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2016 Premiums <br />• $194,420 <br />due <br />to <br />age <br />2016 <br />Actual <br />= 1.12% <br />Premium <br />• ($187,803) <br />to <br />2015 <br />2.40% <br />Actual <br />Premium <br />$ 6,617 3.52% Increase <br />• Increase <br />due <br />to <br />age <br />of group <br />= 1.12% <br />• Increase <br />due <br />to <br />other factors = <br />2.40% <br />