Today's workforce is changing. Not only is the workforce more diverse than ever before, but employees expectations are changing. Employees expect a benefit program that meets their individual yet quite different needs.

A flexible benefit program properly designed and implemented has several advantages for both you and your employees. It allows you to respond to diverse employee needs, and provides a competitive edge to help you attract and retain employees.

	John Ellingson 507/287-3560 Benefits jellingson@cobrown.com		Tom Moon 507/287-3574 Benefits tmoon@cobrown.com
	Dan Bell, CLU * 507/287-3562 Benefits dbell@cobrown.com		David Ellingson * 507/287-3564 Benefits dellingson@cobrown.com
	Mark Ellingson 507/287-3566 Benefits mellingson@cobrown.com		Christy Schmidt 507/287-3563 Benefits cschmidt@cobrown.com
	Linda Sapp 507/287-3565 Benefits lsapp@cobrown.com		Barb Bergner 507/287-3564 Benefits/Accounting bbergner@cobrown.com

* Registered Representatives of CRI Securities, LLC and Securian Financial Services, Inc.