The total number of members (policyholders) as of the current quarter.

Expense Ratio

The ratio of overhead expenses as a percentage of premiums collected, calculated from the annual report, and answers the question: How many cents is the company paying out in executive salaries, agents’ commissions, and other administrative expenses for every dollar in premiums that it collects from policyholders? A low expense ratio is good for both the company and its policyholders because it means that the company is efficient and can utilize more of each premium dollar to pay claims. A high expense ratio is a bad sign because it signals that too much of the company’s premiums are being used for things which do not directly benefit its policyholders.

Weiss Ratings