Insurance Plan of New York
New York, NY
Lisa M. D. Flynn, GBA
Project Leader U.S. Transitions
General Electric
Schenectady, NY
Sharon R. Frankovich, GBA
Fairport, NY
Lynette L. Harel, CEBS, GBA
Director
Fidelity Investments
New York, NY
Susan Hoffa, GBA
Delivery Specialist
General Electric
Schenectady, NY
Raven Jenkins-Parks, GBA
Payroll and Benefits Manager
Freshfields Bruckhaus Deringer
New York, NY
Lindsay A. Jones, GBA
Benefits Manager
Employer Services Corporation
Amherst, NY
Kriti Kapoor, GBA
Corporate Vice President
New York Life Insurance Company
New York, NY
Cheryl M. Kelly, GBA
Clifton Park, NY
Ronald F. Lamy, GBA
Chief Executive Officer
New York State Nurses Assn.
Pension Plan
Albany, NY
Patrick T. McGrade, GBA
Associate
McDermott & Thomas
Staten Island, NY
Megan R. Millevoy, GBA
Centereach, NY
Traciann M. Mills, GBA
GE Affiliates Health & Welfare
Team Lead
General Electric
Schenectady, NY
June C. Mitchell, GBA
Quality Records
and Training Coordinator
CareStream Health
Rochester, NY
Peter O’Sullivan, GBA
Manager Benefits
Harry Winston
New York, NY
Patricia Pasqueralle, CEBS, GBA
Account Executive
Alliant Employee Benefits
Uniondale, NY
Diane L. Shafer, GBA
Benefits Administrator
HP Hood LLC
Binghamton, NY
Patricia Sung, GBA
Tarter Krinsky & Drogin LLP
New York, NY
Sylvia S. Tower, GBA
Human Resources Generalist
Family Services Inc.
Poughkeepsie, NY
Laurie R. Hannon, GBA
Ontario, NY
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and updates, apply for courses
NORTH CAROLINA
Danielle M. Chanat, GBA
Area Director of Compliance
Arthur J. Gallagher & Company
Charlotte, NC
Jennifer J. Craven, GBA
Hill Cheffon & Woody
Durham, NC
Bethany L. Fay, GBA
Director Compensation and Benefits
Wake Forest University
Winston-Salem, NC
Katherine R. Fernandes, GBA
Consultant Coordinator
HCW Employee Benefit Services
Durham, NC
Janis M. Mire, GBA
Human Resource Manager
Carolinas Pathology Group
Charlotte, NC
Frank S. Woody, GBA
Partner
HCW Employee Benefit Services
Durham, NC
NORTH DAKOTA
Kimberlee J. Eken, GBA
Human Resources Administrator
Minnkota Power Cooperative Inc.
Grand Forks, ND
Nicole C. Lane, GBA
Director Benefits and HRIS
FirstGroup America Inc.
Cincinnati, OH
Ryan M. Lilly, GBA
Cincinnati, OH
Steven P. Springer, GBA
Manager Health Care Labor Strategy
and Finance
The Kroger Company
Cincinnati, OH
OKLAHOMA
Dennis J. French, CEBS, GBA
Forest Park, OK
OREGON
Adam R. Aschoff, GBA
IDI Sales Consultant
The Standard
Portland, OR
Lynn Block, GBA
Associate Attorney
Discovery Benefits Inc.
Fargo, ND
Linda M. Lake, GBA
Loveland, OH
Kelly Soirefman, GBA
Benefits Consultant
CPI-HR
Solon, OH
Christine S. Zimmerman, GBA
Benefits Analyst
USI Insurance
Cincinnati, OH
Crystal G. Thomas, GBA
Gastonia, NC
Julia M. Hesketh, GBA
Manager Analytics
Macy’s
Cincinnati, OH
Jeffrey M. Schneider, GBA
Marysville, OH
Jason A. Wiles, GBA
Employee Benefits Consultant
Chelko Consulting Group
Westlake, OH
Paula L. Stop, GBA
Benefits Manager
Bell Partners Inc.
Greensboro, NC
Julie L. Feltner, GBA
Account Manager
Brower Insurance Agency
Dayton, OH
Shannon M. Navin, GBA
Columbus, OH
Scott E. Rengel, GBA
Benefits Manager
Exel
Westerville, OH
Eileen M. Ekey, CEBS, GBA
Relationship Manager
ADP Inc.
Charlotte, NC
OHIO
Kimberly J. Murphy, GBA
Vice President Employee Benefits
InfoCision Management
Corporation
Akron, OH
George A. Heath Jr., GBA
Analyst IV Total Rewards
Portland General Electric Company
Portland, OR
Lora J. Kincaid, GBA
Disability Claims Specialist
Standard Insurance Company
Portland, OR
Jynnefer Robinson, GBA
Gresham, OR
PENNSYLVANIA
Elizabeth Bettinger, GBA
Account Manager
and Benefits Specialist
Superior Benefit Plans
New Hope, PA
Gloria A. Cross, GBA
Chief Human Resources Officer
Medimedia USA Inc.
Yardley, PA
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Tammy M. Fennessy, GBA
Benefits Manager
American Eagle Outfitters Inc.
Pleasant Hills, PA
Cheryl A. Ferry, GBA
Philadelphia, PA
Paula L. Fortunato, GBA
Benefits Analyst
First Energy Corporation
Greensburg, PA
Lisa M. Gavlak-O’Donnell, GBA
Compensation Analyst
Pinnacle Health System
Harrisburg, PA
Martin G. Giglio, CEBS, GBA
Principal Pittsburgh Comm
Practice Leader
Buck Consultants
Pittsburgh, PA
George A. Heigel, GBA
Senior Financial Analyst
Henderson Brothers Inc.
Pittsburgh, PA
Lori M. Kacin, GBA
Analyst
Cowden Associates Inc.
Pittsburgh, PA
James M. Kelly, GBA
Director Compensation & Benefits
Big Heart Pet Brands
Pittsburgh, PA
Sara J. Kennedy, GBA
Director of Human Resources
Philadelphia Mixing Solutions
Palmyra, PA
Patricia L. Michel, GBA
Senior Pension & Benefits Analyst
NOVA Chemicals
Coraopolis, PA
Andrew P. Murphy, GBA
Muncy, PA
Susan M. Schneider, GBA
Benefits Specialist
Rite Aid Corporation
Etters, PA
Joel A. Searfoss, GBA
Senior Benefits Specialist
Rite Aid Corporation
Etters, PA
June R. Sheedy, GBA
Employee Leave Administrator
Susquehanna Bancshares Inc.
Mountville, PA
Nancy E. Suloff, GBA
Employee Benefits Risk Manager
BCF Group Inc.
Lancaster, PA
Alyssa M. Warsh, GBA
Philadelphia, PA
Michele L. Wentworth, GBA
Benefits Analyst
The Board of Pensions of the
Presbyterian Church
Philadelphia, PA
Janet Whitehead, CEBS, GBA
VP Assistant Director
Human Resources
Univest Corp. of Pennsylvania
Souderton, PA
Laura J. Williams, GBA
Harrisburg, PA
Delores A. Yingst, GBA
Harrisburg, PA
RHODE ISLAND
Scott Yankee, CEBS, GBA
Benefits Strategy Lead
Textron Inc.
Providence, RI
SOUTH CAROLINA
Amy E. Bates, GBA
Market Adoption Coordinator
Benefitfocus.com Inc.
Hanahan, SC
Angelica M. Bergoo, GBA
Team Lead
Benefitfocus.com Inc.
Daniel Island, SC
Timothy R. Bouquet, GBA
Contract Manager
Benefitfocus.com Inc.
Charleston, SC
Taylor B. Brewer, GBA
Operations Manager
Benefitfocus.com Inc.
Mount Pleasant, SC
Jon-Michael McDowell, GBA
Quality Assurance Analyst
Benefitfocus.com Inc.
Mount Pleasant, SC
Kristina K. Viola, GBA
Account Manager
Healthways
Franklin, TN
Travis Lee ODell, GBA
Benefits Administrator
Benefitfocus.com Inc.
Daniel Island, SC
Jennifer B. Watson, GBA
Account Executive
Lipscomb & Pitts Insurance LLC
Memphis, TN
Courtney E. Proffitt, GBA
Sales Communications Specialist
Benefitfocus.com Inc.
Charleston, SC
Tyler J. Wear, GBA
Assistant Client Systems
Willis of Tennessee
Knoxville, TN
Sabrina L. Rudnick, GBA
Quality Assurance Project Manager
Benefitfocus.com Inc.
North Charleston, SC
TEXAS
Kimberly T. Seel, GBA
Manager Sales Support and Analysis
Benefitfocus.com Inc.
Mount Pleasant, SC
Brooke K. St. Martin, GBA
Team Lead Employer Services
Benefitfocus.com Inc.
Mount Pleasant, SC
Mary E. Chesson, GBA
Client Technology Specialist
Rosenfeld Einstein
Greenville, SC
William T. Finney, GBA
Mount Juliet, TN
Jenna T. Colman, GBA
Director of Product Consulting
Benefitfocus.com Inc.
Daniel Island, SC
Timothy N. Davis, GBA
Security Analyst
Benefitfocus.com Inc.
Daniel Island, SC
Catherine M. Fitzsimmons, GBA
Content Strategist Marketing
Communications
Benefitfocus.com Inc.
Mount Pleasant, SC
Amy R. Giulioni, GBA
Manager
Benefitfocus.com Inc.
Charleston, SC
Gail E. Granchelli, GBA
Payroll Services Manager
Burroughs & Chapin
Myrtle Beach, SC
Nicole L. LaPorte, GBA
Human Resources Administrator
Benefitfocus.com Inc.
Daniel Island, SC
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Geniece C. Brunson, GBA
Producer
Frost Insurance
Fort Worth, TX
John S. Wilson, GBA
Senior Manager
Solution Engineering
Benefitfocus.com Inc.
Mount Pleasant, SC
TENNESSEE
Amanda D. Ashley, GBA
Employee Benefits Coordinator
Business Financial Group
San Antonio, TX
Jessica L. Barefoot, CEBS, GBA
Cypress, TX
Aimee D. Tefft, GBA
Project Manager
Benefitfocus.com Inc.
Charleston, SC
Ruth O. Campbell, GBA
Senior Data Analyst
Benefitfocus.com Inc.
Summerville, SC
Elizabeth M. Allen, GBA
Assistant VP Benefits Compliance
and Counsel
NFP Insurance Services Inc.
Plano, TX
Chris Calvery, GBA
Account Executive
Web TPA
Irving, TX
John C. Capshaw Jr., GBA
Manager Global Benefits
Chevron
Houston, TX
Candace B. Brown, GBA
Brentwood, TN
Cliffton T. Craddock, GBA
Vice President
K&S Insurance Agency
Rockwall, TX
Michelle L. Janovitz, GBA
Benefits Analyst
TCF Financial
Nashville, TN
Jennifer L. Donaldson, GBA
Houston, TX
Pari Mistry, GBA
Senior Director
Account Management
Healthways
Franklin, TN
Lenora J. Esparza, GBA
Allen, TX
Charles D. Moore Jr., GBA
Director Account Management
Healthways
Franklin, TN
Ann M. Muffoletto, GBA
Assistant Benefits Specialist
Air Line Pilots
Association International
Memphis, TN
Nancy R. Parker, GBA
Franklin, TN
Erin Y. Phillips, GBA
Benefits Producer
Lipscomb & Pitts Insurance LLC
Memphis, TN
Kathryn Christine Farias, GBA
Human Resources Manager
HealthMarkets
North Richland Hills, TX
Kesa A. Farrell, GBA
Wylie, TX
Lea A. France, GBA
Senior Associate
Mercer
Dallas, TX
Timothy Frias, GBA
Associate Client Services
Holmes Murphy & Associates
Dallas, TX
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Karen Hill, GBA
Employee Benefits Supervisor
LSG Sky Chefs
Irving, TX
Dana Jepson, GBA
Senior Coordinator of Research
and Policy
Employees Retirement System
of Texas
Austin, TX
Lisa M. Johnson, GBA
San Antonio, TX
Laura F. Ketchum, GBA
Coppell, TX
Melissa A. McDole, GBA
Fort Worth, TX
Ryan J. Mitchell, GBA
Account Manager
MHBT Inc.
Dallas, TX
Joshua F. Novak, GBA
Senior Compensation Analyst
Halliburton
Houston, TX
Andrew S. Peterson, GBA
Billing & Eligibility Team Lead
Catto & Catto LLP
San Antonio, TX
Rebecca M. Picotte, CEBS, GBA
Senior Benefits Specialist
Statoil U.S. Holdings Inc.
Houston, TX
Ursula Poley, GBA
Account Manager
MHBT Inc.
Dallas, TX
Sharon A. Rao, GBA
Corporate Benefits Specialist
Airborn Inc.
Addison, TX
Jessica Rios, GBA
Katy, TX
Irene P. Rosalez, GBA
Senior Marketing Representative
Blue Cross Blue Shield of Texas
Humble, TX
Jeffrey Strese, GBA
Executive Director
Human Resources
Southern Methodist University
Dallas, TX
Samantha K. Swan, GBA
Employee Benefits Manager
Carriage Services
Houston, TX
Terrince A. Thomas, GBA
Austin, TX
James Vollmer, GBA
President
Employer Benefit Solutions
Southlake, TX
Emily M. Wellen, GBA
Associate II
Employee Benefit Solutions
Houston, TX
WASHINGTON
Katharine M. Cuyle, GBA
Account Manager
TRUEbenefits LLC
Seattle, WA
Candice Hamilton, GBA
Newcastle, WA
Rosetta M. McCloud, GBA
Associate
Mercer
Lynnwood, WA
Amber L. Britton, GBA
Human Resources Specialist
NCSC
Williamsburg, VA
Ann Nemitz, GBA
Seattle, WA
Antonia J. Feldman, GBA
Research Associate
Towers Watson
Arlington, VA
MacKenzie Zora, GBA
Seattle, WA
Paula A. Scott, GBA
Senior Benefit Account Manager
MHBT Inc.
Fort Worth, TX
Serita H. Smith, GBA
Senior Associate
Buck Consultants LLC
Houston, TX
Melanie M. Hirshfeld, GBA
Program Manager
WEA Trust
Madison, WI
Brittany A. Higgins, GBA
Brown & Brown Insurance
Tacoma, WA
Angela C. Blevins, GBA
Human Resources Manager
Highlands Community Services
Abingdon, VA
David S. Talbert, GBA
Senior Vice President
KSPH, A Marsh & McLennan
Agency
Glen Allen, VA
Lisa M. Henke, GBA
Risk and Benefits Manager
Walworth County
Elkhorn, WI
Tammy L. Hammer, GBA
Lynnwood, WA
VIRGINIA
Erin Settle, GBA
Human Resources Generalist
Metron Inc.
Reston, VA
Amy B. Collien, GBA
Strategy Consultant
Wells Fargo Insurance Services
USA Inc.
Madison, WI
Kris K. Freeman, GBA
Human Resources Director
Sportswear Inc.
Seattle, WA
Stacie Kane, GBA
Manager Health and Welfare
Nordstrom
Seattle, WA
Amanda E. Lester, GBA
Human Resources
Central Services Administrator
Alpha Natural Resources LLC
Abingdon, VA
Patrick J. Bill, GBA
Manager of Underwriting
and Sales Support
EBSO Inc.
Glendale, WI
Rebecca S. Jenks, GBA
New Glarus, WI
Alexandra I. Kestner, GBA
Benefits Administration Analyst
Milwaukee Public Schools
Milwaukee, WI
Regina R. Nunan, CEBS, GBA
Snoqualmie, WA
WEST VIRGINIA
Jennifer M. Lucey, GBA
Information/Research Specialist
International Foundation of
Employee Benefit Plans
Brookfield, WI
Kaylin K. Pankratz, GBA
Compensation & Benefits Manager
Alta Resources
Neenah, WI
Bethany M. Sullivan, GBA
Delafield, WI
Emily A. Jacobs, GBA
Ranson, WV
Rhonda M. Ziegler, GBA
Benefits Administrator
Neenah Foundry
Neenah, WI
WISCONSIN
Jacquelyn K. Alt, CEBS, GBA
Senior Investment Analyst
Building Trades Pension Fund
Elm Grove, WI
INDIA
Naveen Kumar Midha, GBA
Almondz Insurance Brokers
Private Ltd.
Bangalore, Karnataka
Katherine Bergstrom, GBA
Editor—Publications
International Foundation
of Employee Benefit Plans
Brookfield, WI
Nancy Betz, GBA
Senior HR Generalist/Business
Partner
Care Wisconsin First Inc.
Madison, WI
Robert W. Stone, GBA
Project Manager
CoreLogic
Austin, TX
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Retirement Plan Associates (RPAs)
May through October 2014
CALIFORNIA
CONNECTICUT
IOWA
MINNESOTA
Adam D. Benson, RPA
Senior Managing Consultant
Public Financial Management Inc.
San Francisco, CA
Kelly Flaherty, CEBS, RPA
Stratford, CT
Corey L. Haars, RPA
Transamerica
Cedar Rapids, IA
Jeffery J. Baldeshwiler, CEBS, RPA
Human Resources Manager
Edward Kraemer & Sons
Burnsville, MN
Margaret C. Camarena, CEBS, RPA
Pension Analyst
Towers Watson
Irvine, CA
Anthony S. David, RPA
Senior Retirement Plans
Administrator
Science Applications
International Corp.
San Diego, CA
Robert J. Fortin, RPA
Benefits Analyst
Recology
San Francisco, CA
Greg J. Frank, RPA
Management Analyst
San Joaquin County Employees
Retirement Assn.
Stockton, CA
Pauline A. Hann, CEBS, RPA
Benefits Manager
Carpenter Funds
Administrative Office
Oakland, CA
Amanda K. Kitz, RPA
El Cajon, CA
Leslie N. Radcliffe, CEBS, RPA
Consultant
Milliman Inc.
San Francisco, CA
Jeffrey L. Shevlowitz, RPA
Retirement Benefits Specialist III
LACERA
Pasadena, CA
Greg A. Thompson, RPA
Fremont, CA
Randall Chuck Woo, CEBS, RPA
Senior Analyst
Equity Risk Partners
San Francisco, CA
COLORADO
Cameron V. Hinshaw, RPA
Account Representative
Mutual of America
Greenwood Village, CO
Leigh M. Hines, RPA
Accounting Manager
IUOE Local 478 Benefit Funds
Hamden, CT
Thomas C. Ito, CEBS, RPA
Aon Hewitt
Norwalk, CT
DISTRICT OF COLUMBIA
Randall G. Urban, RPA
Washington, DC
FLORIDA
John T. Blair III, RPA
Business Analyst
Ultimate Software
Weston, FL
Susan P. Osborne, RPA
Lead Legal ERISA Analyst
American Maritime Officers Plans
Dania Beach, FL
Laurel V. Owens, CEBS, RPA
Assistant Manager Benefits
Broward Sheriff ’s Office
Fort Lauderdale, FL
GEORGIA
Jeffrey Laseter, CEBS, RPA
Director Compensation & Benefits
The Dixie Group Inc.
Dalton, GA
ILLINOIS
Jorge R. Amezquita, RPA
Schaumburg, IL
Karen Walters, CEBS, RPA
Senior Director Compensation
USG Corporation
Chicago, IL
INDIANA
Fred A. Hendricks Jr., RPA
Indianapolis, IN
Lori A. Wenino, RPA
Corporate Benefits Risk Manager
REA Magnet Wire Co Inc.
Fort Wayne, IN
Julie A. Schloss, RPA
Production Support Consultant
Transamerica Retirement Solutions
Cedar Rapids, IA
KENTUCKY
Matthew S. Blewett, RPA
Office Administrator
Education Minnesota ESI
St. Paul, MN
Mary Gisch, RPA
Retirement Plan Manager
Land O’ Lakes
St. Paul, MN
Stephanie Schmidt, RPA
Supervisor Benefits & Payroll
Link-Belt Construction
Equipment Co.
Lexington, KY
Saundra Uligian, CEBS, RPA
Accounting Manager
UFCW & Employers Mid-America
Plan Services
Louisville, KY
LOUISIANA
Frank S. Monzon, RPA
Associate Account Representative
Mutual of America
Metairie, LA
MAINE
Sarah Hartneck, CEBS, RPA
Benefits Consultant
Associated Financial Group
Minnetonka, MN
Clare A. Verplank, CEBS, RPA
Benefits Consultant
Wells Fargo Bank
Minneapolis, MN
MISSOURI
Ronald Conine, RPA
Project Manager
Lockton Companies
St. Louis, MO
Larry M. Cruz, RPA
Ellisville, MO
Lisa M. Kinsey, RPA
Benefits Associate
TD Bank N.A.
Portland, ME
Wendy M. Dayton, CEBS, RPA
Operations Manager
Lockton Companies
Kansas City, MO
MARYLAND
Teresa A. Griffith, RPA
Account Manager
Lockton Companies
Kansas City, MO
Emily Hamlyn, RPA
Linthicum Heights, MD
Carole Maggio, CEBS, RPA
Administrator
Decision Science Inc.
Baltimore, MD
Matthew Kaiser, CEBS, RPA
VP HR Technology & Outsourcing
Lockton Companies
Kansas City, MO
MICHIGAN
Diane M. Damuth, CEBS, RPA
Human Resources Generalist
Kent District Library
Comstock Park, MI
Wendy J. Hill, CEBS, RPA
Benefits Manager
Whirlpool Corporation
Benton Harbor, MI
Marvin J. Turner, RPA
Relationship Manager
TIAA-CREF
Southfield, MI
Margot J. Levy, RPA
Assistant VP Senior
Account Manager
Lockton Companies
Kansas City, MO
Michele Lux, RPA
Senior Benefits Analyst
Bryan Cave LLP
St. Louis, MO
Jennifer A. Vavak, RPA
Account Manager
Lockton Companies
Kansas City, MO
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NEBRASKA
Daniel F. Sullivan, RPA
Office Administrative Assistant
NRECA
Lincoln, NE
NEW HAMPSHIRE
Kay J. May, RPA
Director Progam Manager
Fidelity Investments
Merrimack, NH
TENNESSEE
VIRGINIA
David E. Wichman, RPA
Kew Gardens, NY
Katrina J. Abbott, RPA
Deputy Administrator
Chattanooga Fire & Police
Pension Fund
Chattanooga, TN
Elizabeth F. O’Brien, RPA
Senior Benefits Administrator
AMF Bowling Centers Inc.
Mechanicsville, VA
NORTH CAROLINA
TEXAS
Jolaine Hjardemaal, RPA
AAAA Benefits Inc.
Charlotte, NC
Deanna Johnson Allison, RPA
Senior Benefits Analyst
Alliance Data
Plano, TX
Megan M. Schmidt, RPA
Director of HRIS/Benefits
CP Associations of New York State
New York, NY
Susan M. Strogen, CEBS, RPA
Employee Benefits Representative
University System
of New Hampshire
Lee, NH
Robert D. Parker, RPA
Retirement & Security Technician
NTCA
Asheville, NC
NEW JERSEY
Suzanne Rehr, CEBS, RPA
Chief Compliance Officer
Executive VP
Discovery Benefits Inc.
Fargo, ND
Sabarish Chandrasekaran, CEBS,
RPA
Senior Manager Global Mobility
Cognizant Technology Solutions
Teaneck, NJ
Shin-Ok Ha, RPA
Madison, NJ
Sophia Moise, RPA
Project Director
Federal Reserve Employee
Benefits System
Newark, NJ
Ian Ruegg, RPA
New Jersey Carpenters Health Fund
Edison, NJ
NEW YORK
Andrea V. Allen, RPA
Mount Vernon, NY
Caroline Clements, CEBS, RPA
Benefits Manager
Museum of Modern Art
New York, NY
Megan M. Firestone, RPA
New York, NY
Kevin M. Fox, RPA
Brooklyn, NY
Joanna Gontowska, RPA
Employee Benefits Manager
Richard Meier & Partners
Architects LLP
New York, NY
Shameka S. Grinage, RPA
Benefits Manager
Forest City Ratnor Company
Brooklyn, NY
Germaine D. Jenkins, RPA
Benefits Specialist
Penguin Random House Inc.
New York, NY
Pradeep Hiranya Pitigala, CEBS,
RPA
Director Benefits Accounting
and Reporting
NBC Universal
New York, NY
NORTH DAKOTA
OREGON
Mary Fleming, RPA
Senior Benefits Specialist
Daimler Trucks North America
Portland, OR
PENNSYLVANIA
Adam P. Abbruzzese, RPA
Client Service Manager
Highmark
Pittsburgh, PA
Kelley A. Adams-Verge, CEBS, RPA
Benefits and Wellness Manager
Bucknell University
Lewisburg, PA
Louis V. Caccamo, RPA
Senior Benefits Specialist
University of Pennsylvania
Philadelphia, PA
Charles F. Catagnus, RPA
Collegeville, PA
Denise M. Chulack, CEBS, RPA
Pittsburgh, PA
Nicole Liambeis, RPA
Pittsburgh, PA
Kimberly A. Rumbel, RPA
Plan Manager
NFP Executive Benefits
Jamison, PA
SOUTH CAROLINA
Betsy H. Johnson, CEBS, RPA
Senior Manager eExchange
Production Svcs.
Benefitfocus.com Inc.
Daniel Island, SC
WASHINGTON
Bradley J. Altman, RPA
Dallas, TX
Ross N. Carmichael, RPA
Investigator
Higginbotham Insurance
Agency Inc.
Fort Worth, TX
Brian C. Riehs, CEBS, RPA
Client Consultant
Gallagher Benefit Services Inc.
Tacoma, WA
Holly C. Kalmer, RPA
David K. Young Consulting LLC
San Antonio, TX
Lara S. Kent, CEBS, RPA
Senior Consultant
Holmes Murphy
Dallas, TX
Lindsay M. Laviada, CEBS, RPA
Risk Management Specialist
Southwest Research Institute
San Antonio, TX
Cindy W. Hatch, RPA
Benefits Analyst
Alsco Inc.
Salt Lake City, UT
Tadd V. Helquist, RPA
Benefits Specialist
University of Utah
Salt Lake City, UT
Katie L. Keil, RPA
Account Manager
HUB International Insurance
Services Inc.
Salt Lake City, UT
Wendy K. Poppleton, RPA
Manager of Benefits
University of Utah
Salt Lake City, UT
Adam J. Hoelscher, RPA
Associate
Mercer Health & Benefits
Seattle, WA
Regina R. Nunan, CEBS, RPA
Snoqualmie, WA
Jennifer L. Donaldson, RPA
Houston, TX
UTAH
Andrea S. Hardy, RPA
Financial Research Analyst
Washington Education Association
Federal Way, WA
WISCONSIN
Scott L. Austin, CEBS, RPA
Senior VP Commercial Growth
Aurora Healthcare
Milwaukee, WI
Dottie J. Dykstra, CEBS, RPA
Senior Benefits Analyst
Telephone and Data Systems Inc.
Middleton, WI
Amber Elsner-Miller, RPA
Associate Benefits Analyst
Mercer
Milwaukee, WI
Steven M. Gotthardt, CEBS, RPA
Web Developer
International Foundation of
Employee Benefit Plans
Brookfield, WI
Angela S. Miller, RPA
Commercial Trust
Plan Coordinator II
BMO Harris Bank
Appleton, WI
Connor E. Prahl, CEBS, RPA
Manager Plan Design
and Benefit Systems
Wisconsin Physicians Service
Madison, WI
Thomas A. Roth, CEBS, RPA
Senior Staff Accountant
G/L Operations
International Foundation of
Employee Benefit Plans
Brookfield, WI
Amanda H. Rosenbalm, CEBS,
RPA
Data Analyst
Benefitfocus.com Inc.
Daniel Island, SC
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Compensation Management Specialists (CMSs)
May through October 2014
ALABAMA
FLORIDA
INDIANA
MINNESOTA
Yolonda J. Vinson, CMS
Human Resource Manager
SSAB
Axis, AL
Mary F. Barkley, CEBS, CMS
Orlando, FL
Jocelyn L. Pollard, CMS
Financial Analyst
Gibson
Indianapolis, IN
Jeffery J. Baldeshwiler, CEBS, CMS
Human Resources Manager
Edward Kraemer & Sons
Burnsville, MN
Diana L. Weatherly, CMS
Client Manager
Gibson Insurance Group
Indianapolis, IN
Kelli L. Tindall, CMS
Principal Product Manager
Blue Cross & Blue Shield
of Minnesota
Eagan, MN
ALASKA
Emily L. Smith, CEBS, CMS
Benefits Supervisor
Olgoonik Development
Anchorage, AK
ARIZONA
Therese M. Birk, CEBS, CMS
Director of Operations
Food Services of America
Scottsdale, AZ
CALIFORNIA
Michael D. Orr, CEBS, CMS
Corona Del Mar, CA
Erin M. Schultze, CMS
Benefits Analyst
Barney & Barney LLC
San Diego, CA
Rachael M. Seiberling, CEBS, CMS
Client Advocate
e3 Financial
Newport Beach, CA
COLORADO
Teresa J. Cooper, CEBS, CMS
Highlands Ranch, CO
Sharla D. Gonzales, CEBS, CMS
Benefits Account Executive
Moody Insurance Agency
Denver, CO
Tiffany Gordon, CEBS, CMS
Colorado Springs, CO
Annette M. Sasin, CEBS, CMS
Director of Benefits
InnovAge
Denver, CO
Toni J. Sorenson, CEBS, CMS
Benefits Manager
AlloSource
Centennial, CO
Debra May Love, CMS
Clerk & Comptroller Manager HR
Palm Beach County
West Palm Beach, FL
Emer T. McCaul, CMS
Manpower Planning Analyst
Hewitt Associates
Orlando, FL
Michelle L. Siemer, CEBS, CMS
Senior Manager U.S. Benefit Plans
Brambles HQ
Orlando, FL
GEORGIA
Katherine L. Kay, CMS
Senior Vice President
Human Resources
Georgia Commerce Bank
Atlanta, GA
Julia M. Martin, CEBS, CMS
Benefits Manager
MagMutual Insurance Company
Atlanta, GA
Melisa H. McNair, CMS
Senior Business Analyst
ING
Grovetown, GA
ILLINOIS
Thomas C. Foley, CEBS, CMS
Director Employee Benefits
USG Corporation
Chicago, IL
Jamie Frey, CEBS, CMS
Benefits Administrator
Uline
Gurnee, IL
Kelly Gonzalez, CMS
Senior Benefits Analyst
Ace Hardware Corporation
Oak Brook, IL
IOWA
Kathryn G. Amdor, CMS
Manager Compensation and Benefits
Telligen
West Des Moines, IA
Carmen J. Coletta, CEBS, CMS
Director Compensation & Benefits
Meredith Corporation
Des Moines, IA
Lucas M. Duenser, CEBS, CMS
Employee Benefits Sales Executive
Cottingham & Butler Inc.
Dubuque, IA
Mary J. Johnson, CEBS, CMS
Account Executive
LMC Insurance
West Des Moines, IA
MARYLAND
Susan A. Palfi, CEBS, CMS
Communication & Compliance
Foster Soltoff & Love Ltd.
Bethesda, MD
Layla A. Shields, CEBS, CMS
Client Executive
RCM&D
Baltimore, MD
Annaelyse K. Cordes, CEBS, CMS
Senior Benefits Analyst
Lockton Companies
Kansas City, MO
Wendy M. Dayton, CEBS, CMS
Operations Manager
Lockton Companies
Kansas City, MO
NEBRASKA
Mark J. Ellinger, CEBS, CMS
Director Compensation & Benefits
HDR Inc.
Omaha, NE
NEVADA
Kimberly A. Nagle, CEBS, CMS
Las Vegas, NV
MASSACHUSETTS
NEW JERSEY
Marie A. Panek, CEBS, CMS
Reading, MA
Cathy M. Beauchesne, CEBS, CMS
Manager Health & Welfare
Financials and Compliance
Tyco International
Princeton, NJ
MICHIGAN
Douglas B. Bryant, CMS
Novi, MI
CONNECTICUT
Gina M. Mortimer, CEBS, CMS
Senior Benefits Analyst
MMA
Milford, CT
Kaitlyn A. Laduzinsky, CMS
Account Manager
Assurance Agency
Schaumburg, IL
Michelle K. Jockheck-Keeler, CMS
Compensation Analyst
Sparrow
Lansing, MI
Lauren D. Shevlin, CEBS, CMS
Consultant
Mercer
Norwalk, CT
Vesna Zic, CMS
Benefits Coordinator
Dynomax Inc.
Wheeling, IL
Andrew P. Nay, CMS
Hostetler Fontaine & Associates
Lansing, MI
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and updates, apply for courses
Andrew J. Burns, CMS
Account Manager
Sun Life Financial
Kansas City, MO
Michelle Jantsch, CEBS, CMS
Account Administrator
Lockton Companies
Kansas City, MO
Kasima Imamovich, CMS
Senior Data Analyst
General Board of Pension
& Health Benefits
Glenview, IL
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MISSOURI
Suzanne M. Chan, CMS
Director Human Resources
Auto Owners Insurance Company
Lansing, MI
Christine A. Bottiglia, CMS
Associate Director
Retirement Benefits
Verizon Corporate Services
Basking Ridge, NJ
Ludwig Hoogstoel, CEBS, CMS
Summit, NJ
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Michael L. Lefchak, CEBS, CMS
Senior Associate Benefits
Federal Reserve Office
of Employee Benefits
Newark, NJ
Funmi T. Olaoluwa, CEBS, CMS
Newark, NJ
NEW YORK
Jacqueline Arroll, CEBS, CMS
Benefits Director
Cushman & Wakefield Inc.
New York, NY
Laurie A. Conan, CEBS, CMS
Manager Compensation Benefits
and HRIS
St. Luke’s Cornwall Hospital
Newburgh, NY
Christin A. Haywood, CEBS, CMS
Human Resource Manager
Abundant Life Christian Center
East Syracuse, NY
Heidi L. Kauz, CEBS, CMS
Client Service Manager
Fidelity Investments
Massapequa Park, NY
Pradeep Hiranya Pitigala, CEBS,
CMS
Director Benefits Accounting
and Reporting
NBC Universal
New York, NY
NORTH CAROLINA
David A. Pinette, CEBS, CMS
Human Resource Director
Machine & Welding Supply Co.
Dunn, NC
NORTH DAKOTA
David M. Johnson, CMS
Bismarck, ND
OHIO
Jennifer N. Anaya, CEBS, CMS
Senior Associate
Mercer
Columbus, OH
PENNSYLVANIA
TEXAS
WASHINGTON
Brittaney I. G. Brewer, CMS
Benefits Consultant
Brown & Brown of PA LP
Philadelphia, PA
Brooke D. Arldt, CMS
HR Manager Benefits
and Compensation
Pedernales Electric Cooperative
Johnson City, TX
Erica C. Brindza, CMS
Health and Benefits Analyst
Mercer
Seattle, WA
Jennifer A. Keashon, CMS
Manager Payroll and Benefits
Giles & Ransome
Bensalem, PA
Sharyn M. McCormick, CMS
Senior Consultant
Banyan Consulting LLC
Mechanicsburg, PA
Maria Metzger, CEBS, CMS
Senior Group Sales Associate
Symetra Life Insurance Company
Exton, PA
Sarah M. Naraghi, CMS
Senior Human Resources Manager
TMNA Services LLC
Bala Cynwyd, PA
Lauren H. Petzar, CMS
Human Resources Generalist
Alpha Systems
Glenside, PA
Pamela Y. Polk, CEBS, CMS
Investigator
U.S. Department of Labor EBSA
Philadelphia, PA
RHODE ISLAND
Ginnette Aramboles, CMS
Coventry, RI
SOUTH CAROLINA
Margaret C. D’Erasmo, CEBS, CMS
Senior Manager Employer
Implementation
Benefitfocus.com Inc.
Daniel Island, SC
Brittany C. Foster, CMS
Mount Pleasant, SC
Rachel M. Irby, CEBS, CMS
Data Import Specialist
Benefitfocus.com Inc.
Daniel Island, SC
Jessica L. Barefoot, CEBS, CMS
Cypress, TX
Stephen R. Candler, CEBS, CMS
Human Resources Director
Flowserve
Irving, TX
Thomas D. Curtis, CEBS, CMS
HR Specialist Benefit Financials
Hess Corporation
Houston, TX
Nancy D. Edgar, CMS
Senior Compensation Analyst
Hendrick Medical Center
Abilene, TX
WISCONSIN
Brenda L. McCumber, CEBS, CMS
Payroll & Benefits Coordinator
Blackhawk Community
Credit Union
Janesville, WI
Donna M. Pierson, CEBS, CMS
Benefits Manager
Veolia Environmental Services
NA Corp.
Milwaukee, WI
Joshua C. Pollock, CMS
Benefits Specialist
Walworth County
Elkhorn, WI
Jenny R. Finney, CEBS, CMS
Benefits Manager
KBR
Houston, TX
Christina G. Giese, CEBS, CMS
Senior Director Human Resources
Stage Stores Inc.
Houston, TX
Courtney S. Head, CMS
Benefits Manager
Hendrick Medical Center
Abilene, TX
Robbie L. Hickman, CMS
Director Benefits & Compensation
Stage Stores Inc.
Houston, TX
Laura B. Wilde, CEBS, CMS
Benefits Specialist
Oil States International Inc.
Arlington, TX
Regina R. Nunan, CEBS, CMS
Snoqualmie, WA
Paul A. Seifert Jr., CEBS, CMS
Senior Vice President
Security Insurance Services Inc.
New Berlin, WI
SINGAPORE
Xiang Jun M. Loh, CEBS, CMS
Reward Analyst
BP Singapore
Singapore
UNITED ARAB EMIRATES
Vinaya Visalam Sasidharan, CEBS,
CMS
Senior Human Resources Specialist
KBR Middle East Benefits
Dubai
VIRGINIA
Stacey N. Peck, CMS
Compensation and Benefits
Administrator
Alps Corporation
Richmond, VA
Linda A. Langman, CMS
Client Service Executive
Hylant Group Inc.
Independence, OH
Mark R. Schneider, CEBS, CMS
Client Executive
The Hylant Group
Independence, OH
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Snow Better Time to Save!
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