Velcro Multi-Year Analysis – 5 Year Horizon 5 Year Cumulative Gain / (Loss) vs Expected Plan Cost and Fully Insured • After 5 years of self 14,000,000 Cost G/(L) vs Exp 35.0% funding, there is virtually no 12,000,000 30.0% F scenario in which there 10,000,000 G/(L) vs FI r would be a loss versus 5 8,000,000 25.0% e years of being fully insured. Likelihood 6,000,000 20.0% q • Half of the scenarios (red 4,000,000 u line) actually run less than 2,000,000 15.0% e expected in any given 5- - 10.0% n year period. (2,000,000) c 5.0% y (4,000,000) (6,000,000) 0.0% % of Expected 2023 EBS Services & Capabilities 55