The Stakes: A non-profit distribution company with 450 employees was in dire straits. Their Experience Mod had hit a punishing 2.04, forcing them into the state’s “assigned risk pool” and triggering heavy ARAP surcharges.
The Investigation: The Advisor audited the loss runs and premium audit sheets. They found a chaotic paper trail: claims had been left open for four years with massive reserves, despite being inactive. There were duplicate claims for single injuries and multiple payroll misclassifications.
The Breakthrough: The Advisor centralized the process, appointing a specific HR contact to serve as the “Return-to-Work Coordinator.” They contacted the carrier to forcefully close the old claims and moved the company to a specialist carrier that understood the non-profit sector.
The Result: In less than one year, the Mod dropped from 2.04 to 1.46, saving $200,000 immediately. By year three, total premium savings topped $500,000, plus a $100,000 refund for prior inaccuracies.