FROM: Robert Thompson, General Manager
Originator: Laura Maravilla, Director of Human Resources
SUBJECT:
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2025 BENEFITS INSURANCE RENEWAL
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GENERAL MANAGER'S RECOMMENDATION
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RECOMMENDATION: Recommend to the Board of Directors to:
A. Approve the Orange County Sanitation District 2025 Benefits Insurance Renewal with the carriers listed below for an overall not-to-exceed amount of $15,746,317, as specified below:
1. Benefit Coordinators Company (BCC) (medical, dental, and vision plans, Flexible Spending Accounts, and Employee Assistance Program [EAP]) - Not to Exceed $14,507,996;
2. Lincoln Financial (basic life, short- and long-term disability) - Not to Exceed $537,054;
3. The Standard (EMT & Manager disability) - Not to Exceed $30,000;
4. HealthEquity (Health Savings Accounts [HSA]) - Not to Exceed $50,400;
5. Voya (Health Reimbursement Arrangement [HRA]) - Not to Exceed $189,000;
6. BCC/Workterra (administration/transition costs, includes ACA Fees, Reporting & File Fees) - Not to Exceed $28,267;
7. BCC (retiree-paid health premiums, recouped from retirees through monthly payments) - Not to Exceed $403,600;
8. Approve a contingency of $787,316 (5%); and
B. Authorize the General Manager to revise the carriers within the not-to-exceed amounts listed above for operational efficiency and/or to better meet the needs of the Orange County Sanitation District and participants.
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BACKGROUND
The Orange County Sanitation District (OC San) offers healthcare and welfare insurance benefits (plans) to employees and eligible dependents in accordance with collective bargaining agreements, personnel policies, and adopted resolutions.
The renewal date for OC San's plans is January 1 of each year, with preparations starting as early as April of the prior year and insurance contracts being finalized in August. Human Resources (HR) staff works closely with OC San's broker of...
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