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SEGMENT INFORMATION
 3 Months Ended
Mar. 31, 2025
Segment Reporting [Abstract]  
SEGMENT INFORMATION SEGMENT INFORMATION
We operate in one reportable segment. Our chief operating decision maker for segment reporting purposes is our CEO, who uses the profitability and significant expense detail to allocate resources and assess performance based on key functions such as customer acquisition, customer service, and indirect costs.
The primary measure of profit or loss that the CEO uses is net income. The significant expenses used in these profit or loss reports align with the primary functions of the corresponding teams, with the exception of non-cash expenses such as depreciation, amortization and stock-based compensation as these expenses are not necessarily indicative of our ongoing operations. In this expense reporting methodology, overhead-type expenses, such as facilities and technology support for colleagues, are classified consistent with the primary function of the corresponding teams and not allocated to other significant expenses.
The table below provides the primary measure of profitability and detail regarding the significant expenses reviewed by our CEO.
 Three Months Ended March 31,
(in millions)20252024
Professional service revenues
$209 $214 
Insurance service revenues
1,065 1,050 
Interest income18 18 
Total revenues
1,292 1,282 
Workers' compensation costs23 21 
Health insurance costs919 886 
Sales & marketing60 65 
Client support costs43 48 
Corporate administration35 38 
System support & development52 46 
Depreciation and amortization of intangible assets
17 18 
Stock based compensation13 20 
Other (1)
1 — 
Interest expense, bank fees and other14 16 
Income Taxes30 33 
Net Income85 91 
(1) Other includes certain costs that are considered non-recurring such as restructuring costs.