One large plan eliminates duplication of services in the audit ,actuarial ,legal ,and consulting area. There are lower governance costs and reduced administration expenses from the carrier because of a larger group. The larger group size also significantly lowers life insurance costs and stop loss premiums from insurance companies. These savings have been reflected in the employer's premium rates over time.

Effective in 2013, Plan efficiencies and claims experience have resulted in a premium rate reduction of 8%, so that the common rate is lowered to $ 99.00 / month.

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