Cypress Clients vs. National Averages

1 EMPLOYER. MEDICAL PLAN COST. Cypress Clients vs. National Averages 2012 - 2017. Employer National National PEPY. Cost average average Difference % Difference Cost % Annual PEPY % Annual PEPY Aon % Annual PEPY % Annual % Annual Cypress vs. Cypress vs. PEPY* Increase Milliman** Increase Hewitt** Increase Towers ** Increase PEPY Cost Increase National National 2012 $8, $13, $11, $12, $12, $3, 2013 $9, $14, $11, $13, $13, $4, 2014 $9, $15, $12, $14, $14, $5, 2015 $9, $16, $13, $15, $15, $5, 2016 $9, $17, $14, $17, $16, $6, 2017 $9, $18, $15, $18, $17, $7, average $ PEPY Cost Cypress vs. National average $17, $16, $18, $15, $13, $14, $16, $12, $14, $9, $9, $12, $9, $9, $8, $9, $10, $8, $6, $4, $2, $ 2012 2013 2014 2015 2016 2017.

2 Cypress average National average Annual Plan Cost Increase Cypress vs. National average 2012 2013 2014 2015 2016 2017. Cypress average National average *PEPY statistics include employer paid cost of medical and dental claims, administration fees, stop loss premiums and all other related costs. ** Annual cost statistics sourced from studies published by Milliman Medical Index; Aon Hewitt Health Value Initiative Database; and Towers Watson Health Care Trend Survey (2012-2017).