A calibration study · 20 companies · free
Your experience mod, recomputed against your state’s filed rating values.
I build software that recomputes workers’ comp experience mods from first principles, and I’m running a calibration study: 20 contractors, free, to measure how often the bureau’s published mod actually reproduces from its own inputs.
Why yours might be worth checking
Since 2024, every state uses its own split point in the mod formula — and the values change with every annual filing. The mod is built from claim and payroll data that passes through three parties before it reaches you, and most contractors have never had anyone recompute it. If yours is over 1.00, or close to it, that’s bid eligibility riding on arithmetic nobody has checked.
The current filed split points in the study’s first states:
| State | Filed split point | Effective |
|---|---|---|
| Texas | $16,000 | 7/1/2026 |
| Illinois | $30,000 | 1/1/2026 |
| Louisiana | $40,500 | 5/1/2026 |
Values from each state’s approved rating-values filing, shown with their effective dates. These change annually — which is part of the point.
What you get back
- A full recompute of your mod against your state’s filed rating values — the same arithmetic the bureau’s worksheet claims to perform.
- Every number cited to its source page, so you (or your broker) can check each one.
- A plain-English memo of anything that doesn’t reconcile — which you or your broker can act on however you choose.
No fee, now or later. The study is how I calibrate the software, and honest results — including “your mod is clean” — are exactly what I need.
What it takes on your side
A signed one-page authorization (the exact text is below), plus four documents your office manager can pull in under an hour:
- Your current experience-rating worksheet
- Three years of loss runs (from your carrier)
- Payroll by class code for the same periods
- Policy declaration pages for the experience period
Loss runs are the long pole — carriers take one to three weeks — so that request is worth starting first.
I never contact your carrier or the rating bureau. I prepare analysis; you decide what to do with it — anything you choose to submit goes through you or your licensed broker.
The authorization, verbatim
Read it before you reply — this is the exact one-page text you’d sign, nothing more:
Authorization
I authorize Premwise to access the workers’ compensation experience-rating worksheet, loss runs, and related classification and payroll records for [Company Legal Name], from the applicable rating bureau and carrier, solely to prepare a premium-recovery analysis.
I understand that: Premwise prepares analysis and documentation only — I or my licensed broker submit any correction; Premwise makes no rating determinations, which are made by the rating bureau and carrier; my data is encrypted in transit and at rest, used only to prepare my analysis, never sold, and never used to train a model; I may revoke this authorization at any time.
☐ I am authorized to sign on behalf of this company.
Signature (typed full legal name — your typed name becomes your electronic signature): ______________ Date: __________
How your data is handled
- Encrypted in transit and at rest.
- Used only to prepare your analysis.
- Never sold.
- Never used to train a model.
- Revocable at any time — revoking halts processing.
Who’s asking
I’m Aaron Everson. I’m building Premwise — software that recomputes experience mods from the rating bureaus’ own filed rules and values. The software is tested against the bureaus’ own published worked examples; this study is how it meets real worksheets. That’s the whole pitch: you get a careful, cited recompute; I get calibration data.
Worth 15 minutes to see what the recompute says?
Reply by emailOne email starts it. I’ll send the one-page authorization so you can see exactly what it covers before deciding anything.