XML 123 R17.htm IDEA: XBRL DOCUMENT v3.25.2
SEGMENT INFORMATION
 6 Months Ended
Jun. 30, 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.
 Six Months Ended June 30,
(in millions)20252024
Professional service revenues
$381 $400 
Insurance service revenues
2,113 2,090 
Interest income36 35 
Total revenues
2,530 2,525 
Workers' compensation costs39 17 
Health insurance costs1,850 1,806 
Sales & marketing119 127 
Client support costs86 95 
Corporate administration73 75 
System support & development100 93 
Depreciation and amortization of intangible assets
34 37 
Stock based compensation31 38 
Other (1)
3 — 
Interest expense, bank fees and other29 32 
Income Taxes44 53 
Net Income122 152 
(1) Other includes certain costs that are considered non-recurring such as restructuring costs.