Percent of Employees Waiving Coverage 27.0% 30.6% 29.1% 23.4% 24.9%

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2 Number of Health Plans Reported 18,186 3, ,803 3,088 Offer HRA or HSA 34.0% 42.7% 47.0% 39.7% 35.0% Annual Employer Contribution $1,353 $1,415 $1,037 $1,272 $1,403 Percent of Employees Waiving Coverage 27.0% 30.6% 29.1% 23.4% 24.9% Offer Waiver Bonus 2.9% 4.5% 4.0% 2.6% 2.6% Annual Single Waiver Bonus $1,678 $1,476 $1,628 $1,175 $1,876 Minimum # Hours / Week for Full-Time Eligibility 72.5% 57.1% 81.3% 74.0% 67.2% Offer More Than One Medical Plan 46.3% 53.0% 66.0% 48.5% 45.6% Offer Company-Sponsored Wellness Program 18.9% 24.3% 26.4% 15.0% 10.2% Full Infertility Treatment Covered 45.2% 62.1% 96.7% 50.0% 38.1% Same Sex Domestic Partners Covered 34.6% 52.9% 45.5% 42.9% 34.0% Offer Early (Pre-65) Retiree Coverage 4.4% 3.3% 2.0% 2.3% 2.0% Offer Regular (Post-65) Retiree Coverage 3.7% 3.7% 0.8% 2.2% 2.4% Type of Retiree Plan Offered 13.1% 0.0% 0.0% 25.0% 14.3% Total Monthly Premium - Single Total Monthly Premium - Family $398 $1,142 $216 $326

3 Number of Health Plans Reported 2, Specific Plan Information Type of Active Employee Plan Offered 17.3% 22.5% 39.0% 15.9% 17.3% Funding Method 98.1% 98.0% 96.3% 98.5% 99.6% Most Recent Renewal Increase / Decrease 5.1% 5.5% 4.6% 4.2% 6.1% Average Annual Costs Per Employee Average Annual Cost per Employee $9,446 $10,340 $10,970 $9,547 $8,493 Employer Share $5,684 $6,302 $7,139 $5,791 $4,513 Employee Share $3,762 $4,039 $3,831 $3,756 $3,981 Total Monthly Premiums Type of Premium Split (2, 3, 4, or 5+) 75.9% 75.9% 29.8% 80.0% 82.9% Total Monthly Premiums Single $533 $532 $491 $485 $471 EE+1 $1,021 $1,073 $1,057 $1,053 $971 EE+CH $895 $993 $900 $896 $883 EE+SP $1,050 $1,144 $984 $1,056 $1,045 Family $1,434 $1,556 $1,426 $1,454 $1,415 Family (Composite Non-Single) $1,162 $1,281 $1,232 $1,207 $1,135

4 Number of Health Plans Reported 2, Employee Share of Premiums Monthly Employee Premium Share ($) Single $143 $173 $179 $134 $160 EE+1 $395 $368 $332 $311 $446 EE+CH $394 $408 $376 $375 $443 EE+SP $483 $494 $413 $437 $539 Family $715 $700 $615 $696 $787 Family (Composite Non-Single) $542 $555 $516 $522 $591 Monthly Employee Premium Share (%) Single 30.6% 33.1% 37.4% 29.4% 34.2% EE % 33.8% 30.8% 30.5% 45.7% EE+CH 45.3% 41.6% 42.1% 43.7% 50.8% EE+SP 47.0% 43.6% 42.1% 43.9% 52.6% Family 51.3% 45.2% 43.2% 50.4% 56.5% Family (Composite Non-Single) 48.1% 43.5% 42.1% 45.4% 53.1% % of Plans Requiring No Employee Contribution Single 22.1% 16.3% 11.0% 26.9% 19.9% EE+1 9.5% 4.3% 6.1% 8.3% 10.0% EE+CH 6.4% 6.5% 4.5% 8.9% 6.3% EE+SP 6.1% 5.7% 4.4% 9.6% 6.8% Family 7.1% 7.4% 5.5% 10.7% 7.6% Family (Composite Non-Single) 7.1% 7.0% 5.5% 10.4% 6.5% % of Employees Electing Dependent Coverage 40.7% 46.2% 51.7% 42.5% 33.0%

5 Number of Health Plans Reported 2, CoPays Primary Care Physician CoPay $25 $25 $20 $25 $25 Specialty Care Physician CoPay $40 $40 $35 $40 $45 Urgent Care CoPay $50 $50 $30 $50 $50 Emergency Room CoPay $150 $150 $150 $150 $200 Separate In-Hospital Admission CoPay $400 $500 $500 $300 $500 In-Network Benefits Deductible - Single $1,500 $2,000 $1,000 $1,500 $2,000 Deductible - Family $4,000 $4,000 $2,000 $3,000 $4,000 Plan Coinsurance 100% 100% 100% 100% 100% Out-of-Pocket Maximum - Single $3,500 $5,000 $5,000 $3,000 $4,000 Out-of-Pocket Maximum - Family $7,000 $10,000 $10,000 $6,000 $8,000 Out-of-Network Benefits Deductible - Single Deductible - Family Plan Coinsurance Out-of-Pocket Maximum - Single Out-of-Pocket Maximum - Family Deductible Required Single 52.0% 74.0% 64.9% 41.8% 63.1% Family 51.5% 74.0% 64.9% 40.9% 61.6%

6 Number of Health Plans Reported 18,186 3, ,803 3,088 Prescription Drug Coverage Separate Rx Deductible Included 10.8% 11.4% 1.3% 9.9% 11.8% Annual Single Rx Deductible $150 $100 $625 $200 $150 CoPays, Coinsurance, or Both # of CoPay or Coinsurance Tiers 48.9% 68.8% 83.1% 46.9% 42.4% Preferred Generic $10 $15 $15 $15 $10 Non-Preferred Generic $10 $10 $15 $10 $10 Preferred Brand $35 $35 $30 $35 $35 Non-Preferred Brand $50 $50 $50 $50 $60 Specialty $60 $70 $50 $60 $60 Other $15 $10 $15 $15 Mail Order - # of Retail CoPays / 90 day supply 35.9% 58.6% 57.7% 34.6% 29.8% Section 125 Plans Medical FSA Offered 23.3% 28.3% 40.3% 25.8% 17.7% Annual Maximum Contribution Allowed $2,500 $2,500 $2,500 $2,500 $2,500 Average Annual Employee Contribution $1,321 $1,316 $1,330 $1,426 $1,333 % of EEs Participating 24.9% 25.6% 27.5% 29.6% 32.6% Limited Purpose FSA Offered 3.1% 2.4% 0.3% 3.9% 1.9% Dependent Care FSA Offered 21.6% 26.5% 37.4% 22.9% 16.4% Annual Maximum Contribution Allowed $5,000 $5,000 $5,000 $5,000 $5,000 Average Annual Employee Contribution $3,492 $3,672 $3,646 $3,862 $3,632 % of EEs Participating 4.2% 3.6% 4.8% 6.5% 5.8%

7 Regions States Northeast CT, DE, DC, MA, MD, ME, NH, NJ, NY, Eastern PA, RI, VT North Central IL, IN, KY, OH, Western PA, MI, WI, WV Southeast AL, FL, GA, MS, NC, SC, TN, VA Central AR, CO, IA, KS, LA, MN, MO, ND, NE, NM, OK, SD, TX West AK, AZ, CA, HI, ID, MT, NV, OR, UT, WA, WY Industry Categories NAICS Ranges Manufacturing Wholesale Trade; Retail Trade Professional / Scientific / Technical Services 54 Health Care & Social Assistance 62 Finance & Insurance; Real Estate and Renting & Leasing Public Administration; Education Services; Utilities Information; Arts / Entertainment / Recreation; Accommodation & Food Services Construction; Agriculture / Forestry / Fishing & Hunting; Mining / Oil & Gas Extraction; Transportation & Warehousing Mgm't of Companies & Enterprises; Administration & Support and Waste Mgm't & Remediation Services; Other Services Employee Size Categories < United Benefit Advisors, LLC - All rights reserved. All Benchmark Data is Based on the 2015 UBA Health Plan Survey