1-Exhibit E - YTD Aetna Medical Claim Analysis Sept 1 2024 - Aug 31 2025.pdf

June 2025

This analysis is for illustrative purposes only, and is not a guarantee of future expenses, claims costs, managed care savings, etc. There are many variables that can affect future health care costs including utilization patterns, catastrophic claims, changes in plan design, health care trend increases, etc. This analysis does not amend, extend, or alter the coverage provided by the actual insurance policies and contracts. Please see your policy or contact us for specific information or further details in this regard.

September 1, 2024 - August 31, 2025

A Self-Funded Evaluation

YTD CLAIM ANALYSIS

PREPARED EXCLUSIVELY FOR:

Schertz-Cibolo-Universal City ISD

Financial Monitoring Report - Schertz-Cibolo-Universal City ISD Executive Analysis

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

1) The medical plan expense for the month of June is $1,374,502 or $1,158.94 per employee per month (PEPM)

2) The YTD medical plan expense through June is $9,458,412 or $792.29 PEPM

3) Actual results YTD are 13.2% above projected budget on a gross PEPM basis

4) The projected budget results yield a $1,099,428 deficit YTD , which equates to $92.09 PEPM

5) Large claims (individuals with claims > $100,000) represent 7.2% of total YTD medical/rx claim expense

6) 1 Individual exceeded the $200,000 specific deductible with estimated reimbursements of $37,954

Executive Analysis

Financial Monitoring Report - Medical Budget Summary (All Plans)

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

Total PEPM Enrollment Subscribers 1,194 1,201 1,204 1,206 1,191 1,187 1,190 1,192 1,187 1,186 Members 1,850 1,870 1,883 1,883 1,867 1,855 1,864 1,871 1,874 1,868 Contract Size 1.5 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6

Claim Payments Medical Claims $67,916 $317,287 $335,252 $482,637 $423,593 $380,515 $440,862 $596,930 $461,025 $697,219 $4,203,237 $352.09 Pharmacy Claims $45,677 $287,069 $273,437 $281,098 $346,164 $349,591 $264,949 $528,573 $477,741 $407,093 $3,261,392 $273.19 Runout Claims $381,237 $79,358 $31,552 $75,093 $44,963 $48,583 $13,259 $15,141 $200,844 $100,368 $990,398 $82.96 Pharmacy Rebates $0 ($185,133) $0 $0 ($143,717) $0 $0 ($339,212) $0 $0 ($668,063) ($55.96) Claims Over Specific $0 $0 $0 $0 $0 $0 $0 ($24,602) ($13,352) $0 ($37,954) ($3.18) Total Net Claim Payments $494,831 $498,581 $640,242 $838,828 $671,002 $778,689 $719,070 $776,830 $1,126,258 $1,204,680 $7,749,010 $649.10 Total Net Claim Payments PEPM $414.43 $415.14 $531.76 $695.55 $563.39 $656.01 $604.26 $651.70 $948.83 $1,015.75

Fixed Costs Administrative Fees $48,913 $49,200 $49,323 $49,405 $48,790 $48,626 $48,749 $48,831 $48,626 $48,585 $489,048 $40.97 Stop Loss Premiums $122,056 $122,772 $123,079 $123,284 $121,749 $121,340 $121,647 $121,851 $121,340 $121,237 $1,220,354 $102.22 Total Fixed Costs $170,969 $171,972 $172,402 $172,689 $170,539 $169,966 $170,396 $170,682 $169,966 $169,822 $1,709,402 $143.19

Total Plan Cost $665,799 $670,553 $812,644 $1,011,516 $841,541 $948,655 $889,466 $947,512 $1,296,224 $1,374,502 $9,458,412 $792.29 Employee Contributions $249,502 $253,816 $256,439 $255,802 $254,036 $252,401 $254,071 $255,083 $256,117 $254,956 $2,542,224 $212.95 Employer Cost $416,297 $416,737 $556,204 $755,714 $587,505 $696,254 $635,394 $692,429 $1,040,107 $1,119,546 $6,916,188 $579.34

Budget Comparison Budgeted Cost $830,207 $838,546 $843,004 $843,032 $834,421 $830,566 $833,941 $836,128 $835,502 $833,636 $8,358,984 $700.20 Actual Cost $665,799 $670,553 $812,644 $1,011,516 $841,541 $948,655 $889,466 $947,512 $1,296,224 $1,374,502 $9,458,412 $792.29 Surplus/(Deficit) $164,408 $167,993 $30,361 ($168,484) ($7,120) ($118,089) ($55,524) ($111,384) ($460,722) ($540,866) ########## ($92.09)

Note: Large Claimant data does not include runout data from UHC.

Sep-24Paid Month Feb-25Jan-25Dec-24Nov-24Oct-24 Jul-25Jun-25May-25Apr-25Mar-25 Aug-25 Year-to-Date

1.6 18,685 11,938

($600) ($400) ($200)

$0 $200 $400 $600 $800

$1,000 $1,200 $1,400

Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Actual Cost $558 $558 $675 $839 $707 $799 $747 $795 $1,092 $1,159 $0 $0 Budgeted Cost $695 $698 $700 $699 $701 $700 $701 $701 $704 $703 $0 $0 Variance $138 $140 $25 ($140) ($6) ($99) ($47) ($93) ($388) ($456)

Budget Comparison PEPM

41%

32%

10%

5%

12%

Combined Plan Expenses

Medical Claims

Pharmacy Claims

Runout Claims

Administrative Fees

Stop Loss Premiums

Financial Monitoring Report - Medical Budget Summary (Baptist ACO)

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

Total PEPM Enrollment Subscribers 856 862 866 867 859 854 856 859 856 855 Members 1,299 1,318 1,330 1,328 1,325 1,314 1,317 1,325 1,326 1,320 Contract Size 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5

Claim Payments Medical Claims $42,261 $197,214 $181,182 $336,008 $233,182 $226,283 $315,027 $327,521 $217,453 $365,202 $2,441,332 $284.21 Pharmacy Claims $25,304 $169,685 $152,083 $158,896 $199,587 $240,510 $139,234 $314,937 $242,259 $232,590 $1,875,086 $218.29 Claims Over Specific $0 $0 $0 $0 $0 $0 $0 ($24,602) ($13,352) $0 ($37,954) ($4.42) Total Net Claim Payments $67,564 $366,899 $333,265 $494,904 $432,769 $466,794 $454,261 $617,856 $446,360 $597,792 $4,278,464 $498.07 Total Net Claim Payments PEPM $79 $426 $385 $571 $504 $547 $531 $719 $521 $699

Fixed Costs Administrative Fees $35,096 $35,342 $35,506 $35,547 $35,219 $35,014 $35,096 $35,219 $35,096 $35,055 $352,190 $41.00 Stop Loss Premiums $87,577 $88,191 $88,600 $88,703 $87,884 $87,373 $87,577 $87,884 $87,577 $87,475 $878,843 $102.31 Care Coordination $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0.00 Total Fixed Costs $122,673 $123,533 $124,106 $124,250 $123,103 $122,387 $122,673 $123,103 $122,673 $122,530 $1,231,033 $143.31

Total Plan Cost $190,238 $490,432 $457,371 $619,153 $555,872 $589,180 $576,934 $740,960 $569,033 $720,322 $5,509,497 $641.38 Employee Contributions $147,083 $151,312 $152,489 $151,473 $152,375 $150,961 $151,766 $153,167 $154,431 $153,270 $1,518,327 $176.76 Employer Cost $43,155 $339,120 $304,882 $467,680 $403,498 $438,220 $425,168 $587,792 $414,602 $567,052 $3,991,170 $464.63

Budget Comparison Budgeted Cost $562,248 $570,042 $573,314 $572,513 $570,160 $566,151 $567,991 $571,112 $571,421 $569,555 $5,694,507 $662.92 Actual Cost $190,238 $490,432 $457,371 $619,153 $555,872 $589,180 $576,934 $740,960 $569,033 $720,322 $5,509,497 $641.38 Surplus/(Deficit) $372,010 $79,610 $115,943 ($46,640) $14,287 ($23,030) ($8,943) ($169,847) $2,388 ($150,767) $185,010 $21.54

Note: Large Claimant data does not include runout data from UHC.

Oct-24Sep-24Paid Month Mar-25Feb-25Jan-25Dec-24Nov-24 Aug-25Jul-25Jun-25May-25Apr-25 Year-to-Date

8,590 13,202

1.5

($400)

($200)

$0

$200

$400

$600

$800

$1,000

Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Actual Cost $222 $569 $528 $714 $647 $690 $674 $863 $665 $842 $0 $0 Budgeted Cost $657 $661 $662 $660 $664 $663 $664 $665 $668 $666 $0 $0 Variance $435 $92 $134 ($54) $17 ($27) ($10) ($198) $3 ($176)

Budget Comparison PEPM

44%

34%

6%

16% 0%

Combined Plan Expenses

Medical Claims

Pharmacy Claims

Administrative Fees

Stop Loss Premiums

Care Coordination

Financial Monitoring Report - Medical Budget Summary (Open Access HSA)

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

Total PEPM Enrollment Subscribers 229 230 229 230 226 227 228 227 227 227 Members 372 373 371 372 361 360 366 364 369 369 Contract Size 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6

Claim Payments Medical Claims $9,076 $72,040 $83,956 $81,438 $117,248 $71,754 $65,789 $149,792 $139,234 $230,469 $1,020,795 $447.72 Pharmacy Claims $843 $35,806 $50,632 $41,786 $50,692 $37,777 $49,177 $51,762 $94,746 $40,392 $453,613 $198.95 Claims Over Specific $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0.00 Total Net Claim Payments $9,920 $107,846 $134,588 $123,224 $167,940 $109,531 $114,966 $201,554 $233,979 $270,861 $1,474,408 $646.67 Total Net Claim Payments PEPM $43 $469 $588 $536 $743 $483 $504 $888 $1,031 $1,193

Fixed Costs Administrative Fees $9,389 $9,430 $9,389 $9,430 $9,266 $9,307 $9,348 $9,307 $9,307 $9,307 $93,480 $41.00 Stop Loss Premiums $23,429 $23,531 $23,429 $23,531 $23,122 $23,224 $23,327 $23,224 $23,224 $23,224 $233,267 $102.31 Care Coordination $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0.00 Total Fixed Costs $32,818 $32,961 $32,818 $32,961 $32,388 $32,531 $32,675 $32,531 $32,531 $32,531 $326,747 $143.31

Total Plan Cost $42,738 $140,807 $167,406 $156,185 $200,329 $142,062 $147,640 $234,085 $266,511 $303,392 $1,801,154 $789.98 Employee Contributions $49,963 $50,047 $49,963 $50,047 $47,809 $47,588 $48,453 $48,063 $49,490 $49,490 $490,911 $215.31 Employer Cost ($7,225) $90,760 $117,443 $106,138 $152,520 $94,475 $99,188 $186,021 $217,021 $253,902 $1,310,243 $574.67

Budget Comparison Budgeted Cost $162,583 $163,127 $162,583 $163,127 $158,594 $158,748 $160,283 $159,348 $161,105 $161,105 $1,610,601 $706.40 Actual Cost $42,738 $140,807 $167,406 $156,185 $200,329 $142,062 $147,640 $234,085 $266,511 $303,392 $1,801,154 $789.98 Surplus/(Deficit) $119,845 $22,320 ($4,823) $6,942 ($41,735) $16,685 $12,642 ($74,736) ($105,406) ($142,287) ($190,553) ($83.58)

Note: Large Claimant data does not include runout data from UHC.

Jul-25Paid Month Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25

1.6

Aug-25 Year-to-Date

2,280 3,677

($1,000)

($500)

$0

$500

$1,000

$1,500

Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Actual Cost $187 $612 $731 $679 $886 $626 $648 $1,031 $1,174 $1,337 $0 $0 Budgeted Cost $710 $709 $710 $709 $702 $699 $703 $702 $710 $710 $0 $0 Variance $523 $97 ($21) $30 ($185) $74 $55 ($329) ($464) ($627)

Budget Comparison PEPM

57% 25%

5%

13% 0%

Combined Plan Expenses

Medical Claims

Pharmacy Claims

Administrative Fees

Stop Loss Premiums

Financial Monitoring Report - Medical Budget Summary (Choice POS)

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

Total PEPM Enrollment Subscribers 108 108 108 108 105 105 105 105 103 103 Members 178 178 181 182 180 180 180 181 178 178 Contract Size 1.6 1.6 1.7 1.7 1.7 1.7 1.7 1.7 1.7 1.7

Claim Payments Medical Claims $16,580 $48,033 $70,115 $65,190 $73,162 $82,297 $60,046 $119,617 $104,338 $100,887 $740,264 $699.68 Pharmacy Claims $19,530 $81,578 $70,722 $80,416 $95,885 $71,304 $76,538 $161,874 $140,736 $134,111 $932,694 $881.56 Claims Over Specific $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0.00 Total Net Claim Payments $36,110 $129,611 $140,837 $145,606 $169,047 $153,601 $136,584 $281,490 $245,074 $234,998 $1,672,959 $1,581.25 Total Net Claim Payments PEPM $334 $1,200 $1,304 $1,348 $1,610 $1,463 $1,301 $2,681 $2,379 $2,282

Fixed Costs Administrative Fees $4,428 $4,428 $4,428 $4,428 $4,305 $4,305 $4,305 $4,305 $4,223 $4,223 $43,378 $41.00 Stop Loss Premiums $11,049 $11,049 $11,049 $11,049 $10,743 $10,743 $10,743 $10,743 $10,538 $10,538 $108,244 $102.31 Care Coordination $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0.00 Total Fixed Costs $15,477 $15,477 $15,477 $15,477 $15,048 $15,048 $15,048 $15,048 $14,761 $14,761 $151,622 $143.31

Total Plan Cost $51,587 $145,089 $156,314 $161,084 $184,094 $168,648 $151,632 $296,538 $259,835 $249,759 $1,824,581 $1,724.56 Employee Contributions $52,457 $52,457 $53,987 $54,282 $53,852 $53,852 $53,852 $53,852 $52,196 $52,196 $532,986 $503.77 Employer Cost ($870) $92,632 $102,327 $106,801 $130,242 $114,796 $97,779 $242,685 $207,638 $197,563 $1,291,595 $1,220.79

Budget Comparison Budgeted Cost $105,377 $105,377 $107,107 $107,392 $105,667 $105,667 $105,667 $105,667 $102,976 $102,976 $1,053,876 $996.10 Actual Cost $51,587 $145,089 $156,314 $161,084 $184,094 $168,648 $151,632 $296,538 $259,835 $249,759 $1,824,581 $1,724.56 Surplus/(Deficit) $53,790 ($39,712) ($49,207) ($53,691) ($78,427) ($62,981) ($45,964) ($190,870) ($156,858) ($146,783) ($770,705) ($728.45)

Note: Large Claimant data does not include runout data from UHC.

Jul-25Paid Month Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25

1.7

Aug-25 Year-to-Date

1,058 1,796

($3,000)

($2,000)

($1,000)

$0

$1,000

$2,000

$3,000

$4,000

Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Actual Cost $478 $1,343 $1,447 $1,492 $1,753 $1,606 $1,444 $2,824 $2,523 $2,425 $0 $0 Budgeted Cost $976 $976 $992 $994 $1,006 $1,006 $1,006 $1,006 $1,000 $1,000 $0 $0 Variance $498 ($368) ($456) ($497) ($747) ($600) ($438) ($1,818) ($1,523) ($1,425)

Budget Comparison PEPM

41%

51%

2% 6%0%

Combined Plan Expenses

Medical Claims

Pharmacy Claims

Administrative Fees

Stop Loss Premiums

Financial Monitoring Report - Aggregate Stop Loss

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

Total PEPM

Subscribers 1,194 1,201 1,204 1,206 1,191 1,187 1,190 1,192 1,187 1,186

Aggregate Stop Loss Actual Net Paid Claims $494,831 $683,714 $640,242 $838,828 $814,720 $778,689 $719,070 $1,116,042 $1,126,258 $1,204,680 $8,417,073 $705.07 Aggregate Attachment $998,982 $1,004,844 $1,007,356 $1,009,031 $996,470 $993,121 $995,633 $997,308 $993,121 $992,283 $9,988,149 $836.67 Aggregate Attachment vs.

Aggregate Claims 49.5% 68.0% 63.6% 83.1% 81.8% 78.4% 72.2% 111.9% 113.4% 121.4% 0.0% 0.0%

*Pharmacy claims data pending access to ESI.

Dec-24Nov-24Oct-24Sep-24Paid Month Jun-25May-25Apr-25Mar-25Jan-25 Feb-25 Year-to-Date

84.3%

11,938

Aug-25Jul-25

$0

$2,000,000

$4,000,000

$6,000,000

$8,000,000

$10,000,000

$12,000,000

$14,000,000

Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25

Aggregate Attachment vs. Aggregate Claims

Actual Net Paid Claims Aggregate Attachment Minimum Annual Attachment

Financial Monitoring Report - Large Claimants over $50,000

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

1 Baptist ACO $0 $0 $0 $0 $131,548 $15,592 $52,481 $24,982 $13,352 $7,066 $245,020 $45,020 2 Baptist ACO $0 $0 $0 $0 $0 $0 $112,717 $25,120 $10,385 $7,564 $155,786 $0

3 Open Access

HSA $0 $0 $0 $0 $0 $0 $0 $0 $0 $133,794 $133,794 $0

Total $0 $0 $0 $0 $131,548 $15,592 $165,198 $50,102 $23,737 $148,424 $0 $0 $534,600 $45,020 % of Gross Claims 0.0% 0.0% 0.0% 0.0% 1.8% 0.2% 2.2% 0.7% 0.3% 2.0% 7.2% Claimants above $200,000 0 0 0 0 1 1 2 2 2 3 0 0 3

Note: Large Claimant data does not include runout data from UHC.

Expected ReimbursementClaimant TotalAug-25Jul-25Jun-25May-25Apr-25Mar-25Feb-25Jan-25Dec-24Nov-24Oct-24Sep-24Plan

Financial Monitoring Report - Large Claimants over $50,000-Diagnosis

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

1 EE Baptist ACO Paroxysmal Atrial Fibrillation $245,020 $45,020

2 CH Baptist ACO Restricted Diagnosis $155,786 $0

3 EE Open Access HSA Sepsis, Unspecified Organism $133,794 $0

Note: Large Claimant data does not include runout data from UHC.

PlanRelationshipClaimant Expected ReimbursementTotalDiagnosis

Total $45,020$534,600

Top Drugs by Amount Paid

Reporting as of June 30, 2025 Carrier: Aetna/ESI Specific Deductible: $200,000 Contract Type: 24/12 Plan Year: 9/1/2024 - 8/31/2025

Rank Drug Therapeutic Class Brand / Generic # of Claimants

# of Scripts

Amount Paid

Amount Paid / Rx

% of Total Paid Rx

1 MOUNJARO DIABETES Single Source Brand 49 326 $364,381 $1,118 11.2%

2 AUGTYRO CANCER Single Source Brand 1 6 $180,041 $30,007 5.5%

3 SKYRIZI INFLAMMATORY

CONDITIONS Single Source Brand 3 8 $179,023 $22,378 5.5%

4 OZEMPIC DIABETES Single Source Brand 34 140 $172,117 $1,229 5.3%

5 REVLIMID CANCER Single Source Brand 1 10 $159,461 $15,946 4.9%

6 KESIMPTA PEN MULTIPLE SCLEROSIS Single Source Brand 2 14 $133,332 $9,524 4.1%

7 VORANIGO CANCER Single Source Brand 1 3 $125,387 $41,796 3.8%

8 VERZENIO CANCER Single Source Brand 1 10 $121,764 $12,176 3.7%

9 HUMIRA(CF) PEN INFLAMMATORY CONDITIONS Single Source Brand 2 21 $115,377 $5,494 3.5%

10 TRIKAFTA CYSTIC FIBROSIS Single Source Brand 1 8 $93,878 $11,735 2.9%

Total 546 $1,644,760 $3,012 50.4%

This analysis is for illustrative purposes only, and is not a guarantee of future expenses, claims costs, managed care savings, etc. There are many variables that can affect future health care costs including utilization patterns, catastrophic claims, changes in plan design, health care trend increases, etc. This analysis does not amend, extend, or alter the coverage provided by the actual insurance policies and contracts.

Please see your policy or contact us for specific information or further details in this regard.