Exhibit 48 - Cal Yr 2024 City of Miami CIGNA Dental Experience.xlsx

This document is a monthly healthcare detail experience report for a dental insurance contract with the City of Miami, covering calendar year 2024. The report provides a comprehensive monthly breakdown of dental insurance claims and subscriber data for CIGNA, detailing in-network and out-of-network claims, billed premiums, total subscribers, and total members from January through December 2024.

The financial metrics reveal consistent monthly dental insurance coverage with total annual claims of $965,136, spanning in-network claims of $584,633 and out-of-network claims of $380,504. The total annual billed premium is $1,088,435, with subscriber numbers ranging between 1,251 and 1,272 and total member counts between 2,432 and 2,470 throughout the year. The report appears to be part of a prospective guaranteed cost rating type for the City of Miami's dental insurance experience, potentially related to a broader Request for Proposals (RFP No. 2130386) for an Employee Health Benefits Plan in Florida.