2009-2010 Overview of Golden Gate Bridge, Highway & Transportation District

Employee Benefits Program

June 11, 2009

Presented To:Finance and Auditing Committee

2Golden Gate Bridge, Highway and Transportation District

Overview of District’s Benefits Programs 2009/2010

Health Insurance– 2 HMOs (Blue Shield and Kaiser)– 1 PPO (Self-insured - administered by Blue Shield)

Employee Assistance Program (EAP)

Dental Insurance (Self-insured - administered by Delta Dental)

Vision (Self-insured - administered by Vision Service Plan)

Life Insurance– Basic ($10,000/employee; $15,000 Bus Operators)– Term

Flexible Spending Accounts– Medical Reimbursement - $3,500 annual cap – Dependent Care - $5,000 annual cap

Deferred Compensation– Able to use for purchase of additional service credit

3Golden Gate Bridge, Highway and Transportation District

Snapshot - Enrollment in Health Plans as of April 2009

Actives Retirees Actives Retirees Actives Retirees

Actives +Retirees % of Total

Kaiser 204 77 99 44 303 121 424 28.1%

Blue Shield HMO 98 5 8 0 106 5 111 7.3%

Blue Shield PPO 233 340 169 234 402 574 976 64.6%

Total 535 422 276 278 811 700 1,511 100.0%

TotalBus DriversNon-Bus Drivers

4Golden Gate Bridge, Highway and Transportation District

Snapshot of Plan Year ending June 30, 2008Demographics of District Participants (primary enrollee) enrolled in the Blue Shield PPO plan

PPO

Sex Male

Female

Average Age

# of Members/Employee

Enrollment by Tier% Single Party% Two Party

% Family

Employee Age Female Male Total Female Male Total0-19 0 0 0.00% 0 0 0.00%20-24 0 0 0.00% 0 0 0.00%25-29 0 1 0.17% 0 0 0.00%30-34 1 3 0.69% 1 2 0.73%35-39 8 10 3.09% 0 11 2.66%40-44 10 21 5.32% 2 19 5.08%45-49 13 31 7.55% 7 30 8.96%50-54 22 53 12.86% 9 29 9.20%55-59 17 50 11.49% 15 52 16.22%60-64 20 61 13.89% 16 56 17.43%

65+ (Assumes Retirees) 86 176 44.94% 40 124 39.71%Total: 100% 100%

20.2%100.0%

70%30%

64

1.9

37.6%43.4%19.0%100.0%

Non-Bus Drivers

1.9

39.0%40.8%

Bus Drivers

78%22%

63

5Golden Gate Bridge, Highway and Transportation District

Estimated Trends for 2009

Mercer Oliver Wyman Trend Survey (January 2009)

Estimated Trends*

PPO 10.6%

HMO 10.9%

RX 11.8%

*The trends will vary slightly from state to state.

Other Benefits

Dental 6.1%

Vision 3.0%

6Golden Gate Bridge, Highway and Transportation District

Projected Cost: Total District Aggregate (Includes 3% Margin)

Est. # of EEs

AnnualCost

Est. # of EEs

AnnualCost

% Change from Updated

Projection

PPO Medical 981 $7,883,000 981 $8,832,000 12%PPO Stop-Loss 565 $314,000 565 $424,000 35%PPO Prescription Drug 981 $4,172,000 981 $4,728,000 13%

Total PPO 981 $12,369,000 981 $13,984,000 13%

Blue Shield HMO 108 $1,380,000 108 $1,511,000 9%

Total PPO and HMO 1,089 $13,749,000 1,089 $15,495,000 13%

Kaiser 420 $4,706,000 420 $5,141,000 9%

Total Medical 1,509 $18,455,000 1,509 $20,636,000 12%

Dental 1,503 $2,350,000 1,503 $2,531,000 8%Vision 1,314 $246,000 1,314 $252,000 2%Life/AD&D 1,397 $102,000 1,397 $98,000 -4%EAP 808 $36,000 808 $36,000 0%

Total Healthcare Cost $21,189,000 $23,553,000 11%

7/1/09-6/30/10

TOTAL DISTRICT ACTIVES & RETIREES

7/1/08-6/30/09Updated as of 2/28/09