BI ANNUAL DIRECTORY OF EMPLOYEE BENEFIT CONSULTANTS

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RWL Benefits Inc.

6434 Maple Ave., Suite 450, Dallas, Texas 75235-5506; 214-350-7941; fax: 214-350-8745

Benefit consulting since: 1987.

Parent: RWL Group.

Services: 100% of revenues from benefit consulting.

Retirement/savings plan consulting: 5% of revenues. Includes plan design consulting, plan administration consulting, investment manager selection consulting.

Welfare plan consulting: 90% of revenues. Includes plan design consulting, insurer/broker selection consulting, evaluation of service providers, health care cost containment, cash flow analysis, flexible benefits feasibility studies, funding analyses, plan surveys.

Benefit communications consulting: 5% of revenues. Includes communications consulting, booklet and audiovisual script preparation, assistance in preparation of enrollment forms.

Staff: Four benefit consulting employees; two professionals, including one FSA, one ASA and one CPA.

Clients: 15 total; 5% corporations, 95% government agencies/entities. No minimum size client.

Compensation: By the project, on retainer, by the hour.

Gross revenues: $550,000 estimated from worldwide benefit consulting in 1997. All revenues are from the United States.

Officers: Robert W. Lazarus; Kenneth D. Wethe.

Contact: Courtney Griffiths.

Risk Management Group Inc.

940 W. Valley Road, Suite 1802, Wayne, Pa. 19087; 610-971-1776;

fax: 610-971-0218

Benefit consulting since: 1983.

Services: 80% of revenues from benefit consulting.

Retirement/savings plan consulting: 20% of revenues. Includes plan design consulting, administration systems consulting, plan administration consulting, investment manager selection consulting, asset/investment consulting.

Welfare plan consulting: 50% of revenues. Includes plan design consulting, insurer/broker selection consulting, evaluation of service providers, health care cost containment, disability management programs, pre-retirement care, elder care and long-term care plan consulting.

Benefit communications consulting: 10% of revenues. Includes communications consulting; benefit statement, booklet and audiovisual preparation.

Other services: Compensation consulting, brokering, general management consulting, claims administration, human resource information systems.

Staff: 10 total.

Compensation: By the project, commissions, on retainer, by the hour: senior consultant, $225; consultant, $175; clerical, $85.

Gross revenues: $1 million estimated from worldwide benefit consulting in 1997; $1 million in 1996; $1 million estimated total worldwide 1997 revenues. All revenues are from the United States.

Contact: Jerald D. Adair, president/CEO or Don V. Barbuto, executive vp.