dissemination of advertising for others via an on-line electronic communications network; business management services; business consultation services; business information services in the fields of employee benefits, health care and disability plans, insurance, human resources, payroll plans, retirement plans and tax matters; health care utilization and review services; computerized on-line retail services in the field of printed publications relating to employee benefits, healthcare and disability plans, insurance, human resources payroll plans, retirement plans and tax matters; referral services in the fields of business insurance, financial services, payroll and tax administration, and employee services; personnel management services, namely employee payroll services; payroll administration services for other businesses and their employees via a global computer network