Attachment J – Dental Claims and enrollment history.xlsx

This file contains dental claims and enrollment history data for Gloucester County Public Schools' dental insurance account (Account Number: 0227883) covering the period from December 1, 2023, through November 30, 2025. The document presents two primary datasets: enrollment figures broken down by coverage tier (Single, Two Party, Parent and Child, Parent and Children, and Family) and claims versus premium analysis for the same period. Enrollment data shows monthly contract volumes ranging from a high of 673 contracts in December 2023 to a low of 622 contracts in November 2025, with an account total of 15,664 contracts across all tiers during the coverage period. The Single tier consistently represented the largest enrollment segment with 8,009 total contracts, followed by Family tier coverage at 3,542 contracts.

The claims versus premium data reveals monthly premium payments totaling $950,705 against incurred claims of $769,418, resulting in an overall loss ratio of 80.93% for the 24-month period. Monthly loss ratios fluctuated considerably, ranging from a low of 60.17% in December 2024 to highs exceeding 100% in three months (October 2024 at 102.73%, July 2025 at 102.76%, and October 2025 at 106.43%), indicating periods where claims exceeded premiums paid. Monthly premiums remained relatively stable at approximately $39,000-$40,000 per month, while monthly claims varied between $24,116 and $40,931, reflecting the variable nature of dental service utilization across the member population.