Assume that a large deductible plan applies to a Workers Compensation policy for Moderna as follows:

• A per person deductible of $100,000
• A per accident deductible of $250,000
• An annual aggregate deductible of $750,000

Seven employees are injured in a single year and note where multiple employees were injured in a single accident. Please complete the table below showing the cost of losses for each employees loss to Moderna:

Accident #	Employee #	Amount of Loss	Amount of Deductible paid by Moderna
1	1	$180,000
1	2	$100,000
2	3	$75,000
2	4	$150,000
3	5	$125,000
4	6	$100,000
5	7	$80,000

Observations: What is positive or negative about this choice of a deductible plan? Do you think that the actual losses met Modernas expectations? Why yes or no?