Your New AI Assistant Get AI-Generated Solutions, Customized to Your Business READ MORE Discover how GemAI Consulting can help your business Industry & Sector Report Custom Ratio Analysis Financial Statements Monthly Strategic Report Actionable Recommendations Comprehensive Industry & Sector Report ✔️ Gain deep insights with comprehensive SWOT analysis & industry overviews ✔️ Analyze key performance indicators & financial ratios specific to your sector ✔️ Explore competitive landscapes & identify market leaders in your industry ✔️ Understand regional market dynamics & growth opportunities ✔️ Track emerging trends & technological innovations shaping your sector ✔️ Access detailed financial projections & growth forecasts ✔️ Leverage AI-powered analytics for data-driven decision making GET STARTED Strategic Financial Ratio Insights ✔️ Calculate and interpret over 30 key financial ratios for your business ✔️ Compare your ratios against industry benchmarks and historical trends ✔️ Receive expert explanations of each ratio's significance and implications ✔️ Identify financial strengths and weaknesses through customized analysis ✔️ Access projections for 3, 5, and 10-year financial ratio forecasts ✔️ Customize ratio thresholds for automated alerts on critical financial indicators ✔️ Analyze liquidity, profitability, and efficiency ratios for monthly performance assessment GET STARTED Comprehensive Financial Health Assessment ✔️ View your Income Statement with detailed revenue and expense breakdown ✔️ Analyze Cash Flow Statement to track operational, investing, and financing activities ✔️ Examine Balance Sheet for a snapshot of assets, liabilities, and equity position ✔️ Compare key financial metrics with industry benchmarks for strategic insights ✔️ Access professional analysis of financial performance and profitability trends ✔️ Identify critical areas for improvement with expert recommendations GET STARTED Monthly Strategic Insights Report ✔️ Gain real-time financial performance snapshots with customized KPIs ✔️ Track budget vs. actual variances with detailed explanatory analysis ✔️ Income statement, cash flow statement, and balance sheet analysis ✔️ Benchmark your metrics against industry standards and competitors ✔️ Identify emerging opportunities and risks with AI-powered trend analysis ✔️ Access actionable recommendations tailored to your business goals ✔️ Leverage predictive analytics for accurate short-term forecasting GET STARTED Strategic Action Blueprint ✔️ Access a summary of key industry trends and your business's performance ✔️ Receive tailored short-term and long-term strategic recommendations ✔️ Review detailed implementation plans with specific action steps ✔️ Estimate required resources and budget considerations for informed decision-making ✔️ Leverage AI-driven insights for continuous improvement and adaptation ✔️ Schedule one-on-one consultations for in-depth strategy discussions GET STARTED Regardless of Your Industry, We Got All Your Needs in a Single AI -Powered Workspace Accommodation & Food Services Learn More Arts, Entertainment, & Recreation Learn More Construction Learn More Educational Services Learn More Finance and Insurance Learn More Healthcare & Social Assistance Learn More Human Resources & Benefits Learn More Information Learn More Manufacturing Learn More Real Estate, Rental & Leasing Learn More Retail Trade Learn More Scientific & Technical Services Learn More Transportation & Warehousing Learn More Utilities Learn More Wholesale Trade Learn More DEEP DIVE ANALYSIS IN SECONDS Unlock the power of real-time insights with our deep dive analysis capabilities. Our AI-driven tools allow you to swiftly explore and interpret complex data sets, delivering comprehensive analysis in mere seconds. Whether it's identifying trends, pinpointing anomalies, or extracting actionable insights, our solutions ensure you stay ahead of the curve with minimal effort and maximum impact. DATA VISUALIZATION Transform your data into compelling visual narratives with our advanced data visualization services. We turn complex datasets into intuitive charts, graphs, and dashboards that highlight key metrics and trends at a glance. Our visualizations not only enhance understanding but also drive informed decision-making, enabling you to communicate insights clearly and effectively across your organization. CUSTOM AI SOLUTIONS Experience tailored AI solutions designed to meet your unique business challenges. From predictive analytics to process automation, we create bespoke AI models that align with your specific needs and goals. Our custom solutions integrate seamlessly into your existing workflows, delivering enhanced efficiency, accuracy, and business performance across all operations. ​ SUPPORTING MASSIVE DATA SETS We handle vast amounts of data effortlessly with our robust AI and data management solutions. We specialize in processing and analyzing massive datasets, ensuring you can derive meaningful insights without any performance bottlenecks. Our scalable infrastructure and cutting-edge technology enable you to leverage big data for strategic advantage, driving growth and innovation. CHAT WITH YOUR DATA Interact with your data like never before through our innovative chat-based data exploration tools. Our AI-powered platform allows you to ask questions and receive instant, data-driven responses in natural language. Whether you need quick insights or detailed reports, our chat feature simplifies data interaction, making complex analysis accessible and user-friendly for everyone in your organization. How It Works: Here's Your Roadmap to Success 1. Submit Intake Form Fill out a simple online form with your business details and goals 2. Data Analysis Our team gathers and analyzes your business data to understand your unique needs and challenges 3. Industry Custom Report We create a detailed report of the industry/sector you operate in, highlighting key trends and benchmarks 4. Performance Comparison We compare your business performance with industry standards to identify strengths and areas for improvement 5. Monthly Reports Receive comprehensive reports every month, packed with insights and actionable recommendations 6. Reviews & Consultations Schedule regular consultations to review progress, discuss findings, and adjust strategies for continuous improvement Ready to Get Started? Why AI? Why Now? Imagine the early 2000s when the internet and social media began to revolutionize the business world. Many business owners hesitated, thinking these technologies were just passing trends. Fast forward to today; those who ignored the digital wave often find their businesses extinct. Those who embraced the internet and social media flourished, reaching new customers and markets they never imagined. Now, we're at a similar crossroads with AI. According to a recent study, businesses that adopt AI can see a 40% increase in productivity and a 25% reduction in operational costs. Those numbers aren't just statistics; they're the difference between thriving and merely surviving. AI enhances efficiency, optimizes operations, and provides deep insights that drive smarter decisions. Consider AI as the next essential tool in your business arsenal. Just as the internet and social media reshaped the marketplace, AI is poised to redefine how businesses operate. Those who adopt AI will be ahead of the curve, leveraging technology to stay competitive, efficient, and innovative. Embrace AI today, and secure your business's future for tomorrow. Don’t wait - embrace AI today to gain a competitive edge. We do the deep tech part, you create the future Embrace Innovation Make a difference Get Started Unleash the Power of AI for Your Business Don't wait until it's too late. Embrace AI today to transform your business operations and stay ahead of the competition. Our expert team is here to help you harness the full potential of AI, driving efficiency, innovation, and growth. A Glimpse into Our Growth 650+ INDUSTRY SECTORS 80K REPORTS GENERATED 50+ CUSTOM AI SOLUTIONS 6 SUPPORTED LANGUAGES

Privacy Policy Effective Date: July, 2024 INTRODUCTION At GemAI Consulting (“we” or “us” or “our”), we take the privacy of our users (“user” or “you”) very seriously. This Privacy Policy explains the information we collect from you when you visit our website gemaiconsulting.com, as well as any related media forms, channels, mobile websites, or mobile applications (collectively known as the "Site"). It is important that you read and understand this policy before using the Site. If you do not agree with the terms outlined in this policy, please do not use the Site. ​ We reserve the right to update this Privacy Policy at any time and for any reason. If we make changes to this policy, we will update the "Last Updated" date to reflect these changes. These updates will take effect immediately upon posting on the Site. By continuing to use the Site after these updates, you acknowledge and agree to the revised policy. You waive the right to receive notice of individual changes to this policy. We recommend that you review this Privacy Policy periodically to stay informed about any updates. By continuing to use the Site after any changes to this policy have been posted, you acknowledge and agree to the revised policy. You will be bound by the updated policy if you continue to use the Site after the changes are made. COLLECTION OF YOUR INFORMATION We may collect various types of information about you when you use the Site. This information may include: ​ Personal Data We may collect personal information such as your name, shipping address, email address, and phone number when you register with the Site or participate in activities on the Site, such as online chat or message boards. We may also collect demographic information like your age, gender, hometown, and interests. You are not required to provide us with personal information, but your refusal to do so may prevent you from using certain features of the Site. ​ Derivative Data When you visit the Site, our servers may collect information such as your IP address, browser type, operating system, access times, and the pages you have viewed before and after accessing the Site. If you are using our mobile application, this information may also include your device name and type, operating system, phone number, country, likes and replies to a post, and other interactions with the application and other users through server log files, as well as any other information you choose to provide. ​ Mobile Device Data If you access the Site from a mobile device, we may collect information about your device, such as the mobile device ID, model, and manufacturer. We may also collect information about the location of your device. ​ Third-Party Data If you connect your account to a third party and grant us permission to access this information, we may collect personal information or information about your network friends from that third party. ​ Data From Contests, Giveaways, and Surveys We may collect personal and other information from you when you enter contests, giveaways, or respond to surveys. ​ USE OF YOUR INFORMATION Having accurate information about you allows us to provide you with a customized and efficient experience on the Site. We may use the information we collect from you in the following ways: Administering sweepstakes, promotions, and contests Assisting law enforcement and responding to subpoenas Compiling anonymous statistical data and analysis for internal or third-party use Creating and managing your account Delivering targeted advertising, coupons, newsletters, and other promotional materials to you Emailing you about your account or order Enabling user-to-user communication Improving the efficiency and operation of the Site Monitoring and analyzing usage and trends to improve your experience on the Site Notifying you of updates to the Site Offering new products, services, and recommendations to you Performing other business activities as needed Preventing fraudulent transactions, monitoring against theft, and protecting against criminal activity Requesting feedback and contacting you about your use of the Site Resolving disputes and troubleshooting problems Responding to product and customer service requests Sending you a newsletter Soliciting support for the Site ​ DISCLOSURE OF YOUR INFORMATION There are certain situations in which we may share the information we have collected about you. This may include: ​ By Law or to Protect Rights We may disclose information about you if we believe it is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others. This includes exchanging information with other entities for fraud protection and credit risk reduction. We will only share your information as permitted or required by any applicable laws, rules, or regulations. ​ Third-Party Service Providers We may share your information with third parties that provide services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. These companies are authorized to use your information only as necessary to provide these services to us. ​ Marketing Communications With your consent, or after providing you with an opportunity to opt-out, we may share your information with third parties for marketing purposes, as permitted by law. This includes sharing your information with companies that may send you promotional materials or offers on our behalf. ​ Interactions with Other Users If you interact with other users on the Site, they may see your name, profile photo, and descriptions of your activity, such as sending invitations, chatting, liking posts, and following blogs. ​ Online Postings When you post comments, contributions, or other content on the Site, it may be viewed by all users and may be publicly distributed outside the Site indefinitely. This means that your posts may continue to be displayed and shared even after you stop using the Site. ​ Third-Party Advertisers We may use third-party advertising companies to serve ads when you visit the Site. These companies may use information contained in web cookies about your visits to the Site and other websites to show you advertisements for goods and services that may be of interest to you. ​ Affiliates We may share your information with our affiliates, which include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us. We will require these affiliates to honor this Privacy Policy. Business Partners We may share your information with our business partners in order to offer you certain products. These partners will be required to respect the privacy of your information in accordance with this policy. ​ Other Third Parties We may share your information with advertisers and investors for the purpose of conducting general business analysis. We may also share your information with these third parties for marketing purposes, as permitted by law. ​ Sale or Bankruptcy If we reorganize or sell all or part of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information may be transferred to a third party as an asset. You acknowledge that such transfers may occur and that the transferee may not honor commitments we made in this Privacy Policy. ​ We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no control over third-party solicitations. If you no longer wish to receive correspondence, emails, or other communications from third parties, you will need to contact them directly to opt out. TRACKING TECHNOLOGIES ​ Cookies and Web Beacons We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to customize the Site and improve your experience. These technologies do not collect your personal information when you access the Site. Most browsers are set to accept cookies by default, but you can remove or reject them if you choose. This may affect the availability and functionality of the Site. You cannot decline web beacons, but you can disable them by declining all cookies or modifying your browser settings to notify you each time a cookie is sent, allowing you to accept or reject cookies on an individual basis. We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Site to customize the Site and improve your experience. For more information on how we use cookies, please see our Cookie Policy, which is part of this Privacy Policy. By using the Site, you agree to be bound by our Cookie Policy. ​ Website Analytics We may work with selected third-party vendors, such as Adobe Analytics, Clicktale, Clicky, Google Analytics, and others, to allow tracking technologies and marketing services on the Site through the use of first-party cookies and third-party cookies. These technologies help us analyze and track user behavior on the Site, determine the popularity of certain content, and better understand online activity. By accessing the Site, you consent to the collection and use of your information by these third-party vendors. You are encouraged to review their privacy policies and contact them directly with any questions. We do not share personal information with these third-party vendors. However, if you do not want your information to be collected and used by tracking technologies, you can visit the third-party vendor or use the Network Advertising Initiative Opt-Out Tool or Digital Advertising Alliance Opt-Out Tool. Please note that getting a new computer, installing a new browser, upgrading an existing browser, or deleting or altering your browser's cookies files may also clear certain opt-out cookies, plug-ins, or settings. THIRD-PARTY WEBSITES The Site may contain links to third-party websites and applications that are not affiliated with us, including advertisements and external services. Once you leave the Site through these links, the privacy policy of the third party will apply to any information you provide. We cannot guarantee the safety and privacy of your information when you visit these third-party websites. Before providing any information to these third parties, you should familiarize yourself with their privacy policies and practices and take steps to protect your information as you see fit. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Site. SECURITY OF YOUR INFORMATION We have implemented administrative, technical, and physical security measures to help protect your personal information. However, please be aware that despite our efforts, no security measures are foolproof or impenetrable, and no data transmission method is completely secure against interception or misuse by unauthorized parties. Therefore, we cannot guarantee the absolute security of your personal information when it is disclosed online. If you have any concerns about the security of your personal information, you should not provide it to us. POLICY FOR CHILDREN We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us using the contact information provided below. CONTROLS FOR DO-NOT-TRACK FEATURES Many web browsers and some mobile operating systems offer a Do-Not-Track (DNT) feature or setting that allows you to signal your preference not to have your online browsing activity monitored and collected. There is currently no uniform technology standard for recognizing and implementing DNT signals. As a result, we do not currently respond to DNT signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted in the future, we will update this Privacy Policy to reflect our practices in response to DNT signals. If you set the DNT signal on your browser, we will respect your preference and not track your online activity. OPTIONS REGARDING YOUR INFORMATION ​ Emails and Communications If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by: Indicating your preferences at the time you create your account with the Site. Going to your account settings and updating your preferences. Contacting us using the contact information provided below Please note that if you no longer wish to receive correspondence, emails, or other communications from third parties, you will need to contact them directly. CALIFORNIA PRIVACY RIGHTS California Civil Code Section 1798.83, also known as the "Shine the Light" law, allows California residents to request and obtain from us, once per year and free of charge, information about the personal information (if any) we have shared with third parties for their direct marketing purposes, as well as the names and addresses of these third parties. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below. ​ If you are under 18 years of age, reside in California, and have a registered account with the Site, you have the right to request the removal of any unwanted personal information that you have publicly posted on the Site. To request the removal of this information, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the information is not publicly displayed on the Site, but please be aware that it may not be completely or comprehensively removed from our systems. CONTACT US If you have any questions or comments about this Privacy Policy, please do not hesitate to contact us at info@gemaiconsulting.com . ​ © 2024 GemAI Consulting ​

Terms & Conditions Effective Data: July, 2024 These Client Terms of Use (“Client Terms”), including the BINDING ARBITRATION AND CLASS ACTION WAIVER CONTAINED HEREIN, are entered into between the registered Client (“Client” or “you”) and GemAI Consulting, Inc., a Florida corporation (“GemAI Consulting” or the “Company”). PLEASE REVIEW THESE CLIENT TERMS IN THEIR ENTIRETY. BY EXECUTING THESE CLIENT TERMS, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT ANY OF THE TERMS AND CONDITIONS, DO NOT EXECUTE THESE CLIENT TERMS OR SUBMIT OR ACCEPT A STATEMENT OF WORK. Platform and Services Overview Client acknowledges that GemAI Consulting operates a software platform that provides Consulting Services using reliable data sourced from governments and analyzed by artificial intelligence (“Consulting Services”). Client acknowledges that GemAI Consulting does not guarantee the availability of any specific services or outcomes. Agreement to Use the Platform These Client Terms constitute the agreement to use the GemAI Consulting website and software platform (the “Platform”). Clients using the Platform to purchase services have also agreed to the GemAI Consulting Website Terms of Use as a condition of registration (collectively, the “Platform Terms”), which are incorporated herein. By signing these Client Terms, Client affirmatively acknowledges and agrees to be bound by the terms and conditions of the Platform Terms. Dispute Resolution and Arbitration PLEASE READ THESE CLIENT TERMS CAREFULLY. THESE CLIENT TERMS PROVIDE THAT ALMOST ALL DISPUTES BETWEEN YOU AND GEMAI CONSULTING ARE SUBJECT TO BINDING ARBITRATION, INCLUDING A WAIVER OF CLASS ACTION RIGHTS AND ANY RIGHT TO A JURY TRIAL, AS DETAILED IN THE ARBITRATION AND CLASS ACTION WAIVER SECTION BELOW. BY ENTERING THIS AGREEMENT, YOU WAIVE YOUR RIGHT TO SUE IN COURT, HAVE YOUR CLAIMS HEARD BY A JURY, AND TO BE PART OF A CLASS OR COLLECTIVE ACTION TO RESOLVE THESE DISPUTES, AS EXPLAINED IN MORE DETAIL IN THAT SECTION. Consulting Services Statement of Work Process GemAI Consulting creates a proposal to perform Consulting Services (the “Proposal”). All terms of the Proposal, including the rate of pay, may be negotiated between Client and GemAI Consulting. If the Client and GemAI Consulting agree on terms, they will memorialize the agreed-upon terms into a legally-binding Statement of Work (“SOW”), governed by the Statement of Work Terms and Conditions (“SOW Terms”). These Client Terms, the terms and conditions of each SOW, and any written addendums or modifications agreed to by GemAI Consulting and Client shall govern the provision of Consulting Services. GemAI Consulting will be compensated in accordance with these terms and each SOW negotiated and accepted by Client and GemAI Consulting. Independent Contractor Relationship Client acknowledges that GemAI Consulting has no responsibility for, control over, or involvement in the scope, nature, quality, character, timing, or location of any work or services performed by GemAI Consulting under an SOW between Client and GemAI Consulting. Client further represents, acknowledges, and warrants that throughout the Term, it will always treat GemAI Consulting as an independent contractor and take no action inconsistent with such classification. Employer Disclaimer Client acknowledges that GemAI Consulting is not an employer of, joint employer with, or integrated or single enterprise with any Client. GemAI Consulting is not responsible for the performance or non-performance of any Client. Each Client is solely responsible for their own acts and the acts of their employees, subcontractors, affiliates, and agents. GemAI Consulting is not a party to, nor is it bound by, any of the terms of any SOW. GemAI Consulting is under no obligation to ensure any SOW is completed to Client’s satisfaction. Relationship and Responsibilities Client acknowledges that throughout the Term and while providing Consulting Services, GemAI Consulting is, and shall always remain, an independent contractor providing services to identified Clients utilizing the GemAI Consulting platform. Nothing in these Client Terms or otherwise shall be construed as identifying Client or their personnel or representatives as an employee, agent, or legal representative of GemAI Consulting for any purpose, and Client and any respective representatives shall not hold themselves out as employees of GemAI Consulting in any capacity. Non-Agency Disclaimer Client shall not transact business, incur obligations, sell goods, receive payments, solicit goods or services, enter into any contract, assign or create any obligation of any kind, express or implied, on behalf of GemAI Consulting or any of GemAI Consulting’s related or affiliated entities, nor bind GemAI Consulting in any way, nor make any promise, warranty, or representation on behalf of GemAI Consulting or any of GemAI Consulting’s related or affiliated entities regarding any matter, except as expressly authorized in these Client Terms or in another writing signed by an authorized officer of GemAI Consulting. Further, Client shall not use GemAI Consulting’s trade names, logos, trademarks, service names, service marks, or any other proprietary designations without prior written approval from GemAI Consulting. Resources and Scheduling Client understands that GemAI Consulting will provide all equipment, tools, materials, and labor needed to perform the Consulting Services agreed to with Client, and that GemAI Consulting will not provide any equipment, tools, materials, or labor required to perform the Consulting Services under these Client Terms. GemAI Consulting is solely responsible for scheduling the timing of Consulting Services in a manner consistent with the scheduling requirements set forth in the SOW. Client agrees and understands that GemAI Consulting has a role in scheduling or delivering Consulting Services. Determination of Consulting Services Client understands and agrees that GemAI Consulting is solely responsible for determining how Consulting Services will be completed, as well as for any preparation and additional work necessary to properly perform Consulting Services in a manner consistent with the accepted SOW and to the satisfaction of Client. Client understands and acknowledges that GemAI Consulting remains solely and exclusively responsible for the timely provision of Consulting Services to meet Client’s requirements and specifications. Client understands and acknowledges that GemAI Consulting shall remain responsible for, and shall pay, all operational costs, expenses, and disbursements relating to operating GemAI Consulting’s business and the provision of Consulting Services under these Client Terms. Client Data GemAI Consulting does not own any of Client’s information, text, data, marketing materials, or other content, including that which the Client submits, stores, or uses in its account profile (the “Client Data”). Client shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use all Client Data. Non-Circumvention Except as set forth in Section 6 below, Client, or any subsidiaries, parent companies, partnerships, holdings, or investors related to any Client, shall not seek to receive or receive services from, or remit complete or partial payments to, GemAI Consulting without using GemAI Consulting as the intermediary of the transaction, or in any way otherwise circumvent, or attempt to circumvent, GemAI Consulting’s role as payment processor. Term and Termination These Client Terms will remain in effect until terminated by either party (“Term”). However, the parties agree that each SOW shall constitute a separate contractual engagement governed by these Client Terms, the term of which shall be the longer of (a) the length of time necessary to complete the work as set forth in the agreed-upon SOW, or (b) the length of the term defined in the stated SOW. Either party may terminate these Client Terms for any or no reason at any time by providing written notice to the other party, subject only to the terms of any SOW then in progress. If Client terminates these Client Terms, Client agrees to remit to GemAI Consulting all amounts due or accrued to either GemAI Consulting under these Client Terms as of the date of such termination. Confidentiality Confidential Information The Parties understand that, in connection with Client’s use of the Platform, the Parties may receive, produce, or otherwise be exposed to the other Party’s trade secrets, business, proprietary and/or technical information, including, without limitation, information concerning customer lists, customer support strategies, employees, research and development, financial information (including sales, costs, profits, and pricing methods), marketing, proprietary software, hardware, firmware, and related documentation, inventions (whether patentable or not), know-how, show-how, and other information considered to be confidential by a Party, in addition to all information a Party receives from others under an obligation of confidentiality (individually and collectively “Confidential Information”). Confidential Information does not include information which: (i) is now, or later becomes, through no act or failure to act on the part of the Party receiving the Confidential Information (the “Recipient”), generally known or readily available to the public; (ii) was acquired by the Recipient before receiving such information from the Party disclosing the Confidential Information (the “Discloser”) and without restriction as to use or disclosure; (iii) is furnished to the Recipient by a third party rightfully entitled to it, without restriction as to use or disclosure; or (iv) was independently developed by the Recipient without reference to the Discloser’s Confidential Information. These Terms are the Confidential Information of GemAI Consulting. Use and Restrictions The Recipient agrees: (i) to hold the Discloser’s Confidential Information in strict confidence, (ii) not to disclose the Discloser’s Confidential Information to any third parties except as reasonably necessary for the Recipient to perform its obligations hereunder, and (iii) not to use any of the Discloser’s Confidential Information except to perform the Recipient’s obligations under these Client Terms. Notwithstanding the foregoing, the Recipient may disclose any Confidential Information of the Discloser hereunder to the Recipient’s agents, attorneys, and other representatives (under a duty not to disclose) and having a bona fide need to know such Confidential Information or any court of competent jurisdiction as reasonably required to resolve any dispute between the Parties. In addition, GemAI Consulting may disclose Client’s Confidential Information to any subcontractors engaged under these Client Terms so long as (i) such disclosure is reasonably required for the subcontractor to perform Consulting Services, and (ii) the subcontractor has entered into an agreement related to such Confidential Information with terms at least as restrictive as those in these Client Terms. Legal Obligations If Recipient is requested or required by law, government action, subpoena, or other court order to disclose any of the Discloser’s Confidential Information, Recipient may disclose such information without liability under these Client Terms, provided that (i) the Discloser has been given a reasonable opportunity to (a) intervene in any proceeding to try to protect the Confidential Information and (b) review the text or contents of such disclosure before it is made; and (ii) the disclosure is limited to only the Confidential Information specifically required to be disclosed. Remedies Each Party agrees that its obligations provided in these sections under Confidential Information are necessary and reasonable to protect the Discloser and its business, and each Party expressly agrees that monetary damages may be inadequate to compensate the Discloser for any breach by the Recipient of its confidentiality covenants and agreements set forth in these Client Terms. Accordingly, each Party agrees and acknowledges that any such breach or threatened breach may cause irreparable injury to the Discloser and that, in addition to any other remedies that may be available, in law, in equity or otherwise, the Discloser will be entitled to seek temporary injunctive relief pending arbitration against the threatened breach of these Client Terms or the continuation of any such breach by the Recipient, without the necessity of proving actual damages or posting any bond. Defend Trade Secrets Act Client acknowledges receipt of this notice under 18 U.S.C § 1833(b)(1): An individual shall not be held criminally or civilly liable under any Federal or State trade secret law for disclosing a trade secret that (A) is made (i) in confidence to a Federal, State, or local government official, either directly or indirectly, or to an attorney; and (ii) solely to report or investigate a suspected violation of law; or (B) is made in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal. Representations, Warranties, and Disclaimer General GemAI Consulting and Client each warrants and represents, as to themselves, that (a) they are duly organized, validly existing, and in good standing under the laws of the respective jurisdictions in which it was formed (in the case of Clients who are not individual persons); (b) they have full power and authority to execute, deliver, and perform; (c) these Client Terms have been duly authorized, executed, and delivered by and are their legal, valid, and binding obligations in accordance with the terms herein; (d) obligations under these Client Terms shall be performed in compliance with any obligations to third parties and all applicable laws, rules, or regulations of any governmental entity or agency; and (e) Client understands, agrees, and warrants that all Consulting Services identified and engaged through the use of the GemAI Consulting platform will be treated by Client as provided by GemAI Consulting as an independent contractor. Disclaimer Other than as stated in this Agreement, Client expressly acknowledges, agrees, and understands that: (a) GemAI Consulting is not a party to the dealings between Client and any subcontractors, including posts, proposals, selection, contracting, and performance of Consulting Services; (b) GemAI Consulting does not, in any way, supervise, direct, or control any subcontractors or Consulting Services; (c) GemAI Consulting makes no representations as to the quality, security, or legality of any Consulting Services, and GemAI Consulting disclaims any and all liability relating thereto; (d) GemAI Consulting does not set subcontractors' work hours, work schedules, or location of work, nor is GemAI Consulting involved in determining if subcontractors' fees will be set at an hourly or fixed rate for any SOW; (e) GemAI Consulting will not provide subcontractors with training or any equipment, labor, or materials needed for a particular SOW; and (f) GemAI Consulting does not provide the premises at which the subcontractors will perform the work. GemAI Consulting makes no representations about, and does not guarantee the truth or accuracy of, any subcontractors' listings on the Platform; the ability of subcontractors to deliver the Consulting Services; or that Client or subcontractors can or will actually complete a transaction. Client Data Rights Client represents and warrants that: (a) Client owns or has secured sufficient intellectual property rights to any and all Client Data that Client stores, accesses, and uses with the Platform; (b) the Client Data does not and will not contain any content that is unlawful, threatening, harassing, profane, tortious, defamatory, libelous, deceptive, fraudulent, or violates any person’s privacy or publicity rights; and (c) the Client Data does not and will not contain a software virus or other harmful component. Third-Party Links & Ads The Platform may contain links to third-party websites and services, and/or display advertisements for third parties (collectively, “Third-Party Links & Ads”). Such Third-Party Links & Ads are not under the control of GemAI Consulting, and GemAI Consulting is not responsible for any Third-Party Links & Ads. GemAI Consulting provides access to these Third-Party Links & Ads only as a convenience to you and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. You use all Third-Party Links & Ads at your own risk and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links & Ads. Other Users Each Platform user is solely responsible for any and all of its own content. Because GemAI Consulting does not control content, you acknowledge and agree that GemAI Consulting is not responsible for any content, whether provided by you or by others. GemAI Consulting makes no guarantees regarding the accuracy, currency, suitability, or quality of any content. Your interactions with other Platform users are solely between you and such users. You agree that GemAI Consulting will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any Platform user, GemAI Consulting is under no obligation to become involved. Disclaimer GEMAI CONSULTING, ITS AFFILIATES, AND PARTNERS HEREBY EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THOSE OF ACCURACY, SYSTEM INTEGRATION, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, VALIDITY, NON-INFRINGEMENT, THOSE ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE WITH RESPECT THERETO, THOSE MADE BY SUBCONTRACTORS TO CLIENT OR RELATING TO ANY SERVICE, DELIVERABLE, OR WORK PRODUCT PROVIDED BY SUBCONTRACTORS TO CLIENT. THE SERVICES PROVIDED UNDER THESE CLIENT TERMS ARE PROVIDED “AS IS” AND WITH ALL FAULTS. LIABILITY FOR SUBCONTRACTORS' WORK PRODUCT AND THE CONSULTING SERVICES (INCLUDING ANY AND ALL WORK PRODUCT AND/OR SERVICES PROVIDED BY EMPLOYEES, SUBCONTRACTORS, AGENTS, AND AFFILIATES OF SUBCONTRACTORS) ARE SOLELY THAT OF THE SUBCONTRACTORS. NEITHER GEMAI CONSULTING NOR ANY OF ITS AFFILIATES OR PARTNERS PROVIDE ANY EXPRESS WARRANTY OF, HAVE ANY IMPLIED WARRANTY OF, OR HAVE ANY RESPONSIBILITY FOR, SUBCONTRACTORS' SERVICES OR SUBCONTRACTORS' WORK PRODUCT. Allocation of Risk GemAI Consulting and Client acknowledge that the foregoing limitations of liability represent a reasonable and negotiated allocation of risk; these limitations constitute an integral part of these Client Terms, and absent these limitations, the parties would not have executed these Client Terms. The limitations will apply notwithstanding the failure of the essential purpose of any limited remedy. Indemnification Client shall indemnify and hold GemAI Consulting, its licensors, and their respective parent organizations, subsidiaries, affiliates, officers, directors, employees, attorneys, and agents harmless from and against any and all claims, costs, damages, losses, liabilities, and expenses, including reasonable legal fees and costs, arising out of or in connection with: (a) any claim based on any alleged misuse of the Platform by Client, or a claim that any Client Data infringes the copyright, trademark, or patent rights of any third party; (b) any alleged conduct which would constitute a breach of the representations and warranties of Client set forth herein; and (c) GemAI Consulting’s provision of services to Client, including any claims by any third party or government agency that any services should have been performed differently. Client shall also indemnify and hold GemAI Consulting, its licensors, and their respective parent organizations, subsidiaries, affiliates, officers, directors, employees, attorneys, and agents harmless from and against any and all claims, costs, damages, losses, liabilities, and expenses, including reasonable legal fees and costs, arising out of or in connection with GemAI Consulting’s employment, retention, engagement, or use of any personnel who assist GemAI Consulting in providing any work/services in connection with the performance of the SOW, including but not limited to any claim that GemAI Consulting misclassified any such personnel (under the Fair Labor Standards Act, the Internal Revenue Code, state wage and hour law, or any other law); and any claim that GemAI Consulting was an employer or joint employer of any of its personnel under any employment or other law, including, but not limited to, the Fair Labor Standards Act, any state wage and hour law, Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, the Family Medical Leave Act, and the National Labor Relations Act. Conditions Client shall indemnify GemAI Consulting as set forth above, provided that: (a) GemAI Consulting notifies Client promptly in writing of the claim; (b) Client has sole control of the defense and all related settlement negotiations with respect to the claim; provided, that GemAI Consulting has the right, but not the obligation, to participate in the defense of any such claim through counsel of its own choosing; and (c) GemAI Consulting cooperates fully to the extent necessary, and executes all documents necessary for the defense of such claim. Arbitration Agreement and Class Action Waiver GemAI Consulting and Client mutually agree to resolve any and all covered justiciable disputes between them exclusively through final and binding arbitration instead of a court or jury trial. This arbitration agreement requires the arbitration of any claims that GemAI Consulting or Client may have against the other or against any of their: officers, directors, employees, or agents in their capacity as such or otherwise, direct or indirect parents and subsidiaries, and affiliates, agents, successors, or assigns, each and all of which may enforce this arbitration agreement as direct or third-party beneficiaries. ​ This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16) and applies to any and all claims or controversies, past, present, or future, arising out of or relating to these Client Terms, this arbitration agreement, any services provided, Client’s registration for and/or use of the Platform, any payments made by Client through the Website or arising out of or relating to the acceptance or performance of services arranged through the Website, the termination of these Client Terms, claims of harassment, retaliation, or discrimination, and all other aspects of a Client’s relationship (or the termination of its relationship) with GemAI Consulting, whether arising under federal, state, or local statutory and/or common law. Client and GemAI Consulting agree that the mutual obligations contained in these Client Terms to arbitrate disputes provide adequate consideration for this arbitration agreement. If either party initiates arbitration, the initiating party must notify the other party in writing via U.S. Mail, or hand delivery within the applicable statute of limitations period. This demand for arbitration must include: (i) the name and address of the party seeking arbitration; (ii) a statement of the legal and factual basis of the claim; and (iii) a description of the remedy sought. Any demand for arbitration by Client must be delivered to GemAI Consulting at 2925 SW Lakemont Pl, Palm City, FL 34990. The arbitrator will resolve all disputes regarding the timeliness or propriety of the demand for arbitration. Class and Collective Action Waivers GemAI Consulting and Client mutually agree that by entering into this arbitration agreement, both waive their right to have any covered dispute or claim brought, heard, or arbitrated as a class action and/or collective action, and an arbitrator will not have any authority to hear or arbitrate any class and/or collective claim (“Class Action Waiver”). Notwithstanding any other clause contained in this arbitration agreement or the AAA Rules, as defined below, any claim that all or part of this Class Action Waiver is invalid, unenforceable, unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an Arbitrator. The Class Action Waiver will be severable from this arbitration agreement if (1) the dispute is filed as a class and/or collective action and (2) there is a final judicial determination that all or part of the Class Action Waiver is invalid, unenforceable, unconscionable, void, or voidable. In such a case, the class and/or collective action to that extent must be litigated in a civil court of competent jurisdiction, but the portion of the Class Action Waiver that is enforceable shall be enforced in arbitration. Arbitration Rules Except as otherwise stated in this arbitration agreement, any arbitration shall be governed by the American Arbitration Association Commercial Arbitration Rules (“AAA Rules”), subject to the following: The arbitration shall be heard by one Arbitrator selected in accordance with the AAA Rules. Unless the parties agree otherwise, the Arbitrator shall be an attorney experienced in the law in the underlying dispute and licensed to practice law in the state in which the arbitration is convened or a former judge from any jurisdiction. The location of the arbitration proceeding will be in Florida, except as otherwise set forth herein or the parties agree otherwise. Unless applicable law provides otherwise, as determined by the Arbitrator, the parties agree that they will equally split all of the Arbitrator’s fees and costs. Each party will pay for its own costs and attorneys’ fees, if any. However, if any party prevails on a claim that affords the prevailing party attorneys’ fees, the Arbitrator may award reasonable fees to the prevailing party as provided by law. If the law (including the common law) of the jurisdiction in which the arbitration is held requires a different allocation of arbitral fees and costs for this arbitration agreement to be enforceable, then such law will be followed, and any disputes in that regard will be resolved by the Arbitrator. The Arbitrator is authorized to issue orders (including subpoenas to third parties) allowing the parties to conduct discovery sufficient to allow each party to prepare that party’s claims and/or defenses, taking into consideration that arbitration is designed to be a speedy and efficient method for resolving disputes. Except as provided in the Class Action Waiver, the Arbitrator may award all remedies to which a party is entitled under applicable law and which would otherwise be available in a court of law, but shall not be empowered to award any remedies that would not have been available in a court of law for the claims presented in arbitration. The Arbitrator shall apply the state or federal substantive law, or both, as is applicable. The Arbitrator may hear motions to dismiss and/or motions for summary judgment and will apply the standards of the Federal Rules of Civil Procedure governing such motions. The Arbitrator’s decision or award shall be in writing with findings of fact and conclusions of law. Judgment may be entered on the Arbitrator’s decision or award in any court having jurisdiction. Either GemAI Consulting or Client may apply to a court of competent jurisdiction for temporary or preliminary injunctive relief on the ground that without such relief the arbitration provided in this Section 13 may be rendered ineffectual. Notwithstanding the foregoing, any claim by Client that alleges employment or worker classification disputes will be conducted within 25 miles of where any services were provided to Client under these Client Terms and in accordance with the AAA Employment Arbitration Rules then in effect. ​ The AAA Rules referenced herein may be found at www.adr.org or by searching for “AAA Commercial Arbitration Rules” using a service such as www.Google.com or www.Bing.com . Full Arbitration Agreement This arbitration agreement is the full and complete agreement relating to the formal resolution of disputes covered by this arbitration agreement. If any portion of this arbitration agreement is deemed unenforceable, the remainder of this arbitration agreement will be enforceable. This arbitration agreement survives after the termination of these Client Terms and/or after Client ceases any relationship with GemAI Consulting. Notwithstanding any contrary language, this arbitration agreement may not be modified or terminated absent a writing signed (electronically or otherwise) by both Client and an authorized representative of GemAI Consulting. Client Dispute Resolution If a dispute arises between a Client and any subcontractors, GemAI Consulting may be engaged, at either subcontractors' or Client’s election, to provide assistance to both parties to resolve the matter. If Client and subcontractors are unable to reach an agreement, a GemAI Consulting dispute specialist will consider the parties’ positions, review the relevant documents, and make a non-binding recommendation. If GemAI Consulting’s recommendation is rejected by either party, the parties remain free to pursue resolution of their dispute by any means they deem appropriate at their own cost. Notices All notices and other communications shall be in writing and shall be deemed to have been duly given or made (i) with delivery by hand, when delivered, or (ii) with delivery by certified or registered mail, postage prepaid. Successors and Assigns These Client Terms shall be binding upon Client and inure to the benefit of GemAI Consulting and its successors and assigns, including, without limitation, any entity to which substantially all of the assets or the business of GemAI Consulting are sold or transferred. Client shall not be entitled to assign these Client Terms or any of Client’s rights or obligations hereunder. Severability If any provision of these Client Terms is or becomes invalid, illegal, or unenforceable in any respect under any law, the validity, legality, and enforceability of the remaining provisions hereof shall not in any way be affected or impaired. Waivers No delay or omission by either party in exercising any right, power, or privilege shall impair such right, power, or privilege, nor shall any single or partial exercise of any such right, power, or privilege preclude any further exercise thereof or the exercise of any other right, power, or privilege. Headings The headings and other captions in these Client Terms are included solely for convenience of reference and will not control the meaning and interpretation of any provision of these Client Terms. No Strict Construction The language used in these Client Terms will be deemed to be the language chosen by the parties to express their mutual intent, and no rule of strict construction will be applied against any person. Governing Law Other than the Arbitration Agreement and Class Action Waiver, which shall be governed by the Federal Arbitration Act, these Client Terms will in all respects be governed by the laws of the State of Florida and the United States of America without reference to its principles of conflicts of laws. Amendment These Client Terms may not be modified or amended except by an instrument in writing signed (electronically or otherwise) by the parties hereto. Entire Agreement These Client Terms, the Platform Terms, and any SOW, contain the entire agreement between GemAI Consulting and Client concerning the subject matter hereof and as of the Effective Date and supersede any contract, agreement, or understanding between the parties hereto. However, GemAI Consulting reserves and shall retain all rights and remedies it may have against Client with respect to any breach on or before the effective date of any prior agreements between the parties. If there are any inconsistencies, the Client Terms control. Signature These Client Terms may be signed and are enforceable by electronic, digital, and facsimile signature, in addition to a wet signature. © 2024 GemAI Consulting ​

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Information Back to all industries Performance Highlights Consumer demand for media is steady, but revenue within the Information sector is uneven and driven by trends in technology. Strong expansion is concentrated in online publishing and data processing, stemming from a proliferation of new consumer devices. The COVID-19 pandemic disrupted some subindustries within the sector, leading to temporary revenue dips, but a resurgence in economic activity is driving recovery. Geographic Distribution The highest concentrations of businesses are in California, New York, Texas, and Florida due to large populations and economic activity. Urban markets attract numerous competitors, whereas rural markets often have fewer providers. Industry Outlook Revenue is expected to grow at a CAGR of 2.2% from 2024 to 2029, reaching $2.7 trillion. Demand for telecommunications services will increase with the rollout of 5G and satellite internet. Technological advancements in AI, cloud computing, and cybersecurity will drive industry growth. Competitive Forces The industry is characterized by low concentration and high competition. Barriers to entry are high due to significant legal requirements and start-up costs. Successful businesses must navigate complex regulations, secure a skilled workforce, and adopt new technologies quickly. Major Companies Notable players include AT&T Inc. (7.1% market share), Verizon Communications Inc. (5.6% market share), Alphabet Inc. (4.0% market share), Microsoft Corporation (3.4% market share), and Comcast Corporation (3.3% market share). Revenue $2.4 trillion Employees 4 million Businesses 467,000 Wages $597.9 billion Economic and External Factors The sector benefits from an expanding number of businesses and households, particularly in higher-income quintiles. High levels of vertical integration exist, particularly between TV content creation and distribution. Advertising expenditure is on the rise, reflecting a boost in promotional campaigns to capture consumer spending.

Cookie Policy Effective Date: July, 2024 This Cookie Policy provides you with detailed information about when and how we use cookies. This Cookie Policy is applicable for https://www.gemaiconsulting.com/ and any other websites which may be added to the list of websites published by us and linking to this Cookies Policy or is incorporated in it by reference (the “Sites”). WHAT ARE COOKIES? Cookies are small files of letters and numbers that are stored on your browser when you access certain websites, if you agree to accept them. Cookies collect information about you, such as your preferences, the number of times you have visited a website, keep track of your movements within the website, help you resume where you left off, remember your registered login, preferences, and other customization functions. While cookies and the information they transmit may not identify a living individual on their own, they may be able to do so in combination with other information held by the online provider or a third party. Cookies can be “First Party,” i.e., set by us, or “Third Party,” i.e., placed on your device by another company when you visit our website, for example, Google Analytics or Advertising cookies. Third-party cookies may be placed on your device by someone providing a service to us (for example, we use Google Analytics to help us understand how our website is being used) or by our business partners, so that they can advertise products and services to you on our website and elsewhere on the Internet. Because of how cookies work, our website cannot access third-party cookies; nor can other organizations access the data in the cookies we use on our website. WHAT COOKIES DO WE USE Strictly necessary cookies – These cookies are essential in order to enable you to navigate this Site and use certain features. Without these strictly necessary cookies, essential features like the display of this website cannot be provided. Statistics (analytical)/performance cookies – These cookies allow us to recognize and count the number of visitors and to see how visitors move around our Site when they are using it. We also use third-party cookies to help with performance. For example, the Google Analytics cookie gives us information that allows us to recognize and count the number of visitors to our website and to see how visitors move around our website when they are using it. Functionality cookies – These are used to recognize you when you return to a website. They enable the personalization of content and the recognition of you and your preferences (for example, your choice of language or region). Targeting cookies – These cookies record your visit to a website, the individual pages visited, and the links followed. Our advertising partners use this information to make our website and the advertising displayed on it more relevant to your interests. OUR USAGE OF COOKIES Cookies can be used to remember your preferences and other customization functions. Cookies also enable us to provide you a personalized experience, which is in line with your settings. HOW YOU CAN MANAGE COOKIES By using our Site, you agree with receiving all cookies. You can manage your cookie preference through your browser settings. You can accept or decline cookies or set your browser to prompt you before accepting a cookie from the websites you visit. You can delete cookies that have been installed in the cookie folder of your browser. HOW LONG WILL COOKIES STAY ON YOUR DEVICE We use session cookies and persistent cookies. Session cookies expire at the end of a browser session and persistent cookies are stored on a user’s device in between browser sessions, which allows the preferences or actions of the user across a website (or in some cases across different websites) to be remembered. Persistent cookies stay on your computer or mobile device until they expire or are deleted. CHANGES TO OUR COOKIE POLICY Please check our Site regularly for changes to our Cookie Policy. We will alert you about any changes by updating the “Last updated” date of this Cookie Policy. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Cookie Policy by your continued use of the Site after the date such revised Cookie Policy is posted. If you have any questions or concerns about our Cookie Policy, please contact us through email: hello@gemaiconsulting.com © 2024 GemAI Consulting ​

Human Resources & Benefits Back to all industries Performance Highlights Outsourcing has steadily increased, particularly as business growth hastens following the pandemic. More outsourcing has raised demand for the services human resources and benefits administrators offer, causing revenue to expand. Rising corporate profit will enable greater spending from small businesses, boosting revenue. However, heightened competition from substitutes such as in-house services will limit growth. Geographic Distribution Providers are located near high-growth regions. New York and California are particularly attractive, as these states are home to high-growth financial and technology industries. Densely populated cities attract administrators. The Southeast has the largest population in the United States, making it a prime region for the industry. Industry Outlook Revenue is expected to grow at a CAGR of 1.9% from 2023 to 2028, reaching $103.1 billion. The industry will benefit from a rejuvenated economy, spurring corporate profit, employment growth, and a rise in the number of businesses. Downstream customers will also continue outsourcing tasks unrelated to their core business to better compete in their respective markets. Competitive Forces The industry is characterized by low concentration and high competition. Barriers to entry are generally low, leading to a highly fragmented market. Price competition is high, with establishments needing to differentiate themselves through unique services and niche markets. Major Companies Notable players include Automatic Data Processing, Inc. (ADP) with a 5.5% market share, Paychex, Inc. with a 1.3% market share, and Benefitfocus, Inc. with a 0.2% market share. These companies have varying degrees of market share and profit margins, with ADP leading in market share and profit margins. Revenue $93.8 billion Employees 1 million Businesses 440,000 Wages $52.5 billion Economic and External Factors Businesses must have good knowledge of labor and tax laws to ensure that they sell a good product. Administrators also had to adapt to changing regulations resulting from COVID-19. The industry receives an extremely low level of support from the government. Instead, private associations support administrators with networking and growth opportunities.

Healthcare & Social Assistance Back to all industries Performance Highlights COVID-19 created unprecedented challenges for healthcare and social assistance providers, with staffing shortages and rising costs continuing to impact the sector. The healthcare needs of an aging population will require expanded and complex medical and social services. Geographic Distribution California, Texas, Florida, and New York have the highest concentrations of healthcare and social assistance providers due to large populations and high healthcare spending. The Southeast region, with its large population and high percentage of residents over 65, requires significant healthcare services. Industry Outlook Revenue is expected to grow at a CAGR of 2.7% from 2024 to 2029, reaching $4.1 trillion. Increased healthcare consumption driven by demographic trends and rising healthcare spending will continue to fuel sector growth. Competitive Forces The industry is characterized by low concentration and moderate competition. Barriers to entry are high due to significant legal requirements and start-up costs. Successful businesses must navigate complex regulations, secure a multiskilled workforce, and maintain strong reputations. Major Companies Notable players include HCA Healthcare, Inc. (1.5% market share), Quest Diagnostics Inc. (0.3% market share), Feeding America (0.1% market share), Brookdale Senior Living Inc. (0.1% market share), and Fresenius Kabi AG (0.0% market share). Revenue $3.6 trillion Employees 24 million Businesses 3 million Wages $1.4 trillion Economic and External Factors The industry operates in a highly regulated environment, with numerous federal, state, and local laws enforced by multiple agencies. Healthcare providers received over $200 billion in pandemic-related financial assistance, but the end of this relief has led to financial strain for many facilities.

Educational Services Back to all industries Performance Highlights The industry dodged heavy losses through the pandemic, with primary and secondary schools playing an essential role in the US. Discretionary educators, such as sports coaches and language instructors, struggled to attract students amid economic uncertainty and inflation. A shrinking youth population is posing a long-term threat to the sector. Geographic Distribution The Southwest and West regions have the most educational institutions, driven by high population densities. California, being the most populous state, has the highest number of establishments in the nation. Industry Outlook Revenue is expected to grow at a CAGR of 0.9% from 2024 to 2029, reaching $2 trillion. Growing disposable income and rising employment will push revenue upward. Competitive Forces The industry is characterized by low concentration and moderate competition. Barriers to entry are high, with significant legal requirements and start-up costs. Successful businesses develop strong reputations and maintain effective cost controls. Major Companies Notable players include the New York City Department of Education (1.6% market share), University of California (1.4% market share), California Community Colleges (0.2% market share). Revenue $1.9 trillion Employees 14 million Businesses 1 million Wages $1.1 trillion Economic and External Factors The federal government allocated $100 billion for education through the Recovery Act. Institutions in the sector endure a heavy level of regulation and are subject to several major legislations.

Wholesale Trade Back to all industries Performance Highlights The sector has experienced revenue growth at a CAGR of 1.6% from 2018 to 2023, reaching $11.3 trillion. Profit margins in the sector have increased slightly by 0.2 percentage points to 4.5%. Key external drivers influencing the sector include GDP growth, total trade value, consumer confidence index, and business sentiment index. Geographic Distribution The highest concentrations of businesses are in California, Texas, Florida, and New York, driven by large populations and economic activity. The Southeast, West, and Great Lakes regions have large manufacturing hubs and provide access to consumer bases. Industry Outlook Revenue is expected to grow at a CAGR of 2.2% from 2024 to 2028, reaching $12.6 trillion. The sector will continue to reflect broader economic patterns, with nondurable goods comprising the majority of revenue. High inflation and elevated commodity prices will persist, affecting the sector's dynamics. Competitive Forces The industry is characterized by low concentration and moderate competition. Barriers to entry are low, but companies must navigate significant start-up costs and maintain strong relationships with suppliers and customers. Major Companies Notable players include McKesson Corporation (2.2% market share), AmerisourceBergen Corp (2.2% market share), Cardinal Health, Inc. (1.4% market share), Sysco Corporation (0.4% market share), Ford Motor Co. (0.2% market share), and General Motors Company (0.2% market share). Revenue $11.3 trillion Employees 7 million Businesses 679,000 Wages $615.5 billion Economic and External Factors The sector is not heavily regulated, but policies affecting key upstream markets indirectly impact wholesalers. The sector does not receive direct government assistance, but benefits from regulations that affect manufacturers.