Question-and-Answer Session
Thank you. [Operator Instructions]. We will go first to Charles Boorady with Citi.
Charles Boorady - Citigroup
Thanks. Good morning and I really appreciate the comments on the state of the industry as you see them as well. A question on Group Medicare Advantage, can you update us on how the process of enrolling the upcoming group is? Do you foresee it being postponed again, and what impact that has from a cost standpoint as you are enrolling those lives? Might you see higher admin expenses in that quarter? And then also in Group MA what the backlog looks like and if you can comment on why more employers haven't jumped on the opportunity faster?
Dale B. Wolf - Chief Executive Officer
Do you have any more you want to add to that, Charles?
Charles Boorady - Citigroup
It's all on Group MA.
Dale B. Wolf - Chief Executive Officer
Okay. Let me try to take those. First, on the enrollment of the Pennsylvania business, it's actually gone really well. I mean, I won't bore you with the details, but we've got a pretty-honed process there of account management and installation enrollment kind of stuff. ID cards are already in the hands of most if not all of the people who are to be enrolled, and I think there is near zero chance that it will be delayed again. It's going to be implemented on May 1.
In terms of expenses that might create, I don't even think you'll see a blip on the radar for that, so don't look for any. Certainly, we've spent some money, but it's more like soft dollars than hard dollars, and it's not that big a deal. In terms of -- but I do want to caution you. I don't know if Shawn wants to follow up on this. Obviously, it's a pretty big piece of business and as a group account, it should have a higher expected loss ratio than the average of our current private fee business, so just don't be surprised by that. And I'm sorry, forgot the last one.
Charles Boorady - Citigroup
That's in your guidance?
Shawn M. Guertin - Executive Vice President and Chief Financial Officer
Yes, we've worked that into the guidance, right.
Charles Boorady - Citigroup
Then also related to Group MA, just what you see is the backlog? Why more people haven't jumped on it?
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