Focus List Alert Criteria

• Risk Control Assessment Score < 75% one year after joining the captive
• Frequency Rate (OSHA recordables per 100 full time employees) above the industry average (most recent complete calendar year)
• Severity Rate (OSHA lost workday cases per 100 full time employees) above the industry average (most recent complete calendar year)
• Lag time over captive average (most recent complete policy year)
• Two consecutive complete policy years, each with a Loss Ratio (funding based losses compared to loss fund) 90% or higher for the 2 most recent complete policy years.

Once a member triggers 3 or more of the Focus List Criteria, and/or has caused any risk sharing (A Fund or B Fund) in any of the previous 2 complete policy years, that member will be placed on the Focus List.

If need be, additional loss control service time may be provided to the member from the captive's loss control allocation, or the member may be asked to pay for additional service directly.

If a member is on the Focus List for 2 consecutive years, that member will be referred to the Underwriting Committee, along with any supporting documentation, for review and/or possible sanctions, up to and including the possibility of non-renewal.