BENCHMARKS REPORT

Industry Measure: Business Segment Data
| SIC: | 6321 |
| INDUSTRY: | ACCIDENT AND HEALTH INSURANCE |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 27 |
|
1997 SALES FOR THE INDUSTRY: $ 45436 (Total Sales in $Millions) |
|
OPERATING MARGIN: 8.8 (Allocated Operating Profits (divided by) Segment Sales) |
|
ASSET INTENSITY: 461.1 (Allocated Assets (divided by) Segment Sales) |
|
SALES GROWTH: 12.5 (Compound 3-Year Growth Rate in Sales for the Median Participant in the Industry) |
| BENCHMARKS FOR THE TOP FOUR COMPETITORS |
| ROA: Allocated Operating Profits (divided by) Allocated Operating Assets |
| Competitor/Rank by Sales |
Market Share (% Ind. Sales) |
ROA |
| #1: AETNA INC |
28.4 | 5.3 |
| #2: AFLAC INC |
15.3 | 2.3 |
| #3: HARTFORD FINL SVCS GRP INC |
10.3 | 0.5 |
| #4: LOEWS CORP |
9.1 | 2.1 |
| Total of #1-4: | 63.1 | 1.9 |