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AAAA Benefits 

The 2008 AAAA Benefits Mission, given the challenging economic times, was to reduce premiums and costs to members for our programs. We held benefits features intact and/or added extra value for costs paid.

Workers Compensation Insurance

Initial premiums for members declined 9%, saving out-of pocket money to members. This dividend-advantaged program returned 35% of the total premium to participating members, representing $8 million. The AAAA Workers’ Compensation Plan currently insures 74% of membership; due to favorable state rates, most of our members enjoyed lower premiums during the policy year, despite increased payroll. This trend of lower premium has decreased the upfront cost of the insurance to members, while the dividend delivers the lowest net cost in the industry.

AAAA Benefits Retirement Plan Services

AAAA Retirement Plan Services provides investment, recordkeeping and administration for members’ retirement plans. With the downturn in the economy, plan participants have experienced significant equity investment losses. AAAA Retirement Fund Trustees and our independent investment advisor continue to work diligently to monitor funds stability in these difficult times. The large cap value fund strategy fund was changed in 2008.

AAAA Benefits offered investment advice online. We changed to AdvicePlus, providing individual investment and contribution analysis for participants at no additional cost to members or participants.

The Plan Sponsor Web site, delivered to members in January, allowed plan sponsors an online data and transaction ability with at no additional cost to members.

We will be restating all plan documents as we have received approval of Prototype Plans to comply with EGTRRA. This service is included in current fee structure.

For 2009, we are investigating Target Retirement Age Investment Funds which self adjust as plan participants age.

Professional Liability Insurance

This 4A’s program to protect our members advertising product from third-party lawsuits achieved a record 61% participation from members. The program is structured as a risk purchasing group, allowing us to offer the best plan features in the industry as well as special premium discounts for our members; the insurance carrier was changed to AXIS with new enhancements.

Our Cyber Liability Policy was strengthened to reflect the increasing digital work of the members.

Management Liability Insurance

AAAA Benefits has partnered with the Philadelphia Insurance Company to deliver a Management Liability Insurance Program with a broad range of coverage enhancements at a competitive price. The program includes Directors and Officers, Employment Practice and Fiduciary Liability coverages with a 15% 4A’s member discount.

Affinity Plans

This year, AAAA Benefits announced an affinity partnership with Deluxe MediaVu®, a company providing a digital clearance system for television advertisement.


AAAA Benefits provides operation for this valuable advertising asset coding system initiative of the 4A’s and the ANA. This year, costs were maintained as we added additional customer service and Web site enhancements.

Group Insurance Program

The 2009 renewal for participating members included negotiated decreases or flat premium for Group Life and Group Long Term Disability coverages. This was accomplished by extending our relationship with Lincoln Financial.

Dental Insurance Program

Starting March 2009, AAAA Benefits will partner with OptumHealth to offer an extremely competitive group dental program to members.

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