Senior Business Analyst in Bank of Universe

You
are just hired as a Senior Business Analyst in Bank of Universe
(BOU). BOU is a private company founded twenty years ago and now has
more than 5,000 employees. BOU did all the research, chose the
insurance company, and picked plan options for employees twenty years
ago. The new CEO, Mr. Buffet, wants to make changes and offer
self-funded Health Plans (SHP) starting next year. SHP is cheaper for
BOU, since BOU does not have to pay for the separate insurance
carrier by taking some risks. BOU has received several years’ medical
costs in file insurance.csv from
the current insurance carrier.