Page 49 - Bird RFP Response_Burnham Benefits

Demographic Risk Analysis
Population: Book of Business

This report provides an overview of prospective risk by age, gender, and relationship. Risk scores are provided
through Milliman's prospective MARA model and are generated based on medical and pharmacy claims incurred in
the 12 month period prior to the end of the reporting period. The model is normalized so that the average risk is
represented by a score of 1.0 with risk increasing as the score rises above that value.

Prospective Risk Distribution by Member Relationship to Employee
7,553

Relationship Count Average Members 3,114 2,877
Class Risk 1,562
Employee 3,114 1.13
Dependent 2,877 0.53
Spouse 1,562 1.59 1.59
All Members 7,553 1.00 1.13 1.00
Risk Score 0.53

Employee Dependent Spouse All Members

Prospective Risk Distribution by Member Age and Gender
4.00
Female Male
3.50
3.00
2.50
2.00
1.50
1.00
0.50
0.00
0-4 5-9 10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

Female Male Total
Age Band
Count Avg. Risk Count Avg. Risk Avg. Risk
0-4 191 0.62 208 0.42 0.52
5-9 215 0.33 246 0.35 0.34
10-14 324 0.38 297 0.47 0.42
15-19 334 0.64 384 0.50 0.56
20-24 329 0.78 346 0.56 0.66
25-29 183 1.03 270 0.32 0.61
30-34 190 0.97 323 0.43 0.63
35-39 225 1.26 332 0.68 0.91
40-44 210 1.37 373 0.70 0.94
45-49 248 1.30 379 1.05 1.15
50-54 255 1.83 384 1.27 1.49
55-59 243 2.31 329 1.78 2.00
60-64 208 2.06 306 2.04 2.05
65-69 69 2.27 94 2.27 2.27
70+ 28 2.88 28 3.36 3.12
All-Ages 3,252 1.15 4,299 0.89 1.00

Reporting Period: Incurred January 2018 to December 2018 Through December 2018
Benchmark: Commercial February 15, 2019
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