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The Segal Co.

1 Park Ave., New York,

N.Y. 10016-5895; 212-251-5000;

fax: 212-251-5490

Interactive benefit systems since: 1991.

Software products:

SegalVoice.

System type/cost: Purchased: $80,000 to $100,000. Operated on a service bureau basis: Price varies.

System requirements: PC system, single user or network; operates in Windows or Windows NT. Online system.

Customization optional.

First installation: 1992.

Total installations: 25.

Benefits communicated: Options available for savings plans, health plans, pension plans, workers comp benefits, flexible benefits and flexible spending accounts, surveys, eligibility, claims inquiry, job postings, enrollment.

Features: Options available to add plan descriptions; personal information; direct enrollment; modeling/projections; option selection/adjustment; health claims status; details on investment alternatives; transfers among investment funds; reports via computer diskette, electronic mail, printer, fax and mail.

Accessed through: Telephone.

User support: Onsite training, telephone assistance.

Staff: 10 total, 10 professionals.

Clients: 19 total, including six new clients and three who added additional features to their interactive benefit communication system in 1996.

Branch offices: Phoenix; Los Angeles; San Francisco; Denver; Hartford, Conn.; Washington; Atlanta; West Palm Beach, Fla.; Chicago; New Orleans; Boston; Minneapolis; St. Louis; New York; Cleveland; Houston; Seattle; Edmonton and Toronto, Cananda.

Officers: Robert D. Krinsky, chairman; Howard Fluhr, president/CEO; Robert J. Dellovo, executive vp; Richard M. Frenzel, executive vp.

Contact: Lynn Shanley, 212-251-5259.

Sequoia Retirement Services

1911 San Ysidro Drive, Beverly Hills, Calif. 90210-1520; 310-859-1961; fax: 310-859-7077

Interactive benefit systems since: 1989.

Software products:

Estate Registry.

System type/cost: Purchased: $15.

System requirements: PC system, single user; operates in DOS.

Customization optional.

First installation: 1989.

Total installations: 200.

Benefits communicated: Retirement plans.

Features: Standard system provides personal information; modeling/projections; reports via printer.

Accessed through: employee's PC.

User support: Onsite training, telephone assistance eight hours per day*.

Staff: One professional.

Clients: 20 total, including 20 new clients.

*Included in system price.

T

TALX Corp.

1850 Borman Court, St. Louis, Mo. 63141; 314-434-0046; fax: 314-434-9205

Interactive benefit systems since: 1980.

Software products:

TALXWare.

System type/cost: Purchased. Operated on a service bureau basis.

System requirements: PC system, single user or network; operates in Windows, Windows NT or OS/2.

Customization optional.

First installation: 1985.

Total installations: 123.

Benefits communicated: Options available for savings plans, health plans, pension plans, workers comp benefits, flexible benefits and flexible spending accounts.

Features: Options available to add plan descriptions; personal information; direct enrollment; modeling/projections; employee specific recommendations; option selection/adjustment; health claims status; details on investment alternatives; transfers among investment funds; reports via electronic mail, printer and fax.

Accessed through: Telephone, kiosk, employee's PC, benefit department kiosk, Internet, intranet.

User support: User groups/meetings, onsite training*, telephone assistance 24 hours per day.

Staff: 115 total, 65 professionals.

Clients: 400 total, including 60 new clients and 50who added additional features to their interactive benefit communication system in 1996.

Branch offices: Phoenix; San Francisco; Atlanta; Chicago; ; Bethesda, Md.; Springfield, Mass.; Clark, N.J.; London.

1996 gross revenues: $18 million total. $12 million from employee interactive benefit communication systems sales and services, including 50% software sales, 25% hardware sales, 10% software services, 10% hardware services, 5% user support.

Officers: William Canfield, president/CEO; John Tubbesing, executive vp; Mike Smith, vp-market development.

Contact: Jackie Engel, manager-marketing.

*Included in system price.

Towers Perrin

245 Park Ave., New York, N.Y. 10167; 212-309-3400

Interactive benefit systems since: 1983.

Software products:

Outlook.

System type/cost: Purchased.

System requirements: PC system, single user or network; operates in Windows.

Customized system.

First installation: 1991.

Total installations: 38.

Benefits communicated: Savings plans, pension plans, personal savings, spouse's resources.

Features: Standard system provides plan descriptions; modeling/projections; details on investment alternatives; reports via printer.

Accessed through: Employee's PC.

Savings Planner.

System type/cost: Purchased.

System requirements: PC system; operates through intranet server.

Customized system.

First installation: 1993.

Total installations: 4.

Benefits communicated: Savings plans.

Features: Standard system provides plan descriptions; modeling/projections; details on investment alternatives; reports via printer. Options available to add personal information.

Accessed through: Kiosk, employee's PC.

User support: User groups/meetings, onsite training

Flex Planner.

System type/cost: Operated on a service bureau basis.

System requirements: PC system; operates in Windows. Online system.

Customized system.

First installation: 1983.

Total installations: 14.

Benefits communicated: Flexible benefits.

Features: Standard system provides direct enrollment; option selection/adjustment; reports via printer. Options available to add modeling/projections.

Accessed through: Telephone, kiosk, employee's PC.

Staff: 180 professionals.

Branch offices: Los Angeles; Philadelphia; Sydney, Australia; Toronto; Newbury, England.

1996 gross revenues: $1 billion total.

Officers: John Lynch, CEO.

Contact: Bob Lopes.