1. Stewardship Benefit Plan a Report from the Field Survey & Claim Data presented by David G. Wegge, Ph.D.

2. Methodology CPA Firm CPA Firm 3 Years Ago: $500 Deductible Plan 3 Years Ago: $500 Deductible Plan Changed to Stewardship Plan in 2008 Changed to Stewardship Plan in 2008 Current Year: $2000+ Deductible Plans are the choice of 95% of Employees Current Year: $2000+ Deductible Plans are the choice of 95% of Employees Surveys administered at reenrollment Surveys administered at reenrollment 400 enrolled out of 600 eligible employees 400 enrolled out of 600 eligible employees 341 completed questionnaires 341 completed questionnaires 85% completion rate 85% completion rate

3. Group Characteristics 9 Cities in the Midwest / US 9 Cities in the Midwest / US 65.5% Women / 31% Men 65.5% Women / 31% Men 36.6% Hourly / 62.3% Salaried 36.6% Hourly / 62.3% Salaried 9.2% = Had the Plan less than One Year 9.2% = Had the Plan less than One Year 90.8% = Second Year of the Plan

4. Sample Characteristics Coverage Type 52.7% = Employee Only 52.7% = Employee Only 23.2% = Employee + Spouse 23.2% = Employee + Spouse 19.4% = Family 19.4% = Family 4.7% = Employee + Children 4.7% = Employee + Children Age (In Years) 12.3%18-24 28.3%25-34 20.3%35-44 21.7%45-54 16.7%55-64.7%65 & Over

5. Overall Employee Satisfaction with the Benefit Plan

6. YOUR DEDUCTIBLE ?

7. Satisfied with your HSA plan? (Health Savings Account)

8. You and/or Your Family = Doctor Visits/Year

9. Do you like having Deductible Choices in your Plan?

10. Did Benefit Savings Dollars available Impact the Size of Deductible you selected?

11. Has Choice of Deductible Affected Your Use of PPO Doctors?

12. Have you used your HSA Account?

13. How Do You Plan To Use Your Health Savings Dollars?

14. How Does this Benefit Plan Impact Your Behavior?

15. Conclusion The Stewardship Benefit Plan is a Positive Change for a majority of Employees, and a Positive Introduction to a Strategy of: Consumer Driven Health Care

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