administration of employee benefit plans, namely, health care benefits, workers' compensation, long and short term disability, COBRA, auto liability, life, medical and health insurance; administration of managed health care plans, namely, providing care management, utilitzation review and management, consulting in the areas of vocational rehabilitation and loss prevention; administration of medical provider networks and early return to work programs; health cre insurance services, namely, medical insurance underwriting, insurance claims administration, insurance claims processing, and insurance consulting