www.slenterprise.com December 9-15, 2013 Volume 43, Number 17 $1.50

Insurance & Group submits development, Group Benefits pages 13-19 Sponsored by: air quality recommendations and training of young people, more funding this will help give you some context as to Brice Wallace for tourism promotion, steps to improve where that legislation is coming from,” The Enterprise public awareness about air quality issues Wilson told the Economic Development and increased use of electric and natural gas and Workforce Services Interim Committee After two years of study, a legislative vehicles. at its most recent meeting. group has produced 34 recommendations The Economic Development Task Separate task forces for economic pages F1-F8 designed to improve economic develop- Force did not recommend any specific development and air quality were consid- ment and air quality in the state. legislation but measures are likely to result ered but were combined in a bill late in the If the recommendations become reality, from the report, according to the group’s co- 2012 general session. The 16-member task Utah could see more collaboration between chairman, Rep. Brad Wilson, R-Kaysville, force had 15 meetings. Its 34 recommenda- government entities at all levels, more long- “I think you’ll see legislation coming tions are under seven policy findings: eco- term planning, tax reform to help spark from many of these recommendations over business growth, better career counseling the course of the next couple of years, and see STUDY GROUP pg. 4 Utahns still worry over jobs, schools and environment Although Utahns continue to rate their quality of life high, they still have concerns about things like public schools, job avail- ability and air and water quality. The recent- ly released biennial Utah Foundation Quali- ty of Life Index now stands at 78.2, up from 77.2 in 2011. The 2013 report was released last week. Produced in collaboration with Inter- Eastern Utah may be the site of the West's first nuclear-powered electricity generation plant since 1993 — like mountain Healthcare, the index is updated this recently opened one in Europe — thanks to a recent water rights ruling in the 7th District Court. every two years to track how Utahns per- ceive changes in quality of life and the rea- sons for those changes. Although the over- Judge rules in favor of water all rating improved, some factors are still viewed as having below average quality. Highlights of the report include: rights for nuke plant developers • Utahns feel that safety and security, River water for cooling the plant once it is public schools, air quality, excellent health- John Rogers built. The decision came in response to a care, and opportunities for good jobs are The Enterprise lawsuit filed by environmentalists and wa- most important to their community quality ter users that tried to block a decision made of life. The developers of a proposed nuclear previously by Utah state water engineer • Six factors should be considered ac- power plant near Green River have cleared Kent Jones to allow the water usage. tion items because their importance was rat- a major hurdle in their quest to become the The decision effectively ends involve- ed above average but their quality was rated builders and operators of the first such plant ment by Utah officials in the process by below average. These factors are availabil- commissioned in the West since 1993. Sev- which the power plant will receive the nec- ity of good jobs, public education, accep- enth District Court Judge George Harmond essary permits to allow construction to be- tance of one another’s differences, air and ruled in late November that Provo-based gin. According to Blue Castle president and water quality, affordable housing, and other Blue Castle Holdings may access Green see WATER pg. 3 see QUALITY pg. 20

John Walton Business Banking BUSINESS LENDING Sr. VP Team Leader (801) 924-3633 IS OUR BUSINESS 711 S. State St. (801) 532-7111 SBA Loans · 504 · Commercial Mortgage · LOC Salt Lake City, UT 84111 2 · December 9-15, 2013 · The Enterprise - Utah's Business Journal Cruise company opens SLC SNF begins Sandy housing project Security National Financial ment of this site in the early 2000s, “This project provides a key hous- sales and reservation office Corp. has announced the ground- but the project was placed on hold ing component as we look to repo- breaking of Dry Creek at East Vil- prior to the recent economic re- sition the destination opportunities American Cruise Lines has announced its expansion to the lage, a 282-unit multifamily de- cession because the company was while enhancing the quality of life Salt Lake City area with the opening of a sales and reservation velopment in Sandy. Company concerned about the possibility of for the area.” center scheduled for mid-January 2014. The center, located in officials believe that the develop- overbuilding of multifamily prop- The first phase of develop- Sandy, will initially open up more than 35 sales positions. The ment will complement its portfo- erties in the area, according to a ment consists of six apartment company is currently hiring for positions, including managers, su- lio of real estate assets held by its statement. A year and a half ago, buildings and one state-of-the-art pervisors and trainers. other subsidiaries. the company revisited the project clubhouse. Amenities include di- Headquartered in Connecticut, American Cruise Lines spe- Grading for the first phase with the goal of developing a new rect connections to miles of hik- cializes in luxury river and coastal ship cruises in the United of the nearly 40-acre mixed-use, multifamily facility in the Greater ing and biking trails, a creek side States. It carries passengers from all over the U.S. and around the transit-oriented development be- Salt Lake City market. stroll, a resort-style pool, a private globe. The line has experienced a high growth rate, adding new gan in mid-October. The project Sandy Mayor Tom Dolan said theater, a demonstration kitchen in ships and itineraries each year, most recently returning overnight will be the first project to be com- in welcoming the development, the clubhouse, as well as special- cruising to the American heartland on the Mississippi River and pleted under Sandy City’s new “We know that there have been ized workout rooms and loung- Alaska. 30-year vision plan. Security Na- several iterations in terms of the es within each of the residential According company officials, the sales center was needed tional has owned the land for the development concepts for the site buildings. In addition, secured because of continued growth and popularity of its luxury river development since 1991, when and are very pleased that Security parking stalls and storage units for and coastal ship cruises. American operates a fleet of riverboats it purchased the land along with National has been able to design a the residents will be located in the and coastal cruise ships on more than 35 itineraries on the East the cemetery and mortuary that development that works well for basement level of every building, and West coast, Mississippi River rystem and Alaska. are adjacent to the property. The the property and adds to the city’s and elevators will provide safe ac- company continues to operate this endeavor for new development in cess to and from the garage. cemetery and mortuary. our civic center area.” In address- The first building of the de- EWI names new officers Security National initially ing the need for quality, afford- velopment is projected to open in worked on the design and develop- able housing in Sandy, Dolan said, the summer of 2014. The Salt Lake City chapter of Hoopes Weddings and Events; Executive Women International programs. has elected it officers and direc- Also named were Mechelle tors for 2013-2014. They were Mellor of Zions Bank, commu- Angle to head HCA Mountain Division installed at the September instal- nications; Samantha Larson of Gregory R. Angle has been CEO of HCA’s Los Robles Re- 469-bed facility in Tucson, Ariz., lation and chapter meeting held Worker’s Compensation Fund, named president of HCA’s Salt gional Medical Center in Thou- from 2006 to 2009. He served as at the Hotel Monaco in Salt Lake fundraising; Nikol Smith of Salt Lake City-based Mountain Divi- sand Oaks, Calif. senior vice president and CEO of City. Lake Marriott Downtown at City sion, effective Jan. 1. Angle will “Greg is a healthcare industry Carondelet St. Mary’s Hospital, a Those elected are Jessica Gra- Creek, director-at-large; Emily replace John Hanshaw, who re- veteran and a skilled hospital op- 390-bed facility in Tucson, from ko of Reagan Outdoor Advertis- Jones of Snowbird Ski & Sum- cently announced he will retire erator who has held several facili- 2000 to 2006. Prior to that, Angle ing, president; Jamie Stoddard of mer Resort, hospitality; Cyn- after a 36-year career. HCA is ty and multi-facility senior leader- held various leadership roles at Teuscher Ruf and Walpole LLC, thia Hagen of Wells Fargo Bank, the holding company that owns a ship roles throughout his 30-year several facilities, including senior vice president and president-elect; philanthropy; and Susan Cluff number of hospitals, surgical cen- career,” said Chuck Hall, president roles at two HCA hospitals, Sun- ters and clinics in Utah, including Tamara Birth of Haynie & Co. of MonaVie, public relations. of HCA’s National Group. “He is a rise Hospital & Medical Center in Ogden Regional Medical Center, CPAs, secretary: Brittany Jones of Established in 1938, EWI is a proven leader and innovator, and Las Vegas and Medical City Dal- EWI Corp., treasurer; Connie Treu nonprofit organization with more St. Mark’s Hospital in Salt Lake, we are pleased to welcome him to las Hospital in Texas. of Bard Access Systems, sergeant- than 1,900 member firms and the new Lone Peak Hospital in the Mountain Division.” Angle has a bachelor’s degree at-arms; Sharra Woodbury of Bard 2,200 representatives in major cit- Draper and Timpanogos Regional Angle joined HCA in 2009 in business administration from Access Systems, recruitment and ies throughout the United States Medical Center in Orem. retention; and Tonya Hoopes of and Canada. As Mountain Division presi- when he was appointed CEO of the University of Arizona and a dent, Angle will be responsible 343-bed Los Robles facility. Be- master’s in health services admin- for 10 hospitals in Utah, Idaho and fore that, Angle was CEO of Ca- istration from Arizona State Uni- Alaska. Angle currently serves as rondelet St. Joseph’s Hospital, a versity. Worldwide firm buys CRI Lifetree research lab CRI Lifetree’s Salt Lake City with the company as the global al research,” said Webster. “CRI research center will soon be ac- lead scientist for pain and addic- Lifetree is helping to develop cures quired by PRA, a clinical research tion research. for hepatitis, Alzheimer’s addic- organization that operates in more “As one of the founders and tion, and devise safer, more effec- than 80 countries and is based in lead scientists, I am proud of our tive pain medication. We are one Raleigh, N.C. Dr. Lynn R. Web- accomplishments. It has been re- of the leading sites in the world ster, chief medical director of CRI warding to be a part of the growth for drug development, pioneering Lifetree and co-founder of Life- of a small company into one of the new and faster methods of iden- tree Clinical Research, will remain best in providing early phase tri- tifying potential breakthroughs. I am looking forward to continuing our valuable research on a global SLC's File Center sold to Access level through PRA’s network” Salt Lake City’s File Center running the business and will stay CRI Lifetree is a privately Inc. has been acquired by records on to head up the new Access Salt held specialized research organi- and information management com- Lake City branch. His team will zation that focuses on the conduct pany Access. Rob Alston, CEO of continue on as part of the Access and design of early stage, patient Access, made the announcement family as well. population studies, and is thera- last month. This represents the “We are excited about now peutically focused in human abuse company’s 59th acquisition since being in Salt Lake City and look liability, addiction, pain, psychia- its founding, the expansion of its forward to much success with try, neurology, pediatric and infec- western regional operations and Scott Whittaker continuing in his tious disease services. its entrance into Utah. leadership role there,” said Access The company has approxi- File Center, a key player in president John Chendo. “We wel- mately 250 full-time employees the records and information man- come our newest clients from File and is headquartered in Mount agement industry locally, was pre- Center and are committed to pro- Laurel, N.J. It operates two oth- viously owned by Scott Whittaker viding each with Access’ signature er facilities besides the Salt Lake and Gene Lee. Whittaker has been ‘very best’ service.” lab. The Enterprise - Utah's Business Journal · December 9-15, 2013 · 3 USU specialist: Consumer will pay more if 'locally produced' For example, for ice cream, Among other findings, con- ucts can compete with store brands cent were not. Brice Wallace consumers were willing to pay a sumers indicated they were not or national brands if they have the In many cases, grocers’ pri- The Enterprise 31-cent premium for a half-gallon willing to pay a penny more for “locally produced” label, she said. vate labels have eaten away at na- of Farr’s over store brand West- Russell’s ice cream without the Curtis noted that other studies tional brands’ market shares, but Consumers are willing to pay ern Family when the Farr’s prod- “Utah’s Own” label, but with the have produced similar results for grocers also are worried that “lo- more for locally produced ice uct had no “Utah’s Own” label and label were willing to pay 63 cents fruits and vegetables. cally produced” labels will have a cream and cheese if they contain an 86-cent premium over Western more. “This isn’t for everyone,” she similar effect on those private la- labels identifying them as such, Family if it did. “So this is a pretty good indi- acknowledged. “These are for peo- bels, she said. according to a study by Utah State “What we’re seeing here is cation that, at least for Russell’s, ple who are looking for these local Having local designations University researchers. that, even for packaged things that ‘locally produced’ label did foods and are willing to pay a little isn’t new, she said, with exam- Shoppers were willing to pay in the store, people are generally make an impact,” Curtis said. bit extra to get them.” ples being Washington apples more those products if they sport- willing to pay a bit more … when The cheese study yielded The USU study indicated that and Idaho potatoes. The move to- ed “Locally Produced” or “Utah’s you have a local label or you use a similar results. Consumers were 41 percent of consumers were fa- ward buying local started in the Own” labels, according to Kynda state program like ‘Utah’s Own’ on willing to pay 54 cents more for a miliar with the “Utah’s Own” pro- U.S. for organic products. The Curtis, associate professor and ex- a product,” Curtis said at the Utah Gossner’s two-pound block and 51 gram for ice cream products and “buy local” push took off during tension food and agriculture mar- Farm Bureau Federation’s annual cents more for Cache Valley with a 22 percent were not familiar with the past decade, although Curtis ket specialist in USU’s Depart- convention at the Davis Confer- local designation. it at all. For cheese, 50 percent acknowledged that “local” is not ment of Applied Economics. ence Center in Layton. The upshot is that local prod- were familiar with it and 16 per- universally defined. The number of farmers markets in the U.S. tri- pled between 2000 and 2013. WATER ble and that the project developers River and four endangered fish mental Alliance of Utah, which is did not have the financial ability species. These questions will be among the groups that sued Blue “Obviously, people are from page 1 to complete the power plant. The addressed in the federal environ- Castle, said the legal challenge spending the extra time and mak- judge said that financial ability mental impact studies required in may continue. His thoughts were ing the effort to buy locally,” Cur- CEO Aaron Tilton, the remaining was not a part of water rights law, the permitting process. echoed by the plaintiffs’ attorney, tis said. process is in the hands of the U.S. saying that Blue Castle doesn’t Tilton, a former state rep- Lara Swensen. The judge’s deci- USU’s study of consumer Nuclear Regulatory Commission. have to prove its business plan resentative, said his company is sion, she said, is no small matter. preferences for ice cream took Tilton said his company has com- will work or that it — or any future “thankful and grateful the judge “From the perspective of water in place in 2012 and cheese occurred pleted about half of the initial per- owner — will be able to raise the saw the facts as we did.” Tilton Utah and the West, historically we this summer, both with the help of mit application. $15 billion to $20 billion needed said the early site permit could place a great deal of scrutiny in ty- Associated Food Stores and Utah At question in the lawsuit was to build the plant. cost $60 million, and an operat- ing up water in projects that may Department of Agriculture and whether Blue Castle could contin- “It is far from certain that Blue ing permit would cost another $40 never happen,” Swenson said. Food. ue with the acquisition of rights to Castle will find partners to con- million to secure. It will be 2017, The Blue Castle Project 53,000 acre feet of water previous- struct the nuclear plant itself, but at the earliest, before the NRC de- would have a significant beneficial ly allocated for coal-fired electric- Blue Castle’s business plan shows cides whether to issue the early economic impact on the state and ity generating plants and to reroute the project, if built, will eventual- site permit, he said. “We have suf- the local communities, according the diversion of the water from the ly be profitable,” Harmond wrote. ficient money for what we’re do- to Tilton. The region has already UTAH’S BUSINESS JOURNAL river. The plaintiffs had claimed in ing now,” he said. When the time benefited from the millions of dol- He said that while it’s expensive USPS # 891-300 the suit that the use of the water comes, Blue Castle will have dis- lars invested into the project site to build a nuclear power plant, nu- would impair existing water rights cussions with bigger partners that characterization over the past six Published weekly by: clear power is “ideal for baseline Enterprise Newspaper Group and interfere with more beneficial could take an equity stake, Tilton years. It is expected that about power, produces no carbon or par- 825 North 300 West Ste. 309 use of the water. Harmond, how- said. “We’re not ready for that 1,000 permanent full-time em- ticulate emissions and does not re- Salt Lake City, Utah 84103 ever, agreed with Jones in find- yet.” ployees will work at the plant over sult in visual pollution.” 801-533-0556 FAX 801-533-0684 ing those claims to be invalid. The The plaintiffs in the lawsuit 60 years, and that more than 2,500 www.slenterprise.com Also left for the NRC to ad- judgment came after the judge have not decided if they will appeal workers will work during the pro- dress by Harmond were the effects PUBLISHER & EDITOR heard five days of testimony in the decision. Matt Pacenza, policy jected six-year construction of the R. George Gregersen the plant might have on the Green director for the Healthy Environ- plant. September. PRESIDENT The acquisition of water for David G. Gregersen the project was of prime impor- [email protected] tance to the eventual development VP/GENERAL SALES MANAGER The Tradition of Holiday Dale Dimond of the proposed two-unit, 3,000 [email protected] megawatt generating plant located Gift Giving MANAGING EDITOR about five miles west-northwest of John M. Rogers the town of Green River in Emery [email protected] County. “Without a source of water CONTROLLER Richard Taylor you don’t have a project,” said Til- [email protected] ton. “The original approval by the OFFICE MANAGER state water engineer has now stood We have been Dionne Halverson the test of an appeal where the rel- pleasing people [email protected] evant evidence was weighed. The REAL ESTATE SECTION with a world class Rhonda Bachman ruling is a major risk-removing product and our [email protected] milestone for the Blue Castle Proj- ART DIRECTOR ect. It provides future utility par- friendly service for Ann Johnson ticipants greater certainty that the 89 years. [email protected] major asset, water for the deploy- CIRCULATION Natalie Lujan ment of a new nuclear plant, has [email protected] been secured economically.” ADVERTISING INQUIRIES In his written decision, the [email protected] judge said, “The court finds that TO CONTACT NEWSROOM [email protected] Blue Castle presented evidence Perfectly ART SUBMISSIONS sufficient to establish that there is delicious for [email protected] reason to believe that each of the Subscription Rates: statutory criteria have been met corporate gifts. Online only, $55 per year Print only, $65 per year regarding the applications. The Online and Print, $75 per year court finds reason to believe that Any opinions expressed by the columnists are not the project will not impair any ex- necessarily the opinions or policy of Enterprise, isting water rights, nor will it in- it’s owners or managers. Reproduction or use of contents without written consent of the publisher is terfere with a more beneficial use 679 East 900 South prohibited. All rights reserved. of water.” © 2013 Enterprise Newspaper Group Inc. Salt Lake City, Utah 84105 Harmond declined to address Periodical postage paid at Salt Lake City, Utah 801-328-4858 • 800-537-3957 POSTMASTER: Send address corrections to: a claim from the plaintiffs that the Fax: 801-328-4801 P.O. Box 11778, Downtown Station project was not economically via- www.CummingsStudioChocolates.com Salt Lake City, Utah 84147 4 · December 9-15, 2013 · The Enterprise - Utah's Business Journal

businesses should be a top prior- secondary schools, develop and “With a product mix that quality and conserving resources. STUDY GROUP ity,” the task force’s report states. implement a statewide market- is second to none in the United It also wants increased use of from page 1 Among the recommendations ing campaign to attract students States, the Utah tourism industry electric vehicles, encourages fleet are that the state should consider to enroll in applied technology has significant growth potential incentives and idle management nomic development; business reg- comprehensive sales, property and collages or pursue other manu- without the public costs of other systems, and suggests establish- ulations, tax policy and incentives; corporate income tax reform “to facturing-related post-secondary industries.” ing manufacturing tax credits for manufacturing; tourism; education ensure that tax policy removes degrees, fund additional capacity Wilson said that a great thing clean air technology production. and workforce development; air barriers to businesses and encour- in technical training schools, and about tourism is the visitors come Wilson said economic devel- quality; and infrastructure. ages economic growth, quality job establish an enhanced program for to Utah, spend money, generate opment impacts as a result of poor “What we found is we could creation and investment.” The tax apprenticeships. tax revenue and then leave. air are real. He said that while actually do this task force forever. reform should include reduction or GOED, it said, should develop “As we went through this, Utah’s air quality is 10 times bet- … They’re complex issues and we removal of sales tax on manufac- a strategy to help expand manufac- there were a couple of areas that ter than it was in 1970 and three hoped to give maybe the interim turing inputs for Utah’s manufac- turing and other primary industries were big ‘a-ha's for me, and I to four times better than a decade committees, in particular, some turers, it says. in Utah “with a strategic goal of would put tourism into that cat- ago, “we can continue to improve directions maybe next year as to Also, Utah should expand doubling the percentage of Utah’s egory,” he said. “I had underes- it and make it better.” some things they could study that its programs to encourage exist- share of the national GDP related timated both the impact and the Wilson told the Natural might really have a huge impact ing businesses to expand in Utah, to manufacturing.” opportunity we have as a state to Resources, Agriculture and on the prosperity of the state in collaborate with other Utah busi- Reid said Utah “could do embrace tourism. It is a terrific Environment Interim Committee 20 years,” Wilson told the Natural nesses, and participate in Utah much better as a state in terms industry in every way.” that inversions will always occur Resources, Agriculture and business cluster programs. It also of our contribution to the GDP EDUCATION AND in Utah, in part because of the Environment Interim Committee. calls for the legislature to provide nationally. Our manufacturing is WORKFORCE state’s topography. “The challenge ECONOMIC DEVELOPMENT for a comprehensive system analy- less than 1 percent of the GDP, so DEVELOPMENT we have is, can we pump less pol- Among the recommendations sis of existing business incentive in terms of our footprint among Among changes recommend- lutants in the inversions?” for economic development are programs. the states, we have a lot of room to ed are to have the legislature con- INFRASTRUCTURE having Utah shift to a “holistic” “Generally, what we’re try- improve and expand in so we can sider boosting the number of and The task force recommends a economic development strategy, ing to accomplish there is that we have more of that market share. training for college and career variety of infrastructure improve- with collaboration between the clear out the barriers of regulation …” counselors in public schools, and ments for transportation and tran- Governor’s Office of Economic and tax policy that interfere with TOURISM to provide incentives for busi- sit systems and calls for replace- Development, municipal and the expansion of business and then The task force recommends nesses and government for more ments and upgrades for water, county economic development analyze the incentives that we are that the state’s Tourism Marketing internships and entry-level oppor- natural gas and power distribution offices and other economic devel- providing or we should provide,” Performance Fund receive up to tunities for students and recent networks and storage facilities. opment entities. Sen. Stuart Reid, R-Ogden, and $30 million annually, phased in graduates. The state, it said, should support The task force also recom- task force co-chairman, told the over the next six years and that Wilson said more counselors efforts to boost the number and mends implementing the Envision committee. “We call upon the leg- the state improve its welcome cen- would “help our high school stu- availability of fueling and charg- Utah Quality Growth Strategy, islature to set up a comprehensive ters. dents make wise choices as they ing stations for vehicles fueled by implementing a long-term plan- system to be able to analyze the “The Utah tourism indus- prepare for their careers. We have natural gas or electricity. ning process, and having the leg- productivity of those incentives.” try delivers billions of dollars in one of the lowest ratios in the “I think it’s one of the most islature assign appropriation sub- MANUFACTURING out-of-state spending, which in country and we believe there are important drivers,” Wilson said committees as the lead for long- “Manufacturing is underuti- turn provides millions of dollars significant financial and economic of infrastructure’s relationship term budgeting by agencies. lized as an economic engine in the in state and local tax revenue. consequences to the state because to economic development. “We BUSINESS REGULATIONS, state,” according to the report. Additionally, tourism creates jobs of that.” absolutely would not be the place TAX POLICY AND It recommends that several and attracts new business, indus- AIR QUALITY we are today, economically and INCENTIVES entities work to provide more try and talent into the state,” the The task force wants to waste [as] successful as we are, had we “Support of established Utah technical training opportunities to report states. no time addressing this issue. It not invested in infrastructure over wants an immediate program to the last two decades. And if we make the public aware of air qual- don’t continue to do that, we will ity problems. find ourselves losing ground.” It also calls for the legisla- The task force’s full report is ture and governor to establish a available at le.utah.gov by search- state resource or sustainability ing in the “meeting materials” list director to coordinate, share and for the Economic Development help implement best practices by and Workforce Services Interim DISCOVER HOW YOU CAN SAVE THOUSANDS state agencies for improving air Committee’s most recent meeting. OF DOLLARS ON YOUR OFFICE FURNITURE Office Furniture Brokers will match you with the highest quality new and used cubicles, desks, work stations, and more at 60% - 90% off retail

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www.cve.com Federated Electrical Additional offices in Portland, Oregon Contractors The Enterprise - Utah's Business Journal · December 9-15, 2013 · 5 Industry Briefs AGRICULTURE during times of trauma and to aid celery, pumpkin pie with HOSPITALITY • H.A. Farms Inc. has been ASSOCIATIONS in play therapy sessions. Last year, whipped cream, and beverages of • The Utah Heritage named recipient of the 2013 • The Davis Chamber of Bank of American Fork—with the coffee and milk — all in quanti- Foundation (UHF) has appointed Leopold Conservation Award, Commerce has selected Jean help of employees, customers and ties sufficient to serve a family of Jada Lindblom as historic sites which honors Utah landowner- Madsen as recipient of its Legacy community members—collected 10. A 16-pound turkey came in at manager. Lindblom will oversee ship achievement in voluntary Award. The award will be pre- 8,234 stuffed animals. This year’s $21.76 this year, down 47 cents and coordi- stewardship and management of sented at the chamber’s annual goal is 9,000. from a year ago. Other items that nate activities natural resources. H.A. Farms is a awards banquet Jan. 24 at the • Chartway Federal Credit declined in price included a dozen at Memorial sheep and cattle ranch in Parowan Davis Conference Center. The Union has appointed C. Skip brown-and-serve rolls, $2.18; one House and the that is managed by the Stowell chamber’s highest honor, the Wilson as regional president for pound of green peas, $1.54; a Ladies’ Literary family and the late state Sen. Legacy Award usually is present- its Utah region. Wilson will over- 14-ounce package of cubed bread Club building. Dennis Stowell’s widow, Marilee ed to a profound leader who has see Chartway’s stuffing, $2.67; fresh cranberries, Lindblom pre- Stowell, and their sons Coy and provided extraordinary service to d i v i s i o n s $2.42; a half pint of whipping viously worked Jada Lindblom Kelly. The award was presented the community, state and/or nation based in Utah: cream, $1.85; and two 9-inch pie at the Utah by Lt. Gov. Spencer Cox at the on behalf of Davis County. Most H e r i t a g e We s t shells, $2.49. Items that showed Association of Utah Farm Bureau Federation’s of Madsen’s 89 years have been and SouthWest a moderate price increase from Justice. Her education includes Annual Convention. Finalists for spent helping advance the quality C o m m u n i t y last year included three pounds a Master’s degree in Parks, the award included W.F. Goring of life in Davis County, with spe- credit unions. of sweet potatoes, $3.36; one gal- Recreation and Tourism from the & Son Inc. of Deweyville and cial emphasis on education and the The credit lon of whole milk, $3.66; and a University of Utah. 30-ounce can of pumpkin pie mix, Johnson Mountain Ranch in arts. Over the years, she has lob- C. Skip Wilson unions serve • The mountain lodging indus- $3.10. Aurora. The award consists of bied for education in Washington, nearly 200,000 try in the western U.S. has experi- a crystal depicting Aldo Leopold helped bring kindergarten to the members in 10 states. Wilson enced an 8.7 percent increase in and a check for $10,000. Sand state, received national recognition has 13 years’ experience in the EDUCATION/TRAINING bookings for November through County Foundation presents the for education excellence as a prin- financial industry as a senior • Weber State University April, compared with a year earli- Leopold Conservation Award in cipal at Taylor Elementary, was level professional. Most recently, will present healthcare executive er, according to data from Denver- Utah and eight other states. the state PTA president, has been he served as the first vice presi- and business owner Joné Law based research firm DestiMetrics. instrumental in the creation of dent for a leading financial firm, Koford with an honorary doctor- Revenues were up 14 percent. The the Davis Campus of Weber State where he helped lead an acquisi- ate of humanities Dec. 13 during data was derived from a sample of University and the Jean Madsen tion of two large financial institu- the university’s about 274 property management Children’s Center at the Bountiful tions and spearheaded activities 142nd com- companies in 17 mountain desti- Davis Arts Center, cofounded related to growth, profit, expense nation communities in Utah and the Bountiful Soroptimists Club, mencement cer- control, branch integration, sales five other states. With nearly half and was an original member of emony. Koford, and production. Wilson also has of all bookings already made for the Davis Chamber Lakesiders, who will serve extensive experience in revenue the winter, the industry could post among many other things. Along as commence- growth, new market entry, product record-breaking numbers for the with these contributions, Madsen development, lending, production, ment speaker, season, DestiMetrics said. was a member of the Mormon compliance, employee and busi- Joné Koford is the owner BUSINESS INSURANCE Tabernacle Choir for 18 years and ness development, customer care, and president of SURETY BONDS has won numerous swimming human resources, organic / inor- Ennovative Performance Group, a EMPLOYEE BENEFITS medals at the Utah Senior Games. PERSONAL HOME AND AUTO ganic growth, and culture integra- healthcare advisory and resource • Maureen Riley, executive tion. He is an alumnus of Utah company. Prior to owning a busi- director of the Salt Lake City Everything for the Department of Airports, has been ness, Koford served in several Contractors elected second vice chair of the roles at LifePoint Hospitals, which 801.973.6700 has more than 50 campuses in 18 www.buckner.com Airports Council International- We rent the best North America (ACI-NA) board states and revenue exceeding $3 of director. Riley has served as billion. Her most recent position 4343 Century Drive the board’s secretary-treasurer at that company was president of Salt Lake City, UT 84123 ARTS/ENTERTAINMENT for the past year. Riley also was strategic growth and development. • A new private-sector com- appointed to the Airports CounciI Koford retired in March after more munity initiative launched by 801- 262-5761 International’s World Governing than a decade with LifePoint. Legacy Music Alliance (LMA) www.centuryeq.com Board for a three-year term after Koford’s career includes time as is designed to revitalize Utah’s serving an interim appointment CEO of two hospitals along the underfunded music education for a year. ACI represents local, Wasatch Front. She also served school programs. The project regional and state governing bod- Sell your equipment hopes to provide music lessons for ies that own and operate com- with the experts. as regional vice president of both 1,600 students; refurbished instru- Columbia/HCA and HealthTrust, mercial airports in the United rbauction.com ments for more than 40 schools; States and Canada. Its mission is and vice president of sales and and access to world-class perform- to advocate policies and provide physician services for Altius ers and artists at an additional 50 LAW services that strengthen the ability Health Plans. She also is the chair • Dorsey & Whitney LLP, schools. To reach those goals, the of air carrier airports to serve their of WSU’s National Advisory Salt Lake City, has hired Lon program hopes to attract about passengers, customers and com- Council and has served on the A. Jenkins 1,500 Utahns to make a donation as of-counsel in the munities. State University. council for nearly two decades. of $35 each as music education Finance & Restructuring Group Koford’s education includes grad- “advocates.” Details are at www. in the firm’s Salt Lake City office. legacymusicalliance.org. A recent BANKING ECONOMIC INDICATORS uating magna cum laude from Jenkins has 30 survey of school band directors • Bank of American Fork • The average cost for this Weber State College with a bach- years’ experi- along the Wasatch Front revealed is collecting teddy bears during year’s Thanksgiving dinner for 10 elor’s degree in psychology. ence in commer- th that a vast majority indicated they its 14 annual Project Teddy people was estimated at $49.04, cial litigation have annual instrument repair and Bear. The stuffed-animal drive according to the American Farm FINANCE and bankruptcy acquisition budgets of less than runs through Dec. 16 at each Bank Bureau’s 28th annual price sur- • First Financial Advisors and Chapter $500, and many have no funds at of American Fork location. Project vey, compiled by 167 volunteer (FFA), Orem, has hired Jonathan 11 reorganiza- Teddy Bear benefits at-risk children all. The Legacy Music Alliance shoppers in 34 states. That’s a Lohr Gal, as a financial adviser Lon Jenkins tions, including was organized in 2010 as a non- at the Utah Valley Family Support 44-cent decrease from last year’s and securities analyst. Gal previ- representation profit association to foster excel- & Treatment Center, the Salt Lake average of $49.48. The bureau’s ously was involved in three entre- of secured and unsecured credi- lence through music education and Valley Family Support Center, the survey shopping list included tur- preneurial ventures in different tors, commercial lenders, financial increase Utah’s stature as a promi- House of Hope and the Family key, bread stuffing, sweet pota- industries, including alternative institutions, debtors, trustees and nent national music education and Connection Center in Clearfield. toes, rolls with butter, peas, cran- energy, financial services and agri- resource center. Teddy bears are given to children berries, a relish tray of carrots and culture. see BRIEFS pg. 20 6 · December 9-15, 2013 · The Enterprise - Utah's Business Journal

sponsored by: Maybe it's time to thank someone different-yourself As the commercialism advertising and promoting. And of Thanksgiving fades into the I’m OK with it, totally OK with Peek into the future commercialism of Christmas (or the free enterprise system I just In the not too distant future you will see In the near future you may see buildings (new whatever name you’re think the hype of it has some changes as to how we feel about the and existing) rated on a normalized scale allowed to call it these become more dominant days), several thoughts structural integrity of our buildings that we measuring safety rating, repair cost rating than the giving of thanks and functional recovery time rating. have occurred to me that and the meaning of the occupy. Current building codes do will impact you as a per- The objective of such a system is to season. not focus or address earthquake son, you as a salesperson, communicate seismic risk to non- Call me old-fashioned, resilience, or the ability of an and your business. engineers. The audience for this or call me traditional, but organization or community to quickly People try so hard to rating system may include occupants, I don’t think you can call recover after a large earthquake. As express good cheer in the JEFFREY me “wrong.” I want our buyers, sellers and tenants of a foreign as earthquake resilience may holiday season they often GITOMER economy to be strong, building, as well as insurers and now seem, expectations and financial miss the mark. “Don’t but not at the expense of lenders. Developers will seek top consequence will ultimately cause us eat too much turkey!” or celebration, family time, and per- ratings for marketing purposes. to embrace this new principle. “Don’t drink too much eggnog!” sonal time to thank yourself for Ron Dunn Tenants will want information on is your way of saying, "I have who you have become, and who down time as well as risk to life and nothing new to say." This motivation will be founded upon the you are becoming. contents. Energy sustainability issues will My bet is your “thank you” TRY THIS: Sit around your consequence of significant vulnerability then be measured by actual sustainability is somewhat like your mission and losses associated with downtime. The dinner table sometime during the and not tear down and replace. statement. It’s there, but it’s rela- holidays and have each person at current objective of building codes is life tively meaningless, and no one the table make a statement as to safety only. Buildings can satisfy minimum Resilience-based earthquake design is can recite it. Most employees, what they are grateful for and who code objectives but still not meet an owner’s a holistic process which identifies and even executives, can’t recite their they are grateful to. Then have desired resilience. We design for life safety, mitigates earthquake-induced risks to enable own mission statement, even them say one thing about them- but the quality of life we are then faced with swift recovery in the aftermath of a major under penalty of death. selves that they are thankful for. HARD QUESTIONS: after an earthquake is not part of any design earthquake. It requires integrated multi- This simple action will create a • Why is this the only season process. The inability of people to return to disciplinary design and contingency planning sense of reality around your table we give thanks? their jobs or even return home is much harder to ensure that an owner’s resilience objectives that will be both revealing and • How sincere is your mes- are met. Designing buildings to sustain less educational. It also wipes away all to financially quantify. This can affect quality sage, really? damage in earthquakes is a key component the superficial undertones often of life and impact communities for years and • Why do you find it neces- to resilience-based design which exceeds associated with family holidays. even decades. sary to thank your customers at code based performance objectives currently Why not ask people to recall the same time everyone else is written in the code. Recent research has estimated the financial thanking their customers? their best holiday ever, or the person they miss the most, or losses for new code-designed frame buildings • If you’re thanking people, The future will bring increased expectations of the most important thing they’ve subjected to “code design level” shaking to be what are you offering besides our living and work environment which will be words to show them you value learned as a family member — higher than 20 percent of total replacement measured by resilience. This idea has been and to be thankful for them or value, and the expectation is that they may be and care about them? gaining traction around the nation. There is • Why do you have a shiny that. unusable for more than one year. The code significant amount of inertia within the State card with a printed message and BACK TO YOU: Sit down intent is also that no more than 10 percent of of California with respect to rating buildings foil stamped company signature and make a list of your best qual- new buildings should collapse in a very rare and Resilience-based design. The future will — and NOTHING personal? ities. Your personal assets, not earthquake. soon be here. HERE’S AN IDEA: Why not your money or your property. The start by thanking yourself? Thank assets you possess that you believe yourself for your success, your have created the person you are. good fortune, your health, your Your humor, your friendliness, family, your library, your attitude, your helpfulness, your approach- Enabling Great Design your fun times, your friends, and ability, your trustworthiness, your all the cool things you do that honesty, your ethics, and maybe make you a happy person. even your morality. (Tough list, If you’re having trouble eh?) And as you head deeper thanking yourself, that may be an into this holiday season, perhaps indicator that things aren’t going next year’s intentions and focus as well as they could be. In that (not goals and resolutions) will situation, any thanks you give to be more about building personal others will be perceived some- assets and building capabilities where between “less than whole” you can be thankful for and grate- and “totally insincere.” I don’t ful for. think you can become sincerely For those of you wondering thankful to others until you have “where’s the sales tip?” Wake up, become fully thankful TO your- and smell the leftovers! I’m trying self and FOR yourself. And once to help you sell you on yourself. you realize who YOU are, your Once you make that sale, once message of thanks will become you become the best you can much more real, and passionate, be for yourself, then it’s easy to to others. become the best you can be for NEWS REALITY: The good others, and present yourself in a news is this is the holiday season. way that others will buy. The bad news is it’s so full of It’s the holidays, baby. Go retail shopping incentives, mobs out and thank yourself! of people, and “today only deals” that the festivity of Thanksgiving Jeffrey Gitomer is the author of 12 is somewhat lost in the shuffle. best-selling books including The Black Friday and Cyber Sales Bible and The Little Red Book of Selling. His new best-sell- Monday – or wait, is it Cyber ing book, 21.5 Unbreakable Laws 380 WEST 800 SOUTH, SUITE 100 I SALT LAKE CITY, UTAH 84101 Tuesday, or Small Business of Selling, is now available. (801)575-8877 I WWW.DUNN-SE.COM Saturday, or Throwback Thursday? Whatever it is, it’s a strategy for © 2013 All Rights Reserved. The Enterprise - Utah's Business Journal · December 9-15, 2013 · 7 they also add focus, that increases their in the good book for millennia.” If you ANDREW odds to about 99 percent. What do all exercise faith and confidence, you will from page 9 of these three bring? Clarity, balance attract opportunities. It’s that simple. Spring Mobile acquires and focus can’t help but bring about the And these are the simple keys to a of movie stars recording what they’re final ingredient for an abundant life: brighter future: clarity, balance, focus California AT&T chain doing every second). So clarity will confidence. and confidence. Whether in your per- Salt Lake City-based Spring Mobile has acquired give them energy to move forward, Confidence attracts opportuni- sonal life or in your company’s coming Affordable Portables, a 26-store AT&T wireless deal- right? And now if they were to add bal- ties. Lack of confidence repels oppor- year, incorporate these four qualities, er in Los Angeles. The acquisition brings Spring Mo- ance and take the wobble out of life, tunities. When the DVD “The Secret” and you will indeed have a brighter bile’s store count in California to 39 and the compa- their chances go up to about 90 percent was first released, while I didn’t agree future. ny’s total store count to 153 across 14 states. that they will be the determiner of their with everything it depicted (like the boy “Spring Mobile is excited to have the opportunity own happiness, avoiding the need for getting the bicycle without putting some Douglas R. Andrew is a best-selling to expand the Spring Mobile brand in Los Angeles,” distractions and even self-medications skin in the game), I looked at my wife author, radio talk show host and abun- said Jason Ellis, Spring Mobile president. Spring Mo- like drugs and alcohol. And then, when and I said, “That’s no secret; that’s been dant living coach. bile employs 618 people at its retail facilities.

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Never one to be shy about my political to sign up for anything at HealthCare.gov. a shot instead of turning to the croud and to members of Congress. leanings, I was constantly in hot water with I haven’t lost coverage due to ObamaCare thumping his chest. But don’t worry, the website problems one sector or another of the body politic. and I choose to blame the rather healthy The GOP is fond of pointing out that are about fixed. When the mess became So, when the opportunity to pen a weekly premium hike I’ll take in January on some- the only way ObamaCare could possible apparent in October, the White House offering for The Enterprise presented itself, thing other than the ACA. work is if millions of young, healthy people announced that it was bringing in the best I made myself — and the boss — a You have to hand it to were to sign up and start paying premiums. and brightest tech experts to fix the glitches promise to stay away from poli- President Obama. If anyone That would produce the cash necessary — a great plan. But when I heard the tics. Maturity and wisdom dictated could cast a rosy glow over a to cover doctor and hospital bills for the announcement, the first thing that crossed that I’d already spent enough of situation that is anything but, elderly and unhealthy. Sort of reminds me my mind was, “Why didn’t we start with the my lifetime defending my point it be he. Did you see where of something. Oh, yeah — insurance. best and the brightest?” of view. Besides, there’s nothing he has asked his pals in the Have you noticed that scam artists Glitches, you say? Wearing brown worse than losing advertising rev- entertainment industry to try thrive in time of confusion? The near- socks with black pants is a glitch. That enue when a client takes offense at to work positive references to disastrous problems with the launch of one silly proclamation or another. JOHN M. ObamaCare into movies and TV the ObamaCare website have brought the North Atlantic iceberg wasn’t a glitch. However, noting that every ROGERS shows? Maybe that’s why I saw con men out in droves. An October report If you are still having trouble with writer in America who is afforded a promo on one of the cable said 700 phony ObamaCare sites had gone HealthCare.gov you can always enroll by a forum of any nature has had some- channels the other night for the holiday- online claiming to be the real deal, to be phone. I understand that the on-hold times thing to say about the Affordable Care Act time premiere of another zombie thriller able to bypass the problems and provide are coming down. By last week, the estimat- and its rocky rollout, and having invoked series called “The Undead — Covered the mandated coverage. It has become so ed wait had moved to under three weeks. The Enterprise’s version of the Fairness Even Though Preexisting.” If the show fails bad that there is only one sure way to know When all is said that can be said on the Doctrine, I offer some observations on to attract enough audience, the producers that you’re complying with the new law. If subject of the Affordable HealthCare Act, ObamaCare. I figure that if I tick off an will be fully covered when they get thrown you’re able to quickly and efficiently log only one question will remain unanswered: equivalent number at each end of the politi- under the bus. on, enter your information and it signs you What’s the difference between ObamaCare cal spectrum, I can sic them on each other I have to wonder why the Republicans up for healthcare, run the other way. It’s a and RomneyCare? and go home to finish the Christmas lights I are so outraged that something they didn’t scam. Be careful. It’s a trick question. started in October. want to work isn’t working. Maybe they Another sure sign of a bogus site is the I come from an advantaged point of should just get out of the way and let the lure of the false promise. If the site says John Rogers is the managing editor of The reference when it comes to healthcare insur- situation run its course — hold some hear- something like, “If you like your health- Enterprise. He can be reached by email at ance. I fully expect to go directly from ings on immigration reform or something. care plan, you can keep your healthcare [email protected]. You can blame low test scores on an ideology of victimhood Depressing news about black students environmental explanation of black-white immigrants who have not been in the coun- parable education. scoring far below white students on various educational differences here. try as long have not been so distracted by Back in the 1940s, before the vast mental tests has become so familiar that These white students in England such ideology into a blind resentment and expansion of the welfare state and the ide- people in different parts of the ideological come from the same race that produced lashing out at other people. ology of victimhood used to justify it, there spectrum have long ago developed Shakespeare and the great sci- In both countries, immigrants enter a was no such gap on test scores between their different explanations for why entist Sir Isaac Newton, among supposedly closed society that refuses to let black schools in Harlem and white, work- this is so. But both may have to do other world class intellects over anyone rise — and they nevertheless rise, ing class schools on New York’s lower east some rethinking in light of radically the centuries. But today many while the native-born at the bottom remain side. different news from England. young whites in England are at the bottom. You can find the data on pages 40-41 The Nov. 9 issue of the dis- barely literate, and have trouble Those who promote an ideology of vic- of an article of mine in the Fall 1981 issue tinguished British magazine The with simple arithmetic. Nor are timhood may imagine that they are helping of Teachers College Record, a journal pub- Economist reports that among chil- these white students the victims those at the bottom, when in fact they are lished by Columbia University — that is, if THOMAS of racial discrimination, much harming them, more so than the society that you think facts matter more than rhetoric or dren who are eligible for free meals SOWELL in England’s schools, black children less the descendants of slaves. the left is denouncing. social visions. of immigrants from Africa meet the With the two main expla- We in America have gotten used to Thomas Sowell is a senior fellow at the standards of school tests nearly 60 percent nations for low performances on school vast gaps between blacks and whites on test Hoover Institution, Stanford University. His of the time — as do immigrant children tests obviously not applicable in England, scores. But this was not always the case, in website is www.tsowell.com. from Bangladesh and Pakistan. Black chil- there must be some other explanation. And places where there was anything like com- COPYRIGHT 2013 CREATORS.COM dren of immigrants from the Caribbean once there is some other explanation in meet the standards less than 50 percent of this case, we have to wonder if that other the time. explanation — whatever it is — might also At the bottom, among those children apply in the United States, to one degree or who are all from families with low enough another. incomes to receive free meals at school, are In other words, maybe our own expla- white English children, who meet the stan- nations need reexamination. dards 30 percent of the time. What do low-income whites in England The Economist points out that, in one and ghetto blacks in the United States borough of London, white students scored have in common? It cannot be simply lower than black students in any London low incomes, because children from other borough. groups in the same low-income brackets These data might seem to be some kind outperform whites in England and outper- of fluke, but they confirm the observations form blacks in America. in a book titled Life at the Bottom by British What low-income whites in England physician Theodore Dalrymple. He said and ghetto blacks in the United States have that, among the patients he treated in a hos- in common is a generations-long indoctrina- pital near a low-income housing project, he tion in victimhood. The political left in both could not recall any white 16-year-old who countries has, for more than half a century, could multiply nine by seven. Some could maintained a steady and loud drumbeat of not even do three times seven. claims that the deck is stacked against those What jolts us is not only that this phe- at the bottom. nomenon is so different from what we are The American left uses race and the used to seeing in the United States, but British left uses class, but the British left also that it fits neither the genetic nor the has been at it longer. In both countries, The Enterprise - Utah's Business Journal · December 9-15, 2013 · 9 Opinion How clarity, balance, focus and confidence can change everything As December begins and 2013 is about ple gain clarity, they have a clear vision life’s plan, they live moment to moment, Now, let me stop right there to review. to close, it’s a time of both reflection and of what matters most to them and what paycheck to paycheck, problem to problem, We’ve talked clarity, balance and focus. If planning for many companies. How does they’re trying to accomplish. I’ve found entertainment to entertainment. They’re people looked at incorporating even clarity yours approach the year’s end? that when people have absolute always focusing on things they can’t control alone into their lives, they would have a Do you have a process for review- clarity about where they are and or things that don’t really matter. To live a about a 55 percent chance of being a happy, ing annual performance and set- where they want to go with every fulfilling life, you have to determine what successful, captain-of-their-own-soul kind ting goals for the coming year? aspect of their lives — finances, matters most and focus on those priorities of person (versus meandering through life Do you analyze the successes and health, spirituality, relationships that you have control over. This increases living vicariously through the Twitter feeds setbacks, decide what can be done — they’re energized and open to the accuracy with which you’ll achieve differently and define your strate- new ideas and strategies on how your goal, your vision and your future. see ANDREW pg. 7 gies for 2014? Or … does your to get there. This brings profound DOUG company tend to shoot more from ANDREW hope for a brighter future and the hip, heading into the future a sense of vibrancy. Essentially, with a general “let’s take it as it clarity provides energy. comes” approach? Let’s look at balance. Imagine a car In business as in life, I have seen hurtling down the highway. At 65 miles per throughout my four decades of working hour, if there’s a wobble in even one of the with highly successful people, you are more tires, it will cause damage to the driving likely to come out ahead when you head system and require more fuel to maintain into the future with direction. And the best speed. If you fix the wobble, however, way to do that is by maintaining four key you’ll increase the car’s efficiency, velocity qualities: clarity, balance, focus and confi- and safety — and arrive at your destina- dence. tion with peace of mind. When you have Often people will ask, “Doug, what balance in your life spiritually, physically, is it you do?” Now, I could answer that I financially and with your relationships, you have helped people plan for retirement for not only journey through life at a greater 40 years, that I’m an abundant living coach velocity, but you actually enjoy the ride! or that I’m a national speaker and best- When it comes to focus, too many selling author. Usually, however, I simply people live their lives completely out of respond: “Well, we provide clarity, balance, focus. They don’t know how to prioritize focus, and confidence to individuals, fami- and they struggle with what I call ADHD lies, businesses, industries, America and the living — Attention to Daily Hiccups and world.” Distractions. Rather than have a proactive Now, let me explain this. When peo- approach to creating and pursuing their

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Suite 270 ers of SUCCESS magazine, Doug prepared a special 1-hour DVD presenta- Salt Lake City, UT 84121 tion on, “Twelve Keys to a Meaningful Transformation to the Top of Your Industry and Beyond”. Because Doug is a weekly columnist with The Enter- prise, we have invited Doug to present this valuable information as a sneak Tuition is $99, Seating is Limited preview to our subscribers in an effort to help Utah Businesses make 2014 the (Classroom style. Lunch included.) best year ever for their business and for continued exponential growth thereaf- Register by calling 801-262-8900 ter. Doug has trained more than 3,000 entrepreneurs including some of the or toll-free 888-987-5665 or go to most prominent CPAs and tax attorneys in America and continues to mentor many of them. Kick-Start the new year with insights into how to take your www.MissedFortune.com/Enterprise business to the next level and beyond. 10 · December 9-15, 2013 · The Enterprise - Utah's Business Journal Legal Matters With great power comes great responsibility: Tips for minimizing risk in e-commerce transactions As the methods, tactics and channels realm has companies constantly looking saying goes, “With great power comes YouTube. Companies should understand for online marketing and sales constantly for ways to garner attention and gener- great responsibility.” Online interaction and consider a third party’s terms before shift and evolve, so too do the commer- ate traffic. Disputes often arise when a with consumers entails additional risks utilizing any service. cial laws, regulations company uses a com- and responsibilities, including assuming Use of Mobile Devices and judicial inter- petitor’s trademark responsibility for consumers’ actions and Mobile devices further increase pretations. Below is to attract consum- personal information. Implementing a access to consumers and the type and helpful information ers. For instance, in carefully crafted terms of service pol- amount of consumer information that and compliance tips July, a federal appel- icy can provide some protection, but companies can gather. A recent case based on real-world late court affirmed the examples such as Zappos.com’s ongoing shows the importance of treating this examples arising from lower court’s ruling litigation resulting from a data secu- newfound power responsibly. Path, a CATHERINE DAVID four broad aspects of LAKE PACHECO that Lens.com’s use rity breach and the public backlash over social networking company, designed an e-commerce: 1. gen- of 1-800-Contacts as changes to Instagram’s and Facebook’s app to collect information such as birth- erating customer traf- a Google AdWord did respective terms of service agreements dates from users’ mobile address books, fic, 2. online interaction with consum- not infringe on 1-800-Contacts’ trade- provide important lessons on limiting the including those of children, but did not ers, 3. using third-party online services marks where the resulting ad did not risks of online interaction. disclose this in the privacy policy. The to increase profits; and 4. commercial actually display 1-800-Contacts’ trade- Using Third-Party Tools Federal Trade Commission brought activity on mobile platforms. The law mark. While this decision does not A company can create its own claims against the practice, which Path in these areas can be frustratingly vague, establish universal rules for using third- e-commerce platform or online commu- settled by paying $800,000 and agreeing but in each case, recent developments party trademarks as keywords, it, along nity, but using existing third-party tools to obtain independent privacy assess- provide guidance for minimizing legal with other recent cases, provides general is generally far more efficient. The pros ments for 20 years. Designing mobile risks. guidelines when using another’s trade- and cons applicable to using a third party practices with privacy and other laws in Generating Customer Traffic mark in advertising. in the physical world generally apply to mind can avoid such government actions Efforts to attract potential customers Online Interaction with Consumers virtual relationships as well. Some addi- and the corresponding toll on a brand. likely began almost as soon as commerce The Internet, and social media in par- tional hazards are also worth noting — itself, and disputes as to the fairness of ticular, has greatly facilitated marketing for instance, inadvertently granting users Catherine Parrish Lake and David such tactics were probably quick to fol- goals such as generating brand loyalty a license to content you post through Pacheco are attorneys with Stoel low. Competition in the e-commerce and word-of-mouth advertising. As the third-party sites such as Pinterest or Rives LLP.

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Alaska California Idaho Minnesota Oregon Utah Washington (801) 328-3131 www.stoel.com The Enterprise - Utah's Business Journal · December 9-15, 2013 · 11 Calendar December 10, 7:45-9 a.m. December 12 online press room, and wire post- and industry innovators to discuss tion, in-plant application and ACG (Association for Society of Marketing ing. Location is Instructure, 6330 the latest insights for the technol- sponsored plant visits. Location Corporate Growth) Breakfast Professionals Services’ Annual S. 3000 E., Suite 700, Salt Lake ogy industry. NUSACC and World is Ogden-Weber Tech College’s Meeting. Speaker will be Aaron Charity Gala Luncheon. Location City. Cost is $15 for UTC mem- Trade Center Utah will arrange BDO Campus, 918 W. Second Skonnard, founder and CEO of is the Museum of Natural History. bers, $30 for nonmembers. Details high-level meetings designed to St., Building 10-A, Ogden. Cost Pluralsight. Event is preceded by Sponsored by FFKR Architects. and registration are at http://www. explore business prospects in the is $1,500, although custom fit networking from 7:15-7:45 a.m. Details and registration are avail- utahtech.org/events/. Arab world, including export and state funding may be available for Location is Little America Hotel, able at www.smpsutah.org. import of technologies and ser- qualifying companies. Details are 500 S. Main St., Salt Lake City. Dec. 17, 11:30 a.m.-1 p.m. vices with a focus on developing available by contacting Stephanie Registration can be completed at December 12, 8-9:30 a.m. Women in Business strong and long-term partnering at (801) 612-4161 or pophams@ Luncheon, a Sandy Area Chamber opportunities between U.S. and owatc.edu. http://netforum.acg.org.eweb. “Solar Photovoltaic of Commerce event. Location is Arab companies. Details are at Energy: Generating Your Own La Caille, 9565 S. Wasatch Blvd., http://www.htrsusa.com. Dec. 10, 11:30 a.m.-1 p.m. Electricity,” presented by Hunt January 12-15 Sandy. Cost is $25 for members, “Snow Summit Utah,” “Getting Beyond ‘What’: Electric. Event will focus on $30 for guests. Details are at http:// presented by NAIOP Utah. Event Identifying and Overcoming the the logistics of Rocky Mountain January 7, 7-11:30 a.m. business.sandychamber.com/ 2014 NAIOP Utah will be a gathering of commercial ‘Whats’ That Keep Us Stuck” Power’s 2014 Utah Solar Incentive events. Commercial Real Estate real estate industry representatives Workshop, a Sandy Area Chamber Program application. This program Symposium. Event includes a and other business leaders from of Commerce event. Event is offers cash incentives to its cus- keynote panel session involving across North America. Includes designed to help participants iden- tomers for installing solar equip- December 17, 2-4 p.m. real estate leaders and reviews and a special dinner Jan. 14 featuring tify and overcome obstacles to ment at a home or business. The Sandy Area Chamber of forecasts for industrial, investment, Mitt Romney as keynote speaker. peak performance. Presenter will class is formatted to help owners, Commerce Procurement Fair. office, retail and multifamily Location is Hyatt Escala Lodge, be David Bowman, author, entre- architects and other people have a Event will feature information market sectors. Theme is “Learning Park City. Details are at www. preneur and business startup and better understanding of renewable about how businesses can bid on with the Masters.” Location is naiop.org/Utah. growth strategist. Location is Salt energy systems, design, instal- upcoming 2014 projects for the the Hilton Salt Lake City Center, Lake Community College’s Miller lation and work procurement. Salt Lake Department of Airports, 255 S. West Temple, Salt Lake Campus, Miller Free Enterprise Instructor is Brok Thayn, certi- UTA and the Utah Department of January 30, 9:30-11:00 a.m. City. Cost is $95 for members of Center Building, Room 203, 9750 fied PV installation professional. Transportation. Location is Rio Building Owners and the Appraisal Institute, BOMA, S. 300 W., Sandy. Free. Details are Location is Hunt Electric Training Tinto Stadium, Toyota 100 Lions Managers Association (BOMA) CCIM, CREW, IREM, NAIOP, at http://business.sandychamber. Center, 1863 W. Alexander St. Club, 9267 S. State St., Sandy. of Utah Vendor Brunch. Event SIOR and ULI associations; $125 com/events. (2410 South), Salt Lake City. Cost Free. Details are at http://business. will feature a discussion cover- for nonmembers. Details and is $20. Details are at http://www. sandychamber.com/events. ing what property managers look registration are available at http:// for in vendors, how to best use Dec.11, 8:30 a.m.-4:30 p.m. huntelectric.com/training.htm. bit.ly/2014UTsymposium. BOMA members, using the web- “Leading from the Edge: Dec. 18, 10 a.m.-noon site to help promote a company, Managing Teams in Difficult Safety Training Seminar, December 12, 8 a.m.-noon Jan. 9, 11:30 a.m.-1 p.m. and more. Registration by Jan. 27 Situations,” hosted by CEObuilder presented by the Utah “Getting Started as a New Building Owners and is available at www.BOMAUtah. and Bank of American Fork. Ken Manufacturers Association. Event Leader,” a course designed to pro- features two classes: “Return Managers Association (BOMA) org. Burnett, vice president and direc- vide new leaders with the knowl- to Work” and “Fall Protection of Utah’s Outstanding Building tor of training and business devel- edge and skills needed to confront Awareness.” Location is Swire of the Year Awards. Keynote opment at Bank of American Fork, January 30, 6-9 p.m. the challenges associated with Coca-Cola, 12634 S. 265 W., speaker will be Kent Gibson, CPM, “Stars Across Murray” will discuss leadership lessons getting results more quickly in a Draper. Free and open to all com- BOMA Fellow, BOMA Utah mem- First Annual Murray Chamber that kept alive the crew of Ernest new leadership role. Participants panies, including those not insured ber and BOMA International vice Gala, presented by the Murray Shackleton’s 1914 excursion in will learn how to focus their time with the Workers Compensation chairman. Awards program honors Area Chamber of Commerce. the Antarctic, and how those les- and efforts on tasks that are most Fund. Lunch will be served. the best in commercial buildings. Event will include entertainment, sons can be applied to business important to an organization’s suc- Registration can be completed by During the competitions, all fac- cocktail hour, dinner, silent auc- and life. To prepare for the forum, cess, as well as how to achieve contacting Annette Beckstrand ets of a building’s operations are tion, awards, guest speakers and participants are encouraged to read accelerated results through others. at (801) 363-3885 or teresa@ thoroughly evaluated. Buildings more. Location is the Gathering “Leading at the Edge: Leadership Location is Salt Lake Community umaweb.org. are judged on everything from Place, 1100 W. 7800 S., in Gardner Lessons from the Extraordinary College’s Miller Campus, 9750 community involvement and site Village. Cost is $40 per person or Saga of Shackleton’s Antarctic S. 300 W., Sandy. Cost is $149 December 28, 5:30 p.m. management to environmental $70 per couple until Dec. 31; Expedition.” Location is Bank of ($74.50 for qualifying individu- Summit Gala Fundraiser. and “green” policies and proce- $50 per person or $90 per couple American Fork, Riverton Branch als). Enrollment can be completed Event will feature dining, dancing, dures. The competition begins at thereafter. Tickets at the door will Conference Room, 2691 W. 12600 by contacting Melody Chapman live and silent auctions and special the BOMA local association level, be $60 per person. Non-chamber S., Riverton. RSVPs by Dec. 9 Ulbrich at (801) 957-5237 or mel- guest Aron Ralston, an American then winning entries advance from members are encouraged to attend should be made by contacting [email protected]. outdoorsman, engineer and moti- there to the regional level and, (please, no young children). Christopher Liechty at christopher. vational speaker. Event begins with finally, regional winners advance Details and RSVPs are available [email protected] or (801) 642- December 12, noon-1 p.m. 5:30 p.m. reception, followed by 7 to the international level. The inter- at (801) 263-2632 or by emailing 3094. The afternoon discussion Investment Survival p.m. dinner. Location is Snowbird national TOBY Awards will be pre- [email protected]. may be closed for members only Workshop Lunch, presented by Ski and Summer Resort’s Cliff sented at the BOMA International if sensitive matters are discussed. Sax Angle Partners, an equity Lodge Ballroom and Lobby. Cost Conference in Florida in June. February 6, 8 a.m.-5 p.m. hedge fund based in Park City. is $250, or $2,250 for a table of Location is Little America Hotel, 30th annual Investors December 11, 8-9:30 a.m. Attendees will receive a free 10. Proceeds will support Wasatch 500 S. Main St., Salt Lake City. Choice Venture Capital Utah Technology Council copy of the book The Investment Adaptive Sports, Snowbird Registration by Jan. 6 is available Conference, presented by the (UTC) Industry Breakfast. Event Survival Guide by Harvey Sax. Sports Education Foundation, at www.BOMAUtah.org. Wayne Brown Institute. Designed will feature former UTC trustee Location is Bambara Restaurant, Cottonwood Canyons Foundation to present opportunities for early- Fraser Bullock, co-founder and 202 S. Main St., Salt Lake City. and the Wasatch Legacy Project. January 9, 4-8 p.m. stage and/or high-growth compa- a managing director of Sorenson Cost is $25. Details and reserva- Reservations may be made by Operations Management nies to participate in the angel/ Capital, who will discuss “A Few tion information are available at calling (801) 933-2112. Workshop Series, running each venture capital process. Location Big Picture Questions” of a suc- http://workshops.saxangle.com. Thursday for 13 weeks (through is Zermatt Resort & Spa, 784 W. cessfully funded tech company January 5-7 April 3). Course focuses on Resort Drive, Midway. Cost is in Utah from the private equity December 13, 8-9:30 a.m. The High Tech Road Show the SME/AME/Shingo Lean $395 for first attendee, $295 for side. Location is Thanksgiving “All Things Press Release,” 2014, organized by the National Manufacturing Bronze Medal each additional attendee from the Point, 3003 N. Thanksgiving Way, Utah Technology Council’s annual U.S.-Arab Chamber of Commerce body of knowledge. Specifically same firm, with discounted early- Amber Room, Lehi. Cost is $35 PR breakfast. Public relations pro- (NUSACC) and designed to designed for manufacturing opera- bird registration available. Details for UTC members, $60 for non- fessionals will discuss AP style, promote the transfer of technol- tions and plant managers. All par- are available at eventbrite.com. members. Details are at http:// SEO and press releases, tips for ogy and knowledge between the ticipants will be required to com- www.utahtech.org/events or (801) optimizing press release suc- U.S. and the Arab world. Event plete a project within their facility. 568-3500. cess, creating and maximizing an brings together thought leaders Will feature classroom instruc- see CALENDAR pg. 20 12 · December 9-15, 2013 · The Enterprise - Utah's Business Journal Staffing Matters Emerging trends that are affecting today’s workplace

How employers maintain respective company’s overall nesses have become vastly more seeking to drive productiv- employee evangelists. an effective workforce in the performance. Two broad strate- productive. ity, including the need to build This approach is an increas- post-recession era will depend gies were identified in the 2013 Corporations shed payrolls highly trained workers and how ingly common way for brands largely on its ability to adapt to Emerging Workforce Study that in anticipation of a drop in busi- work/life balance options are a to leverage their biggest asset the changes in workers’ opin- stand to impact how engaged ness, and have been making must-have in the modern work- — their workforce, of course ions and expectations about and therefore how motivated do with fewer workers even as place. — to reach new markets, gen- their careers and the workplace. your workforce may be. demand started to pick up. This Create an Army erate buzz, and support online To thrive will require the First, work- need to maintain high produc- of Brand Influencers corporate reputation. They can pursuit of new, innovative ers hired who are tivity levels will remain be tweeters, blog- and uncharted workplace fundamentally mis- for the foreseeable gers, Facebookers — strategies that produce a matched to their job future — making the or they could just be powerful talent engine and employer culture productivity of workers the people you send — one that is engaged, are never going to a key business objec- to corporate events. productive and a positive be highly engaged. tive. Nevertheless, the More than your firm’s RON logo or an actor in influence on the brand. Second, the founda- past two years have ZARDOCK your company’s com- The latest Emerging tion of an engaged seen far too many mercial, your customers will Workforce Study offers workforce is built employees preoccupied with the How many times have you come to know your ambassa- businesses deep insights into upon high job satisfaction and impact of a shrinking economy heard the statement, “Our great- dors as true representatives for these new strategies as they per- loyalty to the organization. and company downsizing, often est asset is not in our inven- your business’ mission. tain to a diverse set of employee Ignite a Highly Productive leaving them grateful for just tory or our sales or our prod- The Emerging Workforce groups and within the context Talent Machine being able to keep the jobs they ucts — but in our people"? In Study explores elements to build- of ongoing social and economic With extremely engaged have and, consequently, leaving today’s business environment, ing brand-convicted employees, events. workers comes better produc- their leaders at a loss as to how that takes on even greater mean- including the importance of a Build an Engaged Workforce tivity, a must-have in the post- to improve productivity in the ing. In order to realize — and clear, followed-through-upon Abundant research has recession economy and modern face of a chaotic economy. leverage — an employee’s full corporate mission and effec- proven the existence of a strong day business model. Arguably The 2013 Emerging value, a successful company tively utilizing social media to relationship between employ- one of the benefits of the 2008 Workforce Study reveals prac- needs to turn its workforce into leverage your talent base and recession is the fact that busi- ees’ engagement and their tical insights for companies’ an army of brand influencers or build brand reputation. The Enterprise 13 December 9, 2013 Insurance & Group Benefits INSIDE

Brokers will save you money Jeff Kluge gives a list of reasons you should be using a broker to navigate your employee benefits program. page 14

Get everyone on board Spencer Hoole says insurance decisions are too important not to involve your board of directors. page 14

Insurance/Benefits Lists:

Insurance and Benefits Brokers page 16 Health Insurance Companies MOVING TARGET page 17

Issue Sponsor: Seemingly daily changes require businesses to stay abreast of the requirements under healthcare reform As recent headlines relat- and their dependents covered by your by all other employees and dividing by ing to the Affordable Care Act and group health plan will be considered 120 — “average” determined by add- Supreme Court rulings remind us, the to have sufficient health insurance ing the totals of each month and divid- rules impacting the group health plan coverage to avoid being subject to the ing by 12). you provide to your employees and individual tax penalty (for now the Special considerations apply their dependents continue to change. individual tax penalty for failure to if you have variable hour employees ObamaCare is the have health insurance coverage is still or seasonal employees. You may not law of the land and scheduled to begin to apply in 2014). be able to tell at the time of hiring employers — espe- Preparing in 2014 for the whether the employee will be full-time cially small-business employer requirements of 2015. Use or part-time. The rules contain a com- employers — need 2014 to evaluate what changes may plicated system for determining status to make sure they’re need to be made in your group health using measurement periods during

STEVE aware of these plan to minimize or avoid the employ- which hours are tracked followed by a WOODLAND changes so they can er penalties that are now scheduled to stability period during which the status assure compliance. begin with 2015. determined during the measurement Some things to note Remember that no employer period is applied. If you have these as we head to 2014 are the following: penalties will apply if your business kinds of employees, you will want to Delay in employer penal- has less than 50 full-time and full-time establish your measurement period ties under Affordable Care Act. equivalent employees. You can see during 2014 so that status is set for Federal healthcare reform through the if your business is likely to be small purposes of 2015 when the penalties Affordable Care Act seeks to push enough to avoid penalties in 2015 by are now scheduled to apply. larger employers to provide affordable making the calculation for 2014. You There are a few changes to and adequate group medical cover- calculate this for a year (for example, your group health plan for 2014 age to employees and their dependent 2014) by finding the average number required by the Affordable Care Act. children by imposing potential penal- of full-time workers and full-time Prior to healthcare reform, group health ties on employers who do not. The big equivalent workers employed each plans could exclude coverage for medi- news for 2014 is those penalties, which month of the previous year (2013 for cal conditions for which the employee originally were to become effective for a 2014 year calculation) (“full-time” or dependent had been treated before 2014, have been delayed until 2015. defined as having worked an average becoming part of the plan (called “pre- This means there is no need to of 30 hours per week or at least 130 existing conditions”). An exception redesign your group health plan for hours total in that month — “full-time existed if the employee or dependent 2014 to avoid or minimize these pen- equivalent” determined by dividing the see WOODLAND pg. 18 alties. Furthermore, your employees number of hours worked in that month 14 · December 9-15, 2013 · The Enterprise - Utah's Business Journal Focus Insurance & Group Benefits Don't try to navigate the maze of today's group benefits programs without the help of a good broker One of the hottest political and social through their employers. Individuals have topics for the last few years has been the option to use the Federal Marketplace the Affordable Care Act and healthcare or use a “traditional” plan directly from a reform. By mandating individuals to have carrier. health insurance coverage and requiring While certain plans or options may large employers to share in the responsibil- offer tax credits or incentives, other options ity of providing healthcare to their may have repercussions such as employees, the ACA significantly tax penalties should you choose changes how we access and pay to forgo coverage altogether. A for healthcare. No matter what broker or consultant can help you your political views are, under- look at all the possibilities and standing and adapting to these find the best fit for you, your changes will be challenging. family, your company or your To make things even more JEFFREY employees. complicated, you then have to KLUGE 2. A Broker Will Negotiate on factor in the insurance industry, your Behalf. which is confusing enough on Many employers or indi- its own. Co-pays, coinsurance, network viduals may think that the marketplace options and out-of-pocket limits — it can alone is enough to provide competition sound like you’re speaking a different lan- between insurance carriers. While this is a guage. An employee benefits broker or start, the right broker can take it one step consultant can be your translator. A broker further by taking advantage of the rela- can represent you as a company or as an tionships that they build with carriers to individual, and will keep your best interests obtain data and support and leveraging their in mind as they help guide, educate and negotiating position. Instead of sending prepare you for the road ahead. your information out at renewal and hop- First, as a general rule, a broker’s ing for the best, your broker is armed with Involve your board in insurance compensation is funded by the insurance the information beforehand to know what companies. In other words, it does not cost to expect. Negotiation is one of the most you and your employees more premium important financial reasons to have a broker and risk management decisions dollars to have the assistance of an industry or consultant, and can have a big impact on Back in 1996, I gave my first direc- insurance placements. professional. your bottom line. tors and officers (D&O) liability insur- The board’s role has not stopped at The most important decision an 3. A Broker can be an Advocate for You ance presentation to a board of directors. D&O insurance. Boards are also becoming employer and/or individual can make while and Your Employees. The CFO of this publicly-traded company much more engaged in risk management, purchasing healthcare is choosing not only If you have managed to navigate the asked me to go over the high- specifically enterprise risk man- a broker or consultant, but the right broker maze of purchasing healthcare, and have lights of the company’s D&O agement. Traditional risk man- or consultant. This can mean the difference been able to negotiate a plan that you felt insurance program that had just agement is the process of identi- between a negative experience and a very was a reasonable price without a broker renewed. The presentation was fying exposures to loss, examin- positive experience. The right broker or or consultant, you may think that the hard less than five minutes long and ing various techniques to address consultant can help you: 1. navigate the part is over. But once your plan is in place, not one question was asked by the risk and then selecting the maze, 2. negotiate on your behalf, 3. be an knowing who to talk to about a claims any of the board members pres- most appropriate techniques to advocate for you and your employees, and issue can prove to be an even more difficult ent. In fact, most of them were SPENCER control the risk. It’s important to 4. provide a complete approach to better task. This is where a brokerage firm can be not listening and were engaged HOOLE note that risk management focus- health management. extremely helpful. Brokers are on your side in other conversations that were es only on accidental losses, not 1. A Broker Will Help You Navigate the to truly be an advocate in helping you or an seemingly more important, or at all losses. A key technique in risk Maze. employee resolve a complex claims issue. least more interesting than insurance. My management is insurance or risk transfer; With the implementation of the Advocacy for you and your employees presentation was a mere formality and the however, insurance is only one facet of risk Affordable Care Act, employers and indi- is one of the very critical facets of health- board basically rubber-stamped all insur- management. In fact, it’s been suggested viduals have more options than ever. While care. Insurance is expensive. If you’re an ance decision-making by the CFO. that the paradox of insurance is that it is a each of the options have pros and cons, it employer, you see this on a much larger Since that time, board involvement in good first and last response to managing is important to find the option that best fits scale and it is imperative that you get the insurance decisions, like D&O coverage, risk, but it is not always the most appropri- your needs. This is where the importance most return on your investment as pos- has changed dramatically. Now our firm ate response. There are other important of a respected and informed brokerage firm sible. In other words, if your employees makes presentations to our public client risk management tools that are available to really comes into play. are becoming frustrated with claim issues, company boards and/or audit committees organizations, such as risk avoidance, self A traditional group plan is a group pol- certain elements of the plan, or just lack at least once a year. Board members are no insurance, loss prevention, loss control, icy offered through an employer by one car- of knowledge, what are you getting for the longer passive and disinterested in insur- contractual risk transfer and alternative rier. Depending on your company size, you premium dollars that you are paying? A ance. Instead, most are well-informed forms of risk financing to name a few. may be required to meet certain participa- good brokerage firm can be a solid advo- about the liability exposures directors face In contrast, enterprise risk manage- tion levels and under certain provisions of cate for your employees and provide assis- and want to fully vet their D&O insurance ment, as its name suggests, deals with the Affordable Care Act, you may be sub- tance through issue resolution. protection, specifically the structure, limits all aspects of an organization’s risk, not jected to community rating. A new option in 4. A Broker can provide a Complete and scope of coverage. Questions often just accidental loss like traditional risk Utah for employers is the SHOP Exchange, Approach to Better Health come up about insurance carrier solvency, management. The Risk and Insurance or Avenue H. You set a defined contribu- Management. the importance of DIC A-side coverage, Management Society’s website (www. tion amount, and your employees choose The first three reasons we have cov- appropriate coverage limits and the terms rims.org) defines enterprise risk manage- their own health plan through the online ered so far are the more “traditional” roles and conditions of the policy. A decade ment (ERM) as “a strategic business dis- marketplace. Some employers are opting of an employee benefits broker or consul- ago, CFOs generally made all these deci- cipline that supports the achievement of an to forgo employer-sponsored health care tant. However, the industry is shifting and sions. However, in today’s ever-litigious organization’s objectives by addressing the coverage and have their employees elect the status quo is no longer enough. With corporate environment, many executives full spectrum of its risks and managing the individual plans for themselves and their changes like the Affordable Care Act, bro- now defer these important decisions to their combined impact of those risks as an inter- families. This is also an option for employ- entire boards. They want their input and ees who may not be eligible for benefits see KLUGE next page formal approval before finalizing major see HOOLE next page Focus Insurance & Group Benefits The Enterprise - Utah's Business Journal · December 9-15, 2013 · 15 HOOLE ed 10 Principles of Effective Risk Oversight swan. Think about being responsible for ERM. Whether or not the proposed SEC for Boards: identifying something that is unpredictable, rules relating to risk management oversight from previous page 1. Understand key drivers of business has a huge negative impact, and after the are enacted, ERM will become a recurring success. fact experts assert that it should have been theme in boardrooms across America. In related risk portfolio.” The Committee of 2. Assess risk in the company’s strat- predictable. That is one tough exercise for fact, it just moved to the top of the agenda. Sponsoring Organizations of the Treadway egy. anyone. Commission (COSO) defines ERM as a 3. Define full board's and committee’s In the future, boards will need to be Spencer Hoole is a principal at Diversified “process, effected by an entity’s board of roles in risk oversight. well-equipped to deal with these increas- Insurance Group and the head of the firm’s directors, management and other personnel, 4. Consider which risk management ing responsibilities. They will rely heavily management liability practice. He has been applied in strategy setting and across the system is appropriate. on outside professional service providers in the property and casualty insurance enterprise, designed to identify potential 5. Management and board agree on risk to guide them through the labyrinth that is industry for the past 20 years. events that may affect the entity, and man- reporting to board. age risk to be within its risk appetite, to 6. Dynamic and constructive risk dia- KLUGE provide reasonable assurance regarding the logue with management. secondary problem. Your CFO may only be achievement of entity objectives. "Both 7. Closely monitor risks in culture and from previous page considering cash flow and the pros and cons definitions are mouthfuls, but one gets the incentive structure. of self-funding instead of employee job kers and consultants are adapting to provide point that ERM is all encompassing and 8. Monitor alignment of strategy, risk, satisfaction. This is where brokers can take improved and more innovative services to touches the entire spectrum of organiza- controls, compliance, incentives and peo- a balanced approach and narrow in their better meet the needs of their clients. tional risk. A key takeaway from these ple. focus to present solutions to the challenges Wellness, underwriting and data ana- definitions is ERM is a process “effected by 9. Consider emerging and interrelated the client is facing, rather than simply sell- lytics can help employers gain a more an entity’s board of directors.” risks. ing products. Brokers can provide tools holistic approach to health management, Since the not-so-distant financial and 10. Periodically assess board oversight that help benefit plans run more smooth- so you can ultimately take a more proac- economic meltdown, the board’s role in processes. ly, control cost, enhance communication tive approach in your healthcare. A broker playing a part in ERM has grown signifi- The process of identifying and man- strategies, and focus on compliance much or consultant needs to be a partner in more cantly. Expectations for boards to more aging traditional and known risks is cer- more effectively than an employer can on than just one aspect of your healthcare, effectively identify and assess risks across tainly doable for directors. (Heck, even itsown. and these services can help to integrate the the entity spectrum have become more a simple insurance broker can handle this Whether you are an employer, self- most important pieces of the puzzle to bring critical, driven in large part by anxious responsibility.) But should directors also employed, or an employee who doesn’t together the bigger picture. shareholders and stakeholders who want to be held accountable for the highly improb- qualify for benefits, in this uncertain and In conclusion, choosing a broker is make sure both the balance sheet and their able “black swan"? This is a relatively ever-changing industry, you have enough important, but it is more important to shareholder value is being properly pro- new addition to our lexicon from Nassim to worry about without trying to take on choose the right broker. This has been the tected. As such, the board’s role in ERM is the additional responsibilities of trying Nicholas Taleb. According to Taleb, “a case prior to healthcare reform, but now it one of the hottest topics in today’s world of to understand and implement healthcare, black swan is a highly improbable event is more important than ever. corporate governance. let alone healthcare reform. Employers, I with three principal characteristics: It is There are many factors to consider The National Association of Corporate encourage you to research several groups unpredictable; it carries a massive impact; when making a decision, and opposing Directors (NACD) has also gotten into and conduct an RFP to find the brokerage and, after the fact, we concoct an expla- views may come from inside your own the ERM act by issuing its Blue Ribbon firm that fits your company’s needs. nation that makes it appear less random, company. Human resources may see the Commission on Risk Governance: and more predictable, than it was.” He employee needs as the most important Jeffrey Kluge is the vice president and a Balancing Risk and Reward, which includ- cites 9/11 as the prime example of a black issue, and managing growing costs as a consultant with GBS Benefits Inc.

A comprehensive local resource designed to help Utah individuals and families understand their healthcare options.

Find answers to your questions and understand how to navigate the new Healthcare Marketplace.

Get enrollment assistance and a local advocate for the duration of your plan coverage.

Tools and resources to help you understand your healthcare options.

www.EnrollingUtah.com [email protected] Enrolling Utah is a 801-685-6860 | 800-323-6800 service from 302 West 5400 South, Suite 101 Murray, UT 84107 16 · December 9-15, 2013 · The Enterprise - Utah's Business Journal Focus Insurance & Group Benefits

Top Insurance & Benefits Brokers in Utah Ranked by Premium Volume in Utah in 2012

# of Premium Licensed Volume in Agents in # of Offices Utah in 2012 Utah in Utah Phone Company Name Fax Year # of # of Offices Owner/ Managing Address Web Founded Employees Worldwide Specialties Principal AON 801-535-4329 $917 million 12 1 Property, casualty, enterprise risk 299 S. Main St. Ste. 1300 847-933-3468 management, HR consulting, benefits Dawn Brazell Salt Lake City, UT 84111 aon.com 1982 DND 500 brokerage, business consulting Moreton & Company 801-531-1234 $410 million 110 4 Commercial insurance, employee benefits, 709 E. South Temple 801-531-6117 surety, voluntary benefits, person insurance, William R. Moreton Salt Lake City, UT 84102 moreton.com 1910 180 6 financial services Marsh USA Risk & Insurance 801-533-3600 Services/ Mercer $404.5 million 35 1 801-533-3610 Property & casualty and health & benefits Kim Briggs & Health & Benefits marsh.com/ brokerage and consulting Ann Thomas 15 W. South Temple, Ste. 700 1923 36 400 mercer.com Salt Lake City, UT 84101 801-559-2929 Gallagher Benefit Services $397.9 million DND 2 801-559-2955 Medical, dental, vision, life and AD&D, STD, 6330 S. 3000 E. Ste. 670 Ryan Olson gallagherbenefits. LTD, ancillary Salt Lake City, UT 84121 1927 30 DND com/utah HUB International Insurance Services, Inc. 801-943-2600 $275 million 9 1 Employee benefits consulting and risk 6440 S. Wasatch Blvd. 801-618-4014 Thomas Lee Lanning management services Ste. 235A hubinternational.com 1931 11 250+ Salt Lake City, UT 84121 The Buckner Company 801-937-6700 $151.2 million 33 2 Construction, trucking & transportation, 6550 S. Millrock Dr. Ste. 300 801-937-6710 employee benefits, personal home & auto, Terry Buckner Salt Lake City, UT 84121 buckner.com 1936 129 5 retail & restaurants, technology 801-325-5000 Diversified Insurance Group $110 million 44 2 801-532-2804 Property, casualty and health benefits 136 E. South Temple #2300 Spencer Hoole diversifiedinsurance. brokerage and consulting Salt Lake City, UT 84111 2001 47 2 com Beehive Insurance 801-685-6860 $73 million 18 1 Trucking & transportation, contractors & Agency, Inc. 801-685-2899 construction, non-profits, employee benefits, Doug Snow 302 W. 5400 S. #101 beehiveinsurance. 1961 40 1 and individual life & health Murray, UT 84107 com ABSI 801-253-4900 DND DND 5 Group benefits, individual and family plans, Craig Symes 877 W. Baxter Dr. 801-253-0313 human resources, risk management, Doug Peterson South Jordan, UT 84095 teamabsi.com DND DND DND wellness First West Benefits Solutions 801-224-9600 DND DND 2 Employee benefits, employee health & 1139 S. Orem Blvd. 801-226-1816 wellness, benefits funding options, small S. David Jackson Orem, UT 84059 fwbs.com 1987 DND 193 employer benefits, individual benefits Fringe Benefit Analysts, LLC 801-546-6004 DND DND 6 Employee benefit advisory and consulting 393 W. Gordon Ave. 801-544-0406 Scott E. Deru services Layton, UT 84041 fbabenefits.com 1970 29 DND Healthcare reform & compliance, GBS Benefits, Inc. 801-364-7233 DND DND DND underwriting, pharmacy services, wellness, 465 S. 400 E. Ste. 300 DND Rick Fielding online benefit services, voluntary products, Salt Lake City, UT 84111 gbsbenefits.com DND DND DND health exchange Hays Companies 801-505-6500 DND DND 1 Risk management & commercial insurance, 201 S. Main St. Ste. 2100 DND employee benefits, Hays consulting services, Jim Hays Salt Lake City, UT 84111 hayscompanies.com DND DND 34 specialty programs, private client group The Leavitt Group 435-586-6553 DND DND 20 216 S. 200 W. 435-586-1510 Property, casualty, life and health Dane O. Leavitt Cedar City, UT 84720 leavitt.com 1952 DND 105 Spectra Management 801-327-7205 DND DND 1 Health, dental, EAP, HSA, FSA, HRA, 895 Baxter Dr. DND retirement plans, vision, life/AD&D, short and R. Brent Bennett South Jordan, UT 84095 spectrabenefits.com 1986 DND DND long term disability, voluntary & worksite Wells Fargo Insurance Enterprise risk management, cost control, 801-246-4300 DND DND 1 Services USA, Inc. employee benefits, commercial insurance, 866-729-7172 David Headden 1095 E. 2100 S. Ste. 200 personal lines, construction, technology & wfis.wellsfargo.com 1969 DND 135 Salt Lake City, UT 84106 small business

DND= Did Not Disclose N/A= Not Available Please note that some firms chose not to respond, or failed to respond in time to our inquiries. All rights reserved. Copyright 2013 by Enterprise Newspaper Group Focus Insurance & Group Benefits The Enterprise - Utah's Business Journal · December 9-15, 2013 · 17

Top Health Insurance Companies in Utah Ranked by Number of Individuals Covered in 2012

# of Offices Premium # of in Utah Volume in Phone Individuals Utah in 2012 Company Name Fax Covered in # of Utah Top Local Address Web 2012 Employees Year Founded Insurance Products Offered Executive Individual, small employer and large employer SelectHealth 800-538-5038 1 $1.73 billion plans, federal employee, Medicare Advantage, 5381 Green St. DND 528,000 Pat Richards Medicaid, Children’s Health Insurance Plan Murray, UT 84123 selecthealth.org 1,101 1983 (CHIP) Regence BlueCross 801-333-2100 1 $1 million BlueShield of Utah 801-333-6516 320,000 DND Jennifer Danielson 2890 E. Cottonwood Pkwy myregence.com 500 1942 Salt Lake City, UT 84121 United Healthcare of Utah 801-982-4548 2 $606 million 2525 Lake Park Blvd. 801-982-3282 320,000 Employee, Medicare, M & V Pamela Gold Salt Lake City, UT 84120 uhc.com 700 1974 Funded vision plans for groups or individuals that cover eye exams, glasses, contact lenses Opticare of Utah, Inc. 801-869-2020 1 $4.5 million and LASIK; network services and leasing for 1901 W. Parkway Blvd. 801-954-0054 180,000 Aaron Schubach self-funded groups; pediatric plans for ACA Salt Lake City, UT 84119 opticareofutah.com 11 1987 compliance; health plan partnerships; health/ wellness fairs for vision screenings, etc. Gallagher Benefit 801-559-2929 2 $397.94 million Services 801-559-2955 Medical, dental, vision, life and AD&D, STD, 165,000 Ryan Olson 6330 S. 3000 E. Ste. 670 gallagherbenefits. LTD, ancillary 30 1927 Salt Lake City, UT 84121 com/utah EMI Health 801-262-7476 1 $54.5 million 852 E. Arrowhead Lane 801-269-9734 160,000 Medical, dental, vision, Medigap, Medicare D Steven Morrison Murray, UT 84107 emihealth.com 130 1935 PEHP 801-366-7500 2 DND 560 E. 200 S. DND 135,000 Medical, dental, life, long term disability R. Chet Loftis Salt Lake City, UT 84102 pehp.org 200 1977 Molina Healthcare of Utah 801-858-0400 1 $296 million Medical special needs plan, Medicaid, CHIP, 7050 Union Park 801-858-0409 87,000 and beginning January 2014-individual health Chad J. Westover Center, Ste. 200 molinahealthcare. 210 1980 insurance marketplace Midvale, UT 84047 com Health plans & insurance, dental & vision Aetna Life Insurance 801-568-2802 2 DND insurance, pharmacy benefits, employer 3179 W. 9190 S. DND DND DND health plans, Medicare plans, health insurance West Jordan, UT 84088 aetna.com DND 1853 exchange & marketplace 801-355-1234 Altius Health Plans, Inc. 1 DND Individual plans, group plans, Medicare, 801-323-6400 10421 S. Jordan Gateway DND Medicaid, workers compensation, first health, DND altius.coventry South Jordan, UT 84095 DND DND behavioral health healthcare.com Cigna Healthcare of Utah 801-261-7506 1 DND Healthcare products & services, group 5295 S. Commerce Dr. 801-261-5349 DND disability, life & accident insurance, DND Ste. 280 cigna.com DND 1982 international insurance coverage Salt Lake City, UT 84107

Dental Select 801-495-3000 1 DND Employer dental plans, individual & family 5373 S. Green St. 4th Floor 801-495-3369 DND Brent Williams dental plans Salt Lake City, UT 84123 dentalselect.com DND 1989

Humana of Utah 801-256-6200 2 DND Copay plans, 100% after deductible health 9815 S. Monroe St. 801-256-6467 DND plans, health savings account plan, short term DND Ste. 300 humana-one.com DND DND medical plan Sandy, UT 84070 Total Dental Administrators of Utah 801-268-9740 1 DND Indemnity, prepaid preferred provider, ASO/TPA 6985 Union Park 801-268-9873 DND program, quality assuance program, multi-state DND Center, Ste. 675 tdadental.com DND DND service capability Salt Lake City, UT 84047

DND= Did Not Disclose N/A= Not Available Please note that some firms chose not to respond, or failed to respond in time to our inquiries. All rights reserved. Copyright 2013 by Enterprise Newspaper Group 18 · December 9-15, 2013 · The Enterprise - Utah's Business Journal Focus Insurance & Group Benefits

require your group health plan to provide enrollment rights under federal law. to begin evaluating your employee health WOODLAND health benefits to same-sex spouses that Also, an employee will be able to coverage and planning for the employer from page 13 are provided to opposite-sex spouses since use funds in his or her health care flexible requirements now scheduled to begin with there is currently no federal requirement to spending account (or funds in his or her 2015. Weighing the costs of sufficient cov- had prior coverage and could provide the do so. The definition of spouse for purposes health savings account (HSA) or health erage and possible penalties will take care- new plan with a certificate of prior credit- of your group health plan is governed by reimbursement account (HRA)) for quali- ful review and preparation. Your employee able coverage. the terms of the plan. You will want to fying expenses of a same-sex spouse or benefits lawyer or adviser and your medical Beginning with 2014, your group check the definition of spouse in your plan children of the spouse under the law. insurance broker or benefits consultant can health plans can no longer exclude cover- Looking ahead. Check in with your to confirm that it is consistent with your assist you in this process. age for pre-existing conditions for anyone. business needs. group health plan provider to confirm that Your plan will no longer need to issue cer- If your plan provides coverage, the your plan and any other health arrange- Steven Woodland is a member of Stoel tificates of creditable coverage to former employer contributions for health cover- ments for your employees are fully ready Rives LLP, where he advises employers on participants after Dec. 31, 2014. age of a same-sex spouse and children for 2014. Early in 2014 will be the time employee benefits issues. Another change for 2014 is enroll- of a same-sex spouse are now tax-free to ment in your group medical plan by an oth- the employee (just as those contributions erwise eligible employee must be available relating to an opposite-sex marriage are by the 90th day of employment even if in tax-free to the employee). You no longer the middle of a month. A number of plans are required or permitted to impute taxable SelectHealth seeks to recognize we see are changing their enrollment date to income to the employee for the cover- be the first day of the month following 60 age. And employee contributions for such days to avoid inadvertent violation of this coverage may be paid on a pre-tax basis those making Utahns healthier new rule. through a cafeteria plan if your business Are you doing something to improve dren fighting cancer and other illnesses. Same-sex marriages recognized maintains one. health in the community or serve popula- “It is an honor to work with so many under federal law. Another change Employers were required to stop tions with special needs? If so, SelectHealth positive nonprofits throughout the state,” impacting benefit plans of your business is imputing income for coverage of same-sex wants to help. said SelectHealth community relations di- a recent U.S. Supreme Court ruling requir- spouses as of Sept. 16, 2013. Employees SelectHealth created the Select 25 rector Greg Reid. “Each year, we are in- ing the federal government to recognize will need to file amended tax returns for Award to recognize individuals or organiza- spired by the recipients and all they do to same-sex marriages. For all federal tax and previous years, but employers are not tions that are making Utah healthier. Twen- make Utah a better place to live.” benefit plan purposes, a same-sex couple is required to issue amended W-2s or pro- ty-five award recipients will receive $2,500 In addition to offering a cash grant, Se- now recognized as married if the marriage vide any correction for prior tax years. to further their cause. Submissions for the lectHealth will create marketing materials is recognized in the state in which the mar- Employers can recover employment taxes award are being accepted now through Jan. for each award winner to help promote its riage occurred. For example, a same-sex paid on imputed income in prior years (but 19 at select25.org. Only the first 500 appli- organization and cause. couple legally married in Washington but the cost of recovery will often exceed any cations will be considered. At least three recipients will be cho- living in Utah will be considered married tax refund for many employers). A wide range of organizations have sen from each of four specified Utah re- for these federal purposes even though Utah In administering your group health received the award since it was first intro- gions. Thirteen at-large winners will also be does not recognize the marriage. However, plan, remember that same-sex spouses with duced in 2008. Last year’s recipients in- chosen. Submissions will be reviewed by a there is no federal recognition of civil health coverage will be considered a spouse cluded a neighborhood community garden, committee of leaders from SelectHealth, In- unions or domestic partnerships. for purposes of COBRA health insurance a global children’s foundation, and a pho- termountain Healthcare and the communi- This change in the law does not continuation rights and spousal special tography group creating portraits for chil- ty.

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Facebook: www.facebook.com/durhamjonespinegar Twitter: www.twitter.com/durhamjones ~www.djplaw.com~ Focus Insurance & Group Benefits The Enterprise - Utah's Business Journal · December 9-15, 2013 · 19 20 · December 9-15, 2013 · The Enterprise - Utah's Business Journal is the second year Overstock.com company, Dickson sold the busi- primary qualifier for teams rep- BRIEFS has been a MobileWebAward win- ness to Vivint. In addition to his resenting the United States at the CALENDAR from page 5 ner. new role, Dickson will continue World Championships, Pan Am from page 11 • Simpy Mac, an Apple retail- to provide financial operations Games and/or Olympic Games, creditors’ committees in jurisdic- er and service provider based in expertise to the team. depending on the year. The first February 28, 11 a.m.-9 p.m. tions across the country. He has Salt Lake City, will donate $5 USA Weightlifting National The Utah Latin Expo, expertise in negotiating, structur- for every computer sold through SPORTS Championship to be held in Utah, sponsored by the Latin American ing and formulating reorganiza- Dec. 31 to Primary Children’s • Easton Sports Development Chamber of Commerce. Activities this event is projected to bring 200 tion plans, the recovery, assembly Hospital, a Children’s Miracle Foundation has hired Kevin include an Hispanic Economic competitors, 75 coaches and 3,000 and distribution of estate assets, as Network hospital. Customers Eldredge as the director of Summit Luncheon, 11:00 a.m.- spectators to Salt Lake City. The well as a broad range of creditor also will be able to buy “Miracle archery for the Easton Salt Lake 1 p.m.; a Safety & Excellence competition includes eight body- representations in corporate bank- Balloons” by matching Simply Archery Center in Salt Lake City. Awards Gala, 7-9 p.m.; and weight categories for men and ruptcies and insolvencies. Jenkins Mac’s $5 donation. As a thank you The center is scheduled to open to business workshops, 9 a.m.-6 seven for women. also has experience in pre-filing for each donation, patrons will the public this spring. Eldredge, a p.m. Location is the Salt Palace • Deer Valley Resort has or out-of-court workouts and has receive a coupon for $10 off their certified Level 4 Coach through Convention Center, 100 S. West next purchase of an accessory or been named Best Ski Resort in Temple, Salt Lake City. Free. advised numerous large creditors USA Archery, will be responsi- $10 off their next trade-in. the United States in the inaugural Details are at www.utahlatinexpo. in such matters. Before joining ble for the Easton Foundations World Ski Awards, part of the com. Dorsey, Jenkins was shareholder regional archery activities and for World Travel Awards. The des- of Jones Waldo PC in Salt Lake SERVICES the management and growth of • Vivint Solar, a residential ignation came after a year-long April 25-26 City and prior to that worked at the the Salt Lake Center, including solar provider based in Provo, vetting and selection procedure Utah Investment, Business New York law firm of LeBoeuf, promoting archery classes, semi- named two new executives to its by the World Ski Awards team. & Career Expo. Event is designed Lamb, Greene & MacRae for 23 nars, programs, events and the years. His education includes his leadership team and promoted Deer Valley Resort’s win comes to showcase Utah businesses and development of new ideas to sup- investment opportunities in the law degree from the University of another. Chris Lundell, chief mar- after nearly 1 million votes were keting officer, is responsible for port archery in the Salt Lake area. public equity and real estate mar- Utah. received from across the globe for all marketing strategy, programs, Eldredge has been involved with kets and to introduce businesses • Jones Waldo, Salt Lake the competing resorts. Votes were partnerships and campaigns. He USA Archery as an international and financial services and career City, has hired Taryn Evans, Jill cast by ski tourism professionals has more than 25 years of experi- competitor, national champion, and business opportunities to Coil and Brady Rasmussen for its worldwide as well as thousands ence in sales and marketing lead- past board vice president, past the public to help people plan Salt Lake City office and Richard of luxury travel consumers via ership management, most recently JOAD Committee chairman, and their financial future, build their Petersen for the law firm’s Provo worldskiawards.com and World as vice president of worldwide coach and team leader at numer- careers or start their own busi- office. Evans is an associate, with Ski Awards’ Facebook page. sales at EveryoneSocial.com. ous Junior and Senior world cham- nesses. Location is South Towne her primary areas of focus being Lundell also served as CMO/ • Goldener Hirsch Inn, a Expo Center, 9575 S. State St., pionships. He has also coached litigation, domestic and family COO of DomoTechnologies (for- hotel in Deer Valley Resort, has Sandy. More information is avail- numerous world champions and law. She earned her bachelor’s merly Corda) and was responsible been voted the country’s “Best Ski able by calling (801) 688-8929, world record holders. He has been degree at the University of Utah for growing enterprise business Boutique Hotel” in the World Ski emailing FortuneExpoUSA@ the mayor of Hatch, Utah, and the in business management and her intelligence software business. He Awards. The Goldener Hirsch beat gmail.com or visiting www.for- president of the Southern Utah juris doctor in 2013 from S.J. also served as vice president and out five other top finalists from tune-expo.com. Officials Association, and is cer- Quinney College of Law. Coil general manager of LANDesk’s Park City, Jackson Hole, Telluride Asia Pacific operations. Prior to tified as an advanced EMT. He is an associate practicing crimi- and Beaver Creek. The World Ski nal, domestic and family law. She LANDesk, Lundell served in a owns his own small business and QUALITY Awards, part of the World Travel represents individuals in every variety of sales and marketing has also helped start up other suc- Awards, recognize hotels for ele- from page 1 aspect of their cases, from tri- roles at Novell, including head cessful corporate entities. vating “the ski-tourist customer als to appeals and minor criminal of North America marketing. • Ski Utah recently launched living costs. Availability of good experience” and “stimulating both actions. Coil earned a bachelor Jan Newman, vice president of an improved website. SkiUtah. jobs had the largest discrepancy, the domestic and international of art in political science in 2004 business development, is respon- com provides a comprehensive with an importance rating of 88.4, sible for expansion of business ski-tourism markets.” More than from Brigham Young University. look at what Utah’s 14 resorts and a quality rating of only 68.6. partnerships and channels and a million votes from across the • Five factors rated above Rasmussen joins Jones Waldo’s have to offer, including events, possible growth into new solar globe were cast this year in the average in both importance and litigation practice group. He is deals, snow reports and more. The verticals. Newman is a technol- a member of the American Bar two months polls were open. quality can be considered Utah ogy entrepreneur with more than new site features extensive trip Association, Salt Lake City Bar • Park City Mountain Resort successes. They are higher educa- 25 years of executive experience planning tools, custom detailed tion, availability of quality health- Association and the Utah State (PCMR) has earned rankings in in the industry. After starting his weather forecasts, a new travel care, support that people provide Bar Association’s litigation, con- three industry publications. For career at Novell, Newman found- expert blogger and large imagery one another, good parks and rec- struction, business law and real the second year in a row, Ski ed KeyLabs Inc., an independent that showcases Utah’s beauty. Ski reation and safety and security estate property sectors. Petersen, Magazine ranked PCMR one of software testing and verification Utah’s snow report is the official from crime. formerly of Howard, Lewis & North America’s five best resorts company. He sold the company to snow report for the resorts. This • In addition to the Quality Petersen in Provo, joins Jones and tops for resort access. Freeskier Exodus Communications for $42 season, the snow report features of Life Index questions, the sur- Waldo’s estates and trusts and Magazine ranked PCMR’s four million in 1999. Newman then a custom weather synopsis from vey asked respondents which one tax planning practice groups with terrain parks as the No. 2 set- founded Altiris Inc., a systems Wasatch Snow Forecast. In addi- thing could most improve the expertise in business and person- up in North America. TransWorld management company. Altiris tion to the website enhancements, quality of life where they live. al tax planning, estate planning, went on to complete an initial Snowboarding Magazine ranked Ski Utah recently named Erika The top responses reflected the business consulting, real property public offering in 2002 and was the resort’s two halfpipes as No. Wiggins to the blog team as the need to improve air quality, the and contract disputes. Petersen eventually purchased by Symantec 4 in the industry. Both Freeskier availability of good jobs, K-12 “Snow Travelista.” Wiggins is a received his bachelor of arts at Corp. for more than $1 billion. and TransWorld ranked the resort education and decreased levels of freelance writer who will share Brigham Young University. Most recently, Newman was a among the top 10 overall. crime and traffic. partner at SageCreek Partners. tips and inspiration for planning a “Survey respondents are • Paul Dickson, previously vice winter vacation in Utah. TECHNOLOGY fairly happy with their quality of Fusion-io, based in Salt Lake City, RETAIL president of finance, has been pro- • Salt Lake City has been life,” said Utah Foundation pres- • Overstock.com Inc., a Salt has appointed Ian Whiting as moted to vice president of opera- selected by USA Weightlifting ident Stephen Hershey Kroes. Lake City-based online discount executive vice president of global tions, responsible for directing the as the location for its 2014 “Even the factors with the lowest retailer, took top honors in the field operations. He will lead the systems, processes and solutions USA Weightlifting National quality ratings are not at the bot- Web Marketing Association’s 2013 worldwide Fusion-io sales team. that make it possible to deliver Championships, set for July tom of the overall quality scale. MobileWebAwards for best retail Whiting previously was senior vice lower-cost power to homeown- 15-20 at the Grand America Nonetheless, the availability of mobile application for Android president of sales for the Americas ers. Dickson most recently was good jobs is still Utahns’ greatest devices. Features in Overstock. Hotel Grand Ballroom. Utah at Riverbed Technology Inc. and vice president of finance at Vivint concern, even after improving its com’s new Android app include Weightlifting, Visit Salt Lake and senior vice president worldwide Solar. Dickson cofounded Meter rating by 9 percent since 2011.” simplified browsing, sharper prod- the Utah Sports Commission will sales at Brocade Communications Solutions as a university student “The items that Utahns feel uct images, better search refine- serve as the tournament hosts. Systems Inc. He also has been and won several industry acco- are important are things that ments for product results sets, The three-day championship is lades. After growing the business in various sales roles at Compaq elected officials can improve,” quick-read product reviews and an USA Weightlifting’s annual pre- from a startup to a fast-growing, Computer Corp., NetWorth Inc. said Shawn Teigen, the founda- improved cart for checkout. This mier weightlifting event and is the nationwide AMR/AMI installation and Data Translation Networking. tion’s senior research analyst. page: 21-23 Dec 9-15, 2013

industry by advancing the achievements of women.”

Chamonix Larsen, Project Manager GSBS Architects Chamonix works to provide her clients with the best value through great design. She joined GSBS Architects in 2011 because of the firm’s reputation for meeting the needs of its quality conscious clientele. She manages architectural projects and is a resource to the firm on energy efficiency and sustainable efforts to improve the asset value of buildings. She enjoys helping her clients find long term cost effective solutions. In addition to building design she helps clients enhance their sustainable culture and promote energy conservation behavior through training, education and team building. Her professional experience includes maintaining and implementing high performance building standards. As Energy Program Director for the State of Utah Division of Facility and Construction Management she managed renewable energy and efficiency projects. She helped establish a building envelope performance standard and increased standards for healthy materials in the construction of State Buildings. In 2009, she represented the Division in the establishment of the state’s employee energy conservation program. Chamonix helped obtain grants from the US Department of Energy, in partnership with the National Governor’s Association, for projects throughout Utah. Chamonix has presented educational sessions on sustainable topics to several organizations such as the League of Cities and Towns, the Associated Building Contractors, the National Association of State Facilities Administrators, the National Association of State Purchasing Officers, Brigham Young University and the Salt Lake Sustainable Building Conference. She is committed to education and served on the Salt Lake Community College Energy Management Program Advisory Committee. Chamonix was named one of “40 Under 40” by ENR, “30 Women to Watch” by Utah Business Magazine, and awarded the 2012 AIA Utah Associate Honor Award. She holds a Master of Architecture degree from the University of Utah. She can be reached at [email protected].

Thank you to the following companies for supporting women in Commercial Real Estate:

MEMBERSHIP: Melissa McIntyre (801)947-3974 SPONSORSHIP: Cristina Coronado (801)531-3038 www.crewutah.org [email protected] 22 · December 9-15, 2013 · The Enterprise - Real Estate Section

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