At CCMSI, we're 100% employee-owned. And we use that independence to give you a definite advantage. Unlike many third-party administrators, we're not owned by an insurance carrier, broker or private equity fund. And that allows us to make client-centric decisions and focus our attention on long-term client value creation, rather than short-term financial performance. It also enables us to recruit and keep an experienced work force. Our turnover rate is less than 5%, allowing us to match great employees with focused companies to create custom solutions that adapt to their changing needs.