Overview of Golden Gate Bridge, Highway & Transportation District Employee Benefits Program June 11, 2009 Presented To: Finance and Auditing Committee

1 Golden 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

2 Golden Gate Bridge, Highway and Transportation District Snapshot - Enrollment in Health Plans as of April 2009

3 Golden Gate Bridge, Highway and Transportation District Snapshot of Plan Year ending June 30, 2008 Demographics of District Participants (primary enrollee) enrolled in the Blue Shield PPO plan

4 Golden Gate Bridge, Highway and Transportation District Estimated Trends for 2009 Mercer Oliver Wyman Trend Survey (January 2009) Estimated Trends* PPO10.6% HMO10.9% RX11.8% *The trends will vary slightly from state to state. Other Benefits Dental 6.1% Vision 3.0%

5 Golden Gate Bridge, Highway and Transportation District Projected Cost: Total District Aggregate (Includes 3% Margin)