Pros

Easy place to slide by for those who are content with below avg individual performance. deSilva and Kemper are making improvements in the long-time chomatose system, but still have a long way to go.

Cons

Outstanding performers are not fairly recognized. They are very cheap and very old school. Lots of politics and plenty of perks for the good old boy network within.

Advice to Senior Management

Look at your Sr. Commercial Officers. Very poor leaders and have been the beneficiaries of being compacent in the Kemper system. deSilva and Kemper should drop some of the dead weight directly beneath them if they want more upward movement.