THE BALDWIN GROUP

Commercial risk management in the nature of business risk management and business risk management consultation; Private risk management in the nature of business risk management and consultation; Employee benefits management in the nature of human resources analysis, management, and consultancy; Predictive modeling and forecasting of commercial risk in the nature of business risk forecasting; Business consulting, namely, advisory and risk assessment services in the field of programs intended to lower health care costs and increase business productivity through employee health and wellness

Insurance carrier services; Insurance agency and brokerage; Employee benefits management, namely, processing, administering and managing employee benefit plans concerning insurance and finance; Insurance consulting in the field of health insurance, life insurance, insurance benefits plans, property and casualty insurance, and commercial property, casualty, cyber liability, executive liability, and mergers and acquisitions insurance; Insurance information and consultancy; Insurance actuarial services; Personal insurance risk management and personal insurance risk management consultation; Financial forecasting and insurance consultancy services, namely, predictive modeling and forecasting of commercial risk and insurance coverage needs; Insurance consultancy services, namely, advisory and risk assessment services in the field of employee benefits for business insurance offered to employees, specifically, medical, dental, and life insurance, short term disability, long term disability, and accidental death and dismemberment insurance; Insurance consulting, namely, advisory and risk assessment services in the field of asset and income protection during long term disability