You should have received a mailing in the last week from FedEx Express Employee Benefits. Look on the second page inside the cover to read "The Summary Annual Report For Federal Express Corporation Group Health Plan". Paragraph 2 of "Insurance Information" reveals the following information: " The total premiums paid for the plan year ending May 31, 2012 were $33,913,039." Next, "Of the total insurance premiums paid for the plan year ending May 31, 2012, the benefits claims paid under such "experience-rated" contracts were $746,652 and the total benefit claims charged under the experience-rated contract during the plan year was $371,757". Draw your own conclusions.