BENU, working with leading local and national health plans, provides mid-size employers in Washington, Oregon, Virginia, Maryland and Washington D.C. with accessible and affordable health plan choices typically found in large companies. Additional markets are planned for 2005. The cornerstone of BENU’s strategy is a proprietary risk- based Premium Adjustment Method that minimizes concerns about adverse selection. By allowing employers to set fixed dollar contributions, it provides them the stability of a defined contribution plan with predictable costs. It also removes the complexity of offering multiple carriers and plans, by providing a single point of contact for carriers, employers and employees for benefits administration. BENU has partnered with leading health plans to offer an innovative long-term benefits strategy for mid-size employers.