COBRA Administration Services

1. Background Metro currently has approximately 16,353 active employees, of which 15,178 are benefit- eligible with an annual employee turnover rate of 3.4%. As of July 1, 2026, Metro has 28 active COBRA continuants. COBRA election notices have been sent to 661 employees, with a total of 932 employees and dependents currently eligible to elect COBRA. Over the past twelve months, Metro has averaged approximately 50 COBRA qualifying event 7

RFQ GG000104 Proprietary and Confidential 9/10/2026 9:30 AM notices per month and five new enrollments per month. Metro currently offers seven benefit plans through four insurance carriers. Medical coverage includes a self-funded PPO and HRA administered by Cigna. Dental coverage includes Flexible and Limited PPO plans administered by BCBS Dental. Vision coverage includes Basic and Enhanced plans administered through National Vision Administrators (NVA). Metro also offers a medical FSA administered through TASC. Eligibility information is currently provided to the COBRA administrator weekly. Medical coverage is available at the single, employee plus child(ren), and family levels. Dental and vision coverages are available at the single and family levels. Metro benefits terminate on the last day of the calendar month for employees, with COBRA coverage beginning the first day of the following month. Metro also offers medical, dental, vision and life insurance to retired employees (retirees) and their dependents or survivors as well as former and/ or retired City Council members and their dependents or survivors. These members are billed directly for their required insurance contributions. As of July 1, 2026, there are 96 retirees and 46 current elected City Council members billed directly for their portion of insurance premiums. Additional information regarding Metro's current COBRA administration and direct pay services is included in the COBRA Background document attached to this solicitation. COBRA Administration Contractor shall be responsible for collecting COBRA premiums from participants and submitting the applicable payment, including the administrative fees for the Cigna PPO and HRA medical plans, directly to all insurance carriers. Employees who elect COBRA coverage are required to pay 102% of the applicable monthly premium or premium equivalent. Contractor shall submit a summary and detailed report monthly to Metro, which Metro shall use to reimburse Contractor for premiums paid to insurance carriers. Metro shall prepare the Annual Enrollment Guide and rates for COBRA participants. Metro finalizes Annual Enrollment materials by August 1. Annual Enrollment typically occurs over a two-week period in early October, with coverage effective January 1 of the following year. Contractor shall be responsible for distributing, including printing and mailing, the Annual Enrollment materials, providing participant election information to the applicable insurance carriers, processing elections and providing customer service. Direct Pay Services 8

RFQ GG000104 Proprietary and Confidential 9/10/2026 9:30 AM For most retirees, insurance premiums are deducted from their monthly pension check. Retirees whose pension payments are insufficient to cover their required contributions are billed directly. Contractor shall provide direct pay billing and premium collection services for retirees and former City Council members. Contractor shall provide participants the ability to make their payments online or through automatic deduction. Contractor's responsibilities shall be limited to billing and collection of premiums. Metro Human Resources will continue to manage the enrollment and eligibility for these participants. Questions and issues on direct pay billing services will be coordinated with Metro's Finance-Payroll department. Contractor shall adhere to the Direct Payment of Insurance Premiums Policy included as an attachment to this solicitation.