Unearthing Hidden Savings: A $104,000 Recovery
A regional landscape contractor with 120 employees carried a 1.39 experience mod and paid over $400,000 in annual premium. They assumed this was simply the cost of doing business in their industry. It wasn’t. They were paying a massive premium penalty because they didn’t know the rules governing their mod.
How the refund was won
This $104,000 refund is a direct result of mastering the processes detailed in Module 1 (Experience Mod Mastery) and Module 3 (Classification & Premium Audit). The employer was bleeding capital due to unmanaged, open claims remaining on their mod long after they should have been closed, and classification errors inflating their baseline premium.
When you learn the rules, you stop guessing. By aggressively challenging the open reserves before the valuation date and auditing the class codes applied to their workforce, the employer’s mod dropped to a 1.0. This isn’t luck; it’s the result of definitive process execution. If you don’t audit your audit and manage your mod, you are choosing to pay more than you legally owe.
This outcome maps to: