Document:

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                                                                    EXHIBIT 10.4

                         DEFERRED COMPENSATION AGREEMENT

         THIS DEFERRED COMPENSATION AGREEMENT ("Agreement") is entered into and
effective as of the 30th day of June, 2000, by and between (i) HEALTHCARE
RECOVERIES, INC., a Delaware corporation ("Corporation"), and (ii) PATRICK B.
MCGINNIS ("Employee").

         RECITALS:

         A.       Employee is the Chairman of the Board and Chief Executive
Officer of the Corporation.

         B.       The Corporation has made an $886,519.50 loan to Employee as
evidenced by Employee's Amended and Restated Promissory Note in that amount of
even date herewith ("Loan").

         C.       Employee is a participant in the Corporation's Management
Group Incentive Compensation Plan ("Plan").

         D.       The Corporation and Employee desire to enter into this
Agreement for the purpose of setting forth the terms and conditions under which
amounts otherwise due Employee under the Plan will be deferred.

         AGREEMENT:

         NOW, THEREFORE, the parties hereby agree as follows:

         1.       DEFERRED COMPENSATION. Employee and the Corporation hereby
agree that notwithstanding the provisions of the Plan, 50% of all of the amounts
otherwise payable to Employee under the Plan shall not be paid by the
Corporation when otherwise required to be paid in accordance with the terms of
the Plan, but instead shall be deferred and paid as provided in this Agreement.

         2.       INTEREST ON DEFERRED COMPENSATION. The balance in the Deferred
Compensation Account (as hereinafter defined) from time to time shall bear
interest at the rate of 6.62% per annum, compounded annually.

         3.       DEFERRED COMPENSATION ACCOUNT. The Corporation shall establish
on its books a deferred compensation account for Employee's benefit ("Deferred
Compensation Account"). The Deferred Compensation Account shall be credited with
(i) all amounts credited thereto in accordance with Section 1, and (ii) the
interest earned in accordance with Section 2, and shall be debited with all
payments made by the Corporation to Employee pursuant to the terms of this
Agreement.

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         4.       PAYMENT OF DEFERRED COMPENSATION. Subject to the provisions of
Section 9, the amount in Employee's Deferred Compensation Account shall be paid
to Employee within 30 days following the full payment by Employee of all amounts
due under the Loan unless at least six months prior to the full repayment of the
Loan Employee has designated, in such manner as the Corporation shall require,
the manner in which Employee desires the amount in the Deferred Compensation
Account to be paid; provided, however, that in no event may payments be required
more often than quarterly, nor over a period in excess of ten years. The last
designation filed by Employee with the Corporation which was filed more than six
months prior to the full repayment of the Loan shall govern.

         5.       DESIGNATION OF BENEFICIARY. Employee shall be entitled to
designate a beneficiary or beneficiaries to receive the payments of the amount
in the Deferred Compensation Account in the case of his death. Such designation
may include a designation of a contingent beneficiary or beneficiaries. Employee
may, from time to time, change such designation of beneficiary or beneficiaries
as he shall desire. Notice of the designation shall be given by Employee to the
Corporation in such manner as the Corporation shall require.

         6.       NO ASSIGNMENT OR ANTICIPATION. Neither Employee nor any
beneficiary shall have any right to commute, sell, assign, transfer or otherwise
convey the right to receive any payments due under this Agreement, which
payments and all rights thereto are expressly declared to be non-assignable and
non-transferable. In the event that there is any attempted assignment or
transfer by Employee or a beneficiary of their rights to receive any payments
under this Agreement, the Corporation shall have no further obligation or
liability hereunder. The benefits payable under this Agreement shall not, in any
manner, be subject to garnishment, attachment, execution, levy, debts,
contracts, liabilities, assignments or torts of Employee or any beneficiary.

         7.       NOT FUNDED LIABILITY. All amounts payable hereunder shall
constitute a general claim against the Corporation and will not be a lien or
claim on any specific assets of the Corporation. The Deferred Compensation
Account is solely an accounting mechanism and shall not represent any segregated
assets of the Corporation.

         8.       TAX CONSEQUENCES. It is the intention of the parties that the
amount in the Deferred Compensation Account not constitute taxable income to
Employee or any designated beneficiary until such time as the Corporation has
made actual payment of such amount, and this Agreement shall be so construed.
Employee acknowledges that all payments made to him hereunder will be treated as
compensation and the Corporation will be required to withhold appropriate
amounts of tax therefrom as required by law. Employee further acknowledges that
amounts otherwise payable pursuant to the Plan which are instead credited to the
Deferred Compensation Account will, under current law, be treated as wages for
purposes of the social security and Medicare taxes. Employee hereby agrees to
timely provide the Corporation with sufficient funds to enable it to meet its
withholding obligation with respect to such taxes.

         9.       RIGHT OF SET-OFF. In the event that Employee is in default
with respect to the Loan, or ceases to be an employee of the Company for any
reason (including death), the Corporation may, in its sole discretion, apply
amounts in the Deferred Compensation Account against amounts to which the
Corporation is then entitled under the Loan (including any amounts becoming due
as a

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result of the acceleration of the Loan). If the Corporation exercises the right
of set-off provided for in this Section 9, such amounts shall be deemed to have
been paid to Employee for all purposes of this Agreement.

         10.      BINDING AGREEMENT. This Agreement shall be binding upon, and
inure to the benefit of, the parties hereto and their respective executors,
administrators, heirs, successors and assigns.

         11.      GOVERNING LAW. This Agreement shall be governed by, and
construed in accordance with, the laws of the Commonwealth of Kentucky without
regard to its conflict of laws rules.

         IN WITNESS WHEREOF, the parties have entered into this Agreement as of
the date first written above.

                                             HEALTHCARE RECOVERIES, INC.

                                             By:  /s/
                                                 -----------------------------
                                             Title:
                                                 -----------------------------
                                                        ("Corporation")

                                               /s/ Patrick B. McGinnis
                                             ---------------------------------
                                             PATRICK B. MCGINNIS
                                                        ("Employee")

                                       3<PAGE>   1
                                                                    EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT (the "Agreement"), made this first day of
April, 1997, is entered into by DBT ONLINE, INC., a Pennsylvania corporation
with its principal place of business at 5550 W. Flamingo Road, Suite B-5, Las
Vegas, Nevada 89103 (the "Company") and Colonel Frank Borman, residing at 6605
Butterfield Ridge Road, Las Cruces, New Mexico 88005 (the "Employee").

         The Company desires to employ the Employee, and the Employee desires
to be employed by the Company. In consideration of the mutual covenants and
promises contained herein, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged by the parties hereto,
the parties agree as follows:

         1.       Term of Employment.  The Company hereby agrees to employ the
Employee, and the Employee hereby accepts employment with the Company, upon the
terms set forth in this Agreement, for the period commencing effective April 1,
1997 (the "Commencement Date"), and ending on the third anniversary of the
Commencement Date (such period, as it may be extended as set forth below, the
"Employment Period"). The Employment Period automatically shall be extended by
one year at the expiration of each year within the Employment Period (as
extended) in which neither the Company nor the Employee provides the other
party hereto with written notice that this Agreement shall not be renewed at
the end of the then applicable Employment Period. Accordingly, the Employment
Period hereunder shall be three years from each ensuing anniversary date,
unless the foregoing written notice of non-renewal had theretofore been
transmitted by one party to the other.

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         2. Title: Capacity.  The Employee shall serve as Chairman. The Employee
shall be based in Las Cruces, New Mexico. The Employee shall be subject to the
supervision of, and shall have such authority as is delegated to him by the
Board. The Employee hereby accepts such employment and agrees to undertake the
duties and responsibilities inherent in such position and such other duties and
responsibilities as the Board shall from time to time assign to him. The
Employee agrees to devote his full business time, attention and energies to the
business and interests of the Company during the Employment Period. The Company
deems it to be consistent with this commitment that Employee continue his
involvements with other business activities described in Schedule 1 hereto, none
of which shall interfere with the spending by Employee of a full-time work week
on the affairs of the Company, and such future business activities as may be
approved by the Board of Directors.

         3.       Compensation and Benefits.

                  3.1      Salary.  The Company shall pay the Employee, in
installments, consistent with past practice, an annual salary of $160,000.

                  3.2      Fringe Benefits.  The Employee will be provided with
such fringe benefits and vacation time as have been provided prior to the date
hereof, as specifically described in Schedule 2.

                  3.3      Reimbursement of Expenses.  The Company shall
reimburse the Employee for all reasonable travel, entertainment and other
expenses incurred or paid by the Employee in connection with, or related to, the
performance of his duties, responsibilities or

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services under this Agreement, in a manner consistent with past practice and
upon presentation by the Employee of documentation, expense statements,
vouchers and/or such other supporting information as the Company may request.

         4.       Employment Termination. The employment of the Employee by
the Company pursuant to this Agreement shall terminate upon the occurrence of
any of the following:

                  4.1      Expiration of the Employment Period in accordance
with Section 1;

                  4.2      At the election of the Company, for cause,
immediately upon written notice by the Company to the Employee. For the purposes
of this Section 4.2, cause for termination shall be deemed to exist upon (a)
breach by Employee of his obligations under this Agreement [except by reason of
disability, which is not a ground for termination hereunder], habitual
insobriety or drug dependency or (b) the conviction of the Employee of, or the
entry of a pleading of guilty or nolo contendere by the Employee to, any crime
involving moral turpitude or any felony.

                  4.3      The death of Employee.

         5.       Non-Compete.

                  (a) During the Employment Period and for a three-year period
following the date of termination or expiration of the Employment Period, the
Employee will not directly or indirectly:

                           (i) as an individual proprietor, partner,
                  stockholder, officer, employee, director, joint venturer,
                  investor, lender, or in any other capacity whatsoever (other
                  than as the holder of not more than one percent (1%) of the
                  total
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                  outstanding stock of a publicly held company), engage in the
                  business competitive with that of the Company, existing or
                  contemplated at the time of the expiration or termination
                  hereunder,

                           (ii)  acting as an employee or consultant of any
                  licensee of the Company with respect to matters which are
                  subject of the license,

                           (iii) recruit, solicit or induce, or attempt to
                  induce, any employee or employees of the Company to terminate
                  their employment with, or otherwise cease their relationship
                  with, the Company, or

                           (iv)  solicit, divert or take away, or attempt to
                  divert or to take away, the business or patronage of any of
                  the clients, customers or accounts, or prospective clients,
                  customers or accounts, of the Company which were contacted,
                  solicited or served by the employee while employed by the
                  Company.

                  (b) If any restriction set forth in this Section 6 is found by
any court of competent jurisdiction to be unenforceable because it extends for
too long a period of time or over too great a range of activities or in too
broad a geographic area, it shall be interpreted to extend only over the maximum
period of time, range of activities or geographic area as to which it may be
enforceable.

                  (c) The restrictions contained in the Section 6 are necessary
for the protection of the business and goodwill of the Company and are
considered by the Employee to be reasonable for such purpose. The Employee
agrees that any breach of this Section 5 will cause the Company substantial and
irrevocable damage and therefore, in the event of such breach, in addition to
such other remedies which may be available, the Company shall have the right to
seek specific performance and injunctive relief.
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         6.       Proprietary Information.

                  (a) Employee agrees that all information and know-how, whether
or not in writing, of a private, secret or confidential nature concerning the
Company's business or financial affairs (collectively, "Proprietary
Information") is and shall be the exclusive property of the Company. By way of
illustration, but not limitation, Proprietary Information may include
inventions, products, processes, methods, techniques, formulas, compositions,
compounds, projects, developments, plans, research data, clinical data,
financial data, personnel data, computer programs, and customer lists. Employee
will not disclose any Proprietary Information to others outside the Company or
use the same for any unauthorized purposes without written approval by the
members of the Executive Committee of the Board of Directors of the Company
other than Employee, either during or after his employment, unless and until
such Proprietary Information has become public knowledge without fault by the
Employee.

                  (b) Employee agrees that all files, letters, memoranda,
reports, records, data, sketches, drawings, laboratory notebooks, program
listings, or other written, photographic, or other tangible material containing
Proprietary Information, whether created by the Employee or others, which shall
come into his custody or possession, shall be and are the exclusive property of
the Company to be used by the Employee only in the performance of his duties
for the Company.

                  (c) Employee agrees that his obligation not to disclose or
use information, know-how and records of the types set forth in paragraphs (a)
and (b) above, also extends to such types of information, know-how, records and
tangible property of customers of the Company or suppliers to the Company or
other third parties who may have disclosed or entrusted the same to the Company
or to the Employee in the course of the Company's business.
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         7.       Notices.  All notices required or permitted under this
Agreement shall be in writing and shall be deemed effective upon personal
delivery or upon deposit in the United States Post Office, by registered or
certified mail, postage prepaid, addressed to the other party at the address
shown above, or at such other address or addresses as either party shall
designate to the other in accordance with this Section 7.

         8.       Entire Agreement.  This Agreement constitutes the entire
agreement between the parties and supersedes all prior agreements and
understandings, whether written or oral, relating to the subject matter of this
Agreement.

         9.       Amendment.  This Agreement may be amended or modified only by
a written instrument executed by both the Company and the Employee.

         10.      Governing Law.  This Agreement shall be construed, interpreted
and enforced in accordance with the laws of the State of New Mexico.

         11.      Successors and Assigns.  This Agreement shall be binding upon
and inure to the benefit of both parties and their respective successors and
assigns, including any corporation with which or into which the Company may be
merged or which may succeed to its assets or business, provided, however, that
the obligations of the Employee are personal and shall not be assigned by him.
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         12.      Miscellaneous.

                  12.1     No delay or omission by the Company in exercising any
right under this Agreement shall operate as a waiver of that or any other
right. A waiver or consent given by the Company on any one occasion shall be
effective only in that instance and shall not be construed as a bar or waiver
of any right on any other occasion.

                  12.2     The captions of the sections of this Agreement are
for convenience of reference only and in no way define, limit or affect the
scope or substance of any section of this Agreement.

                  12.3     In case any provision of this Agreement shall be
invalid, illegal or otherwise unenforceable, the validity, legality and
enforceability of the remaining provisions shall in no way be affected or
impaired thereby.

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the day and year set forth above.

                                       DBT ONLINE, INC.

                                       By: /s/ J. HENRY MUETTERTIES
                                           ---------------------------------
                                           J. Henry Muetterties

                                       EMPLOYEE:

                                       By: /s/ FRANK BORMAN
                                           ---------------------------------
                                           Frank Borman

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                                   SCHEDULE 1

Director

         American Superconductor, Inc.

         Borman Automotive Group

         Outboard Marine Corporation

         The Home Depot

         Thermo Instrument Systems (subsidiary of Thermo Electron)

Trustee

         National Geographic Society
<PAGE>   9
                                   SCHEDULE 2

                                Fringe Benefits

Business Membership Reimbursements

          The Business Council
          The Las Cruces Forum

Health Insurance

Dental/Vision Insurance

Life Insurance

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