Page 11 - Total Rewards Capabilities 12
P. 11
Measure
Financial reporting | underwriting and Cost vs. Accrual Sample Monthly Medical/Rx Projection
12-Month Renewal Projection
Total Cost vs Expected Accrual
Self Funded Medical - Status Quo
analytics $46,500,000 $48,000,000 $44,000,000 $43,000,000 $42,000,000 $41,500,000 Projected Lives (Nov-19) $833.66 Total Medical $37,729,657
Total
PEPM
3,707
Experience (Dec-18 - Nov-19)
Average Lagged Lives (1 Month)
3,772
$843.71
$38,184,500
Total Claims
ISL Adjustments
-$10.05
-$454,843
Claims Net ISL Adjustments
Total Cost
assumptions take into
Trending Months
Accrual Annual Trend 7.0% 7.0% 14 Note: Trend
account domestic
Effective Trend
Trended Claims $892.01 $40,370,733 chargemaster increases
annually and changes in
Claim Fluctuation Corridor 0.0%
Plan Design Adjustment
Projected Claims $892.01 1.0000 $40,370,733 domestic drug pricing
$1,337,562
$30.07
Extensive and Additional reports Total Medical Summary 97% Lives Jan-18 to Dec-18 Accrual Jan-17 to Dec-17 % Administration Fees $933.22 $42,203,564
102%
101%
$11.13
$495,269
Stop Loss Fees
Estimated Rx Claims Savings
$0.00
$0
Jan-19 to Nov-19
Projected Cost
$901.15
$40,084,594
Current Accrual
Total Cost
% Change in Current Accrual
Var ($)
3.56%
$1,500,000
customizable inancial include Jan-19 to Nov-19 103,819 $46,500,000 $48,000,000 ($1,000,000) 102% 101% 97% 14 Actual Cost $890.12 $39,593,962 4
$43,000,000
Jan-18 to Dec-18
112,140
$44,000,000
111,429
($500,000)
$42,000,000
$41,500,000
Jan-17 to Dec-17
-$490,632
Actual Cost vs. Current Accrual
-1.22%
reporting capabilities • Utilization reports Domestic vs. non-domestic utilization Monthly Financial Reporting Sample
• Cash & Accrual (C&A) reports • Domestic leakage Service type 2019 domestic 2019 non-domestic 2019 total % domestic 45.0% % non-domestic 55.0% Sample Client Medical /Rx (Monthly) (Cumulative)
2019 domestic vs non-domestic
Jan 2019-Dec 2019
Medical and Rx Cash Flow Summary - (By Month Paid)
I.
Claim Payments are Valued as of:
November 30, 2019
Inpatient hospital
$25,076,238
$55,724,973
$30,648,735
Expected Plan
Fixed Costs
— Finance/HR executive • Non-domestic utilization Outpatient hospital $20,576,423 $11,079,612 $31,656,035 65.0% 7.7% 4.3% 35.0% 92.3% 95.7% IIa. January-18 February-18 March-18 April-18 May-18 June-18 July-18 August-18 September-18 Month Paid Enrolled Subscribers 3,762 3,749 3,743 3,730 3,737 3,753 3,726 3,760 3,745 (ASO and Stop Loss $2,408,184 $2,350,989 $2,734,267 $2,430,645 $3,188,961 $2,838,492 $2,625,621 $3,605,400 $2,549,164 Paid Claims Large Claims $37,593 $253 Sample Self Funded Claim Report - Medical Total Plan Costs Claims Expected Plan Costs 2
Total Plan Costs
Total Paid Net
Adjustments
1
= Fixed + Claims
= Fixed +
Claims
Costs 2
Premium)
$2,512,347
$2,798,615
$2,512,347
$2,370,591
$141,756
$2,798,615
$2,787,127
$2,350,736
$5,585,742
$141,228
$2,491,964
$5,004,311
$2,734,267
$2,875,265
$2,786,464
$0
$8,372,206
$7,879,575
$140,998
$30,423,576
$28,075,941
Professional
$2,347,635
$2,784,263
$0
$2,430,645
$2,571,296
$11,156,468
$140,651
$10,450,871
$141,010
$13,948,781
$3,329,971
$2,792,313
$0
$3,188,961
$13,780,842
$16,751,884
$2,818,647
$19,845
$16,741,064
$2,803,103
$141,575
$2,960,222
$500,576
Pharmacy
$11,254,751
$11,755,327
$738
$140,651
$2,785,631
$19,506,597
$19,537,515
Plan Year Ending 12/31/19
$2,624,883
$2,765,534
$3,525,080
$23,031,678
$22,348,079
$2,810,564
$222,319
$3,383,081
$141,999
$141,493
$39,661
$25,151,607
$2,803,528
$2,509,503
$25,682,674
$2,650,996
$10,576
$1,574,021
October-18
dashboards Other Total all services $48,511,448 $82,633,060 $131,144,508 37.0% 0.7% 63.0% 99.3% IIb. Cumulative (1/1/2018-18) 3,714 3,695 3,742 44,856 3,806 3,834 3,828 $140,420 $139,583 $141,357 $1,692,721 $140,822 $141,856 $141,738 $3,398,331 $2,314,924 $3,188,907 $33,633,884 $2,970,669 $2,596,009 $2,723,194 $491,274 $40,127 $90,583 $942,392 Month/Year $0 Feb-19 $0 Mar-19 $0 Apr-19 Jan-19 $32,691,492 $2,907,057 $2,274,797 Total Sub- $3,098,325 $2,970,669 $2,596,009 $2,723,194 scribers 3,806 3,834 3,828 3,805 3,834 Members Total 5,747
$1,584,597
$2,761,428
$2,781,392 Total Fixed
$30,694,426
November-18
Loss Premium
Claims
($450k)
$2,795,963
December-18
$33,490,389
$33,490,389
$0
$3,205,023 $141,856
$0
January-19
$3,205,023
$3,228,417 $141,738
$0
$6,433,440
February-19
analytics April-19 May-19 June-19 July-19 August-19 September-19 October-19 November-19 3,805 3,834 3,826 3,753 3,748 3,696 3,690 3,707 $140,848 $141,863 $141,598 $138,911 $138,830 $136,895 $136,718 $137,415 $2,773,443 $3,604,519 $2,579,242 $2,954,615 $3,363,539 $2,730,685 $3,139,786 $3,297,017 $2,741 Jul-19 $440 Aug-19 $40,121 Sep-19 ($3,074) v - 19 $219,239 $0 May-19 $0 Jun-19 $0 Oct-19 No Dec-19 $2,773,443 $3,604,519 $2,576,501 $2,954,176 $3,323,418 $2,730,685 $3,142,859 $3,077,777 3,826 3,753 3,748 3,696 3,
$3,231,924 $140,848
$9,665,364
March-19
$0
$0
$3,231,374 $141,598
$3,225,183 $138,911
$3,161,773 $138,830
$3,164,750 $136,895
$3,120,375 $136,718
$3,118,977 $137,415
• Budget vs. claim reports III. Cumulative (1/1/2019-19) 41,528 $1,537,496 $93,126,066 $32,732,717 IV. Actual Plan Cost $259,468 Average/Month (Paid Basis) $32,473,249 $34,010,745 41,528 3,775 41,563 62,914 62,951 5,719 $1,174,401 $34,010,745 $106,764 $28.30 V. $363,095 $33,009 $8.72 Ind Stop Loss (ISL) Deductible Per Claimant $24,958,976 $2,268,998 $600.55 -- $7,773,741 $35,037,333 $706,704 $187.07 $500,000 $259,468 $23,588 $6.20 $32,473,249 $2,952,114 $781.29 $23,342,213 $2,122,019 $562.12 $10,668,531 $969,866 $256.
$3,138,444
December-19
YTD Totals
$1,537,496
$35,037,333 $139,772
Average/PEPM
$37.05
Lagged Lives
Current Policy Year To Date
PEPM Comparison
Current Policy Year Stop Loss Summary
• Demographic analysis Rolling Twelve Expected Plan Costs $94,583,239 98% Expected Plan Costs $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 Cautiously Optimistic $35,037,333 97% Large Claims Adjustments $259,468 Employee Contributions Sample Net Plan 2019 YTD Actual 96.4% $825 $856 $780 $750
$4,000,000
Rolling 12 Months Actual vs Expected (Dec-18 to Nov-19)
(based on lagged enrollment)
$3,500,000
Rolling Twelve Actual Plan Costs
Percent of Expected
Percent of Expected
2019 YTD Budget
Actual vs. Budget
Cost
2018 Actual
Total Accrual
2018 Budget
• Monthly IBNR analysis Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx 2 $500,000 $0 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Actual vs. Budget 104.0% 12.6% 6.5% 5
2019 vs. 2018 Actual
2019 vs. 2018 Budget
• Enrollment reports
• Certiied IBNR reports
• Network discounts (domestic Joint venture (JV) partner — sample health system utilization Self Insured Claim Report Sample
Medical/Rx
• Large claim reports and non-domestic) Jan 2019 — December 2019 Month/Year Total Total Admin Fee Specific Stop- Total Fixed Gross Medical Gross Rx Claims Reimbursable Net Paid Claims Total Net
JV Partners
Stop-Loss
Claims
Loss
Tax ID
Claims
Provider
$226,671
2,405
5,471
$3,299,858
30-0000001 JV Partner 1 $1,576,428 Jan-19 Subscribers Members $93,362 Premium $320,033 $2,254,931 $724,894 Claims ($175k) $2,979,824 Plan Cost
$0
$2,004,489
$2,688,058
• Year over year (YOY) or rolling • Network disruption 30- 0000002 JV Partner 3 $2,574,313 Mar-19 2,393 2,392 2,391 2,384 2,396 5,424 5,445 5,419 5,406 5,456 $92,896 $225,540 $318,437 $2,146,731 $777,111 $386,407 $2,923,154 $3,241,591
$92,547
2,384
Feb-19
5,423
$3,005,297
$20,317
$703,886
$317,239
$224,692
JV Partner 2
$688
$92,857
$2,478,921
$2,948,190
$318,303
Apr-19
$855,677
$3,266,494
$225,446
$318,170
$3,252,934
$2,257,775
$92,819
May-19
$225,352
$2,934,763
30-0000003
$221,631
$898,619
$576,279
$2,741,870
$92,547
Jun-19
$2,216,474
$667,899
$876,056
$2,424,631
$224,692
$317,239
$489,527
30-0000004
JV Partner 4
$225,823
$2,903,452
$2,584,616
$388,500
$93,013
$882,345
Jul-19
$318,836
$2,090,771
12 months 30-0000005 JV Partner 5 $5,545,052 Aug-19 2,382 2,393 2,430 2,422 2,419 5,421 5,442 5,492 5,468 5,460 $92,469 $224,504 $316,973 $2,544,848 $884,324 $469,760 $2,959,412 $3,276,385
$328,505
$3,118,959
$381,438
$3,437,396
$225,540
$318,437
$870,380
$2,630,017
Sep-19
$92,896
$323,360
$94,333
$447,031
$1,988,416
$2,804,168
$229,028
$2,480,808
$939,423
Oct-19
Total
$821,998
$322,296
$2,544,691
Nov-19
$228,274
$2,866,986
$94,022
$1,807,660
$84,968
$227,991
$3,195,739
$904,933
$641,403
$2,610,313
$93,906
$2,873,843
$321,896
• Plan design modeling Average/Month 28,791 65,327 $1,117,667 $2,713,552 $3,831,218 $27,031,348 $10,139,645 $3,710,042 $33,460,951 $37,292,169
Dec-19
YTD Totals
2,399
$2,788,413
$309,170
5,444
$93,139
$319,268.20
$2,252,612
$226,129
$3,107,681
$844,970
Average/PEPM
• Detailed expense (admin., stop- • Contribution analysis PEPM Comparison 28,668 65,051 $38.82 $94.25 $133.07 $942.91 $353.69 $129.41 $1,167.19 $1,300.26
Lagged Lives
$1,300.26
YTD Total PEPM (based on lagged enrollment)
$1,249.35
2018 Total PEPM
loss, medical, pharmacy, dental, Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx 3 2019 vs. 2018 Change $1,392.08 6
4.1%
2019 Budget PEPM
2019 Actual vs. Budget
-6.6%
vision) • Clinical reports (Infolock)
Claims Trending
Self Funded Medical
• Global or plan-level reporting • Expense allocation analysis PEPM Claims by Policy Period Quarter PEPM Claims 12-Month Average
$800 $900 $680 $710 $730 $780 $730 $790 $790
$700 $650
$600 $500
• Gross and net of employee $400 $300
$100 $200 $0 $65
contributions PEPM COST VS ACCRUAL 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
Cost Accrual
$1,000
$900
$800
$700
$600
$500
$400
$300
$200
$100
$0
LOCKTON COMPANIES | 1
8
Overview — Lockton Total Rewards Practice 11 Lockton Companies
Financial reporting | underwriting and Cost vs. Accrual Sample Monthly Medical/Rx Projection
12-Month Renewal Projection
Total Cost vs Expected Accrual
Self Funded Medical - Status Quo
analytics $46,500,000 $48,000,000 $44,000,000 $43,000,000 $42,000,000 $41,500,000 Projected Lives (Nov-19) $833.66 Total Medical $37,729,657
Total
PEPM
3,707
Experience (Dec-18 - Nov-19)
Average Lagged Lives (1 Month)
3,772
$843.71
$38,184,500
Total Claims
ISL Adjustments
-$10.05
-$454,843
Claims Net ISL Adjustments
Total Cost
assumptions take into
Trending Months
Accrual Annual Trend 7.0% 7.0% 14 Note: Trend
account domestic
Effective Trend
Trended Claims $892.01 $40,370,733 chargemaster increases
annually and changes in
Claim Fluctuation Corridor 0.0%
Plan Design Adjustment
Projected Claims $892.01 1.0000 $40,370,733 domestic drug pricing
$1,337,562
$30.07
Extensive and Additional reports Total Medical Summary 97% Lives Jan-18 to Dec-18 Accrual Jan-17 to Dec-17 % Administration Fees $933.22 $42,203,564
102%
101%
$11.13
$495,269
Stop Loss Fees
Estimated Rx Claims Savings
$0.00
$0
Jan-19 to Nov-19
Projected Cost
$901.15
$40,084,594
Current Accrual
Total Cost
% Change in Current Accrual
Var ($)
3.56%
$1,500,000
customizable inancial include Jan-19 to Nov-19 103,819 $46,500,000 $48,000,000 ($1,000,000) 102% 101% 97% 14 Actual Cost $890.12 $39,593,962 4
$43,000,000
Jan-18 to Dec-18
112,140
$44,000,000
111,429
($500,000)
$42,000,000
$41,500,000
Jan-17 to Dec-17
-$490,632
Actual Cost vs. Current Accrual
-1.22%
reporting capabilities • Utilization reports Domestic vs. non-domestic utilization Monthly Financial Reporting Sample
• Cash & Accrual (C&A) reports • Domestic leakage Service type 2019 domestic 2019 non-domestic 2019 total % domestic 45.0% % non-domestic 55.0% Sample Client Medical /Rx (Monthly) (Cumulative)
2019 domestic vs non-domestic
Jan 2019-Dec 2019
Medical and Rx Cash Flow Summary - (By Month Paid)
I.
Claim Payments are Valued as of:
November 30, 2019
Inpatient hospital
$25,076,238
$55,724,973
$30,648,735
Expected Plan
Fixed Costs
— Finance/HR executive • Non-domestic utilization Outpatient hospital $20,576,423 $11,079,612 $31,656,035 65.0% 7.7% 4.3% 35.0% 92.3% 95.7% IIa. January-18 February-18 March-18 April-18 May-18 June-18 July-18 August-18 September-18 Month Paid Enrolled Subscribers 3,762 3,749 3,743 3,730 3,737 3,753 3,726 3,760 3,745 (ASO and Stop Loss $2,408,184 $2,350,989 $2,734,267 $2,430,645 $3,188,961 $2,838,492 $2,625,621 $3,605,400 $2,549,164 Paid Claims Large Claims $37,593 $253 Sample Self Funded Claim Report - Medical Total Plan Costs Claims Expected Plan Costs 2
Total Plan Costs
Total Paid Net
Adjustments
1
= Fixed + Claims
= Fixed +
Claims
Costs 2
Premium)
$2,512,347
$2,798,615
$2,512,347
$2,370,591
$141,756
$2,798,615
$2,787,127
$2,350,736
$5,585,742
$141,228
$2,491,964
$5,004,311
$2,734,267
$2,875,265
$2,786,464
$0
$8,372,206
$7,879,575
$140,998
$30,423,576
$28,075,941
Professional
$2,347,635
$2,784,263
$0
$2,430,645
$2,571,296
$11,156,468
$140,651
$10,450,871
$141,010
$13,948,781
$3,329,971
$2,792,313
$0
$3,188,961
$13,780,842
$16,751,884
$2,818,647
$19,845
$16,741,064
$2,803,103
$141,575
$2,960,222
$500,576
Pharmacy
$11,254,751
$11,755,327
$738
$140,651
$2,785,631
$19,506,597
$19,537,515
Plan Year Ending 12/31/19
$2,624,883
$2,765,534
$3,525,080
$23,031,678
$22,348,079
$2,810,564
$222,319
$3,383,081
$141,999
$141,493
$39,661
$25,151,607
$2,803,528
$2,509,503
$25,682,674
$2,650,996
$10,576
$1,574,021
October-18
dashboards Other Total all services $48,511,448 $82,633,060 $131,144,508 37.0% 0.7% 63.0% 99.3% IIb. Cumulative (1/1/2018-18) 3,714 3,695 3,742 44,856 3,806 3,834 3,828 $140,420 $139,583 $141,357 $1,692,721 $140,822 $141,856 $141,738 $3,398,331 $2,314,924 $3,188,907 $33,633,884 $2,970,669 $2,596,009 $2,723,194 $491,274 $40,127 $90,583 $942,392 Month/Year $0 Feb-19 $0 Mar-19 $0 Apr-19 Jan-19 $32,691,492 $2,907,057 $2,274,797 Total Sub- $3,098,325 $2,970,669 $2,596,009 $2,723,194 scribers 3,806 3,834 3,828 3,805 3,834 Members Total 5,747
$1,584,597
$2,761,428
$2,781,392 Total Fixed
$30,694,426
November-18
Loss Premium
Claims
($450k)
$2,795,963
December-18
$33,490,389
$33,490,389
$0
$3,205,023 $141,856
$0
January-19
$3,205,023
$3,228,417 $141,738
$0
$6,433,440
February-19
analytics April-19 May-19 June-19 July-19 August-19 September-19 October-19 November-19 3,805 3,834 3,826 3,753 3,748 3,696 3,690 3,707 $140,848 $141,863 $141,598 $138,911 $138,830 $136,895 $136,718 $137,415 $2,773,443 $3,604,519 $2,579,242 $2,954,615 $3,363,539 $2,730,685 $3,139,786 $3,297,017 $2,741 Jul-19 $440 Aug-19 $40,121 Sep-19 ($3,074) v - 19 $219,239 $0 May-19 $0 Jun-19 $0 Oct-19 No Dec-19 $2,773,443 $3,604,519 $2,576,501 $2,954,176 $3,323,418 $2,730,685 $3,142,859 $3,077,777 3,826 3,753 3,748 3,696 3,
$3,231,924 $140,848
$9,665,364
March-19
$0
$0
$3,231,374 $141,598
$3,225,183 $138,911
$3,161,773 $138,830
$3,164,750 $136,895
$3,120,375 $136,718
$3,118,977 $137,415
• Budget vs. claim reports III. Cumulative (1/1/2019-19) 41,528 $1,537,496 $93,126,066 $32,732,717 IV. Actual Plan Cost $259,468 Average/Month (Paid Basis) $32,473,249 $34,010,745 41,528 3,775 41,563 62,914 62,951 5,719 $1,174,401 $34,010,745 $106,764 $28.30 V. $363,095 $33,009 $8.72 Ind Stop Loss (ISL) Deductible Per Claimant $24,958,976 $2,268,998 $600.55 -- $7,773,741 $35,037,333 $706,704 $187.07 $500,000 $259,468 $23,588 $6.20 $32,473,249 $2,952,114 $781.29 $23,342,213 $2,122,019 $562.12 $10,668,531 $969,866 $256.
$3,138,444
December-19
YTD Totals
$1,537,496
$35,037,333 $139,772
Average/PEPM
$37.05
Lagged Lives
Current Policy Year To Date
PEPM Comparison
Current Policy Year Stop Loss Summary
• Demographic analysis Rolling Twelve Expected Plan Costs $94,583,239 98% Expected Plan Costs $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 Cautiously Optimistic $35,037,333 97% Large Claims Adjustments $259,468 Employee Contributions Sample Net Plan 2019 YTD Actual 96.4% $825 $856 $780 $750
$4,000,000
Rolling 12 Months Actual vs Expected (Dec-18 to Nov-19)
(based on lagged enrollment)
$3,500,000
Rolling Twelve Actual Plan Costs
Percent of Expected
Percent of Expected
2019 YTD Budget
Actual vs. Budget
Cost
2018 Actual
Total Accrual
2018 Budget
• Monthly IBNR analysis Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx 2 $500,000 $0 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Actual vs. Budget 104.0% 12.6% 6.5% 5
2019 vs. 2018 Actual
2019 vs. 2018 Budget
• Enrollment reports
• Certiied IBNR reports
• Network discounts (domestic Joint venture (JV) partner — sample health system utilization Self Insured Claim Report Sample
Medical/Rx
• Large claim reports and non-domestic) Jan 2019 — December 2019 Month/Year Total Total Admin Fee Specific Stop- Total Fixed Gross Medical Gross Rx Claims Reimbursable Net Paid Claims Total Net
JV Partners
Stop-Loss
Claims
Loss
Tax ID
Claims
Provider
$226,671
2,405
5,471
$3,299,858
30-0000001 JV Partner 1 $1,576,428 Jan-19 Subscribers Members $93,362 Premium $320,033 $2,254,931 $724,894 Claims ($175k) $2,979,824 Plan Cost
$0
$2,004,489
$2,688,058
• Year over year (YOY) or rolling • Network disruption 30- 0000002 JV Partner 3 $2,574,313 Mar-19 2,393 2,392 2,391 2,384 2,396 5,424 5,445 5,419 5,406 5,456 $92,896 $225,540 $318,437 $2,146,731 $777,111 $386,407 $2,923,154 $3,241,591
$92,547
2,384
Feb-19
5,423
$3,005,297
$20,317
$703,886
$317,239
$224,692
JV Partner 2
$688
$92,857
$2,478,921
$2,948,190
$318,303
Apr-19
$855,677
$3,266,494
$225,446
$318,170
$3,252,934
$2,257,775
$92,819
May-19
$225,352
$2,934,763
30-0000003
$221,631
$898,619
$576,279
$2,741,870
$92,547
Jun-19
$2,216,474
$667,899
$876,056
$2,424,631
$224,692
$317,239
$489,527
30-0000004
JV Partner 4
$225,823
$2,903,452
$2,584,616
$388,500
$93,013
$882,345
Jul-19
$318,836
$2,090,771
12 months 30-0000005 JV Partner 5 $5,545,052 Aug-19 2,382 2,393 2,430 2,422 2,419 5,421 5,442 5,492 5,468 5,460 $92,469 $224,504 $316,973 $2,544,848 $884,324 $469,760 $2,959,412 $3,276,385
$328,505
$3,118,959
$381,438
$3,437,396
$225,540
$318,437
$870,380
$2,630,017
Sep-19
$92,896
$323,360
$94,333
$447,031
$1,988,416
$2,804,168
$229,028
$2,480,808
$939,423
Oct-19
Total
$821,998
$322,296
$2,544,691
Nov-19
$228,274
$2,866,986
$94,022
$1,807,660
$84,968
$227,991
$3,195,739
$904,933
$641,403
$2,610,313
$93,906
$2,873,843
$321,896
• Plan design modeling Average/Month 28,791 65,327 $1,117,667 $2,713,552 $3,831,218 $27,031,348 $10,139,645 $3,710,042 $33,460,951 $37,292,169
Dec-19
YTD Totals
2,399
$2,788,413
$309,170
5,444
$93,139
$319,268.20
$2,252,612
$226,129
$3,107,681
$844,970
Average/PEPM
• Detailed expense (admin., stop- • Contribution analysis PEPM Comparison 28,668 65,051 $38.82 $94.25 $133.07 $942.91 $353.69 $129.41 $1,167.19 $1,300.26
Lagged Lives
$1,300.26
YTD Total PEPM (based on lagged enrollment)
$1,249.35
2018 Total PEPM
loss, medical, pharmacy, dental, Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx 3 2019 vs. 2018 Change $1,392.08 6
4.1%
2019 Budget PEPM
2019 Actual vs. Budget
-6.6%
vision) • Clinical reports (Infolock)
Claims Trending
Self Funded Medical
• Global or plan-level reporting • Expense allocation analysis PEPM Claims by Policy Period Quarter PEPM Claims 12-Month Average
$800 $900 $680 $710 $730 $780 $730 $790 $790
$700 $650
$600 $500
• Gross and net of employee $400 $300
$100 $200 $0 $65
contributions PEPM COST VS ACCRUAL 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
Cost Accrual
$1,000
$900
$800
$700
$600
$500
$400
$300
$200
$100
$0
LOCKTON COMPANIES | 1
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Overview — Lockton Total Rewards Practice 11 Lockton Companies
