Page 24 - Lockton Total Rewards Practice
P. 24
Financial reporting
Financial reporting
Financial reporting Monthly Medical/Rx Projection
Extensive and Additional reports Extensive and customizable financial reporting Additional reports include: 12-Month Renewal Projection
˗ Utilization reports
capabilities
Self Funded Medical - Status Quo
˗ Domestic leakage
˗ Cash & Accrual (C&A) Reports — Finance/HR executive
dashboards
customizable inancial include ˗ Domestic Steerage and JV utilization ˗ Non-domestic utilization analytics Projected Lives (Nov-19) $843.71 Total Medical $38,184,500
˗ Demographic analysis
Total
PEPM
3,707
˗ Budget vs. claim reports
˗ Enrollment reports
˗ Network discounts (Domestic and
Experience (Dec-18 - Nov-19)
˗ Certified IBNR reports
3,772
Non-Domestic)
Average Lagged Lives (1 Month)
˗ Large claim reports
Total Claims
-$454,843
-$10.05
reporting capabilities • Utilization reports ˗ Year over Year (YOY) or rolling 12 months ˗ Network disruption Claims Net ISL Adjustments $833.66 7.0% 7.0% 14 $37,729,657 Note: Trend
ISL Adjustments
˗ Plan design modeling
˗ Detailed expense (admin., stop-loss, medical, pharmacy,
Annual Trend
dental, vision)
˗ Contribution analysis
Trending Months
assumptions take into
˗ Clinical reports (InfoLock)
˗ Global or plan level reporting
account domestic
Effective Trend
˗ Gross and net of employee contributions
Trended Claims
annually and changes in
Claim Fluctuation Corridor $892.01 1.0000 0.0% $40,370,733 chargemaster increases
Plan Design Adjustment
domestic drug pricing
• Cash & Accrual (C&A) reports • Domestic leakage Projected Claims $892.01 $40,370,733
Administration Fees
$30.07
$1,337,562
$495,269
$11.13
Stop Loss Fees
Estimated Rx Claims Savings
$0
$0.00
— Finance/HR executive • Non-domestic utilization Projected Cost $933.22 $42,203,564
Current Accrual
$40,084,594
$901.15
3.56%
% Change in Current Accrual
$890.12
Actual Cost
$39,593,962
dashboards Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx 1 Actual Cost vs. Current Accrual -1.22% -$490,632 4
analytics
• Domestic steerage and JV • Demographic analysis
utilization Domestic vs. non-domestic utilization Monthly Financial Reporting Sample
• Enrollment reports 2019 domestic vs non-domestic Sample Client Medical /Rx
Jan 2019-Dec 2019
• Budget vs. claim reports Service type 2019 domestic 2019 non-domestic 2019 total % domestic 45.0% % non-domestic 55.0% IIa. I. Month Paid Claim Payments are Valued as of: (ASO and Stop Loss Paid Claims Large Claims 1 Total Paid Net Total Plan Costs (Monthly) Expected Plan Costs 2 Total Plan Costs Claims (Cumulative) Expected Plan Costs 2
Medical and Rx Cash Flow Summary - (By Month Paid)
November 30, 2019
Inpatient hospital
$55,724,973
$25,076,238
$30,648,735
Fixed Costs
= Fixed +
Enrolled
Claims
Adjustments
Premium)
= Fixed + Claims
Subscribers
• Network discounts (domestic Outpatient hospital $20,576,423 $11,079,612 $31,656,035 65.0% 7.7% 4.3% 35.0% January-18 February-18 March-18 April-18 May-18 June-18 July-18 3,762 3,749 3,743 3,730 3,737 3,753 3,726 $141,756 $141,228 $140,998 $140,651 $141,010 $141,575 $140,651 $2,408,184 $2,350,989 $2,734,267 $2,430,645 $3,188,961 $2,838,492 $2,625,621 $37,593 $253 Sample Self Funded Claim Report - Medical $2,512,347 $5,004,311 $7,879,575 $10,450,871 $13,780,842 $16,741,064 $19,506,597 $2,798,615 $5,585,742 $8,372,206 $11,156,468 $13,948,781 $16,751,884 $19
$2,370,591
$2,512,347
$2,798,615
$2,350,736
$2,787,127
$2,491,964
$2,786,464
$2,734,267
$0
$2,875,265
92.3%
$30,423,576
$2,347,635
Professional
$28,075,941
$2,784,263
$2,571,296
$0
$2,430,645
$2,792,313
$0
$3,188,961
$3,329,971
$2,803,103
• Certiied IBNR reports Other $10,576 $1,574,021 $1,584,597 0.7% 99.3% August-18 September-18 October-18 November-18 December-18 Cumulative (1/1/2018-18) 3,760 3,745 3,714 3,695 3,742 44,856 $141,999 $141,493 $140,420 $139,583 $141,357 $1,692,721 $3,605,400 $2,549,164 $3,398,331 $2,314,924 $3,188,907 $33,633,884 $222,319 $39,661 $491,274 $40,127 $90,583 $942,392 Month/Year Jan-19 $3,383,081 $2,509,503 $2,907,057 Total Sub- $2,274,797 $3,098,325 $32,691,492 scribers 3,806 Members Total 5,747 $3,525,080 $2,650,996 $3,047,477 $2,414,380 Admin Fee $3,
$2,818,647
$19,845
$2,960,222
$738
$11,755,327
$2,785,631
$11,254,751
$500,576
95.7%
$2,624,883
$2,765,534
Pharmacy
Plan Year Ending 12/31/19
Claims
$31,144,531
$2,761,428
($450k)
and non-domestic) Total all services $48,511,448 $82,633,060 $131,144,508 37.0% 63.0% IIb. January-19 February-19 March-19 April-19 May-19 June-19 3,806 3,834 3,828 3,805 3,834 3,826 $140,822 $141,856 $141,738 $140,848 $141,863 $141,598 $2,970,669 $2,596,009 $2,723,194 $2,773,443 $3,604,519 $2,579,242 $2,741 Jul-19 $0 Feb-19 $0 Mar-19 $0 Apr-19 $0 May-19 $0 Jun-19 $2,970,669 $2,596,009 $2,723,194 $2,773,443 $3,604,519 $2,576,501 3,834 3,828 3,805 3,834 3,826 3,753 3,748 5,784 5,790 5,760 5,802 5,796 5,676 5,688 $108,437 $3,111,491 $108,267 $
$34,384,213
$33,490,389
$2,795,963
$0
$33,490,389 $140,822
$33,490,389
$3,228,417 $141,738
$3,231,924 $140,848
$3,211,094 $141,863
$3,231,374 $141,598
$3,225,183 $138,911
$3,164,750 $136,895
• Large claim reports July-19 August-19 September-19 October-19 November-19 December-19 Cumulative (1/1/2019-19) 3,753 3,748 3,696 3,690 3,707 41,528 $138,911 $138,830 $136,895 $136,718 $137,415 $1,537,496 $2,954,615 $3,363,539 $2,730,685 $3,139,786 $3,297,017 $32,732,717 $440 Aug-19 $40,121 Sep-19 ($3,074) v - 19 $219,239 Average/Month No Dec-19 $2,954,176 $3,323,418 $2,730,685 $3,142,859 $3,077,777 $32,473,249 3,696 3,690 3,707 41,528 3,775 0 5,615 5,613 5,643 62,914 5,719 0 $3,093,087 $104,523 $104,342 $3,462,248 $2,8
$3,120,375 $136,718
$0 Oct-19
$3,118,977 $137,415
$0
$3,138,444
YTD Totals
$2,268,998
$35,037,333 $139,772
$3,185,212
• Network disruption III. Rolling Twelve Actual Plan Costs $93,126,066 $94,583,239 98% IV. Actual Plan Cost Current Policy Year To Date $34,010,745 $35,037,333 41,563 97% 62,951 V. Ind Stop Loss (ISL) Deductible Per Claimant $500,000 $259,468 Employee Contributions PEPM Comparison $825 $856 96.4%
$259,468
Average/PEPM
Lagged Lives
$4,000,000
Rolling 12 Months Actual vs Expected (Dec-18 to Nov-19)
Current Policy Year Stop Loss Summary
(Paid Basis)
(based on lagged enrollment)
$3,500,000
Rolling Twelve Expected Plan Costs
Large Claims Adjustments
Expected Plan Costs
2019 YTD Actual
$3,000,000
Percent of Expected
Percent of Expected
2019 YTD Budget
$2,500,000
Cautiously Optimistic
Actual vs. Budget
• Year-over-year (YOY) or rolling • Plan design modeling 2 $2,000,000 $1,500,000 $1,000,000 $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 Sample Net Plan 2018 Actual $780 $750 104.0% 6.5% 12.6% 5
Cost
2018 Budget
Total Accrual
Actual vs. Budget
2019 vs. 2018 Actual
2019 vs. 2018 Budget
12 months Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx
• Contribution analysis
• Detailed expense (admin., stop-
loss, medical, pharmacy, dental, • Clinical reports (Infolock) Joint venture (JV) partner — sample health system utilization Self Insured Claim Report Sample
Medical/Rx
vision) Tax ID Jan 2019 — December 2019 Claims Month/Year Subscribers Members Admin Fee Specific Stop- Total Fixed Gross Medical Gross Rx Claims Reimbursable Net Paid Claims Total Net
JV Partners
Stop-Loss
Total
Total
Loss
Plan Cost
Claims
Claims ($175k)
Provider
Premium
30-0000001 JV Partner 1 $1,576,428 Jan-19 2,405 5,471 $93,362 $226,671 $320,033 $2,254,931 $724,894 $0 $2,979,824 $3,299,858
$20,317
$2,146,731
Mar-19
$225,540
$3,241,591
30- 0000002 JV Partner 2 $2,574,313 Feb-19 2,384 2,393 2,392 5,423 5,424 5,445 $92,547 $224,692 $317,239 $2,004,489 $703,886 $386,407 $688 $2,688,058 $3,005,297
$92,896
$2,923,154
$777,111
$318,437
$2,478,921
$2,948,190
$225,446
$92,857
$3,266,494
Apr-19
$855,677
• Global or plan level reporting 30-0000003 JV Partner 3 $576,279 May-19 2,391 2,384 2,396 5,419 5,406 5,456 $92,819 $225,352 $318,170 $2,257,775 $898,619 $221,631 $2,934,763 $3,252,934
$318,303
$876,056
$667,899
$2,216,474
$317,239
$2,741,870
$92,547
$2,424,631
Jun-19
$224,692
JV Partner 4
30-0000004
$489,527
$2,584,616
$882,345
$225,823
$388,500
$93,013
$318,836
$2,090,771
$2,903,452
Jul-19
30-0000005 JV Partner 5 $328,505 Aug-19 2,382 2,393 2,430 5,421 5,442 5,492 $92,469 $224,504 $316,973 $2,544,848 $884,324 $469,760 $2,959,412 $3,276,385
$92,896
$318,437
$2,630,017
$381,438
$225,540
$870,380
Sep-19
$3,437,396
$3,118,959
$1,988,416
$447,031
$229,028
$2,480,808
$2,804,168
Oct-19
$939,423
$323,360
$94,333
Total $5,545,052 Nov-19 2,422 2,419 5,468 5,460 $94,022 $228,274 $322,296 $1,807,660 $821,998 $641,403 $2,544,691 $2,866,986
$84,968
$3,195,739
$2,873,843
$227,991
$321,896
Dec-19
$93,906
$2,610,313
$904,933
• Gross and net of employee 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
YTD Totals
$309,170
2,399
$3,107,681
$2,788,413
5,444
$319,268.20
$2,252,612
$226,129
$844,970
$93,139
Average/PEPM
Lagged Lives 28,668 65,051 $38.82 $94.25 $133.07 $942.91 $353.69 $129.41 $1,167.19 $1,300.26
contributions PEPM Comparison $1,300.26
YTD Total PEPM (based on lagged enrollment)
2018 Total PEPM
4.1%
2019 vs. 2018 Change $1,249.35
2019 Budget PEPM $1,392.08
3 2019 Actual vs. Budget -6.6% 6
Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx
Advocate Aurora Health — Lockton Beneits Practice overview 24 Lockton Companies
Financial reporting
Financial reporting Monthly Medical/Rx Projection
Extensive and Additional reports Extensive and customizable financial reporting Additional reports include: 12-Month Renewal Projection
˗ Utilization reports
capabilities
Self Funded Medical - Status Quo
˗ Domestic leakage
˗ Cash & Accrual (C&A) Reports — Finance/HR executive
dashboards
customizable inancial include ˗ Domestic Steerage and JV utilization ˗ Non-domestic utilization analytics Projected Lives (Nov-19) $843.71 Total Medical $38,184,500
˗ Demographic analysis
Total
PEPM
3,707
˗ Budget vs. claim reports
˗ Enrollment reports
˗ Network discounts (Domestic and
Experience (Dec-18 - Nov-19)
˗ Certified IBNR reports
3,772
Non-Domestic)
Average Lagged Lives (1 Month)
˗ Large claim reports
Total Claims
-$454,843
-$10.05
reporting capabilities • Utilization reports ˗ Year over Year (YOY) or rolling 12 months ˗ Network disruption Claims Net ISL Adjustments $833.66 7.0% 7.0% 14 $37,729,657 Note: Trend
ISL Adjustments
˗ Plan design modeling
˗ Detailed expense (admin., stop-loss, medical, pharmacy,
Annual Trend
dental, vision)
˗ Contribution analysis
Trending Months
assumptions take into
˗ Clinical reports (InfoLock)
˗ Global or plan level reporting
account domestic
Effective Trend
˗ Gross and net of employee contributions
Trended Claims
annually and changes in
Claim Fluctuation Corridor $892.01 1.0000 0.0% $40,370,733 chargemaster increases
Plan Design Adjustment
domestic drug pricing
• Cash & Accrual (C&A) reports • Domestic leakage Projected Claims $892.01 $40,370,733
Administration Fees
$30.07
$1,337,562
$495,269
$11.13
Stop Loss Fees
Estimated Rx Claims Savings
$0
$0.00
— Finance/HR executive • Non-domestic utilization Projected Cost $933.22 $42,203,564
Current Accrual
$40,084,594
$901.15
3.56%
% Change in Current Accrual
$890.12
Actual Cost
$39,593,962
dashboards Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx 1 Actual Cost vs. Current Accrual -1.22% -$490,632 4
analytics
• Domestic steerage and JV • Demographic analysis
utilization Domestic vs. non-domestic utilization Monthly Financial Reporting Sample
• Enrollment reports 2019 domestic vs non-domestic Sample Client Medical /Rx
Jan 2019-Dec 2019
• Budget vs. claim reports Service type 2019 domestic 2019 non-domestic 2019 total % domestic 45.0% % non-domestic 55.0% IIa. I. Month Paid Claim Payments are Valued as of: (ASO and Stop Loss Paid Claims Large Claims 1 Total Paid Net Total Plan Costs (Monthly) Expected Plan Costs 2 Total Plan Costs Claims (Cumulative) Expected Plan Costs 2
Medical and Rx Cash Flow Summary - (By Month Paid)
November 30, 2019
Inpatient hospital
$55,724,973
$25,076,238
$30,648,735
Fixed Costs
= Fixed +
Enrolled
Claims
Adjustments
Premium)
= Fixed + Claims
Subscribers
• Network discounts (domestic Outpatient hospital $20,576,423 $11,079,612 $31,656,035 65.0% 7.7% 4.3% 35.0% January-18 February-18 March-18 April-18 May-18 June-18 July-18 3,762 3,749 3,743 3,730 3,737 3,753 3,726 $141,756 $141,228 $140,998 $140,651 $141,010 $141,575 $140,651 $2,408,184 $2,350,989 $2,734,267 $2,430,645 $3,188,961 $2,838,492 $2,625,621 $37,593 $253 Sample Self Funded Claim Report - Medical $2,512,347 $5,004,311 $7,879,575 $10,450,871 $13,780,842 $16,741,064 $19,506,597 $2,798,615 $5,585,742 $8,372,206 $11,156,468 $13,948,781 $16,751,884 $19
$2,370,591
$2,512,347
$2,798,615
$2,350,736
$2,787,127
$2,491,964
$2,786,464
$2,734,267
$0
$2,875,265
92.3%
$30,423,576
$2,347,635
Professional
$28,075,941
$2,784,263
$2,571,296
$0
$2,430,645
$2,792,313
$0
$3,188,961
$3,329,971
$2,803,103
• Certiied IBNR reports Other $10,576 $1,574,021 $1,584,597 0.7% 99.3% August-18 September-18 October-18 November-18 December-18 Cumulative (1/1/2018-18) 3,760 3,745 3,714 3,695 3,742 44,856 $141,999 $141,493 $140,420 $139,583 $141,357 $1,692,721 $3,605,400 $2,549,164 $3,398,331 $2,314,924 $3,188,907 $33,633,884 $222,319 $39,661 $491,274 $40,127 $90,583 $942,392 Month/Year Jan-19 $3,383,081 $2,509,503 $2,907,057 Total Sub- $2,274,797 $3,098,325 $32,691,492 scribers 3,806 Members Total 5,747 $3,525,080 $2,650,996 $3,047,477 $2,414,380 Admin Fee $3,
$2,818,647
$19,845
$2,960,222
$738
$11,755,327
$2,785,631
$11,254,751
$500,576
95.7%
$2,624,883
$2,765,534
Pharmacy
Plan Year Ending 12/31/19
Claims
$31,144,531
$2,761,428
($450k)
and non-domestic) Total all services $48,511,448 $82,633,060 $131,144,508 37.0% 63.0% IIb. January-19 February-19 March-19 April-19 May-19 June-19 3,806 3,834 3,828 3,805 3,834 3,826 $140,822 $141,856 $141,738 $140,848 $141,863 $141,598 $2,970,669 $2,596,009 $2,723,194 $2,773,443 $3,604,519 $2,579,242 $2,741 Jul-19 $0 Feb-19 $0 Mar-19 $0 Apr-19 $0 May-19 $0 Jun-19 $2,970,669 $2,596,009 $2,723,194 $2,773,443 $3,604,519 $2,576,501 3,834 3,828 3,805 3,834 3,826 3,753 3,748 5,784 5,790 5,760 5,802 5,796 5,676 5,688 $108,437 $3,111,491 $108,267 $
$34,384,213
$33,490,389
$2,795,963
$0
$33,490,389 $140,822
$33,490,389
$3,228,417 $141,738
$3,231,924 $140,848
$3,211,094 $141,863
$3,231,374 $141,598
$3,225,183 $138,911
$3,164,750 $136,895
• Large claim reports July-19 August-19 September-19 October-19 November-19 December-19 Cumulative (1/1/2019-19) 3,753 3,748 3,696 3,690 3,707 41,528 $138,911 $138,830 $136,895 $136,718 $137,415 $1,537,496 $2,954,615 $3,363,539 $2,730,685 $3,139,786 $3,297,017 $32,732,717 $440 Aug-19 $40,121 Sep-19 ($3,074) v - 19 $219,239 Average/Month No Dec-19 $2,954,176 $3,323,418 $2,730,685 $3,142,859 $3,077,777 $32,473,249 3,696 3,690 3,707 41,528 3,775 0 5,615 5,613 5,643 62,914 5,719 0 $3,093,087 $104,523 $104,342 $3,462,248 $2,8
$3,120,375 $136,718
$0 Oct-19
$3,118,977 $137,415
$0
$3,138,444
YTD Totals
$2,268,998
$35,037,333 $139,772
$3,185,212
• Network disruption III. Rolling Twelve Actual Plan Costs $93,126,066 $94,583,239 98% IV. Actual Plan Cost Current Policy Year To Date $34,010,745 $35,037,333 41,563 97% 62,951 V. Ind Stop Loss (ISL) Deductible Per Claimant $500,000 $259,468 Employee Contributions PEPM Comparison $825 $856 96.4%
$259,468
Average/PEPM
Lagged Lives
$4,000,000
Rolling 12 Months Actual vs Expected (Dec-18 to Nov-19)
Current Policy Year Stop Loss Summary
(Paid Basis)
(based on lagged enrollment)
$3,500,000
Rolling Twelve Expected Plan Costs
Large Claims Adjustments
Expected Plan Costs
2019 YTD Actual
$3,000,000
Percent of Expected
Percent of Expected
2019 YTD Budget
$2,500,000
Cautiously Optimistic
Actual vs. Budget
• Year-over-year (YOY) or rolling • Plan design modeling 2 $2,000,000 $1,500,000 $1,000,000 $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 Sample Net Plan 2018 Actual $780 $750 104.0% 6.5% 12.6% 5
Cost
2018 Budget
Total Accrual
Actual vs. Budget
2019 vs. 2018 Actual
2019 vs. 2018 Budget
12 months Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx
• Contribution analysis
• Detailed expense (admin., stop-
loss, medical, pharmacy, dental, • Clinical reports (Infolock) Joint venture (JV) partner — sample health system utilization Self Insured Claim Report Sample
Medical/Rx
vision) Tax ID Jan 2019 — December 2019 Claims Month/Year Subscribers Members Admin Fee Specific Stop- Total Fixed Gross Medical Gross Rx Claims Reimbursable Net Paid Claims Total Net
JV Partners
Stop-Loss
Total
Total
Loss
Plan Cost
Claims
Claims ($175k)
Provider
Premium
30-0000001 JV Partner 1 $1,576,428 Jan-19 2,405 5,471 $93,362 $226,671 $320,033 $2,254,931 $724,894 $0 $2,979,824 $3,299,858
$20,317
$2,146,731
Mar-19
$225,540
$3,241,591
30- 0000002 JV Partner 2 $2,574,313 Feb-19 2,384 2,393 2,392 5,423 5,424 5,445 $92,547 $224,692 $317,239 $2,004,489 $703,886 $386,407 $688 $2,688,058 $3,005,297
$92,896
$2,923,154
$777,111
$318,437
$2,478,921
$2,948,190
$225,446
$92,857
$3,266,494
Apr-19
$855,677
• Global or plan level reporting 30-0000003 JV Partner 3 $576,279 May-19 2,391 2,384 2,396 5,419 5,406 5,456 $92,819 $225,352 $318,170 $2,257,775 $898,619 $221,631 $2,934,763 $3,252,934
$318,303
$876,056
$667,899
$2,216,474
$317,239
$2,741,870
$92,547
$2,424,631
Jun-19
$224,692
JV Partner 4
30-0000004
$489,527
$2,584,616
$882,345
$225,823
$388,500
$93,013
$318,836
$2,090,771
$2,903,452
Jul-19
30-0000005 JV Partner 5 $328,505 Aug-19 2,382 2,393 2,430 5,421 5,442 5,492 $92,469 $224,504 $316,973 $2,544,848 $884,324 $469,760 $2,959,412 $3,276,385
$92,896
$318,437
$2,630,017
$381,438
$225,540
$870,380
Sep-19
$3,437,396
$3,118,959
$1,988,416
$447,031
$229,028
$2,480,808
$2,804,168
Oct-19
$939,423
$323,360
$94,333
Total $5,545,052 Nov-19 2,422 2,419 5,468 5,460 $94,022 $228,274 $322,296 $1,807,660 $821,998 $641,403 $2,544,691 $2,866,986
$84,968
$3,195,739
$2,873,843
$227,991
$321,896
Dec-19
$93,906
$2,610,313
$904,933
• Gross and net of employee 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
YTD Totals
$309,170
2,399
$3,107,681
$2,788,413
5,444
$319,268.20
$2,252,612
$226,129
$844,970
$93,139
Average/PEPM
Lagged Lives 28,668 65,051 $38.82 $94.25 $133.07 $942.91 $353.69 $129.41 $1,167.19 $1,300.26
contributions PEPM Comparison $1,300.26
YTD Total PEPM (based on lagged enrollment)
2018 Total PEPM
4.1%
2019 vs. 2018 Change $1,249.35
2019 Budget PEPM $1,392.08
3 2019 Actual vs. Budget -6.6% 6
Pro\2019\LIPO LIfePoint\19Health Capabilities 23271.pptx
Advocate Aurora Health — Lockton Beneits Practice overview 24 Lockton Companies
