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HomeMy WebLinkAboutBENEFIT FINANCIAL SERVICES GROUPNSURANCE N1" ON FILE. A-2019-037 1WORK MAY Nff PROCEED EXHIBIT 1 CLERK OF COUNCIL DATE; APR 3 0 2019 c9 ! K15&�0) AGREEMENT TO PROVIDE INDEPENDANT INVESTMENT } va-m CAA-twl ADVISORY SERVICES PERTAINING TO THECITY'S 457 DEFERRED COMPENSATION PLAN THIS AGREEMENT is made and entered into this 5th day of March, 2019 by and between Benefit Financial Services Group, LLC, a California Limited Liability Corporation and SEC registered investment advisor and wholly -owned, indirect subsidiary of Focus Financial Partners ("BFSG" or "Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing under the Constitution and laws of the State of California ("City"). RECITALS A. The City desires to retain a consultant having special skill and knowledge in monitoring investments and providing independent investment advice pertaining to the City's 457 Deferred Compensation Plan ("Plan") to assist the City's Plan Administrative and Investment Committee ("Committee") with oversight of the Plan. B_ On November 21, 2018, City issued a Request for Proposal ("RFP") No. 18-102 for independent investment advisory services pertaining to the Plan. There were four proposals submitted in response and those proposals were evaluated by the Committee. Consultant was selected as the most qualified vendor. C. Consultant represents that it is able and willing to provide the requested independent investment advisory services to assist the Committee in monitoring the Plan as outlined in Consultant's proposal dated December 19, 2018 and submitted in response to City's RFP. D. In undertaking the performance of this Agreement, Consultant represents that it is knowledgeable in its field and that any services performed by Consultant under this Agreement will be performed in compliance with such standards as may reasonably be expected from a professional consulting firm in the field. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: I. SCOPE OF SERVICES Consultant shall perform independent investment advisory services to assist Committee in monitoring the Plan as set forth in the scope of services, attached hereto as Exhibit A and as outlined in Consultant's proposal dated December 19, 2018 submitted in response to City's RFP incorporated by reference as though fully set forth herein in its entirety. 2. COMPENSATION a. City agrees to pay, and Consultant agrees to accept as total payment for its services pursuant to this Agreement, a flat fee of $28,000 a year. The total sum to be expended under this Agreement shall not exceed $28,000 annually. For the term of this Page I of 9 Agreement, the total not to exceed amount, including any optional extensions, shall be $140,000, b, Payment by City shall be made within 45 days (forty-five) days following receipt of proper invoice evidencing work performed, subject to City accounting procedures. Payment need not be made for work which fails to meet the standards of performance set forth in the Recitals which may reasonably be expected by City. 3. TERM This Agreement shall commence on the date first written above for a term of three years expiring on December 31, 2022 unless tenninated earlier in accordance with Section 15, below. This Agreement also includes one optional two-year extension exercisable by the City with the approval of the Consultant pursuant to a writing executed by the City Manager and approved as to form by the City Attorney. 5. INDEPENDENT CONTRACTOR Consultant, shall, during the entire tern of this Agreement, be construed to be an independent contractor and not an employee of the City. This Agreement is not intended nor shall it be construed to create an employer -employee relationship, a joint venture relationship, or to allow the City to exercise discretion or control over the professional manner in which Consultant performs the services which are the subject matter of this Agreement; however, the services to be provided by Consultant shall be provided in a manner consistent with all applicable standards and regulations governing such services. Consultant shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to employees and shall be responsible for all applicable withholding taxes. b. OWNERSHIP OF MATERIALS This Agreement creates a non-exclusive and perpetual license for City to copy, use, modify, reuse, or sublicense any and all copyrights, designs, and other intellectual property embodied in plans, specifications, studies, drawings, estimates, and other documents or works of authorship fixed in any tangible medium of expression, including but not limited to, physical drawings or data magnetically or otherwise recorded on computer diskettes, which are prepared or caused to be prepared by Consultant under this Agreement ("Documents & Data"). Consultant shall require all subcontractors to agree in writing that City is granted a non-exclusive and perpetual license for any Documents & Data the subcontractor prepares under this Agreement. Consultant represents and warrants that Consultant has the legal right to license any and all Documents & Data. Consultant makes no such representation and warranty in regard to Documents & Data which were provided to Consultant by the City. City shall not be limited in any way in its use of the Documents and Data at any time, provided that any such use not within the purposes intended by this Agreement shall be at City's sole risk. Page 2 of 9 INSURANCE Prior to undertaking performance of work under this Agreement, Consultant shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: a. Commercial General Liability Insurance. Consultant shall maintain commercial general liability insurance naming the City, its officers, employees, agents, volunteers and representatives as additional insured(s) and shall include, but not be limited to protection against claims arising from bodily and personal injury, including death resulting therefrom and damage to property, resulting from any act or occurrence arising out of Consultant's operations in the performance of this Agreement, including, without limitation, acts involving vehicles. The amounts of insurance shall be not less than the following: single limit coverage applying to bodily and personal injury, including death resulting there8nm, and property damage, in the total amount of $1,000,000 per occurrence, with $2,000,000 in the aggregate. Such insurance shall (a) name the City, its officers, employees, agents, and representatives as additional insured(s); (b) be primary and not contributory with respect to insurance or self-insurance programs maintained by the City; and (c) contain standard separation of insureds provisions. b. Business automobile liability insurance, or equivalent form, with a combined single limit of not less than $1,000,000 per occurrence. Such insurance shall include coverage for owned, hired and non -owned automobiles. C. Worker's Compensation Insurance. In accordance with the provisions of Section 3700 of the Labor Code, Consultant, if Consultant has any employees, is required to be insured against liability for worker's compensation or to undertake self- insurance. Prior to commencing the performance of the work under this Agreement, Consultant agrees to obtain and maintain any employer's liability insurance with limits not less than $1,000,000 per accident. d. Professional liability (errors and omissions) insurance, with a combined single limit of not less than $1,000,000 per claim with $2,000,000 in the aggregate. e. The following requirements apply to the insurance to be provided by Consultant pursuant to this section: i. Consultant shall maintain all insurance required above in full force and effect for the entire period covered by this Agreement. ii. Certificates of insurance shall be furnished to the City upon execution of this Agreement and shall be approved by the City. iii. Certificates and policies shall state that the policies shall not be canceled or reduced in coverage or changed in any other material aspect without thirty (30) days prior written notice to the City. iv. Consultant shall supply City with a fully executed additional insured endorsement. If Consultant fails or refuses to produce or maintain the insurance required by this section or fails or refuses to furnish the City with required proof that insurance has Page 3 of 9 been procured and is in force and paid for, the City shall have the right, at the City's election, to forthwith terminate this Agreement. Such termination shall not affect Consultant's right to be paid for its time and materials expended prior to notification of termination. Consultant waives the right to receive compensation and agrees to indemnify the City for any work performed prior to approval of insurance by the City. 8. INDEMNIFICATION Consultant agrees to defend, and shall indemnify and hold harmless the City, its officers, agents, employees, contractors, special counsel, and representatives from liability: (1) for personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the negligent operations of the Consultant, its subcontractors, agents, employees, or other persons acting on its behalf which relates to the services described in section 1 of this Agreement; and (2) from any claim that personal injury, damages, just compensation, restitution, judicial or equitable relief is due by reason of the terms of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages, just compensation, restitution, judicial or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. The Consultant further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution, judicial or equitable relief due to personal or property rights arises by reason of the teens of, or effects arising from this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding. Notwithstanding the foregoing, to the extent Consultant's services are subject to Civil Code Section 2782.8, the above indemnity shall be limited, to the extent required by Civil Code Section 2782.8, to claims that arise out of, pertain to, or relate to the negligence, recklessness, or willful misconduct of the Consultant, ' i__ • _ '➢ Consultant shall keep records and invoices in connection with the work to be performed under this Agreement, Consultant shall maintain complete and accurate records with respect to the costs incurred under this Agreement and any set -vices, expenditures, and disbursements charged to the City for a minimum period of three (3) years, or for any longer period required by law, from the date of final payment to Consultant under this Agreement. All such records and invoices shall be clearly identifiable. Consultant shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours. Consultant shall allow inspection of all work, data, documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to Consultant under this Agreement. Page 4 of 9 10. CONFIDENTIALITY If Consultant receives from the City information which due to the nature of such information is reasonably understood to be confidential and/or proprietary, Consultant agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential Information" shall include all nonpublic information. Confidential information includes not only written information, but also information transferred orally, visually, electronically, or by other means. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that (a) has been disclosed in publicly available sources; (b) is, through no fault of the Consultant disclosed in a publicly available source; (c) is in rightful possession of the Consultant without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Consultant without reference to information disclosed by the City. 11. CONFLICT OF INTEREST CLAUSE Consultant covenants that it presently has no interests and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 12. DISCRIMINATION Consultant shall not discriminate because of race, color, creed, religion, sex, marital status, sexual orientation, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, training, utilization, promotion, tennination or other employment related activities. Consultant affirms that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 13. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Consultant, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terns of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Consultant. The parties agree that any terns or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terns and conditions hereof, shall not bind or obligate Consultant or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which is not embodied herein. Page 5 of 9 14, ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Consultant, Consultant may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject to this Agreement performed by City personnel or by other consultants retained by City. This Agreement may be terminated by the City upon thirty (30) days written notice of termination. In such event, Consultant shall be entitled to receive and the City shall pay Consultant compensation for all services performed by Consultant prior to receipt of such notice of termination, subject to the following conditions: a. As a condition of such payment, the Executive Director of the Finance and Management Services Agency may require Consultant to deliver to the City all work product(s) completed as of such date, and in such case such work product shall be the property of the City unless prohibited by law, and Consultant consents to the City's use thereof for such purposes as the City deems appropriate. b. Payment need not be made for work which fails to meet the standard of performance specified in the Recitals of this Agreement. 16. WAIVER No waiver of breach, failure of any condition, or any right or remedy contained in or granted by the provisions of this Agreement shall be effective unless it is in writing and signed by the party waiving the breach, failure, right or remedy. No waiver of any breach, failure or right, or remedy shall be deemed a waiver of any other breach, failure, right or remedy, whether or not similar, nor shall any waiver constitute a continuing waiver unless the writing so specifies. 17. JURISDICTION - VENUE This Agreement has been executed and delivered in the State of California and the validity, interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County, California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 18. PROFESSIONAL LICENSES Consultant shall, throughout the term of this Agreement, maintain all necessary licenses, pen -nits, approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. Consultant shall notify the City immediately and Page 6 of 9 in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 19, MISCELLANEOUS PROVISIONS a. Each undersigned represents and warrants that its signature herein below has the power, authority and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. b. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the body of this Agreement. 20. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in the manner provided in this Section, to the following persons: To City: Clerk of the City Council City of Santa Ana 20 Civic Center Plaza (M-30) A.O. Box 1988 Santa Ana, CA 92702-1988 Fax: 714- 647-6956 With courtesy copies to: Executive Director of Finance and Management Services City of Santa Ana 20 Civic Center Plaza (M-17) P.O. Box 1988 Santa Ana, CA 92702 Fax: 714-647-5414 Sonia R. Carvalho City Attorney City of Santa Ana 20 Civic Center Plaza (M-29) P.O. Box 1988 Santa Ana, California 92702 Fax: 714- 647-6515 Page 7 of 9 To Consultant: Darren Stewart, J.D. Vice President and Secretary 2040 Main Street Suite 150 Irvine, CA 92614 A party may change its address by giving notice in writing to the other party. Thereafter, any communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by fax, communication shall be effective or deemed to have been given twenty-four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall be excluded. IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. �tt i S NORMA MITRE Ifla�l Acting Clerk of the Council APPROVED AS TO FORM: SONIAR. CARVAL.HO City Attorney By: Laura A. Rossini Senior Assistant City Attorney RECOMMENDED FOR APPROVAL: KA H�DOWNS, CPA Executive Director Finance and Management Services Agency CITY OF SANTA ANA STEVEN MENDOZA Acting City Manager BENEFIT FINANCIAL SERVICES GROUP Darren Stewart Vice President and Secretary Page 8 of 9 EXHIBIT A SCOPE OF SERVICES Appendix ATTACHMENTI SCOPE OF WORK Introduction and Background The City of Santa Ana's full-time employee 457 Deferred Compensation Plan ("Plan") was established in 1973, with the adoption of City Resolution 7-21. Currently, the City's 457 Deferred Compensation Plan holds approximately $114 million in Plan Assets for I,171 participants and is administered through the Finance & Management Services Agency. The Committee is comprised of the Executive Director of Finance, the Assistant Finance Director, the Treasury Manager and the Budget Analyst. The Committee recently transitioned the record keeping aspect of its 457 (b) Plan to Prudential on 10/1/2018. As such, the Committee is soliciting a firm that will work hand -in -hand with the Committee and Prudential in order to assist in the comprehensive management of the Plan. In addition, the Committee is considering adding a self -directed brokerage account to allow certain participants to invest in Mutual Funds outside of the Plan's official investment lineup. Description of Work The City of Santa Ana is seeking highly qualified Finns to provide plan administration, investment and communication related services for the cty's current 457 Deferred Compensation Retirement Plan. Such services include but are not limited to the following; Administrative: • Plan Design Compliance • Regulatory/technical guidance • Prepare annual Plan Provider cost analysis • Assist in the development of Request for Proposals for Plan Provider, when the RFP is needed • Assist in ensuring best practices are met in the interest of the participants Investment• • Conduct up to four quarterly reviews of investment options • Conduct due diligence on current investment options and make recommendations on alternative options • Assist in implementing fund changes and transitions • Maintain and revise the Investment Policy Statement for the Plan • Attend on -site meetings and provide recorded minutes for each meeting/conference call • Ensure best practices are met in the review & evaluation of investment options Communication: • Assist the Committee with developing marketing and education strategies for participants • Assist the Committee with developing marketing & education materials • Provide educational seminars that will supplement the seminars conducted by the Plan Provider City of Santa Ana RFPP 18-102 Page 9 A� ®® CERTIFICATE OF LIABILITY INSURANCE DATE (MMI DA' Y) 019 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the pollcy(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Hub International Northeast Limited 100 Sunnyside Blvd Woodbury NY 11797 CONTACT NAME: Rebecca Korman alcoNN Ert. 516-677-4866 a/c No; 516-496-4040 noDRess: rebecca.korman hubinternational.com INSURERS AFFORDING COVERAGE NAICN INSURERA: Hartford Casualty Insurance Company 29424 INSURED Focus Financial Partners, LLC Focus Financial INSURER B: Berkshire Hathaway Specialty Insurance Company 22276. INSURERC: Hartford Underwriters Insurance Company 30104 INSURER D: Hartford Ins Co of the Midwest 37478 825 3rd Avenue 27th Floor New York NY 10022 INSURER E: INSURER F : COVERAGES CERTIFICATE NUMBER: 471060942 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED, NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADOL D SUBR WVD POLICY NUMBER POLICY SEE MMIDDIYYYY POLICY EXP MMIDOIYYYY LIMITS C X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE � OCCUR 31UUNAX3381 1/1/2019 111I2020 EACHOCCURRENCE $1,000.00 E RE TED PREMISES ER_ERTrrence $1,000,000 GENL 11 MED EXP (Any one person) $10,000 PERSONAL &ADV INJURY $1,000,000 AGGREGATE LIMIT APPLIES PER: POLICY PRO- ECT LOU OTHER, GENERAL AGGREGATE $3,000,000 PRODUCTS - COMP/OP AEG $3,000,000 $ C I AUTOMOBILE LIABILITY ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS HIRED X NONOWNEDPROPERTY AUTOS ONLY AUTOS ONLY 31UUNAX3381 1/112019 1/1/2020 COMBINEDSINGLE LIMIT Ea eccldenf $1,000,000 BODILY INJURY (Per person) $ X id P INJURY Ier accent BODILY ( ) $ DAMAGE Per accident $ A X UMBRELLA LIAB EXCESS LIAB X OCCUR CLAIMS -MADE 31RHUAX3254 1/1I2019 1/1/2020 EACH OCCURRENCE $15,00Q000 AGGREGATE $15,000e00 DED X RETENTION$ DQ A0 $ D WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANYPROPRIETOWPARTNER/EXECUTIVE OFFICER/MEMBEREXCLUDED9 (Mandatory in NH) f yes, describe under DESCRIPTION OF OPERATIONS below NIA 31WBEL9793 1/1/2019 1/1/2020 X STATUTE OERH E.L. EACH ACCIDENT $1,000,000 E.L DISEASE -EA EMPLOYEE $1,000,000 EL DISEASE -POLICY LIMIT $1,000,000 B Errors & Ommislons V Y 47-PFD-190945-01 1/2612018 7/25/2019 Occ/Agmegate 10,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Evidence of Insurance CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza Santa Ana, CA 92701-4058 AUTHORIZED REPRESENTATIVE USA 't�L � U ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016103) The ACORD name and logo are registered marks of ACORD NOTICE OF COMPLIANCE CITY STAFF: PRINT THIS PAGE AND INCLUDE WITH AGREEMENT TO THE CLERK OF THE COUNCIL Contractor BFSG, LLC Name: Project A-2019-037 Number: Project Agreement To Provide Independent Investment Advisory Services Name: Pertaining To The City's 457 Deferred Compensation Plan The Certificate of Insurance (COI) submitted indicates that the coverages are in compliance with the insurance requirements. No further action is required at this time. The compliant coverage(s) are: POLICY EXPIRATION TYPE OF INSURANCE COI DATE FILE NAME NUMBER DATE City-of-Santa- Ana_BFSG,-LLC_23- AUTOMOBILE LIABILITY 31UENBC0554 01/01/2024 01/03/2023 24-BFSG,-LLC_1-3- 2023_596117223_1.pdf City-of-Santa- Ana_BFSG,-LLC_23- GENERAL LIABILITY 31UUNAX3381 01/01/2024 01/03/2023 24-BFSG,-LLC_1-3- 2023_596117223_1.pdf City-of-Santa- Ana_BFSG,- PROFESSIONAL LIABILITY 47EPF15094503 01/24/2023 09/21/2022 LLC_BFSG-E&O- Excess_9-21- 2022_1072477671.pdf City-of-Santa- WORKERS COMPENSATION AND Ana_BFSG,-LLC_23- 31WBEL9793 01/01/2024 01/03/2023 EMPLOYERS' LIABILITY 24-BFSG,-LLC_1-3- 2023_596117223_1.pdf Thank you, City of Santa Ana Risk Management Division in partnership with CTrax Plus Services Team 1/5/2023 7:13 PM