Description: This report outlines the current wellness environment, the objectives of the wellness study and provides a summary of the overall study findings. This report is supplemented by the Research Summary Report, Survey Results, and Interviews with Researchers. This document includes a summary of key findings from each of the three phases.

Description: In this third phase, Sibson interviewed three researchers and actuarial modelers. The objectives of the interviews were to gain perspective on the conceptual model, model alternatives, methodology, and data sources.