organizing and administration of employee benefit plans, flexible savings plans and medical spending accounts; insurance and financial services, namely, providing healthcare financing; managing healthcare budgets and health savings accounts; underwriting, organizing and administration of pre-paid healthcare, dental, vision and prescription drug services and plans; health, dental, and life insurance underwriting services; electronic online underwriting, organization and administration of insurance and prepaid healthcare service plans; insurance claims processing and administration; electronic processing of insurance and prepaid healthcare plan claims; underwriting, organizing and administration of pre-paid healthcare services and plans, health and life insurance underwriting services, and dental insurance underwriting services all provided via an on-line computer network or communications means; providing financial analysis and information regarding employee benefit and insurance programs electronically or via a global computer network