21 / 150
PAGE 20
Unipres U.S.A. Employee Benefits Brokerage and Consulting Services RFP
Financial reviews of healthcare programs including review of underwriting processes and analysis of
rate calculations
Projecting financials and claims
Pricing and reserve calculations
Stop-loss simulations
The actuarial team is led by Chief Actuary, David Rubadue, who manages reserve valuations, OPEB valuations (FASB,
GASB, and IAS), Taft Hartley (or similar) valuations, MEWA financial reviews, pricing of all H&W lines of business, and
financial reporting (appointed actuary).
Actuarial services and monthly financial reports are included in our standard scope of services with the exception of
GASB valuations which are done on a separate project fee basis. Pricing for GASB valuations can be provided upon
request.
f. Financial Reporting and Analysis – experience reporting, ongoing management assistance, including regular
monitoring of claim activity reports.
The CBIZ philosophy is clear – data analysis is the “road map” to managing the ongoing health care strategic
process. Reporting is a critical component in monitoring the effectiveness of the Health and Welfare benefits plans.
CBIZ will provide monthly reporting of plan financial performance. CBIZ will provide an Integrated Report annually
including a comprehensive integrated review, projections and modeling reports. The engagement team includes an
actuarial analyst who will assist with financial and budget modeling as necessary. Funding alternatives are always
reviewed and analyzed on an annual basis and presented as part of the strategic planning and renewal process.
Additionally, we believe that what gets measured gets managed. As such, we typically negotiate performance
metrics into vendor contracts which define the key success measures, rather those be financial, service or
administrative in nature.
Reporting
Reporting is a critical component in monitoring the effectiveness of the Health and Welfare benefits plans. CBIZ
provides periodic (monthly, quarterly, semi-annual) and year end historical comparisons as well as financial/
utilization reports and analysis for all lines of coverage. CBIZ will also accommodate special reports as needed or
requested. Reports provided by carriers/vendors are available and monitored on a regular basis by CBIZ but our
reporting is customized to each client. Please see Exhibit G for examples of our reporting and analysis.
Monthly Reports/Meetings:
Dashboard Report
Monthly financial overview and funding comparison