We know business insurance. In fact, we’ve been providing it to companies like yours for over a century. So when you choose to trust your business with us, you can be confident that we’ll get to know your operations and your employees.

We encourage our members to leverage this expertise by exploring Sentry’s free resources and tapping into their experienced safety team. Their library offers a wealth of safety materials, including dozens of insightful articles.

Topics include: Establishing a Product Safety Process at Your Business, Document Management Program, Reporting an Incident or Claim: A Guide for Farm Equipment Manufacturers and Loss Control Guidelines.

May 20, 2026 | 10-11 A.M. CT Sentry Webinar: Depending on your industry, OSHA inspections come with the territory. You may have questions like:

• What are my rights and responsibilities?
• How do I prepare for an inspection?
• What do I do during and after the compliance officer’s visit?

Don’t worry. We’re here to help you prepare for an unexpected OSHA inspection.

Webinar Offerings: For a comprehensive list of all webinars, go to .

Sentry Resource Library: Members can find a comprehensive library of safety resources from Sentry at: FarmEquip.org/SentrySafetyLibrary.

| Member since 1974

Sentry announced a 6% dividend share for product liability policies for the year.

Dividends are tiered. First year policy holders will receive 2% Second year policy holders will receive 4%. Policy holders who have been with Sentry for three years or more will receive 6%.

The dividends are possible because members who hold Sentry product liability policies have had another successful year with respect to losses. This speaks well of FEMA members, and it speaks well of Sentry, which provides its policyholders with outstanding safety advice and when there is a claim, outstanding representation.

In addition to product liability, Sentry offers a package policy program which can include property, inland marine, crime, premises liability, auto, cyber liability, umbrella, employment practices liability and workers compensation.

Did you know? Sentry offers 401(k) plans and comprehensive retirement services to members of FEMA. To learn how Sentry helps members build a stronger financial future, contact Matt Beigel at (715) 346-8523 or Matt.Beigel@Sentry.com or Trent Waltenberg at (715) 346-8405 or Trent.Waltenberg@Sentry.com.

by Eric O’Donnell at Sentry

Increased demand for financial education and personalized engagement

Employees today expect advice tailored to them. Participant engagement improves when they receive advice that aligns with their individual financial goals and career stages—especially when done through their preferred channels, whether that’s online or through an app. Regular, accessible education helps participants feel more confident in their savings.

In tandem with education, personalized communication with participants increases engagement rates, especially for employees who may be new to retirement planning.

Growing use of auto-enrollment and self-service tools by employers

Auto-enrollment continues to gain traction as one of the most effective ways to increase participation. According to the How America Saves 2024 Report, plans with automatic enrollment had a 94% participation rate last year, while voluntary enrollment plans only had a 67% participation rate 1.

At the same time, participants have come to expect digital self-service options. Features like auto-enrollment, tools and calculators, mobile plan management, and simplified dashboards make retirement planning more intuitive and help increase participation rates.

Focus on financial wellness—beyond the retirement account

Participants increasingly expect plan sponsors to help support their financial stability across the board, including providing resources for debt management, emergency savings, and budgeting. This approach not only boosts plan satisfaction but may also increase contributions over time.

Awareness around the future of Social Security

Gen-Z and millennials are increasingly pessimistic about the future of Social Security, with many expecting to receive just over half of their scheduled benefits, according to Morningstar 2. They’re deciding to focus more on their personal retirement savings to prepare for this possible scenario. This shift has energized many plan sponsors, driving them to offer more competitive and well-supported retirement benefits and educate participants about these benefits and the opportunities they present.

Retirement planning in 2025 is becoming more participant-driven. In a world of evolving benefits expectations, employees want tools and education that:
• Reflect their personal financial journeys
• Include easily digestible investment education
• Offer on-demand dedicated support
• Provide guidance toward long-term financial security

Acknowledging these trends and taking actionable lessons from them can help plan sponsors like you increase participant education and engagement.

Eric O’Donnell is a director of retirement product development for Sentry Insurance. Sentry provides cyber liability, property, casualty, life insurance, and retirement products to dealers and other businesses. Learn more at .

1How America Saves 2024. (2024). Vanguard.
2Brandus, P. (2025). Stress about Social Security and the economy has seniors taking benefits early. Morningstar.

The ¹û¶³ÊÓƵ extends its gratitude to the generous sponsors of the 2024 Marketing & Distribution Convention in Addison, TX. Your contributions played an essential role in making this event possible, ensuring its success and enhancing the experience for all attendees.

We value your unwavering support and are proud to have your partnership. Your commitment helps us bring together industry leaders, build connections, and promote innovation in the farm equipment manufacturing community.

Thank you for your dedication and for being an important part of our Association. We look forward to continuing this partnership for years to come.

Topics include: Establishing a Product Safety Process at Your Business, Document Management Program, Reporting an Incident or Claim: A Guide for Farm Equipment Manufacturers and Loss Control Guidelines.

Sept. 11 Sentry Webinar:. Slips, trips, and falls are prevalent in every industry. For many organizations, they’re the leading cause of loss. In this webinar, we’ll discuss some of the best practices to help reduce the incident potential of this common exposure.

Oct. 9 Sentry Webinar: Properly safeguarding machines is vital. In this webinar, we’ll help attendees recognize when safeguarding is needed and how to identify different types of regulatory requirements.

Webinar Offerings: For a complete list go to .

Sentry Resource Library: Members can find the comprehensive library of safety resources from Sentry at:

| Member since 1974

Are you on this list? If not, what are you waiting for? To see a complete list of registered attendees and guests, go to .

New Breakout Speaker Added: Insurance Trends in Building Valuation & Cyber

This session will focus on recent insurance trends within commercial property and cyber insurance coverage and discuss ways to address them. In the commercial property space, the cost of building materials and labor continuing to rise. Ensuring that your building limit is set to an appropriate value is critical to avoiding pitfalls – coinsurance penalties – which can reduce the total amount that you may receive in a loss.

Dan Zastava from Sentry leads a corporate underwriting and product development team at Sentry, where his team develops, implements and monitors commercial lines, product offerings, and results. He began his career nearly 20 years ago as a multi-line commercial underwriter before entering the product development space. During that time, Zastava introduced the company’s first data breach coverage in 2011 and has overseen their recent product transition in cyber insurance during 2023. In his current role, he is also responsible for arranging and purchasing the insurance coverage for Sentry’s day-to-day operations.

Don’t miss Zastava’s session on Thurs., Nov, 1 at 4:00 p.m.

Register today for the August 9 Seminar: . Frequent safety training is crucial to helping your employees stay safe on the job. But if your presentations are dull or your messaging gets stale, your team might start tuning you out. In this webinar, we’ll share innovative techniques to help keep your employees stay focused and engaged.

Check out all of Sentry’s upcoming safety webinars at

Members can also find the complete library of safety resources from Sentry at .

Your return-to-work program for injured employees is critical to your operational performance. You’ll learn the characteristics of successful post-injury management programs, strategies for overcoming common challenges organizations face and technological innovations for useful claims support.

Check out all of Sentry’s upcoming safety webinars at

Topics include:
• Establishing a Product Safety Process at Your Business
• Document Management Program
• Reporting Incident or Claim: A Guide for Farm Equipment Manufacturers
• Loss Control Guidelines

Members can find the complete library of safety resources from Sentry at:

Check out the March offerings below:

March 1 seminar: . Explore techniques to get the most out of the Drug and Alcohol Clearinghouse.

March 8 seminar: Engaging managers and supervisors. Learn the fundamentals of incident investigations and explore strategies you can use to empower your managers and supervisors to avoid workplace incidents.