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40 <br />Table of Contents <br />Executive Summary of Recommendations.................................................................................. 3 <br />Summary of Recommendations..........................................................................................3 <br />TotalCost Analysis............................................................................................................. 4 <br />Overview & Background Information........................................................................................ 5 <br />Funding. History...................................................................................................................7 <br />Health Insurance Claims Experience History ...................................................................... S <br />Health & Vision Insurance Evaluation.................................................................................... 10 <br />Health Insurance Benefit & Cast Comparison.................................................................. 17 <br />Requested Physicians Comparison........................................................................................... 21 <br />Dental Insurance Evaluation..................................................................................................... 31 <br />Dental Insurance Benefit & Cost Comparison..................................................................33 <br />Life Insurance Evaluation......................................................................................................... 35 <br />Life Insurance Rate Comparison....................................................................................... 37 <br />