Your annual premium is between $100,000 and $750,000.

Within the last three years you have had a merger with another firm or your operations have been expanded into new states.

A few years ago the NCCI or your state's rating bureau responded to a question or complaint. Unfortunately, their decision was not favorable.

The effective date of your policy differs from the effective date of the experience modification. 

Your policy's modifier is labeled as either "contingent" or "preliminary".

After the policy began, an endorsement increased the modifier.

The policy is frequently endorsed with changes to classifications, rates, or payrolls.

Employees are paid a significant amount of overtime.

The payroll audit is always brief and superficial.

During the audit, the auditor asks surprisingly few questions. Few records are examined.

A classification that was not on the policy is added to the audit.

When your claim reserves have never been checked or challenged - click here.

A classification that was on the policy is omitted from the audit.

The auditor never volunteers to leave copies of his or her worksheets.