Group retro performance

This service offering allows employers participating in the group-retrospective-rating program to view the quarterly claims costs for their individual policies and the entire group. They'll also be able to download details about the claims that make up their portion of the group’s claims costs.

The initial screen displays details about all open group-retro years. To see data from previous quarters, use the quarter ending date drop-down list at the top of the screen.

Information available for each retro year

• Standard premium - Total premium paid by an employer or retro group for a given policy year, excluding the assessments for the disabled workers’ relief fund and the administrative cost fund
• Fixed losses/reserves – Paid losses and reserves related to claims classified as permanent total disability (PTD), death or settled. The claims costs exclude surplus costs; subrogated amounts; capped at $500,000 per claim; non-covered claims; violation of specific safety requirement (VSSR) claims; and reserves are not suppressed as in experience rating
• Non-fixed undeveloped losses/reserves - Paid losses and reserves related to claims not classified as PTD, death, or settled. The claims costs exclude surplus costs; subrogated amounts; capped at $500,000 per claim; non-covered claims; VSSR claims; and reserves are not suppressed as in experience rating. We will multiply the non-fixed losses and reserves by a loss development factor, and then add it to the fixed losses and reserves to calculate developed incurred losses for the group. Developed incurred losses make up half of the retrospective premium calculation.
• Total incurred losses – The total of all fixed and non-fixed undeveloped losses and reserves.

Employers can click on Individual employer total to download a list of claims for the policy year.

• Claim number - BWC-assigned number used to identify and track an injured worker's injury.
• Benefit type – Identifies a claim as medical only (MO) or lost time (LT).
• Group retro classification – To calculate retrospective premium, BWC divides claims into two groups; one group is classified as permanent total disability (PTD), death or settled and the other group covers the rest. This column displays how each claim is classified.
• Date of injury - Month, day and year the injury or occupational disease occurred
• Fixed losses– Paid losses related to claims classified as PTD, death or Settled. The claims costs exclude surplus costs; subrogated amounts, capped at $500,000 per claim; non-covered claims, violation of specific safety requirement (VSSR) claims; and reserves are not suppressed as in experience rating.
• Non-fixed undeveloped losses - Paid losses related to claims not classified as PTD, death or settled. The claims costs exclude surplus costs; subrogated amounts, capped at $500,000 per claim; non-covered claims; VSSR claims; and reserves are not suppressed as in experience rating.
• Fixed reserves – Reserves related to claims classified as PTD, death or settled. The claims costs exclude surplus costs; subrogated amounts, capped at $500,000 per claim; non-covered claims, VSSR claims; and reserves are not suppressed as in experience rating.
• Non-fixed undeveloped reserves - Reserves related to claims not classified as PTD, death or settled. The claims costs exclude surplus costs; subrogated amounts, capped at $500,000 per claim; non-covered claims; VSSR claims; and reserves are not suppressed as in experience rating.
• Total incurred losses – The total of all fixed and non-fixed undeveloped losses and reserves.
• Capped at $500K – Indicates whether the claim cost was capped at $500,000 per the Group Retrospective Program Administrative Rule
• Subrogated amount excluded – Indicates whether a third party paid for a portion of the costs on this claim. If a subrogated amount was collected, the cost of the claim will be reduced accordingly.
• Reserve suppressed in experience rating – Indicates whether the reserve amount on this claim would be suppressed when claims history is evaluated for experience rating. The group retrospective Program Administrative Rule specifies that these same suppression rules will not apply when calculating losses for group-retrospective rating.