The basis of the experience modification shall be a comparison of the actual losses charged to an employer during the experience period with the expected losses for an average employer reporting the same exposures in each classification. The comparison shall contain actuarial refinements designed to weigh the extent to which the actual experience is credible, due consideration being given to the volume of the employer's experience. Except for those employers who qualify for an adjusted experience modification as specified in WAC 296-17-860 or 296-17-865, the experience modification factor shall be calculated from the formula:

EXPERIENCE MODIFICATION FACTOR	=	(Credible Actual Primary Loss + Credible Actual Excess Loss)/Expected Loss
Where
Credible Actual Primary Loss	=	Actual Primary Loss x Primary Credibility
	+	Expected Primary Loss x (100% - Primary Credibility)
Credible Actual Excess Loss	=	Actual Excess Loss x Excess Credibility
	+	Expected Excess Loss x (100% - Excess Credibility)

The meaning and function of each term in the formula is specified below.

For each claim, the actual primary loss is the first dollar portion of the claim costs, which has been shown in actuarial studies, to have the greater credibility in predicting future experience. These amounts are summed over all claims. For each claim in excess of (($22,670))$25,170 the actual primary loss shall be determined from the formula:

Primary Loss	=	((56,670))62,920	x Total Loss
		(Total Loss + ((34,000))37,750)

For each claim, less than (($22,670))$25,170 the full value of the claim shall be considered a primary loss.

For each claim, the excess actual loss is the remaining portion of the claim costs, which have been shown in actuarial studies to have less credibility in predicting future experience. The excess actual loss for each claim shall be determined by subtracting the primary loss from the total loss. These amounts are summed over all claims.

For any claim without disability benefits (time loss, partial permanent disability, total permanent disability or death) either actually paid or estimated to be paid, the total actual losses for calculating the primary loss and excess loss shall first be reduced by the lesser of (($3,570))$3,670 or the total cost of the claim. Here are some examples for these claims:

Total Loss	Type of Claim	Total Loss (after deduction)	Primary Loss	Excess Loss
((300	Medical Only	0	0	0
4,000	Medical Only	430	430	0
4,000	Timeloss	4,000	4,000	0
30,000	Medical Only	26,430	24,786	1,644
30,000	Timeloss	30,000	26,564	3,436
130,000	PPD	130,000	44,921	85,079
500,000	TPD Pension	382,810	52,047	330,763
2,000,000	TPD Pension	382,810	52,047	330,763))
2,000	Medical Only	0	0	0
5,000	Medical Only	1,330	1,330	0
5,000	Timeloss	5,000	5,000	0
30,000	Medical Only	26,330	25,853	477
30,000	Timeloss	30,000	27,861	2,139
90,000	PPD	90,000	44,327	45,673
150,000	PPD	150,000	50,269	99,731
500,000	TPD Pension	405,520	57,562	347,958
2,000,000	TPD Pension	405,520	57,562	347,958

Note:

The deduction, (($3,570))$3,670, is twice the average case incurred cost of these types of claims occurring during the three-year period used for experience rating. On average this results in reducing the average actual loss about ((seventy))70 percent for these types of claims adjusted. This is done to help make the transition between the two different experience rating methods better by helping make the change in experience factor reasonable for small changes to the actual losses.

For each employer, the primary credibility and the excess credibility determines the percentage weight given to the corresponding actual primary losses and the actual excess losses, included in the calculation of the experience modification, based on the volume of expected losses. Primary credibility and excess credibility values are set forth in Table II.

An employer's expected losses shall be determined by summing the expected loss for each of the three years of the experience period, which are calculated by multiplying the reported exposure in each classification during the year by the corresponding classification expected loss rate and rounding the result to the nearest cent. Classification expected loss rates by year are set forth in Table III.

Expected losses in each classification shall be multiplied by the classification "Primary-Ratio" to obtain "expected primary losses" which shall be rounded to the nearest cent. Expected excess losses shall then be calculated by subtracting expected primary losses from expected total losses rounded to the nearest cent. Primary-Ratios are also set forth in Table III.

PRIMARY AND EXCESS CREDIBILITY VALUES

Effective January 1, ((2023))2024

Maximum Claim Value = (($382,810))$405,520

Average Death Value = (($382,810))$405,520

Expected Losses			Primary Credibility	Excess Credibility
((0	-	5,913	12%	7%
5,914	-	6,313	13%	7%
6,314	-	6,716	14%	7%
6,717	-	7,123	15%	7%
7,124	-	7,538	16%	7%
7,539	-	7,956	17%	7%
7,957	-	8,380	18%	7%
8,381	-	8,809	19%	7%
8,810	-	9,242	20%	7%
9,243	-	9,684	21%	7%
9,685	-	10,130	22%	7%
10,131	-	10,586	23%	7%
10,587	-	11,044	24%	7%
11,045	-	11,512	25%	7%
11,513	-	11,989	26%	7%
11,990	-	12,470	27%	7%
12,471	-	12,962	28%	7%
12,963	-	13,461	29%	7%
13,462	-	13,969	30%	7%
13,970	-	14,489	31%	7%
14,490	-	15,015	32%	7%
15,016	-	15,555	33%	7%
15,556	-	16,107	34%	7%
16,108	-	16,670	35%	7%
16,671	-	17,246	36%	7%
17,247	-	17,836	37%	7%
17,837	-	18,446	38%	7%
18,447	-	19,066	39%	7%
19,067	-	19,707	40%	7%
19,708	-	20,366	41%	7%
20,367	-	21,049	42%	7%
21,050	-	21,754	43%	7%
21,755	-	22,485	44%	7%
22,486	-	23,247	45%	7%
23,248	-	24,043	46%	7%
24,044	-	24,875	47%	7%
24,876	-	25,754	48%	7%
25,755	-	26,687	49%	7%
26,688	-	27,679	50%	7%
27,680	-	28,753	51%	7%
28,754	-	29,929	52%	7%
29,930	-	31,238	53%	7%
31,239	-	31,373	54%	7%
31,374	-	32,749	54%	8%
32,750	-	34,593	55%	8%
34,594	-	52,356	56%	8%
52,357	-	57,705	57%	8%
57,706	-	82,425	57%	9%
82,426	-	84,895	57%	10%
84,896	-	107,296	58%	10%
107,297	-	117,434	58%	11%
117,435	-	132,322	59%	11%
132,323	-	149,976	59%	12%
149,977	-	157,499	60%	12%
157,500	-	182,517	60%	13%
182,518	-	182,836	61%	13%
182,837	-	208,329	61%	14%
208,330	-	215,056	61%	15%
215,057	-	233,982	62%	15%
233,983	-	247,596	62%	16%
247,597	-	259,797	63%	16%
259,798	-	280,137	63%	17%
280,138	-	285,775	64%	17%
285,776	-	311,915	64%	18%
311,916	-	312,675	64%	19%
312,676	-	338,225	65%	19%
338,226	-	345,215	65%	20%
345,216	-	364,695	66%	20%
364,696	-	377,757	66%	21%
377,758	-	391,337	67%	21%
391,338	-	410,298	67%	22%
410,299	-	418,150	68%	22%
418,151	-	442,834	68%	23%
442,835	-	445,136	69%	23%
445,137	-	472,293	69%	24%
472,294	-	475,375	69%	25%
475,376	-	499,626	70%	25%
499,627	-	507,918	70%	26%
507,919	-	527,137	71%	26%
527,138	-	540,458	71%	27%
540,459	-	554,826	72%	27%
554,827	-	572,998	72%	28%
572,999	-	582,695	73%	28%
582,696	-	605,539	73%	29%
605,540	-	610,747	74%	29%
610,748	-	638,079	74%	30%
638,080	-	638,984	75%	30%
638,985	-	667,405	75%	31%
667,406	-	670,618	75%	32%
670,619	-	696,016	76%	32%
696,017	-	703,159	76%	33%
703,160	-	724,812	77%	33%
724,813	-	735,699	77%	34%
735,700	-	753,805	78%	34%
753,806	-	768,239	78%	35%
768,240	-	782,987	79%	35%
782,988	-	800,780	79%	36%
800,781	-	812,367	80%	36%
812,368	-	833,318	80%	37%
833,319	-	841,945	81%	37%
841,946	-	865,859	81%	38%
865,860	-	871,721	82%	38%
871,722	-	898,401	82%	39%
898,402	-	901,698	83%	39%
901,699	-	930,941	83%	40%
930,942	-	931,877	84%	40%
931,878	-	962,264	84%	41%
962,265	-	963,478	84%	42%
963,479	-	992,855	85%	42%
992,856	-	996,018	85%	43%
996,019	-	1,023,660	86%	43%
1,023,661	-	1,028,560	86%	44%
1,028,561	-	1,054,674	87%	44%
1,054,675	-	1,061,101	87%	45%
1,061,102	-	1,085,904	88%	45%
1,085,905	-	1,093,641	88%	46%
1,093,642	-	1,117,349	89%	46%
1,117,350	-	1,126,180	89%	47%
1,126,181	-	1,149,014	90%	47%
1,149,015	-	1,158,722	90%	48%
1,158,723	-	1,180,898	91%	48%
1,180,899	-	1,191,260	91%	49%
1,191,261	-	1,213,005	92%	49%
1,213,006	-	1,223,803	92%	50%
1,223,804	-	1,245,338	93%	50%
1,245,339	-	1,256,342	93%	51%
1,256,343	-	1,277,900	94%	51%
1,277,901	-	1,288,881	94%	52%
1,288,882	-	1,310,692	95%	52%
1,310,693	-	1,321,421	95%	53%
1,321,422	-	1,343,715	96%	53%
1,343,716	-	1,353,962	96%	54%
1,353,963	-	1,376,974	97%	54%
1,376,975	-	1,386,502	97%	55%
1,386,503	-	1,410,470	98%	55%
1,410,471	-	1,419,043	98%	56%
1,419,044	-	1,444,207	99%	56%
1,444,208	-	1,451,582	99%	57%
1,451,583	-	1,478,186	100%	57%
1,478,187	-	1,512,412	100%	58%
1,512,413	-	1,546,887	100%	59%
1,546,888	-	1,581,611	100%	60%
1,581,612	-	1,616,589	100%	61%
1,616,590	-	1,651,823	100%	62%
1,651,824	-	1,687,318	100%	63%
1,687,319	-	1,723,073	100%	64%
1,723,074	-	1,759,094	100%	65%
1,759,095	-	1,795,381	100%	66%
1,795,382	-	1,831,943	100%	67%
1,831,944	-	1,868,775	100%	68%
1,868,776	-	1,905,886	100%	69%
1,905,887	-	1,943,278	100%	70%
1,943,279	-	1,980,953	100%	71%
1,980,954	-	2,018,915	100%	72%
2,018,916	-	2,057,167	100%	73%
2,057,168	-	2,095,712	100%	74%
2,095,713	-	2,134,552	100%	75%
2,134,553	-	2,173,694	100%	76%
2,173,695	-	2,213,138	100%	77%
2,213,139	-	2,252,890	100%	78%
2,252,891	-	2,292,953	100%	79%
2,292,954	-	2,333,331	100%	80%
2,333,332	-	2,374,029	100%	81%
2,374,030	-	2,415,044	100%	82%
2,415,045	-	2,456,389	100%	83%
2,456,390	-	2,498,059	100%	84%
2,498,060	-	2,540,067	100%	85%
2,540,068	and higher		100%	86%))
0	-	6,061	12%	7%
6,062	-	6,471	13%	7%
6,472	-	6,884	14%	7%
6,885	-	7,301	15%	7%
7,302	-	7,726	16%	7%
7,727	-	8,155	17%	7%
8,156	-	8,590	18%	7%
8,591	-	9,029	19%	7%
9,030	-	9,473	20%	7%
9,474	-	9,926	21%	7%
9,927	-	10,383	22%	7%
10,384	-	10,851	23%	7%
10,852	-	11,320	24%	7%
11,321	-	11,800	25%	7%
11,801	-	12,289	26%	7%
12,290	-	12,782	27%	7%
12,783	-	13,286	28%	7%
13,287	-	13,798	29%	7%
13,799	-	14,318	30%	7%
14,319	-	14,851	31%	7%
14,852	-	15,390	32%	7%
15,391	-	15,944	33%	7%
15,945	-	16,510	34%	7%
16,511	-	17,087	35%	7%
17,088	-	17,677	36%	7%
17,678	-	18,282	37%	7%
18,283	-	18,907	38%	7%
18,908	-	19,543	39%	7%
19,544	-	20,200	40%	7%
20,201	-	20,875	41%	7%
20,876	-	21,575	42%	7%
21,576	-	22,298	43%	7%
22,299	-	23,047	44%	7%
23,048	-	23,828	45%	7%
23,829	-	24,644	46%	7%
24,645	-	25,497	47%	7%
25,498	-	26,398	48%	7%
26,399	-	27,354	49%	7%
27,355	-	28,371	50%	7%
28,372	-	29,472	51%	7%
29,473	-	30,677	52%	7%
30,678	-	32,019	53%	7%
32,020	-	32,157	54%	7%
32,158	-	33,568	54%	8%
33,569	-	35,458	55%	8%
35,459	-	53,665	56%	8%
53,666	-	59,148	57%	8%
59,149	-	84,486	57%	9%
84,487	-	87,017	57%	10%
87,018	-	109,978	58%	10%
109,979	-	120,370	58%	11%
120,371	-	135,630	59%	11%
135,631	-	153,725	59%	12%
153,726	-	161,437	60%	12%
161,438	-	187,080	60%	13%
187,081	-	187,407	61%	13%
187,408	-	213,537	61%	14%
213,538	-	220,432	61%	15%
220,433	-	239,832	62%	15%
239,833	-	253,786	62%	16%
253,787	-	266,292	63%	16%
266,293	-	287,140	63%	17%
287,141	-	292,919	64%	17%
292,920	-	319,713	64%	18%
319,714	-	320,492	64%	19%
320,493	-	346,681	65%	19%
346,682	-	353,845	65%	20%
353,846	-	373,812	66%	20%
373,813	-	387,201	66%	21%
387,202	-	401,120	67%	21%
401,121	-	420,555	67%	22%
420,556	-	428,604	68%	22%
428,605	-	453,905	68%	23%
453,906	-	456,264	69%	23%
456,265	-	484,100	69%	24%
484,101	-	487,259	69%	25%
487,260	-	512,117	70%	25%
512,118	-	520,616	70%	26%
520,617	-	540,315	71%	26%
540,316	-	553,969	71%	27%
553,970	-	568,697	72%	27%
568,698	-	587,323	72%	28%
587,324	-	597,262	73%	28%
597,263	-	620,678	73%	29%
620,679	-	626,016	74%	29%
626,017	-	654,031	74%	30%
654,032	-	654,959	75%	30%
654,960	-	684,090	75%	31%
684,091	-	687,383	75%	32%
687,384	-	713,416	76%	32%
713,417	-	720,738	76%	33%
720,739	-	742,932	77%	33%
742,933	-	754,092	77%	34%
754,093	-	772,650	78%	34%
772,651	-	787,445	78%	35%
787,446	-	802,562	79%	35%
802,563	-	820,800	79%	36%
820,801	-	832,676	80%	36%
832,677	-	854,151	80%	37%
854,152	-	862,994	81%	37%
862,995	-	887,506	81%	38%
887,507	-	893,514	82%	38%
893,515	-	920,861	82%	39%
920,862	-	924,240	83%	39%
924,241	-	954,215	83%	40%
954,216	-	955,174	84%	40%
955,175	-	986,321	84%	41%
986,322	-	987,565	84%	42%
987,566	-	1,017,676	85%	42%
1,017,677	-	1,020,918	85%	43%
1,020,919	-	1,049,252	86%	43%
1,049,253	-	1,054,274	86%	44%
1,054,275	-	1,081,041	87%	44%
1,081,042	-	1,087,629	87%	45%
1,087,630	-	1,113,052	88%	45%
1,113,053	-	1,120,982	88%	46%
1,120,983	-	1,145,283	89%	46%
1,145,284	-	1,154,335	89%	47%
1,154,336	-	1,177,739	90%	47%
1,177,740	-	1,187,690	90%	48%
1,187,691	-	1,210,420	91%	48%
1,210,421	-	1,221,042	91%	49%
1,221,043	-	1,243,330	92%	49%
1,243,331	-	1,254,398	92%	50%
1,254,399	-	1,276,471	93%	50%
1,276,472	-	1,287,751	93%	51%
1,287,752	-	1,309,848	94%	51%
1,309,849	-	1,321,103	94%	52%
1,321,104	-	1,343,459	95%	52%
1,343,460	-	1,354,457	95%	53%
1,354,458	-	1,377,308	96%	53%
1,377,309	-	1,387,811	96%	54%
1,387,812	-	1,411,398	97%	54%
1,411,399	-	1,421,165	97%	55%
1,421,166	-	1,445,732	98%	55%
1,445,733	-	1,454,519	98%	56%
1,454,520	-	1,480,312	99%	56%
1,480,313	-	1,487,872	99%	57%
1,487,873	-	1,515,141	100%	57%
1,515,142	-	1,550,222	100%	58%
1,550,223	-	1,585,559	100%	59%
1,585,560	-	1,621,151	100%	60%
1,621,152	-	1,657,004	100%	61%
1,657,005	-	1,693,119	100%	62%
1,693,120	-	1,729,501	100%	63%
1,729,502	-	1,766,150	100%	64%
1,766,151	-	1,803,071	100%	65%
1,803,072	-	1,840,266	100%	66%
1,840,267	-	1,877,742	100%	67%
1,877,743	-	1,915,494	100%	68%
1,915,495	-	1,953,533	100%	69%
1,953,534	-	1,991,860	100%	70%
1,991,861	-	2,030,477	100%	71%
2,030,478	-	2,069,388	100%	72%
2,069,389	-	2,108,596	100%	73%
2,108,597	-	2,148,105	100%	74%
2,148,106	-	2,187,916	100%	75%
2,187,917	-	2,228,036	100%	76%
2,228,037	-	2,268,466	100%	77%
2,268,467	-	2,309,212	100%	78%
2,309,213	-	2,350,277	100%	79%
2,350,278	-	2,391,664	100%	80%
2,391,665	-	2,433,380	100%	81%
2,433,381	-	2,475,420	100%	82%
2,475,421	-	2,517,799	100%	83%
2,517,800	-	2,560,511	100%	84%
2,560,512	-	2,603,569	100%	85%
2,603,570	and higher		100%	86%

Expected Loss Rates and Primary Ratios

by Risk Classification and Fiscal Year

Expected Loss Rates in Dollars Per Worker Hour

Effective January 1, ((2023))2024

((Class	2019	2020	2021	Primary Ratio
101	0.6962	0.6462	0.5405	0.401
103	0.8755	0.8212	0.7009	0.412
104	0.6069	0.5634	0.4706	0.415
105	0.7505	0.7045	0.5883	0.484
106	1.8780	1.7702	1.5198	0.448
107	0.6123	0.5693	0.4754	0.429
108	0.6069	0.5634	0.4706	0.415
112	0.5147	0.4809	0.4064	0.423
201	1.4181	1.3098	1.0974	0.355
202	1.2796	1.1855	0.9853	0.409
210	0.6587	0.6119	0.5157	0.395
212	0.6190	0.5779	0.4832	0.432
214	1.1322	1.0460	0.8618	0.418
217	0.7426	0.6926	0.5794	0.438
219	0.5157	0.4801	0.3979	0.457
301	0.7180	0.6742	0.5690	0.471
302	1.3363	1.2407	1.0374	0.396
303	1.2046	1.1223	0.9387	0.416
306	0.5270	0.4903	0.4085	0.439
307	0.5605	0.5238	0.4354	0.477
308	0.4481	0.4225	0.3581	0.509
403	1.1279	1.0514	0.8683	0.467
502	0.6063	0.5635	0.4598	0.473
504	1.2843	1.1981	1.0141	0.401
507	2.0470	1.9210	1.6578	0.394
508	1.0124	0.9339	0.7744	0.367
509	0.5847	0.5383	0.4487	0.352
510	1.6072	1.5043	1.2807	0.412
511	0.9023	0.8410	0.6957	0.473
512	0.8150	0.7622	0.6441	0.445
513	0.5963	0.5562	0.4646	0.447
514	0.8380	0.7849	0.6629	0.464
516	1.0530	0.9826	0.8214	0.442
517	1.1401	1.0619	0.9013	0.376
518	0.8006	0.7429	0.6198	0.417
519	1.0676	0.9937	0.8295	0.424
521	0.4823	0.4515	0.3817	0.449
601	0.3471	0.3225	0.2666	0.453
602	0.4750	0.4372	0.3564	0.408
603	0.5569	0.5157	0.4275	0.402
604	0.7619	0.7138	0.6020	0.454
606	0.4161	0.3896	0.3173	0.543
607	0.5658	0.5279	0.4312	0.500
608	0.2973	0.2757	0.2252	0.460
701	1.0495	0.9693	0.8120	0.355
803	0.4643	0.4333	0.3541	0.516
901	0.8006	0.7429	0.6198	0.417
1002	0.5730	0.5332	0.4451	0.430
1003	0.4591	0.4288	0.3546	0.479
1004	0.3153	0.2925	0.2381	0.455
1005	6.1984	5.7597	4.7437	0.415
1006	0.1786	0.1671	0.1361	0.534
1007	0.2432	0.2274	0.1890	0.472
1101	0.8724	0.8146	0.6665	0.501
1102	1.1854	1.0979	0.9098	0.400
1103	0.7932	0.7396	0.6016	0.490
1104	0.4655	0.4373	0.3666	0.492
1105	0.6010	0.5603	0.4578	0.496
1106	0.2993	0.2820	0.2348	0.546
1108	0.3695	0.3480	0.2926	0.501
1109	1.4619	1.3625	1.1344	0.433
1301	0.4917	0.4579	0.3777	0.466
1303	0.2939	0.2739	0.2222	0.523
1304	0.0141	0.0132	0.0109	0.497
1305	0.3659	0.3407	0.2789	0.470
1401	0.2517	0.2382	0.2034	0.497
1404	0.5941	0.5587	0.4652	0.515
1405	0.5736	0.5375	0.4421	0.528
1407	0.5046	0.4719	0.3870	0.515
1501	0.6423	0.5979	0.4880	0.486
1507	0.3411	0.3201	0.2663	0.516
1701	0.6024	0.5621	0.4707	0.422
1702	0.8383	0.7701	0.6447	0.315
1703	0.6391	0.5919	0.4883	0.407
1704	0.6024	0.5621	0.4707	0.422
1801	0.3559	0.3304	0.2752	0.406
1802	0.5695	0.5286	0.4404	0.406
2002	0.5572	0.5212	0.4368	0.465
2004	0.4613	0.4336	0.3579	0.558
2007	0.5300	0.4975	0.4236	0.439
2008	0.2541	0.2394	0.2002	0.507
2009	0.2997	0.2826	0.2397	0.507
2101	0.4832	0.4551	0.3863	0.492
2102	0.5361	0.5040	0.4251	0.480
2103	1.2790	1.1957	0.9545	0.574
2104	0.3193	0.3040	0.2617	0.555
2105	0.5497	0.5138	0.4179	0.531
2106	0.4499	0.4227	0.3536	0.511
2201	0.2807	0.2653	0.2258	0.511
2202	0.5566	0.5207	0.4309	0.503
2203	0.4128	0.3890	0.3255	0.540
2204	0.2807	0.2653	0.2258	0.511
2401	0.3513	0.3278	0.2732	0.453
2903	0.5090	0.4802	0.4072	0.502
2904	0.5117	0.4778	0.4075	0.401
2905	0.4265	0.4016	0.3367	0.524
2906	0.4269	0.4024	0.3458	0.463
2907	0.3635	0.3428	0.2858	0.552
2908	0.6991	0.6589	0.5536	0.524
2909	0.3309	0.3133	0.2695	0.461
3101	0.5761	0.5388	0.4493	0.484
3102	0.2057	0.1919	0.1596	0.469
3103	0.2688	0.2517	0.2131	0.426
3104	0.5826	0.5481	0.4593	0.529
3105	0.6675	0.6300	0.5405	0.475
3303	0.3048	0.2861	0.2377	0.517
3304	0.5735	0.5399	0.4580	0.495
3309	0.3212	0.3010	0.2497	0.504
3402	0.3407	0.3199	0.2687	0.498
3403	0.1016	0.0950	0.0793	0.484
3404	0.4011	0.3759	0.3131	0.504
3405	0.2136	0.2001	0.1670	0.497
3406	0.2233	0.2098	0.1734	0.537
3407	0.5848	0.5448	0.4531	0.440
3408	0.2229	0.2084	0.1678	0.544
3409	0.1446	0.1362	0.1128	0.546
3410	0.1446	0.1362	0.1128	0.546
3411	0.3818	0.3558	0.2942	0.473
3412	0.5146	0.4770	0.3953	0.411
3414	0.6431	0.5999	0.4925	0.493
3415	0.9964	0.9324	0.7641	0.520
3501	0.3471	0.3276	0.2810	0.475
3503	0.2743	0.2577	0.2135	0.527
3506	0.6054	0.5633	0.4703	0.428
3509	0.3912	0.3670	0.2991	0.550
3510	0.2989	0.2819	0.2410	0.493
3511	0.6438	0.6052	0.5113	0.476
3512	0.3016	0.2845	0.2390	0.537
3513	0.3410	0.3206	0.2700	0.488
3602	0.0802	0.0753	0.0632	0.507
3603	0.3738	0.3512	0.2955	0.480
3604	0.6175	0.5796	0.4890	0.470
3605	0.3407	0.3199	0.2687	0.498
3701	0.2057	0.1919	0.1596	0.469
3702	0.3015	0.2835	0.2360	0.528
3708	0.5060	0.4742	0.4012	0.454
3802	0.1663	0.1565	0.1325	0.497
3808	0.3153	0.2956	0.2481	0.484
3901	0.1266	0.1197	0.1000	0.579
3902	0.4038	0.3806	0.3179	0.549
3903	0.5269	0.4967	0.4150	0.549
3905	0.1119	0.1061	0.0901	0.558
3906	0.3971	0.3749	0.3180	0.521
3909	0.2227	0.2102	0.1755	0.565
4101	0.1825	0.1716	0.1435	0.531
4103	0.4414	0.4154	0.3521	0.485
4107	0.1529	0.1429	0.1185	0.486
4108	0.1379	0.1295	0.1081	0.534
4109	0.1693	0.1599	0.1362	0.499
4201	0.6293	0.5809	0.4695	0.438
4301	0.7010	0.6625	0.5645	0.515
4302	0.5853	0.5482	0.4587	0.478
4304	0.7809	0.7399	0.6387	0.489
4305	0.8480	0.7900	0.6430	0.489
4401	0.3048	0.2861	0.2377	0.517
4402	0.5118	0.4781	0.3929	0.508
4404	0.3762	0.3529	0.2985	0.467
4501	0.1419	0.1335	0.1093	0.571
4502	0.0492	0.0461	0.0385	0.480
4504	0.0998	0.0942	0.0786	0.580
4802	0.3634	0.3422	0.2906	0.493
4803	0.3750	0.3551	0.3018	0.549
4804	0.4516	0.4272	0.3651	0.516
4805	0.3090	0.2928	0.2499	0.540
4806	0.1193	0.1130	0.0941	0.595
4808	0.4068	0.3819	0.3238	0.456
4809	0.2045	0.1927	0.1633	0.503
4810	0.2281	0.2154	0.1806	0.547
4811	0.3992	0.3783	0.3253	0.508
4812	0.3535	0.3319	0.2812	0.482
4813	0.2405	0.2281	0.1939	0.564
4814	0.1052	0.1003	0.0872	0.552
4815	0.2167	0.2070	0.1807	0.565
4816	0.2960	0.2820	0.2473	0.509
4900	0.0949	0.0885	0.0739	0.460
4901	0.0315	0.0293	0.0241	0.468
4902	0.0669	0.0626	0.0516	0.510
4903	0.1422	0.1327	0.1078	0.522
4904	0.0116	0.0109	0.0091	0.546
4905	0.3153	0.2981	0.2518	0.546
4906	0.0899	0.0841	0.0686	0.536
4907	0.0462	0.0442	0.0380	0.607
4908	0.0792	0.0756	0.0645	0.594
4909	0.0317	0.0303	0.0258	0.594
4910	0.3781	0.3537	0.2935	0.489
4911	0.0472	0.0441	0.0372	0.447
5001	5.8422	5.4258	4.6022	0.348
5002	0.4629	0.4329	0.3546	0.518
5003	1.7799	1.6533	1.3800	0.386
5004	0.8005	0.7565	0.6631	0.397
5005	0.7327	0.6803	0.5695	0.391
5006	0.9072	0.8407	0.6998	0.382
5101	0.7280	0.6765	0.5541	0.450
5103	0.7002	0.6585	0.5531	0.509
5106	0.7002	0.6585	0.5531	0.509
5108	0.6725	0.6290	0.5112	0.532
5109	0.3735	0.3481	0.2873	0.489
5201	0.2402	0.2256	0.1865	0.549
5204	0.7898	0.7314	0.5957	0.437
5206	0.3158	0.2954	0.2508	0.421
5207	0.1212	0.1145	0.0968	0.538
5208	0.4809	0.4498	0.3779	0.471
5209	0.4923	0.4611	0.3860	0.486
5300	0.0770	0.0721	0.0594	0.527
5301	0.0246	0.0231	0.0193	0.493
5302	0.0058	0.0054	0.0045	0.505
5305	0.0349	0.0328	0.0272	0.541
5306	0.0333	0.0313	0.0259	0.571
5307	0.5632	0.5243	0.4276	0.491
5308	0.0687	0.0649	0.0550	0.531
6103	0.0779	0.0738	0.0621	0.583
6104	0.3124	0.2936	0.2441	0.534
6105	0.4184	0.3901	0.3205	0.494
6107	0.1403	0.1338	0.1128	0.639
6108	0.2133	0.2022	0.1709	0.583
6109	0.0938	0.0875	0.0718	0.495
6110	0.3357	0.3137	0.2560	0.528
6120	0.2662	0.2487	0.2036	0.520
6121	0.3777	0.3518	0.2835	0.522
6201	0.4189	0.3917	0.3199	0.514
6202	0.6827	0.6406	0.5282	0.525
6203	0.0851	0.0813	0.0702	0.614
6204	0.1100	0.1039	0.0878	0.541
6205	0.1433	0.1349	0.1130	0.521
6206	0.1650	0.1554	0.1292	0.552
6207	0.7937	0.7464	0.6264	0.475
6208	0.1964	0.1867	0.1589	0.580
6209	0.2299	0.2179	0.1864	0.534
6301	0.1090	0.1017	0.0850	0.435
6303	0.0395	0.0370	0.0307	0.501
6305	0.0852	0.0804	0.0671	0.574
6306	0.3118	0.2928	0.2403	0.556
6308	0.0550	0.0515	0.0426	0.503
6309	0.1814	0.1707	0.1425	0.533
6402	0.2129	0.2012	0.1688	0.567
6403	0.1245	0.1174	0.0972	0.574
6404	0.2526	0.2383	0.2020	0.522
6405	0.5233	0.4894	0.4022	0.509
6406	0.1315	0.1238	0.1023	0.574
6407	0.2335	0.2196	0.1834	0.531
6408	0.5262	0.4938	0.4143	0.483
6409	0.5728	0.5345	0.4417	0.479
6410	0.2509	0.2352	0.1940	0.534
6411	0.0350	0.0331	0.0284	0.517
6501	0.0859	0.0804	0.0652	0.558
6502	0.0181	0.0169	0.0141	0.491
6503	0.0681	0.0633	0.0506	0.528
6504	0.2364	0.2248	0.1912	0.590
6505	0.1353	0.1284	0.1076	0.631
6506	0.1019	0.0957	0.0793	0.533
6509	0.1985	0.1881	0.1586	0.573
6510	0.3155	0.2920	0.2402	0.404
6511	0.2332	0.2199	0.1828	0.561
6512	0.0755	0.0707	0.0591	0.455
6601	0.1671	0.1575	0.1316	0.507
6602	0.5013	0.4725	0.4011	0.488
6603	0.2437	0.2298	0.1925	0.549
6604	0.0569	0.0535	0.0448	0.538
6605	0.2478	0.2326	0.1895	0.565
6607	0.0878	0.0830	0.0702	0.536
6608	0.3748	0.3452	0.2833	0.384
6620	2.8489	2.6600	2.1135	0.576
6704	0.1057	0.0995	0.0822	0.569
6705	0.6447	0.6138	0.5278	0.577
6706	0.2064	0.1951	0.1674	0.516
6707	9.5297	9.0489	7.4637	0.658
6708	7.6928	7.3306	6.4654	0.480
6709	0.2253	0.2120	0.1759	0.552
6801	0.5454	0.5052	0.3922	0.539
6802	0.7268	0.6793	0.5496	0.538
6803	0.4017	0.3698	0.3022	0.403
6804	0.2168	0.2037	0.1683	0.549
6809	3.0048	2.8437	2.4114	0.545
6901	0.0193	0.0199	0.0201	0.817
6902	0.6118	0.5712	0.4816	0.419
6903	3.1754	2.9366	2.5040	0.321
6904	0.9100	0.8433	0.6807	0.465
6905	0.6772	0.6280	0.5090	0.486
6906	0.2484	0.2440	0.2321	0.602
6907	0.6695	0.6298	0.5242	0.537
6908	0.3105	0.2911	0.2429	0.496
6909	0.0878	0.0824	0.0693	0.504
7100	0.0146	0.0136	0.0110	0.530
7101	0.0184	0.0172	0.0143	0.437
7103	0.8369	0.7765	0.6287	0.470
7104	0.0204	0.0191	0.0158	0.497
7105	0.0140	0.0132	0.0109	0.506
7106	0.2410	0.2267	0.1868	0.564
7107	0.3598	0.3376	0.2750	0.559
7108	0.2563	0.2415	0.1980	0.602
7109	0.0774	0.0726	0.0607	0.494
7110	0.3693	0.3452	0.2902	0.435
7111	0.2574	0.2384	0.1917	0.476
7112	0.5450	0.5139	0.4356	0.516
7113	0.3382	0.3177	0.2631	0.533
7114	0.7048	0.6648	0.5483	0.585
7115	0.5672	0.5357	0.4483	0.560
7116	0.4462	0.4175	0.3452	0.489
7117	0.8490	0.7991	0.6728	0.498
7118	1.3691	1.2806	1.0646	0.481
7119	1.4079	1.3146	1.0812	0.476
7120	4.2400	3.9500	3.2151	0.489
7121	5.6360	5.2264	4.4413	0.338
7122	0.3025	0.2867	0.2455	0.506
7200	1.8404	1.7007	1.3626	0.464
7201	1.4176	1.3157	1.0526	0.500
7202	0.0185	0.0173	0.0142	0.516
7203	0.0812	0.0773	0.0667	0.575
7204	0.0000	0.0000	0.0000	0.500
7205	0.0000	0.0000	0.0000	0.500
7301	0.5655	0.5357	0.4685	0.444
7302	0.6549	0.6196	0.5384	0.447
7307	0.4114	0.3872	0.3229	0.538
7308	0.2174	0.2063	0.1749	0.574
7309	0.2041	0.1937	0.1643	0.580
7400	2.1165	1.9559	1.5669	0.464

Expected Loss Rates in Dollars Per Sq. Ft.

of Wallboard Installed

Class	2019	2020	2021	Primary Ratio
540	0.0130	0.0121	0.0102	0.464
541	0.0065	0.0061	0.0051	0.426
550	0.0258	0.0239	0.0204	0.338
551	0.0091	0.0085	0.0072	0.402))

Class	2020	2021	2022	Primary Ratio
101	0.7333	0.6414	0.5407	0.401
103	0.9153	0.8163	0.7019	0.415
104	0.6145	0.5355	0.4484	0.420
105	0.7852	0.6928	0.5818	0.481
106	2.0555	1.8460	1.5991	0.415
107	0.6483	0.5688	0.4799	0.423
108	0.6145	0.5355	0.4484	0.420
112	0.5619	0.4957	0.4204	0.420
201	1.5387	1.3384	1.1315	0.351
202	1.2789	1.1146	0.9341	0.413
210	0.6925	0.6069	0.5147	0.387
212	0.6877	0.6055	0.5120	0.424
214	1.0860	0.9419	0.7861	0.407
217	0.7191	0.6310	0.5306	0.439
219	0.5315	0.4649	0.3883	0.460
301	0.7365	0.6531	0.5537	0.456
302	1.3453	1.1765	0.9902	0.405
303	1.2698	1.1121	0.9350	0.418
306	0.5597	0.4883	0.4080	0.442
307	0.5886	0.5166	0.4325	0.470
308	0.4717	0.4196	0.3549	0.498
403	1.0815	0.9465	0.7916	0.450
502	0.6106	0.5331	0.4435	0.462
504	1.2805	1.1317	0.9657	0.398
507	2.0453	1.8278	1.5794	0.398
508	1.0918	0.9473	0.7952	0.368
509	0.6212	0.5390	0.4551	0.353
510	1.6222	1.4403	1.2328	0.409
511	1.0116	0.8828	0.7341	0.470
512	0.8457	0.7470	0.6334	0.441
513	0.6717	0.5884	0.4924	0.450
514	0.9857	0.8657	0.7236	0.482
516	1.0326	0.9059	0.7616	0.438
517	1.1617	1.0253	0.8767	0.374
518	0.8724	0.7620	0.6431	0.399
519	1.2490	1.0923	0.9198	0.405
521	0.5227	0.4628	0.3931	0.438
601	0.3764	0.3273	0.2717	0.460
602	0.5093	0.4378	0.3617	0.402
603	0.5910	0.5160	0.4358	0.382
604	0.7968	0.7055	0.5971	0.463
606	0.4629	0.4028	0.3286	0.544
607	0.6142	0.5342	0.4385	0.501
608	0.3036	0.2634	0.2175	0.469
701	0.9427	0.8201	0.6932	0.351
803	0.4940	0.4295	0.3535	0.497
901	0.8724	0.7620	0.6431	0.399
1002	0.6018	0.5267	0.4418	0.437
1003	0.4331	0.3805	0.3191	0.463
1004	0.3464	0.2996	0.2477	0.438
1005	6.6130	5.7458	4.7845	0.410
1006	0.1937	0.1684	0.1378	0.526
1007	0.2539	0.2229	0.1861	0.480
1101	0.9133	0.7955	0.6538	0.506
1102	1.1601	1.0102	0.8467	0.400
1103	0.8617	0.7481	0.6131	0.497
1104	0.4912	0.4341	0.3653	0.492
1105	0.5880	0.5129	0.4245	0.486
1106	0.3362	0.2967	0.2463	0.550
1108	0.4261	0.3762	0.3151	0.498
1109	1.5210	1.3325	1.1180	0.428
1301	0.4946	0.4335	0.3634	0.445
1303	0.3336	0.2876	0.2327	0.527
1304	0.0143	0.0125	0.0104	0.478
1305	0.3630	0.3160	0.2618	0.458
1401	0.2842	0.2536	0.2147	0.501
1404	0.6867	0.6063	0.5047	0.522
1405	0.6258	0.5468	0.4506	0.520
1407	0.5391	0.4719	0.3905	0.503
1501	0.6902	0.5981	0.4894	0.497
1507	0.3732	0.3277	0.2715	0.524
1701	0.6082	0.5356	0.4540	0.408
1702	0.8486	0.7362	0.6255	0.309
1703	0.6770	0.5877	0.4909	0.400
1704	0.6082	0.5356	0.4540	0.408
1801	0.4116	0.3587	0.3004	0.413
1802	0.6586	0.5739	0.4807	0.413
2002	0.5909	0.5186	0.4336	0.473
2004	0.5056	0.4452	0.3689	0.557
2007	0.5327	0.4727	0.4032	0.428
2008	0.2106	0.1859	0.1552	0.502
2009	0.3263	0.2900	0.2449	0.511
2101	0.5288	0.4682	0.3946	0.481
2102	0.5797	0.5130	0.4311	0.493
2103	1.3986	1.2100	0.9730	0.567
2104	0.3250	0.2943	0.2520	0.559
2105	0.6154	0.5355	0.4390	0.520
2106	0.4628	0.4095	0.3432	0.513
2201	0.2972	0.2667	0.2278	0.491
2202	0.5796	0.5080	0.4222	0.493
2203	0.4401	0.3897	0.3257	0.541
2204	0.2972	0.2667	0.2278	0.491
2401	0.3494	0.3075	0.2597	0.439
2903	0.5178	0.4605	0.3888	0.506
2904	0.4917	0.4359	0.3747	0.391
2905	0.4611	0.4090	0.3437	0.520
2906	0.4576	0.4086	0.3510	0.443
2907	0.3709	0.3291	0.2755	0.550
2908	0.6598	0.5871	0.4969	0.508
2909	0.3617	0.3238	0.2771	0.467
3101	0.5876	0.5169	0.4333	0.481
3102	0.2263	0.1980	0.1650	0.471
3103	0.2738	0.2422	0.2063	0.417
3104	0.6366	0.5639	0.4719	0.531
3105	0.7116	0.6367	0.5460	0.463
3303	0.3278	0.2882	0.2397	0.511
3304	0.6121	0.5448	0.4615	0.489
3309	0.3292	0.2886	0.2398	0.498
3402	0.3633	0.3211	0.2697	0.500
3403	0.1137	0.1000	0.0837	0.493
3404	0.4530	0.3986	0.3333	0.493
3405	0.2181	0.1926	0.1617	0.501
3406	0.2207	0.1947	0.1626	0.516
3407	0.6797	0.5923	0.4931	0.440
3408	0.2299	0.1998	0.1630	0.531
3409	0.1468	0.1298	0.1081	0.538
3410	0.1468	0.1298	0.1081	0.538
3411	0.3961	0.3461	0.2876	0.475
3412	0.5536	0.4824	0.4045	0.408
3414	0.6939	0.6042	0.4976	0.495
3415	1.2034	1.0492	0.8585	0.530
3501	0.3384	0.3028	0.2596	0.463
3503	0.2775	0.2444	0.2039	0.513
3506	0.6186	0.5413	0.4558	0.417
3509	0.4120	0.3596	0.2940	0.549
3510	0.3266	0.2915	0.2470	0.517
3511	0.7117	0.6316	0.5331	0.490
3512	0.3320	0.2946	0.2471	0.528
3513	0.3972	0.3489	0.2909	0.491
3602	0.0837	0.0739	0.0620	0.501
3603	0.3840	0.3407	0.2884	0.476
3604	0.6974	0.6169	0.5207	0.474
3605	0.3633	0.3211	0.2697	0.500
3701	0.2263	0.1980	0.1650	0.471
3702	0.3036	0.2676	0.2227	0.531
3708	0.5049	0.4474	0.3805	0.443
3802	0.1605	0.1428	0.1213	0.485
3808	0.3234	0.2857	0.2406	0.474
3901	0.1196	0.1069	0.0898	0.573
3902	0.4631	0.4097	0.3407	0.553
3903	0.7207	0.6374	0.5302	0.553
3905	0.1195	0.1070	0.0905	0.551
3906	0.4361	0.3883	0.3271	0.532
3909	0.2258	0.2002	0.1668	0.563
4101	0.1730	0.1532	0.1284	0.526
4103	0.4884	0.4333	0.3655	0.490
4107	0.1539	0.1346	0.1120	0.481
4108	0.1673	0.1472	0.1215	0.545
4109	0.1852	0.1646	0.1391	0.501
4201	0.6672	0.5725	0.4673	0.443
4301	0.7551	0.6725	0.5662	0.527
4302	0.6262	0.5518	0.4636	0.472
4304	0.7595	0.6851	0.5901	0.478
4305	0.9929	0.8592	0.7012	0.497
4401	0.3278	0.2882	0.2397	0.511
4402	0.5202	0.4545	0.3765	0.496
4404	0.4413	0.3918	0.3332	0.450
4501	0.1480	0.1296	0.1062	0.568
4502	0.0490	0.0432	0.0363	0.465
4504	0.1065	0.0953	0.0805	0.564
4802	0.4171	0.3712	0.3144	0.488
4803	0.4217	0.3768	0.3179	0.549
4804	0.4656	0.4166	0.3547	0.496
4805	0.3239	0.2901	0.2459	0.543
4806	0.1345	0.1191	0.0984	0.593
4808	0.4504	0.3995	0.3386	0.460
4809	0.2285	0.2029	0.1708	0.523
4810	0.2264	0.2013	0.1692	0.523
4811	0.4294	0.3866	0.3315	0.503
4812	0.3570	0.3168	0.2689	0.470
4813	0.2843	0.2550	0.2155	0.561
4814	0.1099	0.0999	0.0859	0.548
4815	0.2066	0.1884	0.1622	0.561
4816	0.3081	0.2807	0.2438	0.504
4900	0.1010	0.0888	0.0750	0.439
4901	0.0336	0.0293	0.0243	0.469
4902	0.0643	0.0562	0.0464	0.507
4903	0.1647	0.1431	0.1170	0.525
4904	0.0120	0.0106	0.0088	0.547
4905	0.3448	0.3072	0.2587	0.534
4906	0.0967	0.0841	0.0687	0.535
4907	0.0454	0.0408	0.0347	0.594
4908	0.0838	0.0756	0.0647	0.598
4909	0.0335	0.0303	0.0258	0.598
4910	0.4111	0.3606	0.3007	0.480
4911	0.0526	0.0464	0.0393	0.439
5001	5.9546	5.2490	4.5130	0.333
5002	0.4903	0.4276	0.3518	0.514
5003	1.9782	1.7291	1.4584	0.379
5004	0.8698	0.7863	0.6874	0.392
5005	0.7939	0.6941	0.5861	0.385
5006	0.9455	0.8243	0.6943	0.375
5101	0.7206	0.6267	0.5206	0.438
5103	0.7483	0.6614	0.5550	0.505
5106	0.7483	0.6614	0.5550	0.505
5108	0.7342	0.6353	0.5152	0.532
5109	0.3750	0.3273	0.2720	0.481
5201	0.2481	0.2190	0.1824	0.546
5204	0.9048	0.7776	0.6343	0.449
5206	0.3154	0.2789	0.2379	0.411
5207	0.1370	0.1220	0.1025	0.546
5208	0.4894	0.4317	0.3644	0.469
5209	0.4982	0.4389	0.3690	0.475
5300	0.0731	0.0642	0.0534	0.507
5301	0.0227	0.0201	0.0167	0.502
5302	0.0052	0.0045	0.0039	0.464
5305	0.0429	0.0375	0.0307	0.551
5306	0.0335	0.0295	0.0244	0.549
5307	0.6044	0.5248	0.4310	0.487
5308	0.0760	0.0676	0.0573	0.520
6103	0.0838	0.0749	0.0628	0.580
6104	0.3233	0.2849	0.2371	0.525
6105	0.4547	0.3950	0.3248	0.493
6107	0.1543	0.1381	0.1157	0.640
6108	0.2260	0.2018	0.1700	0.582
6109	0.1033	0.0900	0.0742	0.498
6110	0.3484	0.3029	0.2483	0.516
6120	0.2704	0.2355	0.1941	0.504
6121	0.3900	0.3389	0.2777	0.508
6201	0.4618	0.4022	0.3298	0.523
6202	0.7344	0.6458	0.5372	0.512
6203	0.0889	0.0804	0.0686	0.606
6204	0.1052	0.0941	0.0800	0.516
6205	0.1613	0.1422	0.1184	0.530
6206	0.1814	0.1606	0.1340	0.550
6207	0.7886	0.6993	0.5914	0.459
6208	0.2000	0.1804	0.1534	0.574
6209	0.2530	0.2274	0.1938	0.534
6301	0.1147	0.1008	0.0848	0.426
6303	0.0399	0.0351	0.0293	0.494
6305	0.0945	0.0838	0.0698	0.575
6306	0.3461	0.3032	0.2495	0.549
6308	0.0681	0.0596	0.0491	0.513
6309	0.2004	0.1770	0.1472	0.541
6402	0.2249	0.1998	0.1669	0.573
6403	0.1421	0.1251	0.1030	0.572
6404	0.2896	0.2578	0.2169	0.529
6405	0.5597	0.4890	0.4034	0.510
6406	0.1472	0.1295	0.1067	0.572
6407	0.2397	0.2118	0.1769	0.527
6408	0.5435	0.4810	0.4056	0.480
6409	0.5946	0.5214	0.4369	0.451
6410	0.2631	0.2307	0.1909	0.526
6411	0.0393	0.0353	0.0302	0.514
6501	0.0873	0.0757	0.0614	0.553
6502	0.0173	0.0152	0.0129	0.490
6503	0.0731	0.0627	0.0505	0.515
6504	0.2365	0.2112	0.1773	0.581
6505	0.1334	0.1193	0.0998	0.626
6506	0.1060	0.0931	0.0771	0.528
6509	0.2073	0.1849	0.1558	0.563
6510	0.3551	0.3069	0.2540	0.413
6511	0.2390	0.2106	0.1741	0.561
6512	0.0830	0.0729	0.0608	0.472
6601	0.1799	0.1587	0.1325	0.502
6602	0.5469	0.4865	0.4117	0.481
6603	0.2539	0.2251	0.1887	0.539
6604	0.0550	0.0486	0.0408	0.524
6605	0.2554	0.2234	0.1836	0.561
6607	0.1078	0.0957	0.0800	0.553
6608	0.3724	0.3213	0.2682	0.370
6620	3.1804	2.7312	2.1789	0.578
6704	0.1142	0.1002	0.0824	0.564
6705	0.7315	0.6593	0.5597	0.578
6706	0.2093	0.1881	0.1610	0.511
6707	8.4102	7.5223	6.2413	0.671
6708	7.9882	7.2913	6.3822	0.474
6709	0.2337	0.2061	0.1710	0.549
6801	0.5667	0.4811	0.3804	0.527
6802	0.8584	0.7449	0.6059	0.531
6803	0.4434	0.3807	0.3131	0.413
6804	0.2353	0.2066	0.1709	0.541
6809	2.8632	2.5546	2.1642	0.524
6901	0.0196	0.0200	0.0194	0.813
6902	0.6483	0.5706	0.4825	0.415
6903	3.0259	2.6602	2.2921	0.310
6904	1.1712	1.0068	0.8300	0.405
6905	0.8792	0.7494	0.6125	0.410
6906	0.2888	0.2811	0.2591	0.578
6907	0.7100	0.6262	0.5207	0.539
6908	0.3660	0.3221	0.2685	0.510
6909	0.0962	0.0849	0.0714	0.499
7100	0.0150	0.0130	0.0106	0.531
7101	0.0203	0.0177	0.0148	0.423
7103	0.9373	0.8098	0.6648	0.454
7104	0.0227	0.0199	0.0164	0.498
7105	0.0155	0.0136	0.0113	0.502
7106	0.2293	0.2025	0.1679	0.548
7107	0.3910	0.3405	0.2774	0.554
7108	0.3026	0.2656	0.2166	0.605
7109	0.0899	0.0788	0.0654	0.506
7110	0.4115	0.3619	0.3036	0.454
7111	0.2982	0.2548	0.2055	0.478
7112	0.6178	0.5515	0.4660	0.523
7113	0.4294	0.3761	0.3087	0.553
7114	0.7298	0.6439	0.5308	0.583
7115	0.5980	0.5322	0.4454	0.551
7116	0.5349	0.4683	0.3873	0.501
7117	0.9013	0.7958	0.6656	0.506
7118	1.3247	1.1638	0.9761	0.457
7119	1.6112	1.4007	1.1497	0.492
7120	4.9649	4.2957	3.5059	0.497
7121	5.6128	4.9433	4.2532	0.325
7122	0.3291	0.2950	0.2510	0.507
7200	2.1770	1.8651	1.5115	0.463
7201	1.5670	1.3480	1.0921	0.492
7202	0.0157	0.0138	0.0115	0.489
7203	0.0845	0.0762	0.0653	0.568
7204	0.0000	0.0000	0.0000	0.500
7205	0.0000	0.0000	0.0000	0.500
7301	0.6152	0.5545	0.4810	0.436
7302	0.7492	0.6758	0.5848	0.451
7307	0.4081	0.3616	0.3021	0.529
7308	0.2507	0.2240	0.1883	0.581
7309	0.1974	0.1769	0.1496	0.570
7400	2.5036	2.1448	1.7382	0.463

Expected Loss Rates in Dollars Per Sq. Ft.

of Wallboard Installed

Class	2020	2021	2022	Primary Ratio
540	0.0123	0.0108	0.0091	0.459
541	0.0067	0.0059	0.0050	0.435
550	0.0274	0.0242	0.0209	0.338
551	0.0096	0.0085	0.0072	0.376

TOTAL LOSS AFTER DEDUCTION			PRIMARY LOSS
	5,000		5,000
	10,000		10,000
	15,000		15,000
	((22,670		22,670
	26,839		25,000
	38,245		30,000
	54,915		35,000
	81,584		40,000
	131,105		45,000
	176,118		47,500
	382,810	**	52,047))
	25,170		25,170
	34,402		30,000
	47,323		35,000
	65,881		40,000
	94,796		45,000
	116,286		47,500
	405,520	**	57,562

Expected Loss Range			Maximum Experience Modification
((1	-	5,356	0.90
5,357	-	6,539	0.89
6,540	-	7,212	0.88
7,213	-	7,885	0.87
7,886	-	8,559	0.86
8,560	-	9,232	0.85
9,233	-	9,905	0.84
9,906	-	10,579	0.83
10,580	-	11,252	0.82
11,253	-	11,951	0.81
11,952	-	12,679	0.80
12,680	-	13,436	0.79
13,437	-	14,221	0.78
14,222	-	15,035	0.77
15,036	-	15,877	0.76
15,878	-	16,749	0.75
16,750	-	17,649	0.74
17,650	-	18,577	0.73
18,578	-	19,534	0.72
19,535	-	20,520	0.71
20,521	-	21,535	0.70
21,536	-	22,578	0.69
22,579	-	23,650	0.68
23,651	-	24,751	0.67
24,752	-	25,880	0.66
25,881	-	27,038	0.65
27,039	-	28,775	0.64
28,776	-	31,381	0.63
31,382	-	35,289	0.62
35,290	-	41,152	0.61
41,153	and higher		0.60))
1	-	5,490	0.90
5,491	-	6,703	0.89
6,704	-	7,392	0.88
7,393	-	8,082	0.87
8,083	-	8,772	0.86
8,773	-	9,462	0.85
9,463	-	10,152	0.84
10,153	-	10,841	0.83
10,842	-	11,531	0.82
11,532	-	12,248	0.81
12,249	-	12,995	0.80
12,996	-	13,771	0.79
13,772	-	14,576	0.78
14,577	-	15,411	0.77
15,412	-	16,274	0.76
16,275	-	17,168	0.75
17,169	-	18,090	0.74
18,091	-	19,042	0.73
19,043	-	20,023	0.72
20,024	-	21,034	0.71
21,035	-	22,074	0.70
22,075	-	23,143	0.69
23,144	-	24,242	0.68
24,243	-	25,370	0.67
25,371	-	26,527	0.66
26,528	-	27,714	0.65
27,715	-	29,494	0.64
29,495	-	32,164	0.63
32,165	-	36,169	0.62
36,170	-	42,177	0.61
42,178	and higher		0.60

((Base Rates Effective January 1, 2023
Class	Accident Fund	Stay at Work	Medical Aid Fund
101	1.4355	0.0234	0.5240
103	1.5658	0.0251	0.8182
104	1.2396	0.0202	0.4606
105	1.2645	0.0202	0.6855
106	2.9430	0.0466	1.8831
107	1.2170	0.0197	0.4776
108	1.2396	0.0202	0.4606
112	0.9580	0.0154	0.4448
201	3.1875	0.0522	0.9727
202	2.6725	0.0436	0.9114
210	1.3632	0.0221	0.5211
212	1.1705	0.0189	0.5169
214	2.4333	0.0398	0.7488
217	1.4027	0.0227	0.6107
219	0.9948	0.0161	0.4080
301	1.1791	0.0188	0.6610
302	2.7434	0.0446	1.0005
303	2.3240	0.0376	0.9498
306	1.0399	0.0169	0.4191
307	1.0218	0.0165	0.4798
308	0.6698	0.0106	0.4502
403	2.1140	0.0342	0.8931
502	1.1690	0.0190	0.4360
504	2.4599	0.0397	1.0714
507	3.6696	0.0587	1.9822
508	2.2812	0.0374	0.6474
509	1.3855	0.0227	0.3819
510	2.9145	0.0468	1.4344
511	1.7012	0.0275	0.7322
512	1.4801	0.0238	0.7252
513	1.1159	0.0180	0.4893
514	1.4943	0.0239	0.7772
516	1.9538	0.0315	0.8606
517	2.2573	0.0366	0.9251
518	1.6616	0.0270	0.6106
519	2.0796	0.0337	0.8328
521	0.8495	0.0136	0.4286
601	0.7015	0.0114	0.2693
602	1.0776	0.0177	0.2826
603	1.1826	0.0193	0.3902
604	1.3520	0.0217	0.6950
606	0.6786	0.0109	0.3413
607	0.9974	0.0161	0.4308
608	0.5994	0.0098	0.2109
701	2.3587	0.0386	0.7199
803	0.8124	0.0131	0.3627
901	1.6616	0.0270	0.6106
1002	1.1206	0.0182	0.4512
1003	0.8210	0.0132	0.3726
1004	0.6458	0.0105	0.2226
1005	12.4814	0.2032	4.4519
1006	0.3028	0.0049	0.1482
1007	0.4355	0.0070	0.2054
1101	1.5212	0.0246	0.6742
1102	2.4883	0.0406	0.8153
1103	1.4402	0.0233	0.5914
1104	0.7953	0.0127	0.4488
1105	1.0969	0.0177	0.4625
1106	0.4441	0.0070	0.2903
1108	0.5887