Financial analysis and information services in the areas of employee benefits, focusing on health plan costs and administration of medical and pharmacy benefits; financial consulting in the areas of pharmacy and health plan management; employee benefit services, namely, reinsurance consulting services, financial analysis services, financial risk management services, advisory services on claims administration and stop loss insurance; consultation relating to pharmacy benefit plans; consulting in the field of the administration of employee health care benefit plans and employee welfare benefits plans with a focus on medical and pharmacy costs and administration; pharmacy benefit management consulting services; advisory services and consultancy regarding healthcare benefits and pharmacy benefits; provision of information and analysis in the fields of healthcare benefits and pharmacy benefits; pharmacy benefit management services, namely, tracking, monitoring, assessing and analyzing information and statistics regarding patient prescription drug use and healthcare habits, and providing a predictive model to determine patients' future prescription drug and healthcare habits, all to identify potential cost savings and for clinical benefits; reviewing and consulting on the financial aspects of pharmacy benefit management contracts for health care plans