
EXHIBIT 3.4
Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003; KPMG Survey of Employer-Sponsored Health Benefits: 1989, 1996, 1998.
* Estimate is statistically different from the previous years shown at p‹0.05: 1989-1996, 1996-1998, 1998-2000, 2000-2002, 2002-2003.
^ Estimate is statistically different from the previous year shown at p‹0.1: 1989-1996, 1996-1998, 1998-2000, 2000-2002, 2002-2003.