Experience Mod Analysis
Identify factors impacting your mod score and model future impact.
Mod factor breakdown
Claim frequency78%
Severity reserves54%
Payroll volume41%
Class code mix32%
Workers' Compensation Performance Intelligence
Optimize Your Workers' Compensation Performance.
Identify the hidden factors driving your workers' compensation costs and build a smarter path toward lower premiums, safer operations, and stronger profitability.
- Avg Mod Reduction
- 0.18
- Claim Frequency
- −34%
- Payroll Accuracy
- 99.4%
optimod / performance review
Live
Experience Mod
▼ 0.18 YoY0.92
Industry avg 1.00
Risk Index
Low
050100
Claim Frequency
−34%
vs prior 3y
Payroll Accuracy
99.4%
audit-ready
Class Codes
12 / 14
verified correct
Active Findings
3 prioritized
- HighTwo open claims missing RTW documentation
- MedClass code 5403 may be reclassifiable to 5474
- LowPayroll cap not applied to executive officers
The 1.0 Myth
A 1.00 experience mod isn't good. It's a C grade.
Most brokers target 1.00 because it's the industry average — the math midpoint of your peers. No business sets out to be average. So why settle for an average mod?
Experience Mod Report Card
F
1.25+
Disqualified from bids
C
1.00
Industry average — what most brokers target
B
0.85
Good. But still leaving money on the table.
A+
0.68 Your minimum
Your XMod minimum. Where OptiMOD takes you.
The Math
If your industry minimum is 0.68 and your mod sits at 1.00, you're paying 32% more than you should — every single year.
At 1.00
$100,000
annual WC premium
→
At 0.68
$68,000
your minimum
Cash back into your business+$32,000 / yr
That's the difference between a Shula's ribeye cowboy steak and the $14 lunch special at the corner cafe. Other workers' comp programs serve you the lunch special. OptiMOD plates the ribeye — with the people, the technology, and the coaching to take you from average to your XMod minimum.
Do you know your business's XMod minimum?
Find My MinimumThe Cost of a High Mod
Your experience mod impacts more than insurance costs.
Workers' compensation performance shows up everywhere — pricing, bidding, profitability, and operations.
01
Higher Premiums
Every 0.10 increase in your mod can add 10% to annual workers' comp spend.
02
Lost Competitiveness
A mod above 1.00 disqualifies bids on a growing share of contracts.
03
Increased Bid Costs
Surety, GLs, and prime contractors price your mod into every project.
04
Reduced Profitability
Workers' comp is one of the largest controllable operating expenses.
05
Higher Claim Frequency
Frequency, not severity, has the largest impact on mod calculations.
Reality on the street
Many public works, GC prequals, and Fortune-500 vendor programs require a mod at or below 1.00 to bid.
The pricing reality
Your mod is a direct multiplier on premium. Every 0.10 above your minimum is real dollars out of your business — every year.
How OptiMOD Works
A five-step performance loop.
From diagnostic to ongoing optimization — built into one workflow.
Analyze
Review claims, payroll, classifications, and mod history.
Identify
Find hidden drivers of workers' compensation costs.
Prioritize
Focus on the issues creating the greatest financial impact.
Improve
Implement safety, claims, and operational strategies.
Monitor
Track progress and continuously improve performance.
The OptiMOD Framework
Five pillars of workers' compensation performance.
Claims Intelligence
Analyze claim trends, loss drivers, and reserve accuracy.
Classification Review
Verify workers are properly classified to NCCI rules.
Payroll Accuracy
Reduce audit surprises and correct payroll reporting errors.
Safety Optimization
Strengthen safety culture and reduce incident frequency.
Who We Help
Built for industries where workers' comp moves the bottom line.
Construction
High-frequency, high-severity exposures with bid sensitivity to mod scores.
See industry brief →Contractors
Subcontractor management, classification mix, and certificate compliance.
See industry brief →Fleet Operations
Driver injuries, MVR programs, and DOT-driven safety expectations.
See industry brief →Manufacturing
Repetitive motion, ergonomics, and machine-guarding loss drivers.
See industry brief →Distribution
Material handling, warehouse safety, and seasonal payroll swings.
See industry brief →Restaurants
Burns, slips, and lacerations driving claim frequency.
See industry brief →Fitness Facilities
Member-related and trainer injuries in a misunderstood class code mix.
See industry brief →Service Businesses
Clerical vs. field exposure separation and accurate payroll capture.
See industry brief →What We Uncover
The gaps that quietly inflate your mod.
A diagnostic across the operational, financial, and classification layers of your workers' comp program.
- Incorrect class codes
- Claims management gaps
- Payroll reporting errors
- Return-to-work deficiencies
- Safety program weaknesses
- Mod calculation concerns
- Operational risk exposures
Results
Performance that compounds across policy cycles.
0%
Reduction in claim frequency
Across multi-year client cohorts
0%
Improvement in safety scores
Lagging + leading indicators
0%
Payroll accuracy at audit
Zero-surprise audit posture
0%
Long-term WC cost reduction
Within three policy cycles
Client Outcomes
“OptiMOD found six-figure savings inside the first quarter — issues our broker had missed for years.”
Operations Director
Regional General Contractor
Ready to improve your workers' compensation performance?
Get an OptiMOD review tailored to your operations, classifications, and claims history.