Group Purchasing Organization that is owned and governed by its member-owner firms, which leverage their purchasing power to obtain favorable contract terms, pricing, features and servicing options from vendors related to the separate insurance programs that the individual owner firms procure for health, life, disability and other ancillary benefits programs for their employees from multiple vendor partnerships and outsourced relationships; services related to employee benefits, structuring and placement insurance arranged for member-owner organizations; and information and services are offered to member-owner firms by the company's exclusive general agent and administrator in person, via electronic media and website usage