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Plan History of Elk River <br /> ULoss Ratio PMPM <br /> Year Premiums Claim Rate Change <br /> 10 Claims Amount <br /> Average <br /> 2006 n/a n/a +20.6% <br /> I2005* Paid to June 05 <br /> Jan—Apr 05 98% $241.92 +15.91% <br /> I <br /> 2004 <br /> 2003 117% $217.55 <br /> $204.35 +16.9% <br /> 105% +13.4% <br /> 2002 90% $140.34 +4% <br /> I *In-active High Cases: Jan-Dec 03 $65,012 <br /> Jan-Dec 04 $38,804 <br /> Jan 05 $19,299 <br /> IAverage Plan Rate History of Elk River <br /> I Year Single Rate Family Rate <br /> 2006 $311.00 $1,173.50 <br /> 2005 $258.00 $ 973.00 <br /> I 2004 $222.50 $ 839.50 <br /> 2003 $205.32 $ 775.12 <br /> 2002 $184.39 $ 696.10 <br /> 1 <br /> 0 How Rates are Determined <br /> The rates given by the Service Cooperative are considered self-insured, as Elk River is <br /> solely responsible for all claims up to $50,000 per employee per year. (This is the <br /> I specific stop-loss amount for 2005. For 2006, stop-loss may increase to $75,000 per <br /> employee per year.) <br /> I Specific percentages of past year's claim experiences are used to calculate a full year of <br /> experience for a self-insured rate. For the 2006 renewal, 36% of 2003 claims, 56% of <br /> 2004 claims and 8% of 2005 claims (Jan—Apr) were used. <br /> IDemographic History of Elk River <br /> The average age of your group is currently 41.13 years. Average age, number of <br /> Iemployees and dependents can impact overall rates. All plan members total 85. <br /> Employee Count <br /> I <br /> Year Total Sgl/Fam <br /> 2006 30 5/25 <br /> 2005 30 7/23 <br /> I 2004 27 5/22 <br /> 2003 26 3/23 <br /> 2002 25 4/21 <br /> lip <br /> I2 <br /> I <br />