CorVel Corporation 2005 Annual Report and Form 10K Insight. In Touch. M AR KE TS CorVel offers industry leading healthcare management and information technology in the workers’ compensation, group health and auto insurance markets. Insight. SE RVICES We make sure the appropriate treatment is delivered and that it is delivered efficiently via our care management and network solutions programs. The Company continued its investment in new services and new technology, consistent with our philosophy of continuous improvement. President’s Message We are happy to have put last year behind us. Conditions impacting the end of fiscal 2004, extended through fiscal 2005. During the year workers’ compensation industry claims volumes continued to decline. The impact of law changes in California and Colorado significantly reduced CorVel revenue in each state. Although conditions in the workers’ compensation claims market remain depressed, the national economy continues to expand, creating an ever-improving labor market. Despite a difficult year, the Company continued its investment in new services and new technology, consistent with our philosophy of continuous improvement. Although workers’ compensation insurance premiums rose again in the last year, claims volumes were lower than in the previous year. In the past, claims have increased when the economy has been at or near full employment. The Company estimates that the combination of the weak labor market, changing state laws, strong productivity gains and improving loss prevention has created diminished claims volumes. In addition, regulatory changes for public companies and other governmental activities added to the cost of doing business. Times such as these encourage us to examine our strategies, plans and operating methods. During the year we worked on three projects focused on improving operating efficiencies. The first of these was the implementation of the newest version of our MedCheck line of medical review software. During the prior year our field operations converted from a legacy medical review system to a web-enabled version. This last year we implemented document management, requiring substantial changes to our operations workflow. We converted most of our processing to incorporate scanned images and Optical Character Recognition. During the year we incurred the cost to implement and operate the new processes, without the related benefits. During the current year we expect to begin benefiting from the new technology. Secondly, we have expanded our medical review product line, and the use of artificial intelligence tools to help manage workflow. Rules engine technology, together with the expanded service line, has allowed CorVel to achieve improved outcomes and customer service. During the current year the implementation of these improvements will extend throughout the Company’s office network. As the new processes mature, we expect to further capitalize upon the use of workflow management. The third project involves the balancing of internal resources to the reduced industry claims volumes, as well as increasing prices for some services. Sudden changes in the work volumes in California and Colorado caused imbalances in our workforce, and the resulting adjustments took some time to implement. In addition, we are matching prices for some services to the underlying costs as well as to the value added offered by these services. Increasing nursing salaries have impacted our costs for such services. We expect these changes to gradually return our field margins to more normal levels. We continue to see opportunities to extend the Company’s record of growth. Investments in technology, as well as in new services, continued in fiscal 2005. A second data center was completed to address business continuity exposures, and our primary center substantially expanded and enhanced. We are continuing the conversion of our applications to new computing and software infrastructure technologies. Substantial advances were achieved in the Company’s MedCheck and CareMC software. These applications meaningfully differentiate CorVel in the marketplace. Our organization has distinguished itself in the difficult environment of the last couple of years. Our record has exceeded that of other industry participants. The strength and stability of the CorVel team has been increasingly visible to customers. I’d like to thank all the CorVel associates for delivering when the going got tough. The pace of change in our industry continues at a high rate. Our investments this last year position the Company to continue expanding its role in the disability management marketplace. Gordon Clemons President and CEO The strength and stability of the CorVel team has been increasingly visible to customers. Board of Directors Corporate Officers Gordon Clemons Chairman Tom Benson VP, Information Systems Steven J. Hamerslag Director Gordon Clemons Chairman, President and CEO Alan R. Hoops Director R. Judd Jessup Director Don McFarlane VP, Information Technology Sharon O’Connor Director, Legal and Human Resources Jeffrey J. Michael Director Richard Schweppe Chief Financial Officer and Secretary Associates Janet Aalto-Reno Robin Aasheim Melody Abarca Nicole Abdallah Andrew Abela Memana Abraham Leah Abramovich Robin Accoo Carla Adams Cindy Adams Glenda Adams Karen Adams Kimberly Adams Lannette Adams Patricia Adams Patricia Adams Robin Adams Cathy Aden Fred Adge Vijay Agrawal Stacy a Denise Ahlstedt Heather Aistrop Leah Alcorn Rachel Alden Diane Alexander Helen Alexander Virginia Alford Ellen Alldredge Dana Allen Jane Allen Lisa Allen Mickael Allen Rhonda Allen Vanessa Allen Luz Almanza Mike Almquist Brian Aloi Felissa Alonzo Kelly Altares Kari Altman Ninfa Alvarado Chona Alvarez Phil Amadio Charis Amador Sonya Amaker Elaine Amber Mary Jo Andersen Barbara Anderson Deborah Anderson Eric Anderson Heather Anderson Kyle Anderson Leslie Anderson Rowena Anderson Sara Jane Anderson Sharon Anderson Sonya Anderson Stacie Anderson Dennis Andrade Carrie Andrews Jane Andrews Judy Anti Madeline Antuna Lee Anzaldi Kathleen Aquillo Daniel Aragon Barbara Arduino Kathy Arens Janyse Arfsten Judy Arlund Crawford Armstrong Janeen Armstrong Karen Arndt Elizabeth Arnsdorff Mary Aronson Angela Arrowood Amanda Arthur Vivian Arzola Sue Ashley-Lakin Chris Ashton Eldon Ashton Janae Aston Jerad Atherton James Atkins Karen Attaway Trena Atteberry Ernest Attwell Nitza Atz Denise Ault Kristie Averitt Sherri Ayers Shelley Ayres Shannon Babb Andrew Babbitt April Baca Brandi Baca Billie Bacon Tami Baden Jeffrey Baer Marilyn Bahret Irene Baide Altah Bailey Georgia Bailey Danielle Baker Dena Baker Jacqueline Baker Kathleen Baker Linda Baker Maggie Baker Stephen Baker Teresa Baker Ylonna Baker Adrian Bala James Baldwin Sharon Baldwin Carolyn Ballard Donna Balzer Sonia Bambino Tracy Bandstra Mary Beth Bania Kimberly Banks Linda Banmiller-Hepburn Lorena Baptista Lois Baranowski Christine Barbella Jan Barchuk Dwight Bardot Lilia Barias Brandon Baricuatro Brenda Barker Kimberly Barner Karen Barnes Michelle Barnes Monica 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Nicholas Moran Rhonda Moran Maria Moreno Sandra Moreno Jill Morgan Joan Morgan Kent Morgan Linda Morgan Patricia Morgan Rachael Morgan Rebecca Morgan Robin Morgan Robyn Morgan Tammy Morney Claudia Morrell Joseph Morris Paula Morrison Rosemary Morriss Christina Morrow Jean Morrow Sonya Morton Daryl Mosbey Denise Mougin Susan Moxley Cheryl Moylett Carmen Muchacho Janet Mudek Kathrine Mueller Debra Muir Marilyn Mule’ Bridget Mundy Norma Munoz Patricia Munz Theresa Murkey Catherine Muroski Ann Murphy Patricia Murphy Patricia Murray Patricia Murray Shannon Mutz Curt Muyres Alexander Myachin Amy Myers Ann Myers Debora Myers Elizabeth Myers Gretchen Myers James Myers Joyce Myers Bryce Myngheer JACK NICHOLS Deborah Nachman Joanne Nadeau Amy Nakayama Jeanne Napier Gracemarie Napoles Farah Nasser Stephanie Nault Janet Nauman Mark Nava Anthony Navarro Theodore Neale Cynthia Neary Beverly Negrete Joanne Nehls Lee Neidhart Ashley Nelson Cathy Nelson Deborah Nelson Gary Nelson Melissa Nelson Qiana Nelson Rue Nelson Beth Nemeth Nancy Newberry Merissa Newell Dana Newinsky Vicki Newmaker Gwendolyn Newsom Andrew Newton Diane Newvine Diane Nghiem Jacklyn Ngo Johnny Ngo Vivian Ngo Carolyn Nguyen Dung Nguyen Johnny Nguyen Sam Nguyen Lorraine Nicholas Philip Nichols Tammy Nicol Mark Niedert Ruth Ann Niedert Cherrie Nielsen Therese Nielsen Debra Nieto Moises Nieves Joanne Niglio Nick Nilan Stephanie Nimblett Deborah Nix Stephen Nolan Eric Norful Michael Norman Nancy Norris Jo North Amie Norton Kathryn Norton Denise Nostin Debra Novak Tim Nowlin Melissa Noyes Rhonda Nubbie Nimfa Nuestro Kathy Nultemeier Keitha Nunn Peggy Nyman Linda O’Bayley Brandon O’Brien Christine O’Brien Erin O’Brien Richard O’Brien Robert O’Brien Eileen O’Connell Diane O’Connor Cheryl O’Dell Judith O’Donovan Colleen O’Halloran Lisa O’Hehir Tina O’Leary Karen O’Neill Patricia O’Riley Karen O’Rourke Derick O’Sullivan Rose O’Sullivan Kimberly O’Toole Jaime OBrien Edith Ochoa Tania Ochoa Sandra Olesen Chrisinda Oliphant Sharon Ollie Heather Olmsted Leslie Olmsted Samantha Olmsted Helen Olsen Michele Olsen Paulette Olsen Joyce Olson Kimberly Olson Clifford Omstrom Don Opgenorth Grecia Oquendo Maria Ores Gloria Orme Gail Ormiston Cathy Orr Mayra Ortiz Robert Ortiz Susan Orzolek Elizabeth Osborn Patricia Osorio Lauren Ott Julie Overcash Treva Overstreet Trenton Owen Jessica Owens Marcia Owens Tanna Owens Gail Pacifico Pamela Padgett James Pagel Joanne Palladino Debra Palmer Joel Palmer Joel Palmer Linda Palmer Darneen Pang Tracy Paquette Cristina Paralejas Erika Parker Patricia Parker Ann Parody Mary Parrinello Arlene Pascua Christina Passmore Heather Passwater Maria Patag-Galang Frances Pate Rajesh Patel Patricia Patrick Ginger Paulk Dawn Payne Diane Payne Michael Payne Michelle Peaceman David Peavy Roxie Pedroli Aurora Pedroza Juan Pedroza Manuel Pedroza Karla Pedroza Silvia Pedroza Twila Peitz Felecia Pellam Brandi Pelletier Sarah Pelzl Julie Pena Mary Pena Michael Pena Tawn Pena Connie Pendley Marjorie Penebacker Lucinda Perey Dina Perez Rose Perez Tina Perran Lisa Perseo Hazel Peterson Jeannie Petrie Jaime Petrjanos Charles Pettry II Shannon Petty Paula Pezzano Corrina Philips Donna Phillips Peggy Phillips Jill Phinny Pane Phomphak Linda Pica Kelly Pickell Debe Pickering Don Pickering Fabio Pico Henry Pierce Michelle Piercy Kristen Pierson Sharyn Pimpinella Gladys Pinover Mary Pinto Anne Piper Pamela Piper Amber Pippen Sharon Pitts Laura Pivonka Saundra Piwinski Frankie Placide Jane Plimack Christine Plowman Craig Plyer Linda Poche Silvia Poe Jennifer Poissant Ellen Poleski Marianne Polkowski-Burns Jodi Polston John Pompei Patricia Pomper Elia Ponce Carol Poniewaz Dorine Poole Carletta Pope Gene Pope Jr Deborah Popovich Randy Porco Michelle Porter Tamora Posey Susan Post Caroline Potter Paula Poulin Stacy Povlin Kathleen Powell Lori Powell Phonsa Powell Sandra Powell Toni Powell Ashley Powers Gloria Powers Kate Powers-Plewe Vasantha Prammagnanam Anna Prather Cynthia Pratt Teresa Preiss Elizabeth Prestin Gary Price Lhiquita Price Lou Price Teresa Price Mary Prideaux Cynthia Pritchard Diane Pritchard Cristina Procita Debra Proctor Marcellas Proctor Arlene Propst Karen Pruessen Paula Pruitt Yvette Pryor Dominika Pukay Susan Putica Jake Putzler Abdulla Qudrat Nooria Qudrat Blanca Quiles-Marrero Connie Quinn Elizabeth Quinn Melissa Quinn Theresa Rabinek Susan Radzvickas Julie Ragsdale Jennifer Raiche Marilyn Raines Constance Raines-Kriese Patricia Raisor Ganesan Rajaraman Rosalva Ramirez Lawrence Ramos Alice Randall Julie Randleman Tonya Rao Brandon Rascoe Venice Rashford Nicole Rasmussen Tina Rattigan Roger Rawlings Melissa Rayman Thelma Raymond Dale Rea Margaret Reagan Kasandra Rector Jeffrey Redifer Lisa Redifer Elizabeth Reed Robert Reed Marca Reese Valerie Reese Rebecca Reeves Carmela Rega Whitney Rehm Darrin Reichle Reka Reichle David Reid Leslie Reid Melissa Reillo Marilyn Reimann Cheryl Reineck Karen Reinhardt Karen Reinhart Betty Reither Mary Renaud Michelle Renfrew Tina Renfro Mary Rennich Brian Renshaw Ellen Rensklev Connie Ressler Valerie Resta Eleanor Reyes Hortensia Reyes Valerie Reyes Heather Reynolds Stephanie Reynolds Aracely Reynoso Gail Rheaume Melissa Rhoads Nina Rhodes Joel Rhyner Susan Rice Sharon Ricely Jennifer Rich Aaron Richard Charlene Richardson Erin Richardson Jennifer Richardson Mecarlo Richardson Tina Richardson Shirley Rickert Katrina Rico Kristina Riener Jane Rife Lauren Riggs Judith Rinderle Judith Risley Frances Rittenhouse Rebecca Riva Guadalupe Rivales Bianey Rivera Irene Rivera Moses Rivera Nancy Rivera Maritza Rivero Patricia Roark Velisa Robbins Carol Robert David Roberts James Roberts Jennifer Roberts Nicole Roberts Phyllis Roberts Valerie Roberts Crystal Robinson Lisa Robinson Racquel Robinson Blanca Robles Theresa Rocca Kathleen Roche Stephen Roddam Brenda Rodefer Leonora Rodrigues Elizabeth Rodriguez Sylvia Rodriguez Maritza Rodriguez De Perea Janet Rogers Mendy Rogers Elena Rojas Micheline Rojas Claude Roloff Shari Romain Hortensia Roman Leanna Roman Nicholas Romano Evelyn Romero Marie Romero Carlton Rood Kimberly Roque Leticia Rosales Melanie Rosario Mildred Rosario Connie Rose Laura Rosenbaum Marina Rosenfield Mindy Rosenzweig Mary Rossi Robin Roth David Rothwell Vicki Rottman Janine Roybal Susan Rozell Janet Rubo Malin Ruffino Michelle Ruhkala Mary Ruikis Dena Ruiz Angela Rush Michon Russ Amy Russell Barbara Russell Burnis Russell Paul Russell Joan Russett Heather Rutz Mary Ruvalcaba Janice Ryals Terry Ryan Patty Rybicki Roger Ryon Donna Saba Lisa Sabye Pamela Sakai Theresa Salcedo Amanda Saleh Kadih Salman Patricia Samuels Jennifer Sanbet Florence Sanchez Mabel Sanchez Tina Sanchez Veronica Sanchez Cathy Sanders Rose Sanders Therese Sanders Aril Sandoval Marla Sands Lauren Sanford Chasta Sanneman Susannah Santangini Eric Santiago Maria Santiago Dan Saraz Alicia Saucedo Teresa Saunders Michael Saverien Patricia Scalero Pamela Scalf Blanche Scalise Dina Schaeffer Yvonne Schautteet Victoria Scheckel Mary Scheel Nicole Schell Aaron Schenck Avishai Schermerhorn Katherine Schiebe Janet Schiell Teresa Schliem Elaine Schmidt John Schmidt Mary Schmit David Schmitz Deborah Schmollinger Cindy Schopfer Debbie Schreck Colleen Schreier Marie Schroeder Ming Schu Alicia Schubert Pamela Schubert Mary Ann Schuerman Tina Schultz Laura Schumacher Rhonda Schutz Dana Schwartz Joann Schweigert Richard Schweppe Dwanda Scott Kelly Scott Kristy Scott Linda Scott Sarah Scott Zefyr Scott Greg Scovel Shugie Scroggin Mary Ann Scudamore Kimberly Scurlock Lisette Seagers Charles Sears Elizabeth Sedillo Elisa See Dquence Self Robert Seliskar Tracy Sellers Margaret Sender John Sendlosky Betty Seng Veronica Serrano Melissa Sessions Carlos Severe Marcelin Mary Sevinsky Angela Sewell Scott Sexton Sherry Shaffer Meghana Shah Mukundray Shah Amy Shapiro Lisa Sharkey Renu Sharma Ashley Sharp Krista Sharp Sheryl Sharp Lynda Shave Dylan Shaw Lynn Shaw Tina Shearer Beverly Sheetz Diane Shefveland Allison Sheldon Brenda Sheppard Mary Sherman Matthew Sherman Kristine Sherrard Susan Shewczyk Sheila Shidlofsky Virginia Shields Griselle Shinker Margaret Shinn Angela Shipp Maxim Shishin Shahrooz Shomali Lila Shores Pamela Shores Sandra Short Marilyn Showalter Jerald Sia Katherine Siegel Lorraine Siegel Michael Sifuentez Jolene Silbernagel Lisette Silva Nicole Silva Toni Silva Christopher Simants Christine Simler Kevin Simler Shena Simmonds Mary Sue Simmons Patricia Simmons Joe Simpkins Carol Simpson John Simpson Liliana Sinclair Susan Sineni Kelly Sink Kathleen Sinn Charlene Siplin Kimberly Siudy Catherine Siver Elizabeth Sizemore Mirela Skaka Catherine Skebo Crysten Skebo Lesley Skipper Deborah Skoglund Judith Slattery-Walker Richard Slavin Dolores Slavis Heidi Slewett Lois Sloan Mary Sloan Jane Smerdell Andrea Smith Arlyce Smith Catherine Smith Christina Smith Connie Smith Debbie Smith Debra Smith Diana Smith Emmely Smith George Smith Jean Smith Jennifer Smith Kelly Smith Kimberly Smith Lisa Smith Lisa Smith Lisa Smith Margaret Smith Margaret Smith Matthea Smith Matthew Smith Michael Smith Nancy Smith Robbin Smith Rusty Smith Sharon Smith Tamara Smith Vera Smith William Smith Julia Smythe Chiquita Sneed DeJuana Sneed Nanisa Snooks Anthona Snyder Robert Snyder Sherry Snype Nanette Soccino Anita Solano Maria Solis Traci Solt Margaret Sommers Mina Song Lisa Sonka Robbin Sonnenberg Adele Spacher Linda Spade Lindsy Spain Rebecca Sparger Jayne Sparks Alma Spence Karen Spence Scott Spencer Scott Spencer Cathleen Spradley Deborah Sprague Pam Srur Pamela St. Clair Patricia Stahl Darren Stahulak Mary Stallworth Lisa Startt Lori Staup Kathy Steadman Deborah Stears Deborah Stebnitz Laura Steckbauer Mary Steffen Latonya Stegall Anna Steinberger Lindy Steiner Tasha Steinkamp Sharon Stepantschenko Philip Sterling Jodi Stern Bodee Stevanus Gregory Stevens Harriett Stevens Stephanie Stevens Lynn Stevens-Mitchell Blair Stevenson Gayla Stewart Juanita Stewart Ty Stewart Nancy Stickley Susan Stier Jody Stigar Donald Stobo Mary Stouch Phillip Stowers Ryan Stradley Paula Straka Dani Strange Penny Stratton Katherine Stroh JoAnne Strong Amy Stroud Linda Stroud Michael Struble Darla Strzesynski Gracie Stubblefield Charlie Sturek Margaret Stutsman Patricia Styles Hilda Suarez Suriyakumar Subrahmanjan Jungsheem Suh James Sullivan Winifred Sullivan Traci Summers Nandakumar Sundaresan Sara Sundborg Margaret Sutherland Steven Sutherland Nancy Swaim Courtney Swartwood Monique Swartz Michele Swearingen Kimberly Sweeney Patrick Sweeney Georgiana Sweetwater Barbara Swift Tracy Swift Margaritt Swinney Wendy Sykes Larry Symanski Valerie Szelung Stephen Szuchy Kimberly Szweda Duane Szymanski Michelle Szymczak Renee Tackett Michelle Tafoya Sara Taggart Renee Taitt Alice Taniguchi Joyce Tanzillo Myrna Tapounet Irina Tarasenko Angela Tarquinio Audrey Tart Maryann Tartamella Ester Tataje Evelyn Tataje Christine Tatom Colleen Tatom Lynda Taube Jean Taylor Laura Taylor Pamela Taylor Trina Taylor Shirley Teders Gayle Tedford Luan Teh Joseph Teixeira Debra Teresi Aruna Tetali Mary Tevlin Michelle Thane Vicki Theobald Christopher Thomas Damon Thomas Julie Thomas Karen Thomas Lakeesha Thomas Sonja Thomas Dana Thompson Katherine Thompson Mandie Thompson Tracy Thompson Yvonne Thompson Daniel Thunder Linda Thurman Tamica Thurman Cynthia Tidwell Anne-Marie Tierney Douglas Tierney Carla Tierno-Hogue Debra Tillhof Deborah Tillman Pamela Tillman Dayna Timmins Nancy Timura Maureen Tinker Patricia Tirado Joseph Tirinzoni Shirley Tirone Lynda Tobolski Elizabeth Tocarciuc Lisa Tokich Laura Tolbert Haley Tolman Meghan Tolman David Tompkins Holly Tompkins Robert Tompkins Deborah Toole Linda Torok Bertha Torres Noreyma Torres Maria Torres-Cox Pamela Tortorici Lisa Tortoriello Ronald Toth Danielle Tovar Teresa Tracy Mihaela Trambitas Christine Tran Dung Tran Gina Tran Hung Tran Huy Tran Kim Tran Steven Tran Thang Tran Mary Traver Susann Traxel Roberta Treakle Courtney Trinh David Trinka James Trippe Malgorzata Trojanowska Marsha Trosper Anthony Trotter Rebecca Troup Paul Troyer Sharon Trudeau Deandra Trujillo Jessica Trujillo David Tucker Andrea Tugander Janice Tuggle Alisa Tunstall Elizabeth Tupper Amanda Turco Norma Turkalp Denise Turner Gayle Turner Martha Turner Nancy Turner Carol-Ann Tybeck Scott Tyler Tamara Tyler Lillie Tyson Lisa Tyson Erica Ugalde Karen Updegraff Corrina Urias Kathleen Vaden Dena Valentine Pamela Vales Rhonda Van Cleve Kim Van Kregten Rhonda Van Meter Ingrid Van’t Hof Margareth VanVeen-Smith Pang Vang Dee Vangavree Linda Vanseth Anastacia Varela Cynthia Vargas Sharonanne Vargo Bettina Varner Eleanor Varner Ellen Varner Alice Vason Amanda Vatter Julie Vaughan Beth Veeder Amy Vega Joan Vega Tricia Veit Stacy Velarde Linda Velasquez Gladys Velez Mary Veneman Thomas Vermilya Barbara Vernon Don Vidal Osvaldo Vieyra Bridget Villanueva Oliver Vipperman Kalounna Virachith Jeanine Visser Van Vo Melissa Vogelman Jennifer Vollmer Kathleen Volpe Christopher Von Arb Karen Von Reichmuth Betty Vosberg Blanche Vozzy Malisia Vrana Clostina Vrbka Truc Vu Donna Wade Gina Wade Lynette Wagner Margaret Wagner Sharon Wagner Stewart Abdul Wahid Chadwick Walden Marjorie Walden Joanne Waldron Cathy Walker Denina Walker Shayne Walker Keisha Walker Kenyon Walker Barbara Wall Julie Wallace Linda Wallerstedt Malik Walls Christopher Walsh Nancy Walsh Brittany Walters Karen Walters Mary Walters Erica Walton Eric Waraksa Leslie Warbrick Anna Warner Angela Warren Kim Washburn Beverly Washington Nelson Washington Sandra Wastler Debra Watkins Marcus Watkins Mary Watkins Tara Watkins Erin Watkinson Cindy Watson Daniella Watson Cheryl Wayman Veronica Weathers Anna Weaver Rebecca Webb Claude Weber Traci Webster Anne-Mai Wechsler Claudia Weeks Karen Weimer Linda Weimer Patricia Weimert Maryanne Weitzen Ashley Welch Donald Welch Melanie Welch Amy Wellman Beverly Wells Cathy Wells Susan Welsh Karla Welte Therese Welter Gonzales Wesley Shawn West Kathryn Westlund Kim Westman Patricia Weston Paul Wexler Lisa Wheeler Robert Wheeler Patricia Whisenant Cynthia Whisman Barbara White Holly White Jane White Joann White Laura White Lynne White Gordon Whitehead Lee Whitehead Marilee Whitehill Elizabeth Whiting Brad Whitley Danielle Whitney Dianne Whitworth Kristine Wieand Patricia Wiechecki Michele Wielde Julie Wierick Donna Wiggins Mary Wiglusz Ronda Wiles Debra Wilkerson Nicole Wilkins Carol Wilkinson Jonathan Wilkinson Nicole Willett Patricia Willett Amanda Williams Bernestine Williams Carolyn Williams Charlotte Williams Christina Williams Dainer Williams Eric Williams Holly Williams Katie Williams Kelly Williams Kerri Williams LaKendra Williams Ladonna Williams Lora Williams Lynette Williams Michael Williams Ophelia Williams Patricia Williams Renarda Williams Shannon Williams Shirley Williams Stephena Williams Wallace Williams Sherrie Williams-Leach Donna Willis Nina Willis Barbara Wilson Eileen Wilson Kathleen Wilson Kathleen Wilson Latashia Wilson Linda Wilson Linda Wilson Sabine Wilson Sherell Wilson Shirley Wilson Sean Wiltison Gregory Winchester Carol Winetrout Cathryn Winslow Candace Winter Stafford Winters Candy Winton Dawn Wipf Jackie Wisniewski Kathleen Witherell Ron Wojciechowski Craig Wolfe Linda Wonn Deborah Wood Anita Woodard Denise Wooden Linda Woodling Jennifer Woods Kellie Woods Michael Wooliver Judy Wootton Amitabha Worcester Jennifer Worth Donna Wright Kim Wright Laurie Wright Martha Wright Marvie Wright Randy Wright Shelley Wright Pat Wrobel Maricar Wuersch Gaylan Wykes Kathy Wynn Gay Wys Donna Wysocki Kia Xiong Sheila Yakymiw Richard Yamin Kathryn Yarbrough Lisa Yarish Don Yates Susan Yee-Loh Nawang Yehshopa Marjo Yelle Michelle Yermakov Lorna Yonan Judith York Stephanie Yost Brandon Young David Young Dawn Young Elizabeth Young Katherine Young Kristin Young Sersey Young Linda Young-Wade Pamela Youngblood Kathryn Yutsai Olga Zagreychuk Jessica Zamudio Melissa Zannis Robert Zapata Aaron Zatcoff Jacqueline Zaydel Jami Zdanowicz Troy Zenzen Jihua Zhang Yolanda Zieglar Kevin Ziehr Melissa Zientek Timothy Zimmerman Julie Zook Jynx Zorrilla Zach Zuehlke Trenee Zweigle Revenue (in millions) Annual Revenue Per Q4 Weighted Shares Earnings Per Share (in dollars) $305 291 283 236 210 187 166 142 122 109 $0 96 97 98 99 00 01 02 03 04 05 $28.27 28.25 25.71 20.88 18.15 15.57 13.46 11.25 9.01 7.74 $ 0 $1.50 1.48 1.30 1.13 0.98 0.97 0.84 0.73 0.61 0.53 96 97 98 99 00 01 02 03 04 05 $0 96 97 98 99 00 01 02 03 04 05 Cash (in millions) Return on Equity (%) Q4 Weighted Shares (in millions) 27.2% 25.2 23.9 23.8 22.7 22.5 20.5 18.8 13.1 14.1 13.5 12.6 12.3 12.0 11.6 11.3 11.0 10.8 10.3 96 97 98 99 00 01 02 03 04 05 0% 96 97 98 99 00 01 02 03 04 05 0 96 97 98 99 00 01 02 03 04 05 $17.1 15.7 12.6 9.5 9.1 8.9 8.4 5.7 5.6 $ 0 Corporate Address CorVel Corporation Corporate Address 2010 Main Street Suite 600 Irvine, California 92614 CorVel Corporation 2010 Main Street Telephone: 888 7 CORVEL Suite 600 Transfer Agent and Registrar Irvine, California 92614 U.S. Stock Transfer Corporation Glendale, California Telephone: 888.7.CORVEL Counsel Transfer Agent and Registrar Dorsey & Whitney, LLP Irvine, California U.S. Stock Transfer Corporation Glendale, California Independent Auditors Grant Thornton LLP Portland, Oregon Stock Symbol The common stock of CorVel Corporation is traded on the NASDAQ National Market System under the stock Counsel Form 10K Dorsey & Whitney, LLP Irvine, California Independent Auditors Grant Thornton LLP Portland, Oregon Stock Symbol The common stock of CorVel Corporation is traded on the NASDAQ National Market System under the stock symbol CRVL. CorVel Corporation Annual Report on Form 10K filed with the Securities and Exchange Commission may be obtained without charge by contacting: Investor Relations CorVel Corporation 2010 Main Street Suite 600 Irvine, California 92614 Telephone: 888.7.CORVEL www.corvel.com/ar2005 e-mail: investor_relations@corvel.com C US TO ME RS Leveraging our commitment to flexibility and personal service, CorVel delivers custom solutions for employers, insurers, third party administrators and government entities. In Touch. SY STEM S CorVel’s 3,000 associates in offices nationwide offer local expertise supported by national resources, processes, advanced technologies and systems. ® www.corvel.com