ADVERTORIAL

A letter from Rachel Sapoznik Insurance has reached the major milestone of being in business for 30 years. Rachel Sapoznik’s letter to valued clients, amazing team members and supportive business partners. PAGE 2

Healthy Employees, Healthy Bottom Line

BRAT LE IN E G C

Y E A R S

Where Health Philanthropy & Wellness Program Managing a Benefits Core Values Blueprint Multi-Generational For 30 years, we have been the Philanthropy, charitable outreach, The Sapoznik Wellness Program Workforce trusted partner for employers hoping and social responsibility are Blueprint asks the questions and Transformation is making your workforce more to implement and benefit from an in the DNA of any successful provides step-by-step guidance array of best-in-class workplace business. It transcends bottom- to create a healthier workplace. diverse than ever. With four generations often health, wellness, benefits, and line performance by striving to Through planning, organizations can working side by side, the right guidance can insurance needs — and employees make a real difference by doing enjoy the benefits that come with help you identify similarities and differences - hoping to pursue healthier lives. what’s right in our community. healthier lifestyles. and create one fully integrated team. PAGE 3 PAGE 4-5 PAGE 6 PAGE 8 ADVERTORIAL 2 HELLO. A LETTER FROM RACHEL

Dear valued clients, amazing team members and supportive business partners,

Sometimes life throws you a curve ball, and you end up hitting a home run. That curve ball led me to found Sapoznik Insurance in 1987 from my home. Today, having reached the major milestone of being in business for 30 years, I am so very proud to say that the company is currently the largest employee benefits agency, as well as one of the largest independently owned agencies, in the South region.

Thirty years ago, we were one of only a few agencies that recognized the need for education in the employee benefits sector. My vision was to ensure that employers and employees wholeheartedly understood their benefits, and in turn would be healthier and more productive. Today, this still remains our company purpose — empowering employees to achieve physical and financial well-being. My passion continues to be helping people to achieve great health, so that they can live fuller, more productive lives.

In this special section, I am incredibly excited to showcase how Sapoznik Insurance, based locally in North Beach, has been creating an employee benefits paradigm shift from “sick care” to “well care.” I am also excited to share information about a few of our esteemed clients, some of whom took a chance on me 30 years ago.

Achievement and success don’t happen by accident — it takes a village. I am overwhelmingly grateful for each and every incredible team member, partner and loyal Rachel Sapoznik customer who have helped shape who we are at Sapoznik Insurance.

Over the past 30 years, not only have we grown as a business, but we have also continued our commitment to social responsibility through our initiatives in the wonderful communities we serve. Whether spearheading a fundraiser for developmentally challenged children, mentoring future business leaders or teaching kids about the importance of healthy eating, we strongly believe in the value of giving back to our community and our country. This is evident through our longtime involvement with JAFCO (Jewish Adoption and Family Care Options), as well as The Education Fund.

We will happily continue to evolve on our journey toward physical, mental and financial wellness through our approach to employee benefits. I hope you enjoy reading about Sapoznik Insurance, some of our valued clients and nonprofit organizations with which we work.

Here’s to the next 30!

With gratitude and appreciation, BRAT LE IN E G C

Y E A R S ADVERTORIAL 3 INTRODUCTION ABOUT THIS SUPPLEMENT

Over 75% of health costs are due to preventable chronic conditions According to the CDC, National Center for Chronic Disease Prevention and Health Promotion, chronic diseases are non-communicable illnesses that are prolonged in duration, do not resolve spontaneously, and are rarely cured completely.

Preventable Chronic Condition Non-Preventable

80% 20% Heart disease & stroke 40% SAPOZNIK INSURANCE: 60% Cancer Where Health Benefits 66% Sapoznik is ’s leading employee benefit and wellness 34% solutions provider. For 30 years, we have been the trusted partner for Overweight employers hoping to implement and benefit from 13% an array of best-in-class workplace health, 88% wellness, benefits, and insurance needs — and Risk of diabetes employees hoping to pursue healthier lives. Sources: National Center for Chronic Disease Prevention and Health Promotion he plans, programs, people, and partners profiled in this T supplement reveal the real impact Sapoznik’s health- and wellness-focused benefits programs can deliver. As companies ABOUT OUR LOGO: have discovered, a leading-edge benefits program is about more than creating a “healthy workplace.” It means designing plans and educating employees about the The Infinity Symbol holistic continuum of amenities that elevate the lives of workers and At Sapoznik, we believe teamwork is the key to creating their families. From promoting healthy diet and exercise, suggesting effective insurance, benefits and wellness solutions. We on-site café menu and delivery options, offering corporate gym and fitness depict this collaborative philosophy with the Sapoznik membership discounts or on-site workout facilities and classes, to — yes — infinity symbol, which captures the relationship between including a host of medical and health insurance options designed to meet every need, a healthy ourselves, our clients and their employees. workplace creates a halo-like environment that touches almost every part of the employee’s daily life. For 30 years, Sapoznik Insurance has fostered and honed these programs for hundreds of companies First, we empower the employer by equipping them nationwide. The benefits — from healthy, engaged employees to bolstered ROI — are undeniable. Because with the necessary tools, such as strategic benefits, at Sapoznik Insurance, “Where Health Benefits” is more than a slogan. It’s the path to healthier living. communications and wellness education. In turn, the employer enables its employees to become healthier, happier and more productive.

BENEFITS U.S. Department of Health and Human Services 2012 report revealed that Sapoznik is the link between the employer and the FOR BUSINESS at worksites with physical activity programs, employers have: employee. By forging an integrated team, we enable our clients to realize improved operations, happier employees and a healthier bottom line for themselves and their stakeholders. This is the Sapoznik way. $3.27 $2.73 2-52%

Decrease in medical costs for every Decrease in absenteeism Increased $1 spent on wellness programs costs for every $1 spent productivity ADVERTORIAL 4 PHILANTHROPY & CORE VALUES

Philanthropy & Core Values Go Hand in Hand

Sapoznik, philanthropy and charitable line. It’s about doing what’s right. At Sapoznik, At outreach are part of who we are. From social responsibility is at the very core of our the CEO’s office to the receptionist’s desk to every foundation. It is fundamental to who we are, because team member who works closely with our clients, we wholeheartedly believe that we can make a each employee embraces our core values that take difference. Whether spearheading a fundraiser for charitable outreach well beyond sitting on a board or developmentally challenged children, mentoring writing a check. future business leaders or teaching kids about the We get our hands dirty — literally. We’ve built importance of healthy eating, we strongly believe in gardens, participated in Teach-a-Thons, and served as the value of giving back to our community and our role models for our public schools. We’ve fundraised country. That’s why we take a hands-on approach and delivered materials for area teachers and to helping a host of charitable organizations. We are backpacks brimming with school supplies for children. proud to consistently be recognized as one of the top We’ve donated bikes and helmets to the City of North philanthropic companies in our community. Miami Beach, where our company is headquartered, We bring meaning and results to charitable and civic volunteered at food banks, distributed turkeys for engagement that touch and speak to our community’s Thanksgiving, collected clothes for the homeless at cultural, ethnic and religious diversity. After all, with Miami’s Camillus House, and spearheaded capital team members from the African American, Muslim, campaigns for foster and group homes. Being Rachel Sapoznik and Udonis Haslem, Miami Heat at The Education Fund’s Public Jewish, Caribbean and Latin American communities, successful in business isn’t just about the bottom Schools Alumni Achievement Awards. Alumnus of Distinction Award. at Sapoznik, we are the face of diversity.

Trivest Partners: Braman Motors: Bringing Equity to Business Promises Kept For Chip Vandenberg and his fellow partners at Throughout his life and career, Norman Trivest Partners, the Coral Gables-based private Braman has been a football team owner, a equity firm brings a lengthy legacy as a senior luxury auto retailer, a civic advocate, and player in the private equity space. Since its a staunch adversary against use of public founding in 1981, when there were no more than money for private entities. 75 private equity firms nationwide, the company has grown as the industry has grown in kind. His namesake company, Braman Today, the U.S. has 3,000 PE firms nationwide. Enterprises, epitomizes the world-class “experience” Braman has pursued. Norman Yet, Trivest is unique and brings a wholly Braman’s team understands that to be different approach to a highly differentiated successful, they must do more and be more target audience. With almost 300 transactions to elevate each customer’s experience. closed to date, Trivest only partners with family- and founder-owned businesses with between It’s an ethos employed since Braman opened $20 million and $200 million in revenues. his first auto dealership in , the same city where he worked as a teen as a With baby boomers in control of 80 percent water boy for the — a of U.S. companies under $300 million in Chip Vandenberg team he bought in 1986. Today, he demands revenues, and 10,000 of the demographic the same from 1,000 employees. retiring daily, many seek an exit. partners Jamie Elias, David Gershman, Jorge “We at Braman Motorcars understand that for Yet, they’re too small to go public, and too Gross, Forest Wester, and Russ Wilson. us to be successful, we must do more and connected to “their baby” and too fearful be more to elevate your experience to that of of a rough transition to sell to a competitor. Being closely knit, it was important that Trivest World Class. This is what we strive for that Most would like to grow the business, and take care of its own. It brought Sapoznik differentiates Braman from our competition Norman Braman the “vast majority like the second bite at the onboard initially to discuss how the Affordable so that the car you select to own is measured apple.” Where most PE firms seek to sell no Care Act would affect its health benefits. The alongside the dealership you choose”, notes more than three years after their making their agency at the time reviewed all 19 Trivest- a Braman company executive. the needs of a “particularly challenging” investment, Trivest holds its investment for up owned entities. Its analysis revealed how benefits and wellness environment. Devising to six years. It institutionalizes the businesses to save some $2 million by consolidating its It’s the same in the community. His innovative, onsite wellness programs, the from a reporting and operations standpoint. If benefits programs, while saving employees on organization supports Toys for Kids, agency turned around what had been a “mish the management team wants to stay around, deductibles. homeless teens, and a host of other causes. mosh industry with a clear lack of focus we they’re invited to invest in the company to own He helped create Art Basel Miami. had to deal with each year,” he says. First, equity alongside Trivest. “Rachel deals with middle market companies Rachel won over Braman’s CFO. Next, she just like us. She gets their needs, understands Braman has created more than a dealership. won the business. Today, she keeps her word. “It’s pretty cool, and we have a lot of fun what their passions are for their people, and He’s created a lifestyle in which his team because it’s their baby,” he says. she sets up programs with her contacts,” he doesn’t just get customers behind the wheel. “People make promises all the time. There’s says. “She’s incredibly honest and bright, with His team gets them “in front of the action.” a big difference between promises and Trivest has seven partners in the closely a great team of people. It’s not like you’re performance,” he says. “Everything she told knit firm. Aside from Vandenberg, partners dealing with a giant firm. You’re dealing with Because of his commitment to his team, our people not was just lived up to, but she include managing partner Troy Templeton, and someone who really cares.” Braman has relied on Sapoznik to meet far exceeded everything she promised.” ADVERTORIAL 5 PHILANTHROPY & CORE VALUES

JAFCO: The Education Fund: Kids’ “Single Point of Contact” Improving Achievement, for a Brighter Future One Student and Plant at a Time

To Sarah Franco, founding executive director In a school district where 75 percent of students qualify for with JAFCO in Sunrise, the mission is to give federal food aid, sometimes building an appreciation for every abused and neglected child a place to healthy options and choices can make a dramatic difference in belong. The organization serves as a single student achievement. point of contact for any family that is in crisis or struggling with issues related to parenting With that premise in mind, The Education Fund, which supports and family stability and how it affects children, the Miami-Dade County Public Schools system, uses “innovation, including those with developmental disabilities. information, and investment” to provide the resources and support to improve student performance in the classroom, says Linda JAFCO’s continuum of services includes foster Jacob Solomon Lecht, president of the non-profit organization. care, adoption, family preservation, mentoring, independent living and developmental disability It began a generation ago with the Citi Success Fund. The programs. The JAFCO Children’s Village Greater Miami Jewish Federation: program provided microgrants — now called “innovator grants” includes an Emergency Shelter and Six Group The Face of Tzedakah — that encourage teachers to come up with entrepreneurial Homes for up to 50 children. The JAFCO ways to engage at-risk students and reduce drop-out rates. The Children’s Ability Center supports families To Jacob Solomon, the Greater Miami Jewish program has reached more than a million students and has been raising children with developmental disabilities Federation is a modern day snapshot of a taken to other markets nationally and internationally, Lecht says. by 24 / 7 / 365 family support, therapy, child community structure that has served the Jewish enrichment and respite care all under one roof people for millennia. Another program, Ideas with Impact, provides seed funding to for families and children up to age 22 with any expand and share teachers’ innovative methodologies that have developmental disability. Its mission and belief is based on basic, timeless proven successful in improving public education. principles intertwined through the ages to Jewish Now celebrating 25 years in operation, JAFCO values themselves. Simply put, “the Jewish people The team at Sapoznik has been involved in the organization’s has grown from an annual budget of $50,000 believe we are all responsible for one another. We Teach-a-Thon, which tracks and rewards for how much time to $8.5 million and from one to 150 employees. are all part of one organic whole,” says Solomon, a citizen can spend in the shoes of a teacher. The effort has Its needs have grown in kind. A capital president and CEO of the organization, which raised hundreds of thousands of dollars for classrooms — and campaign to fund the ability center seeks to was founded in 1938 in response to Kristallnacht, opened the eyes of the community into what teachers face daily. building an operations endowment. Whether considered the start of the Holocaust. The Taste of Education — a kind of student-run Wine and Food it’s JAFCO’s “Silver Heart Society,” “Godparent Festival — brings in celebrity chefs from culinary high schools Circle” or its “Circle of Help,” JAFCO’s needs For generations, the Federation has been a and area restaurateurs to judge a student cooking competition. are constant. But its mission hasn’t changed. unifying force for Jewish community-building and philanthropy in South Florida and the world. It has One of the most creative and compelling programs which seeks “I’m most proud if someone calls today, addressed antisemitism in Ukraine, responded to to transform students’ appreciation for food and learning is and needs to come in today, they will be in attacks on Jews in France, provided scholarships Food Forests for Schools. The initiative, which Rachel Sapoznik today,” says Franco, who is proud to have to local children who cannot afford a Jewish has been closely involved with, surrounds elementary school Rachel Sapoznik serve as vice president education, and tended to elderly Holocaust students with “forests” of edible plants. Whether Barbados of the Children’s Ability Center and head of survivors in Miami. It helps settle immigrants in cherries, cranberry hibiscus, meringue trees, or Malabar or fundraisers that have raised close to $1 million. Israel and has supported aid for victims of natural Okinawa spinach, these plants create lush groundcover and “We just focus on helping families in crisis.” disasters in Haiti, Nepal, and Mexico. thick canopies of densely nutritious plants.

The Federation epitomizes the global nature of At 16 edible gardens at schools county-wide, teachers teach volunteerism, philanthropy, and engagement. In subjects related to the gardens, from the science of plants and Hebrew, it’s called tzedakah. But to Solomon and his the climate to vocabulary that describes plants’ texture. people, it’s more than “charity.” It’s a moral obligation. “We turn it into an Solomon likens this obligation to the role Sapoznik Linda Lecht outdoor laboratory plays in his organization. With programs, benefits, for the students,” and even counseling open to his employees and she says. “Not only their families, the Federation and its health and can they eat it, but benefits provider help ensure better living for all. it improves their knowledge of science, By doing so, the Federation, its board, and and language and its supporters are building Jewish knowledge, nutrition.” identity and peoplehood — and ensuring the next generation of Jews. The Education Fund supports the Miami- “Our focus on the Jewish identity of the next Dade County Public generation and beyond is going to be critical,” he says. School system. “We demonstrate to the world and ourselves that Sarah Franco we have a responsibility to do our part in serving the broader community.” ADVERTORIAL 6 WELLNESS

MORE THAN A Trusted HEALTHCARE: Approach by a Proven Partner Employee-Driven How do we describe the Sapoznik approach? Wellness Hands-on and very personal. From initial sign up to wellness program introduction, from first claim to final resolution, we take ownership of your insurance needs and issues.

Our Benefits Account Champions, Benefits Support Ambassadors he American workplace in recent years has and Claims Advocates are part of T embraced a new view of healthcare. It’s about the Sapoznik Team, hand-picked more than reactively dealing with medical problems as What’s Your Wellness for their impassioned approach they arise — and often ending up with doctor’s visits or Program Blueprint? and commitment to becoming hospitalizations. part of each client’s organization Today’s progressive and healthy employers need and culture. They’re on a first- It centers on promoting healthy lifestyles. a plan to achieve optimal employee and company name basis with our clients, and health. The Sapoznik Wellness Program Blueprint even know their children and life At a time when fewer than 30 percent of employees asks the questions and provides step-by-step milestones. consider their healthcare as well-care, the Sapoznik guidance to create a healthier workplace. Wellness Team is flipping the equation and helping When you have an issue, employers and employees view wellness as central to that’s when we shine. better living. Introducing corporate wellness into STEP Establish Mission. Why are we You don’t call your insurance the workplace has a profound impact on healthcare 1: doing this? To control healthcare costs provider. We’re your first line of costs, morale and productivity. through employee engagement. customer service. One call to your Sapoznik Account Management Our programs go beyond the diet, exercise, weight loss, Team and we take over. Set a Measureable and smoking cessation, onsite biometric screenings, gym Specific Goal. Employees are a STEP memberships, and incentive programs that reward good proactive part of the solution to reduce If an employee’s day is too 2: health. Our education-based approach helps create healthcare costs, reduce absenteeism, and busy to discuss issues, we can excitement among employers and employees. This improve employee engagement. schedule an after-hours call. strengthens employee adoption and commitment.

That’s only the We help people get healthy — and in control of their Assessment. Use Personal Health beginning. When a covered bodies. STEP 3: Assessments (PHA) and biometric employee was in the hospital screenings to establish a baseline. and needed to sign a document, And we know that having a healthy company starts at we made a visit. When another the top. We work with Human Resource administrators, employee was diagnosed with a owners, CEOs, and executive team members to help Program implementation. terminal illness, one of our Claims Based on the assessment, deploy specific them understand why healthy employees are vital to their STEP Advocates helped him navigate financial success. We work with employees to get them 4: initiatives to aggregate findings and and smooth the insurance claims invested in the company vision. influence the program. Monitor results at process. She visited the family six- and 12-month intervals. in the hospital and even worked This focus on wellness creates a paradigm shift in the with his wife to secure the family’s way that executives look at benefits — and employees Benchmark. Evaluate company results survivor benefits. view health. against baseline. Track impact on medical STEP claims versus peers and national average. Our deep relationship with the Employee buy-in is essential. For workplace wellness 5: Re-evaluate the current program, making the major carriers, and thorough programs to work, employees must trust the program, the necessary modifications for the next year. training in each providers’ claims employer, and the motives. When workplace wellness process means we have their ear is viewed holistically beyond reduced claim expenses, and the essential skills to resolve employees are happier and healthier. Productivity and job Through planning, organizations can enjoy the your issues — quickly, thoroughly, performance rise. Absenteeism drops. Equally important, and hassle-free. benefits that come with healthier lifestyles. And wellness initiatives improve workers’ health consciousness. that can boost any company’s bottom line. The equation flips. And everyone benefits. ADVERTORIAL 7 ABOUT SAPOZNIK ABOUT RACHEL

(From left) Reggie Scales of Comcast Business, honoree SAPOZNIK: Rachel Sapoznik, Pat Nelson of AvMed, and Melanie Dickinson, South Florida Business Journal at the South Florida Business Your Trusted Benefits Journal Ultimate CEO Awards. & Wellness Partner Since 1987 Sapoznik, your organization’s health is our business. And it’s a At very personal relationship. Sapoznik has been South Florida’s health, wellness, and benefits partner for 30 years — and that speaks volumes to the role we play in the lives of our clients, their employees, and the community we all call home.

We’re more than an employee benefits agency. We’re a central part of an integrated team that bridges the employer and the employee. We RACHEL SAPOZNIK: partner with clients to give them customized products and services that fit the unique needs of their workforce. After all, a healthy employee equals a healthy bottom line. Learning and Sharing

As an extension of our clients’ Human Resources Department, we deliver Life’s Lessons Benefits Administration, Compliance Support, Claims Advocacy, Insurance Guidance, Decision Support, Wellness Programs and Services, a robust technology infrastructure including Telemedicine, and On-line Enrollments, achel Sapoznik has lived the classic transforms our expertise in wellness into a as well as Education and Organizational Guidance. R American success story. Born in North healthier bottom line for our clients. Miami Beach to immigrant parents, Spanish We’re the partner at our clients’ side for the long haul. We’ve developed the was the first language in her household. As And Rachel is considered an industry visionary infrastructure, deep industry insights, technology solutions, and relationships a child and teen, while her peers danced or whose solutions to today’s healthcare to help employers and their employees throughout the country. Many of did gymnastics, Rachel pursued volleyball, challenges can create a healthier tomorrow our team members are career insurance professionals versed in plan basketball, and softball — team sports that while improving a company’s bottom line. design, coverage and policy expertise, renewal negotiations, marketing and sharpened both her competitive skills and team communications, wellness, benefit optimization, account engagement, on- ethos. Now in its fourth decade, Sapoznik and Rachel boarding, and claims advocacy. show no sign of slowing down. In 2015, she The lessons she learned on the field of play still authored the book, “A Passion for Wellness: We’re large enough to provide a robust set of benefits, health, and wellness resonate today and influence how the Sapoznik Healthy Employees, Healthy Bottom Line,” services, but also dedicated to taking our relationship beyond a process to a team performs for their clients. which was on Amazon’s best seller list for new personal pursuit of good health and — when necessary — issue resolution. releases. She’s been celebrated as a South One of the biggest lessons — one of self- Florida Business Journal Ultimate CEO in Most importantly, we’re local, impassioned, and committed to devising sufficiency borne from the whim of corporate 2016, a 100 Outstanding Women of Broward customized employee benefit programs that meet the needs of local and fancy — came soon after the birth of her second County Honoree in 2017, an Enterprising national clients in retail, government, automotive, and a host of other sectors. child. Rachel was fired by a major insurance firm Women of the Year Award Honoree in 2017 that offered no maternity leave, but still required and the 2017 Silver Stevie® Award winner for Our mission and brand promise speak to the role we play in employees’ and the new mom to maintain her sales quota. Female Entrepreneur of the Year in Business employers’ lives. Services. Her agency has been recognized as “We were a two-income household so I was a leading regional insurance agency, a top-10 As stated in our Core Values: Empowering Employees to Achieve breastfeeding and making cold calls,” she woman-owned business, and is among the Top Physical and Financial Well-Being. recalls. Looking back, it was a blessing. “My 100 Minority Businesses by the Greater Miami greatest satisfaction was being able to Chamber of Commerce. For employers, our brand promise is to provide guidance and direction with take what was a negative, and not letting a consistent, hassle-free experience that delivers bottom line results. Our that keep me down while building this In the community, she’s a leading philanthropist clients have entrusted us to give them customized products and services business that has been my life’s work.” deeply involved in charities that improve the that fit the unique needs of their workforce and help stabilize the costs lives of children, including JAFCO and The associated with their benefits programs. In turn, this encourages employee After landing a succession of clients, Rachel Education Fund. engagement, delivers a healthier workforce, and helps improve ROI. quickly realized that education was vital to improving people’s health. She and her Children play an even more meaningful role in As we enter our fourth decade, we seek to excel beyond our current team began introducing their unique vision of Rachel’s life. Remember that child whose arrival achievements and are constantly evolving in our journey — keeping with our wellness to clients across the country. was the impetus for the agency’s creation? He anniversary theme: “30 and Climbing to New Heights.” and his two siblings work in the family business. Today, Sapoznik is the fourth-largest insurance agency in the region with a variety of corporate “With my children and team at my side, clients benefiting from a wellness-centered Sapoznik is my family helping our clients’ approach. By partnering with businesses that families,” she says. “That’s the mission of a true truly care about their employees, Sapoznik family business.” ADVERTORIAL 8 TIPS FOR MANAGING A MULTI-GENERATIONAL WORKPLACE Today, people from many generations are working alongside each other, all trying to contribute to the same mission. Use this infographic to help better understand your employees and to improve things like work enviroment, management style and employee productivity.

BABY BOOMERS (1946-1964) GENERATION X (1965-1981) Work Ethic: Workaholics, competitive Work Ethic: Efficient, self-reliant Preferred Work Environment: Democratic Preferred Work Environment: Flexible and fun Interactive Style: Team player, loves meetings Interactive Style: Entrepreneur Motivated by: Recognition, being valued and monetary rewards Motivated by: Freedom, removal of rules and time off For HR managers, baby boomers best respond to: For HR managers, Gen X-ers best respond to: ● Honest, simple language on benefits programs and financial ● Casual informational sessions planning ● Benefits offering to help build a secure future ● Financial scenarios versus conversations ● Information on retirement and employers matching 401(k) ● Messages about how to conserve/pass on their wealth to the contribution amounts next generation Most valued benefits: Work-life balance, career opportunity, Most Valued Benefits: Salary, health insurance and retirement plan 401(k) and salary MILLENNIALS (1982-1994) GENERATION Z (1995-2012) Work Ethic: Ambitious, multi-tasker, tenacious Work Ethic: Intense, pragmatic, project-oriented Preferred Work Environment: Collaborative, creative and Preferred Work Environment: Collaborative, fun, flexible and continuous feedback clearly defined chain of command Interactive Style: Participative Interactive Style: Entrepreneurial, face-to-face, teamwork Motivated by: Autonomy, trust and time off Motivated by: Opportunity for advancement, participatory For HR managers, millennials best respond to: decision-making and being involved ● Frequent feedback on performance, both good and bad For HR managers, Gen Z-ers best respond to: ● Open communication lines with HR and managers ● Honest and open communications from HR and managers ● Multi-platform employee-facing communications about benefits ● Expansive voluntary benefits offerings offerings, open enrollment, etc. ● Messages about how to plan for their financial and physical Most valued benefits: Paid time off, ability to work remotely, benefit well-being choices, wellness initiatives Most valued benefits: flexibility, salary, health insurance, assistance with student loan debt MEET OUR PASSIONATE TEAM PROVIDING SOLUTIONS FOR YOUR DIVERSE WORKFORCE

877.948.8887 Thank you for 30 years! www.sapoznik.com