Project managers are the heart of the organisation, selling to and managing clients, allocating resources, arranging logistics and generating revenue for the organisation. They work closely with clients from first contact to the end of programme when all components have been delivered.

Competencies

1) Communication etiquette

2) External Relations

3) CRM Competency

4) Budgeting, Costing and negotiation

5) Programme design and proposal drafting

6) Marketing flair

Education qualifications requirements

- Degree in any discipline

- Passion for the outdoors welcome!

Reporting to Managing Director, this position will play a key role in driving our sales and marketing strategies focusing on technical solutions for our products in the global market.

Responsibilities:

• Work closely with Research & Development team in Headquarter and counterparts from other countries to develop and execute strategic application/market growth plans through thorough understanding of customers’ needs in various markets outside Japan
• Manage provision of technical services to customers and business partners effectively for commercialization of polyolefin, polyethylene and other chemical products
• Provide technical expertise in troubleshooting technical issues and managing market/customers’ new development needs
• Collaborate with sales team to organize technical education/seminars to business partners and customers to enhance brand knowledge and market expansion

Requirements:

• Bachelor’s Degree in Chemical Engineering/Polymer Science with 8 to 14 years relevant working experience
• In-depth knowledge in polymer and packaging industry related to m-LLDPE/HDPE/PP
• Proficient in Japanese language to liaise with counterparts from HQ in Japan
• Highly self-motivated, meticulous, independent and resourceful
• Strong leadership and communication skills and an effective team player
• Effective customer orientation
• Able to travel within short notice when required

*** Sales & Marketing Executive ***

- Attend to customers enquiries and email

- Resolve orders related issues, preparing quotations and invoices

- Sales coordination

- Create digital marketing

- Prepare proposals and copywrting for marketing campaigns

- Knowledge of design softwares

- Inovative and creative ideas

Please contact,

Kesmond Yow

Mobile: 97438394

Reg. No.: R1550395

Kylice Recruitment Pte. Ltd.

EA. License: 19C9585

Job Summary

Sembcorp Environment (SembEnviro) is seeking a Senior/ Consultant level professional to join our Clean Stream and Waste Advisory team of circularity consultants, technology specialists and waste-related subject matter experts. You will be part of client-facing project teams and initiatives that support the clean stream business. By demonstrating and providing greater value to clients, you will play a key role in developing and delivering strategic solutions, acquiring new clients, and growing existing client relationships to ensure business growth across multiple industry sectors in Singapore and around the region.

• Deliver innovative strategy solutions addressing complex problems and market trends related to decarbonising and transforming the waste industry.
• Support strategic engagements with new and existing clients working independently as well as with the broader teams, with an emphasis on data, analytics and research as required by respective clients.
• Support assigned accounts across industry segments, reflecting SembEnviro's offerings and strategic value propositions.

Key Responsibilities

You must have a strong desire to execute SembWaste’s vision towards zero waste and resource circularity, by providing clients with the strategy, concepts and insights, analytical techniques, implementation capabilities, and thought leadership to understand, address, and operate their businesses successfully.

• Grow the Clean Stream & Waste Advisory business by delivering strategic solutions to satisfy clients' needs.
• Support the development and implementation of a well-conceived business plan to grow the circularity business and client base for the Group.
• Be responsible for all aspects of assigned engagements, including directing the development of processes and techniques that improve the operation of the business and develop marketable solutions.
• Be an active participant in industry groups and have a well-established network with executives within the waste industry.

Preferred Requirements

• 3 to 5 years of experience in the waste-related consulting industry underpinned by demonstrated customer success.
• Understanding financial metrics such as profitability, revenue, overhead costs, and project finance.
• Proven experience facilitating collaboration among cross-functional, highly technical teams.
• Demonstrated ability to research, develop, and launch new market solutions, products, or services.
• Demonstrated ability to translate complex findings into executable strategic insights and recommendations for both executive and mid-management stakeholders.
• Cognitive flexibility and intellectual curiosity.
• Drive to develop business insights and new/creative ways of solving problems.
• Desire to work in a fast-paced, start-up like environment where deliverables and tasks may frequently change.
• Candidates who have sales experience, are target driven and proactive are also welcome to apply.

• Minimum a year of sales experience in Logistics & Supply Chain industry
• Preferably with local sales experience in Freight Forwarding (Air & Ocean & Cross border road trucking )
• Possess strong hunter mentality, business sense and industry expertise
• Added advantage if the candidate has an existing client base

Job Description

• To source for new business with potential customers
• Having existing small to large profile customers on hand.
• Customer Relationship Management
• Provide support to customer service team when required, in order to speed up the process and achieve higher level of customer satisfaction
• Assist customers to resolve issues faced when shipping through our services in a timely manner so as to prevent cumulative cost (if any) and damages.

Location: Jurong ( Nearest MRT: Boon Lay )

Responsibilities:

• To actively search for new sales opportunities, identify potential projects, and promote the company to prospective customers
• Responsible for managing sales
• Perform presentation to clients and customers.
• Visiting their company & sites regularly
• Keep track of monthly sales performance and achieve revenue targets
• Prepares monthly reports, input and insights to management for customers’ needs

Requirements:

• Minimum Diploma level with at least 5 years of related working experience
• Strong communication skills and presentation abilities
• Need to travel as and when required for meetings and visiting
• Able to maintain confidentiality and work independently

Benefits:

• 5 Working Days: Monday to Friday: 8:00am to 5:30pm / 8:30am to 6pm / 9:00am to 6:30pm
• Location: Jurong East (walking distance from MRT)
• Work Life Balance

Job Responsibilities:

• Handle end-to-end work pass administration including but not limited application, renewal, issuance and cancellation of work passes for internal, external and outsourced workers timely.
• Maintain work pass administration record tracking and follow-up closely on all work pass transaction.
• Ensure the entire work pass Administration in compliance with MOM Rules & Regulations.
• Advise and monitor all pre-employment medical check-ups for new hires.
• Liaise with MOM and clients on workers or work pass matters.
• Troubleshoot and rectify application issues i.e.. rejected application.
• Daily Operations - arrange drivers for arrival of workers / medical check / courses, vaccination etc.

Additional requirements:

• Possess CEI (Basic) advantageous
• High level of initiative, meticulous and detailed oriented with strong organization skills
• Basic understanding of the prevailing MOM rules & regulations
• 1-2 years relevant experience

Sales Manager

We are looking for a high-performing Sales Manager to help us meet our customer acquisition and revenue growth targets by keeping our company competitive and innovative. You will be responsible for maximizing our sales team potential, crafting sales plans and justifying those to plans to the upper management.

Sales Manager Responsibilities

• Achieve growth and hit sales targets by successfully managing the sales team
• Design and implement a strategic business plan that expands company’s customer base and ensure it’s strong presence
• Own recruiting, objectives setting, coaching and performance monitoring of sales representatives
• Build and promote strong, long-lasting customer relationships by partnering with them and understanding their needs
• Implementing new sales plans
• Present sales, revenue and expenses reports and realistic forecasts to the management team
• Identify emerging markets and market shifts while being fully aware of new products and competition status
• Identifying opportunities and strategies to increase sales.
• Perform any other duties assigned by the director.

Sales Manager Requirements and skills

• BS/MS degree in business administration or a related field
• Successful previous experience as a sales representative or sales manager, consistently meeting or exceeding targets
• Committed to continuous education through workshops, seminars and conferences
• Demonstrated ability to communicate, present and influence credibly and effectively at all levels of the organization
• Proven ability to drive the sales process from plan to close
• Strong business sense and industry expertise
• Excellent mentoring, coaching and people management skills Knowledge of data analysis and report writing.
• The ability to understand and follow company policies and procedures.
• The ability to work under pressure.
• Availability to work within opening hours (e.g. evenings, holidays, weekends)

Support Project team in the coordination of project activities.

Plan, schedule and manage the project efficiently and to ensure time completion.

Ensure optimal utilization or resources of the Company and to work in accordance to safety standard and within project budget.

Assist in day to day requirement.

Follow up on the project progress.

Execute all directions from managements.

To raise Material Requisition Form (MRF) based on costing sheet provided but not limited to save project cost as much as possible without limiting result or quality of Genset delivered

To discuss or consult with customer on delivery, installation and project related matter

To coordinate project related work.

Description:

• Perform Sales activity to achieve sales target
• Plan and execute sales strategy and meet the company's objective
• Explore, identify new business oportunities and develop new account
• Establish and maintain good rapport with clients
• Handle customer's order, inquiries, negotiation and closing of dales in an effective and efficient manner

Requirements:

• Diploma in Mechanical Engineering or equivalent
• With 5 years experiences in Sales industrial handling heavy equipment
• Familiar with China brand heavy equipment, Forklift, Excavator, Drilling Rig, Crawler Cranes
• Possess excellent communication, presentations and customer relationship skills

Job Summary

Sembcorp Environment (SembEnviro) is seeking a Senior/ Consultant level professional to join our Clean Stream and Waste Advisory team of circularity consultants, technology specialists and waste-related subject matter experts. You will be part of client-facing project teams and initiatives that support the clean stream business. By demonstrating and providing greater value to clients, you will play a key role in developing and delivering strategic solutions, acquiring new clients, and growing existing client relationships to ensure business growth across multiple industry sectors in Singapore and around the region.

• Deliver innovative strategy solutions addressing complex problems and market trends related to decarbonising and transforming the waste industry.
• Support strategic engagements with new and existing clients working independently as well as with the broader teams, with an emphasis on data, analytics and research as required by respective clients.
• Support assigned accounts across industry segments, reflecting SembEnviro's offerings and strategic value propositions.

Key Responsibilities

You must have a strong desire to execute SembWaste’s vision towards zero waste and resource circularity, by providing clients with the strategy, concepts and insights, analytical techniques, implementation capabilities, and thought leadership to understand, address, and operate their businesses successfully.

• Grow the Clean Stream & Waste Advisory business by delivering strategic solutions to satisfy clients' needs.
• Support the development and implementation of a well-conceived business plan to grow the circularity business and client base for the Group.
• Be responsible for all aspects of assigned engagements, including directing the development of processes and techniques that improve the operation of the business and develop marketable solutions.
• Be an active participant in industry groups and have a well-established network with executives within the waste industry.

Preferred Requirements

• 3 to 5 years of experience in the waste-related consulting industry underpinned by demonstrated customer success.
• Understanding financial metrics such as profitability, revenue, overhead costs, and project finance.
• Proven experience facilitating collaboration among cross-functional, highly technical teams.
• Demonstrated ability to research, develop, and launch new market solutions, products, or services.
• Demonstrated ability to translate complex findings into executable strategic insights and recommendations for both executive and mid-management stakeholders.
• Cognitive flexibility and intellectual curiosity.
• Drive to develop business insights and new/creative ways of solving problems.
• Desire to work in a fast-paced, start-up like environment where deliverables and tasks may frequently change.
• Candidates who have sales experience, are target driven and proactive are also welcome to apply.

Job Description:

• Support Sales Executive and coordinate sales-related activities within the organization.
• Ensures accurate and timely processing of sales orders.
• Inform customers of any delays and arrange alternate delivery dates.
• Work closely with the Logistics Department to ensure seamless flow of delivery to customers.
• Closely follow up and update customers on quotations, order confirmation as well as delivery dates.
• Dealing with products or technical queries.
• Attending to phone queries, emails and messages.
• Prepare reports which include Weekly Sales Tracking, KPI and EXCO.

Job Requirements:

• Minimum Diploma/ITE/GCE O levels.
• Good communications and interpersonal skills.
• Positive attitude and passion in learning.
• Adaptable, lots of initiative and willingness to undertake challenges.
• A team player.

Interested parties, please send your full-detailed resume including expected/current salary to [email protected]

Roles:

-To perform indoor sales and handle stocks.

-Prepare Quotation, Invoice and Delivery Order

-Providing Administrative , Operational and Sales and Marketing Support

-Support MD and employees in variety of task and familiar with concepts of operation and procedures

-Comminicate effectively via email/phone.

-High quality of work and operate in timely manner.

-Liaise with clients to discuss projects and products requirements and delivery schedule

-Maintain contact listing

Requirements;

-Proven Admin and Sales experiences

-Knowledge of MS skills and management operational and procedures

- Excellent and efficient time management skill and communication skills.

-Knowlege of Auto-Count Accounting software is a plus

Job Description

• Marine Engineering
• Basic $2500 - $3500
• Mon-Fri (9.00am-5.30pm)
• Walking distance from Tuas west road mrt

Responsibilities

• To perform all kinds of general admin duties such as data entry, preparing weekly and monthly reports
• To handle PO, DO, Contract and quotation
• To attend to customers via phone and email
• To respond to complaints from customers and give after-sales support when required

Requirements:

• Min Diploma/Degree with no experience are also welcome.

For consideration, kindly submit your CV by clicking “APPLY Now”

**Only shortlisted candidate would be notified**

EA Reg. No: R23114214 | Chloe Tan

Responsibilities:

• Attend to customers’ queries pertaining to sales and rental of equipment.
• Prepare Quotation and follow up.
• Liaise with operation team for equipment delivery.
• Submit signed Quotation, Purchase Order and Delivery Order to billing team for Invoice issuance.
• Collection of payment due from customer.
• Sourcing potential new customer.
• Establish and maintain positive customer relationships.

Requirements:

• Minimum GCE O-Level or Diploma in any field.
• Possess class 3 driving license.
• Knowledge in industrial equipment will be an advantage.
• Good interpersonal and communication skills.
• Self-motivated and result oriented.

Please apply with your updated resume with the following information:

1. Working experience in reverse chronological order

2. Expected salary

3. Date of availability

We appreciate your time and effort in applying for this position, however only shortlisted candidates will be contacted.

Job Summary:

The Parts Sales & Marketing Manager is the commercial interface between dealers and customers in his area and regional/ sub-regional market management. The incumbent will be responsible for Volvo Uptime & Parts turnover for the responsible markets. The incumbent will need to implement service and parts concepts, when needed with agreed local adaptation at the dealerships. The incumbent will be responsible to scan the markets in search for new ideas to increase profit, as well as be the brand ambassador for Volvo CE. The incumbent will have close interaction with other sub-regional customer support functions, sub-regional management, and market equipment sales etc. The role reports to Head of Uptime & Parts Market SEA, based in Singapore.

Main Tasks/ Responsibilities / Authorities:

• Create business plan proposal and develop action plans, sales activities to achieve profitable growth
• Roll out parts and service concepts and promotions at the dealerships, when needed with local adaptations (marketing plan)
• Commercial development of dealers through coaching and training
• Facilitate audit process of dealer operating standards and follow up action with dealer
• Represent Aftermarket logistics at the dealerships and provide feedback to Aftermarket logistics in the market
• Price and profitability management in his area
• Scan the markets to identify areas of growth, customer segments or product ideas and provide feedback to regional marketing
• Participate in dealers’ network, including organization and competence development
• Perform regular customer visits to understand market requirements, pursue opportunities, gather feedback on competitor activities and perform competitive analysis
• Responsible for operational parts sales result (turnover and gross margin)

Education/Professional Qualifications required for the position:

• Preferred Degree in Mechanical or Electrical field
• Minimum five (5) years of supervisory experience related to sales operations, preferable from the Construction Equipment or Automotive industry
• Strong customer orientation and has the ability to effectively interface with customers
• Proven leadership and have strong organizational skill
• Ability to persuade and influence is essential
• Ability to make effective decisions based on clear understanding of the business and customer requirements
• Excellent verbal and written communication skills in English and a local language
• Has an analytical approach to problem solving with strong attention to detail
• Excellent computer skills such as Microsoft Office

Additional Important Requirements (e.g. language, mobility):

• Ability to convince others
• Brand ambassador
• Good interpersonal skill
• Demonstrate sensitivity to different cultures
• Traveling will be required, at least 30-40%
• Preferably someone with experience working with South-East Asia countries

Job Description

• Basic $2500 - $3000
• Mon-Fri (8.30am-5.30pm)
• AWS + Bonus (average 3mths)
• Jurong East- International Business Park

Responsibilities

• Attend to customers’ enquiries & daily quotations
• Co-ordinate sales requests such as checking stock availability and delivery schedules
• Preparation of quotation, sales orders, purchase orders, delivery orders etc
• Liaison with customers and suppliers before/after job completion
• To liaise at all times with all team members and work as a team to reach targets set by the sales department

Requirements:

• Min O level with 1 year working experience

For consideration, kindly submit your CV by clicking “APPLY Now”

**Only shortlisted candidate would be notified**

EA Reg. No: R23114214 | Chloe Tan

Job Description:

Reporting to the Sales Manager. The candidate is responsible for the sales numbers and sales growth in the Hardware and Construction Division. He/She is required to prospect for new accounts, maintain existing accounts, and build relationships with newly acquired customers.

Requirements:

• Diploma in Mechanical Engineering or equivalent
• Good knowledge of pumps will be ideal
• Experience with site plumbing estimation
• Familiarity with Building services, construction industry
• Proven experience in developing and maintaining relationships with main contractors, plumbers and other stakeholders.
• Design, select, and specify appropriate pump systems based on project requirements and industry standards.
• Strong Sales Drive
• Possess own vehicle

Today, Lonza is a global leader in life sciences operating across three continents. While we work in science, there’s no magic formula to how we do it. Our greatest scientific solution is talented people working together, devising ideas that help businesses to help people. In exchange, we let our people own their careers. Their ideas, big and small, genuinely improve the world. And that’s the kind of work we want to be part of.

Did you know that we are the 1st biologics contract manufacturer in Singapore? We offer you exposure to upcoming biotech and established pharmaceutical companies and to the manufacturing technology needed to produce mammalian treatments and cell therapies of tomorrow. Our global manufacturing network is recognized for its reliable, high-quality services, regulatory track record, global footprint, innovative technology platforms and extensive experience – we, in Singapore are proud to be part of this global network.

The Material Specialist is responsible for quality documentation in support of  direct material related tasks workflow. These include deviation management, material qualification, raw material specification and change control procedures.

Key responsibilities:

• Responsible for the creation / revision of Raw Material Specification
• Own TrackWise records for complex Change Request, Deviation and applicable Task.
• Provide appropriate coaching and guidance on the execution of Change Request and Deviation as necessary.
• Provide oversight of the timely execution and closure of records related to Supplier Change Notification (SCN), Change Request (CR) and Task. Escalate to Management for records that run into risk of missed timelines.
• Responsible for communicating with customers for notifications and approvals.
• Responsible for workflow and process streamlining and improvement.
• Perform any other tasks as assigned by area management.

Key Requirements:

• Degree or Diploma in SCM or Quality relevant discipline.
• Solid Material management experience in GMP environment.
• Planning, organizing and controlling skills and action oriented.
• A team player with Positive attitude.
• Sensitive to deadlines.
• Good communication and time management skills.

Every day, Lonza's products and services have a positive impact on millions of people. For us, this is not only a great privilege, but also a great responsibility. How we achieve our business results is just as important as the achievements themselves. At Lonza, we respect and protect our people and our environment. Any success we achieve is no success at all if not achieved ethically.

People come to Lonza for the challenge and creativity of solving complex problems and developing new ideas in life sciences. In return, we offer the satisfaction that comes with improving lives all around the world. The satisfaction that comes with making a meaningful difference.

Benefits:

• 5 days, MNC, West, Near MRT
• $2700 - $3000, 1mth AWS, Variable performance bonus
• Attendance & Transport allowance, medical/dental benefits
• Friendly environment

Job responsibilities:

• Coordinate with sales department on customer needs and target markets
• Assist in the preparation and organizing of promotional material or events
• Order processing and prepare quotations for customers
• Maintain and update knowledge base of products, services, and pricing
• Liaise with logistics team to ensure customers deliveries are met

Requirements:

• Minimum a GCE ‘O’ level qualification or equivalent
• At least 2 years of proven experience in a sales coordination role
• Highly organized, detail oriented, and ability to multi-task
• Flexible and adaptable

Interested applicants, please send your resume to [email protected]

• MNC, 5 days, West (near MRT)
• $2800 - $3500 basic, transport/mobile allowances
• AWS, bonus, Attendance allowance
• Medical/dental benefits

Job scope:

• Increase market share and meeting sales and profit targets
• Develop and grow new account by providing professional customer service
• Achieve sales targets and strengthen customer base.
• Collect business information from customers/markets
• Service and manage the key account by conducting sales visit and product presentations

Requirements:

• Possess GCE ‘O’ level and above or equivalent
• 2-3 years of relevant sales experience
• With or without own vehicle
• Sales and result oriented
• Good communication and presentation skills

Interested applicants, please send your resume to [email protected]

Graduating students, how will you use your education to help people?

If you are reading Human Resources Management, Marketing, Psychology, or equivalent courses, and in your
final year / semester, a 6-Month Work Attachment may help to kickstart your career! We are looking for selfstarters who are seeking a rewarding internship and a potential career in recruitment.

We empower you with opportunities to work on real-life business challenges and kickstart your career through our 6-Month Work Attachment. Successful applicants will gain pragmatic work experience while solving manpower needs for various industries. Interns who meet outlined performance expectations will be offered conversion to a full-time role!

Company Description
A thriving Singapore based company founded in 2004, ScienTec has transformed organizations across Asia
Pacific with our 4 principal services: Staffing, Specialist Search, Outsourcing and Consulting. Fuelled by
entrepreneurial leadership and committed team members who are passionate about recruitment, we are
relentless in pursuing service excellence, crafting methodologies and perfecting our delivery process to meet our
clients' needs. We also continuously seek to harness advanced technology in our search and operations.

Our "People First, Always" core value underpins our mission to redefine the standards of HR services. Our sector
and functional coverage include technology, industrial and engineering recruitment markets.

What you will gain:
This opportunity allows you to get involved in recruitment, sales, general HR, customer service and build your
competency in negotiation, communication, and analytical skills in real-life situations. You’ll learn and
understand the full cycle of recruitment, including attraction, selection, offering, closing and onboarding duties
under the guidance of a designated Mentor, together with a team of passionate recruiters to achieve and deliver
outcomes!

What you will be involved in:

• Gathering client requirements
• Sourcing and screening of candidates; you will gain knowledge about the different methods and platforms
  to ensure effective searches
• Conducting interviews and profiling suitable candidates
• Assisting Mentor with proposing potential candidates to prospective companies
• Aiding during the offer process and contract signing
• Other ad-hoc duties

Who you are:

• A confident communicator with strong interpersonal skills
• An organised, analytical and self-motivated team-player
• A passionate initiator who enjoys working in a fast-paced and team-oriented environment
• A tech-savvy individual who is proficient in Microsoft Word, Excel and keen to learn new tools

Responsibilities:

• Manage new customer base
• Prospecting sales visits and regular follow-ups
• Develop business relationship, visit and make presentation to potential customer
• Execute a sales plan and report daily activities
• Offer, quotations according to customer requirements
• Pre-sales preparation, negotiation of sales contracts and after-sales service
• Gather market intelligence and identity potential customers
• Design innovative marketing tools for new product lines
• Identify potential market opportunities & prioritize for marketing and sales

Requirements:

• Minimum Diploma in Chemical Process/Field of Study
• Fresh graduates are also welcome
• Aggressive, systematic and analytical mind
• Possess, initiative & good working attitude
• Self-motivated, mature & independent
• Team Player
• Good interpersonal & communication skills

Key Responsibility

• Prospect and generate new leads
• Develop and maintain relationships with existing and potential customers
• Regularly conduct seminars, product demonstrations and technical presentations to customers and prospects
• Develop sales proposals and negotiate contracts
• Meet or exceed monthly and annual sales targets
• Meet or exceed weekly sales activities targets
• Collaborate with the marketing team to develop and implement effective sales strategies
• Monitor industry trends and provide feedback to the sales and marketing teams
• Attend trade shows and industry events to network and generate leads

Qualifications:

• Proven track record of sales success in the industrial weighing industry, with a focus on cross-selling and building long-term relationships
• Bachelor's degree in business administration, sales, marketing, or a related field
• Excellent communication, presentation, and negotiation skills
• Strong interpersonal and relationship-building abilities
• Ability to work independently and collaboratively with a sales team
• Familiarity with CRM software and sales tools
• Strong desire and motivation to excel in the assigned market segment and proactively explore avenues for growth

Roles and Responsibilities:

• Identify and pursue new business opportunities to increase revenue and market share
• Develop and maintain relationships with customers to understand their needs and requirements
• Generate sales leads through networking, cold calling, and other channels
• Collaborate with operations teams to ensure excellent aftersales services
• Maintain accurate records of sales activity and customer interactions
• Meet or exceed sales targets and quotas
• Attend to customers’ enquiries promptly to ensure customer satisfaction and retention

Requirements:

• Minimum Diploma holder in Logistics / Business or related field
• 4 years’ sales experience in freight business
• Self-motivated and possess drive to meet sales target
• Good working network among customers
• Good communication and negotiation skills

Others:

· 5-day work week

· Company Transport: 2 ways from Jurong East

· Daily meal subsidy, medical, dental & insurance benefits