Health Plan

September 2015

Vendors

CoreSource HealthLink MedTrak New Directions TASC Tatman Benefit Advisors, Inc. Guardian HM Life

Non-medical Comparison

GL and AD&D Current Option 2

Benefit $10,000 flat 1 time annual pay max $100,000

Rate $0.14 $0.13

Volume $3,030,000 $10,168,550

Est. Annual Cost $5,090 $15,863

Non-medical Comparison (cont)LTD Current Option 2

Benefit 60% to $4,000/Month

60% to $6,000/Month

Elimination Period 150 Days 90 Days

Pre-existing conditions

3/12 3/12

Integration Full Family Full Family

Rate (per $100 CMP)

$0.20 $0.25

Volume (CMP) $791,518 $842,034

Est. Annual Cost $18,996.43 $25,261.02

Funding Rates for 2016

2015 Projected 2016

Employee $454 $469 Board Paid

Spouse $478 $494 Personal Pay

Children $319 $330 Personal Pay

3.4%

Base Plan

Funding Rates for 2016 (cont)

2015 Projected 2016

Employee $487 $504 Board Paid

Spouse $507 $524 Personal Pay

Children $339 $351 Personal Pay3.4%

Buy-Up Plan

Committee Consensus

For Plan Year 2016 it was the consensus of the Benefits Committee to:

1. Discontinue the current wellness program2. To increase:

1. Life Insurance and AD&D to 1X annual pay-maximum of $100,000

2. LTD at 60% compensation to $6000 with a 90 day waiting period

3. To maintain 2015 rates for 2016 pending embedded benefits