Workers’ Compensation Insurance Rating Bureau of California®
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Notice
This California Retrospective Rating Plan (Plan) was developed by the Workers’ Compensation Insurance Rating
Bureau of California for the convenience of its users. This Plan was submitted to the Insurance Commissioner for
informational purposes, but does not bear the official approval of the California Department of Insurance and is not
a regulation. An insurer must make an independent assessment regarding its use of this Plan based upon its
particular facts and circumstances.
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California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 1—General Provisions ................................................................................................................................................. 1 I. General Purpose
1 II. General Definitions
1 Part 2—Application of Retrospective Rating ..................................................................................................................... 2 I. Eligibility Requirements
2 II. Retrospective Rating Plan Supplementary to the Experience Rating Plan
2 Part 3—Retrospective Rating Procedure ........................................................................................................................... 3 I. Retrospective Premium Formula
3 II. Description of Elements Used in this Plan
3 III. Retrospective Premium Computation
6 Part 4—Cancellation of Policy Subject to Retrospective Rating ...................................................................................... 8 I. Cancellation by the Employer Except When Retiring from Business
8 II. Cancellation by the Carrier or by an Employer When Retiring from Business
8 Appendix A ........................................................................................................................................................................... 9 Sample Computation of the Basic Premium Factor
9 Attachment 1 – Illustrative Supporting Calculation of Risk California Hazard Group Severity Multiplier (RSM),
Risk Loss Elimination Ratio (RLER), Losses Used for Expected Loss Group Selection (LUGS), and LER
Adjustment
13 Attachment 2 – Table of Expected Limited Loss Ranges/Pure Loss Ranges for Expected Limited Loss Groups
(ELLGs) — $100,000 per Accident Loss Limitation
15 Attachment 3 – Table of Limited Loss Insurance Charges (Excerpt) $100,000 per Accident Loss Limitation
16 Attachment 4 – Table of Expected Limited Loss Ranges/Loss and ALAE Ranges for Expected Limited Loss and
ALAE Groups (ELLAGs) $100,000 per Accident Loss and ALAE Limitation
18 Attachment 5 – Table of Limited Loss and ALAE Insurance Charges (Excerpt) $100,000 per Accident Loss and
ALAE Limitation
19 Appendix B ......................................................................................................................................................................... 21 Determination of Risk California Hazard Group Severity Multiplier (RSM), Risk Loss Elimination Ratio (RLER),
Losses Used for Expected Loss Group Selection (LUGS), and LER Adjustment
21 Table 1 – Table of Classifications by California Hazard Group
23 Table 2 – Table of Loss Elimination Ratios by California Hazard Group
25 Table 3 – Table of Loss and ALAE Elimination Ratios by California Hazard Group
26 Table 4 – Table of California Pure Loss Hazard Group Severity Multipliers
27 Table 5 – Table of California Loss and ALAE Hazard Group Severity Multipliers
28 Appendix C ......................................................................................................................................................................... 29 Determination of Insurance Charges
29 Table EULG – Table of Expected Unlimited Loss Ranges/Pure Loss Ranges for Expected Unlimited Loss
Groups (EULGs)
32 Table EULAG – Table of Expected Unlimited Loss Ranges/Loss and ALAE Ranges for Expected Unlimited Loss
and ALAE Groups (EULAGs)
33 Table M – Table of Pure Unlimited Loss Insurance Charges
34 Table MA – Table of Unlimited Loss and ALAE Insurance Charges
69 Appendix D ....................................................................................................................................................................... 105 Expense-Related Rating Values
105 RETROSPECTIVE PREMIUM ENDORSEMENT .............................................................................................................. 107 i
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
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ii
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 1—General Provisions
I. General Purpose
Part 1—General Provisions
This California Retrospective Rating Plan was developed by the Workers’ Compensation Insurance Rating
Bureau of California (WCIRB) for the convenience of its users. This Plan was submitted to the Insurance
Commissioner for review, however, it does not bear the official approval of the California Department of
Insurance and is not a regulation. An insurer must make an independent assessment regarding its use of this
Plan based upon its particular facts and circumstances.
I.
General Purpose
1.
Retrospective rating provides for the adjustment of a risk’s standard premium for workers’
compensation insurance after expiration of its policy or policies (if combined for retrospective rating)
based on the loss experience developed under the policy or policies.
2.
Application of this Plan is optional for those risks that are eligible and may be used upon agreement
of the insurer and the insured. The coverage is provided by a standard workers’ compensation and
employers’ liability policy with the retrospective premium endorsement.
II. General Definitions
1.
Employer means one or more entities meeting the ownership standards for experience rating
purposes set forth in the California Workers’ Compensation Experience Rating Plan—1995.
2.
Experience Rating shall mean an experience modification computed in accordance with the California
Workers’ Compensation Experience Rating Plan—1995 approved by the Insurance Commissioner of
the State of California.
3.
Risk shall mean and include all insured operations of an employer subject to this Plan.
4.
Rates mean the insurer’s authorized cost per exposure base unit prior to the application of individual
risk variations based on loss or expense considerations.
5.
Standard Premium is the workers’ compensation insurance premium for the risk determined on the
basis of the insurer’s authorized rates, the exposure subject to this Plan, any applicable experience
modifications and shall include any other authorized premium charge applicable, excluding premium
discount. Standard premium shall exclude premium charges arising from the Terrorism Risk
Insurance Act of 2002 as amended and extended by the Terrorism Risk Insurance Program
Reauthorization Act of 2015, and as may be amended in the future.
6.
Premium Discount is a Plan that recognizes, through premium adjustments, that the expense of
issuing and servicing larger premium policies is a smaller percentage of premium than for smaller
policies.
1
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 2—Application of Retrospective Rating
I. Eligibility Requirements
Part 2—Application of Retrospective Rating
I.
Eligibility Requirements
1.
A risk is eligible if the estimated standard premium for the policy or policies, which will be subject to
the Plan, is at least $25,000.
2.
A risk is eligible for the large risk alternative rating option if the estimated standard premium subject
to the Plan is at least $500,000.
II. Retrospective Rating Plan Supplementary to the Experience Rating Plan
The Retrospective Rating Plan is independent of and superimposed upon experience rating. Even though
the insured has elected this Plan, the insured shall continue to be experience rated in accordance with the
provisions of the California Workers’ Compensation Experience Rating Plan—1995.
2
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 3—Retrospective Rating Procedure
I. Retrospective Premium Formula
Part 3—Retrospective Rating Procedure
I.
Retrospective Premium Formula
1.
Retrospective Premium Formula. The retrospective premium, subject to a minimum retrospective
premium and a maximum retrospective premium, shall be computed by multiplying the sum of the
following by the tax multiplier:
a. The basic premium; and
b. The converted losses
subject to the minimum retrospective premium and the maximum retrospective premium.
2.
Multiple Policies. If a risk subject to this Plan is covered under two or more policies combined for
retrospective rating, a single retrospective premium will be computed on the basis of the combined
policies, not individually for each policy.
3.
Calculation of Elements. The basic premium, converted losses, tax multiplier, minimum retrospective
premium and maximum retrospective premium, as well as other related elements, are calculated as
described in Section II.
4.
Large Risk Alternative Rating Option. Risks with an estimated workers’ compensation standard
premium subject to this Plan of $500,000 or more may be retrospectively rated as mutually agreed
upon by the insurer and the insured.
5.
Allocated Loss Adjustment Expense Option. If mutually agreed upon by the insurer and the insured,
actual allocated loss adjustment expenses incurred against the policy can be included in the
retrospective calculation with the expense allowance and expected loss ratio adjusted accordingly.
II. Description of Elements Used in this Plan
1.
Standard Premium. Standard premium is the workers’ compensation insurance premium for the risk
determined on the basis of the insurer’s authorized rates, the exposure subject to this Plan, any
applicable experience modifications and shall include any other authorized premium charge
applicable, excluding premium discount. Standard premium shall exclude premium charges arising
from the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism Risk
Insurance Program Reauthorization Act of 2015, and as may be amended in the future.
2.
Incurred Losses. Incurred losses used in the retrospective rating formula are the actual losses paid
and outstanding, incurred against the policy, including allocated loss adjustment expenses on
employers’ liability losses. The incurred losses used in the formula shall be consistent with the
definition of incurred indemnity and incurred medical in the California Workers’ Compensation
Uniform Statistical Reporting Plan—1995. However, incurred losses directly arising from certified
terrorism losses, as defined by the Terrorism Risk Insurance Act of 2002 as amended and extended
by the Terrorism Risk Insurance Program Reauthorization Act of 2015, and as may be amended in
the future, reported with a Catastrophe Code assigned pursuant to the California Workers’
Compensation Uniform Statistical Reporting Plan—1995, shall not be used in the retrospective rating
formula.
3.
Allocated Loss Adjustment Expenses. Allocated loss adjustment expenses (ALAE) represent the
expenses of an insurer, in connection with handling a claim, which can be directly allocated to a
particular claim. If mutually agreed upon between the insurer and insured, allocated loss adjustment
expenses on workers’ compensation claims incurred against the policy will be included in the
retrospective calculation. The allocated loss adjustment expenses to be used in the formula shall be
3
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 3—Retrospective Rating Procedure
II. Description of Elements Used in this Plan
as defined in the California Workers’ Compensation Uniform Statistical Reporting Plan—1995.
However, allocated loss adjustment expenses directly arising from certified terrorism losses, as
defined by the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism
Risk Insurance Program Reauthorization Act of 2015, and as may be amended in the future, reported
with a Catastrophe Code assigned pursuant to the California Workers’ Compensation Uniform
Statistical Reporting Plan—1995, shall not be used in the retrospective rating formula.
4.
Expense Allowance. The expense allowance is the average provision for total expenses for the
insured, excluding that provided through the tax multiplier. Provisions for expenses are included in
Appendix D and are shown separately, including ALAE and excluding ALAE, if the ALAE option is
elected.
5.
Basic Premium. The basic premium is the product of the standard premium and a factor referred to
as the basic premium factor. The basic premium factor is computed based on the expense ratios
included in Appendix D, the selected loss conversion factor (LCF), the appropriate table of insurance
charges, and the per accident loss limitation, if one is selected.
The basic premium is intended to provide for (a) the insurer’s expenses, including profit and
contingencies, other than those provided for by the LCF and the tax multiplier and (b) the net cost of
limiting the retrospective premium to be between the minimum retrospective premium and the
maximum retrospective premium, and (c) an excess loss premium if a per accident loss limitation is
selected.
The basic premium factor is determined as the sum of the following elements (see Appendix A for a
sample computation of the basic premium factor):
a. Expense and LCF Adjustment in Basic Premium Factor. The expense and LCF adjustment in
basic premium factor is determined as the expense allowance for the risk (Item 4 above), less the
provision for expenses provided through the LCF (Item 6 below).
Expense and LCF Adjustment
in Basic Premium Factor
=
Expense Allowance - Expense Provided through LCF;
where
Expense Provided through LCF
=
Expected Loss Ratio x (LCF - 1.0)
b. Net Insurance Charge. The net insurance charge is the difference between the charge resulting
from limiting the retrospective premium to the maximum retrospective premium and the savings
resulting from limiting the retrospective premium to the minimum retrospective premium,
multiplied by the product of the expected loss ratio and the LCF. Table L insurance charges
include an average charge for the per accident loss limitation when one is selected.
6.
Loss Conversion Factor (LCF). The LCF is established by agreement of the insured and insurer. The
selected LCF should not be large enough to result in negative expenses in the calculation of the
basic premium factor.
4
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 3—Retrospective Rating Procedure
II. Description of Elements Used in this Plan
7.
Converted Losses. Converted losses are the product of the incurred losses and, if elected, allocated
loss adjustment expenses of the risk for the policy period to which this Plan is applicable and the
LCF.
Converted Losses
=
Incurred Losses x LCF
or if ALAE option is elected
Converted Losses
=
(Incurred Losses + ALAE) x LCF
8.
Tax Multiplier. The tax multiplier primarily reflects the cost of premium taxes and other miscellaneous
costs that the insurer pays based on premium that is not otherwise provided for in this Plan. The tax
multiplier is included in Appendix D.
9.
Minimum Retrospective Premium. The minimum retrospective premium is determined by multiplying
the standard premium subject to this Plan by the minimum retrospective premium ratio. The minimum
retrospective premium ratio is established by agreement between the insured and insurer.
Minimum Retrospective Premium
=
Standard Premium x Minimum Retrospective Premium Ratio
10. Maximum Retrospective Premium. The maximum retrospective premium is determined by multiplying
the standard premium subject to this Plan by the maximum retrospective premium ratio. The
maximum retrospective premium ratio is established by agreement between the insured and insurer.
Maximum Retrospective Premium
=
Standard Premium x Maximum Retrospective Premium Ratio
11. Expected Loss Ratio. The expected loss ratio represents the total anticipated provision for losses
and, if elected, allocated loss adjustment expenses as a proportion of standard premium for the risk.
The expected loss ratio(s) to be used for risks subject to this Plan are included in Appendix D.
12. Expected Losses. Expected losses are the product of the standard premium (Item 1 above) and the
expected loss ratio (Item 11 above).
13. Tables of Insurance Charges. The Tables of Insurance Charges are the basis upon which the
insurance charges and savings reflected in this Plan are computed. Appendix C includes a Table “M”
that contemplates unlimited losses and a Table “MA” that contemplates unlimited loss and ALAE
combined. Additional tables for losses only (Table “L’s”) and for loss and ALAE combined (Table
“LA’s”), corresponding to 25 per accident loss limitations (see Appendix C), are part of this Plan, are
incorporated by reference herein and are available from the WCIRB on request. The tables are
segregated by expected limited loss or expected limited loss and ALAE group and show, for each
entry ratio (ratio of losses to expected limited losses), the following:
a. A percentage representing the premium charge for providing insurance against the possibility that
the risk’s incurred losses and, if elected, allocated loss adjustment expenses may produce a
retrospective premium greater than the selected maximum retrospective premium.
b. A percentage representing the premium savings for providing insurance against the possibility
that the risk’s incurred losses and, if elected, allocated loss adjustment expenses, may produce a
retrospective premium less than the selected minimum retrospective premium.
Determination of the insurance charge and savings for application in this Plan is discussed in
detail in the Sample Computation of the Basic Premium Factor included as Appendix A.
14. Risk California Hazard Group Severity Multiplier (RSM). The risk California hazard group severity
multiplier is applied to the expected losses (including ALAE, if elected) prior to selection of the
expected limited loss group for use in determining insurance charges. This multiplier is intended to
5
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 3—Retrospective Rating Procedure
III. Retrospective Premium Computation
reflect the impact on the insurance charge of differences in claim severities by California hazard
group. The RSMs for losses only and for losses and ALAE are contained in Tables 4 and 5,
respectively, of Appendix B.
15. Per Accident Loss Limitation. This is the amount to which the cost of each individual accident is
limited. This is an elective element. The per accident loss limitation selected shall not exceed 50% of
the unlimited expected losses. If the ALAE option is elected, this per accident loss limitation applies
to the sum of a single accident’s losses and allocated loss adjustment expenses.
16. Risk Loss Elimination Ratio (RLER). The risk loss elimination ratio represents the percentage of total
expected losses and, if elected, ALAE for the risk estimated to exceed the selected per accident loss
limitation, if any. It is computed in accordance with the procedures specified in Appendix B.
17. Losses Used for Expected Loss Group Selection (LUGS). The losses and, if elected, ALAE used for
expected loss group selection are used to determine the expected loss group (limited or unlimited) or
expected loss and ALAE group (limited or unlimited) to use as the basis upon which the insurance
charge and savings are determined. It is intended to reflect the impact of the selected per accident
loss limitation (if any) and the hazard group(s) of the risk on the potential of the risk to exceed the
loss level underlying the maximum retrospective premium or to be less than the loss level underlying
the minimum premium. As specified in Appendix B, this factor is determined by the following formula:
LUGS
= Expected Unlimited Losses (including, if elected, ALAE) x RSM x (1 - RLER)
18. Risk Excess Loss Factor. The risk excess loss factor represents the losses and, if elected, ALAE that
are anticipated to be incurred above the per accident loss limitation, represented as a percentage of
standard premium, if any such election was agreed upon by the insured and insurer. It is computed
as the product of the risk loss elimination ratio (RLER) and the expected loss ratio.
19. Excess Loss Premium. The excess loss premium is an elective element in the retrospective premium
formula and is determined as the product of the standard premium (Item 1 above), the risk excess
loss factor (Item 18 above) and the loss conversion factor (Item 6 above). It is intended to reflect the
cost of the per accident loss limitation, if any, agreed upon by the insurer and the insured. It is
determined by the following formula:
Excess Loss Premium
= Standard Premium x Risk Excess Loss Factor x Loss Conversion Factor
III. Retrospective Premium Computation
1.
The first computation of the retrospective premium will be based upon incurred losses valued as of
the sixth month subsequent to the month in which the last policy subject to the Plan expired or was
cancelled, unless the insurer and insured agree to value incurred losses other than as provided
herein. The first computation of the retrospective premium shall be made as soon as practical after
the incurred losses have been prepared.
2.
If the insurer and insured agree, the first computation of retrospective premium will be the final
adjustment of premium under this Plan. In the absence of such an agreement, additional
retrospective premium computations will be made by the insurer based on incurred losses valued at
twelve (12) month intervals after the first valuation of losses (or such other intervals agreed upon by
the insurer and insured) until the insurer and insured both agree that the latest computation shall be
the final computation.
3.
The final computation of the retrospective premium shall not be subject to revision other than for
clerical error.
6
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 3—Retrospective Rating Procedure
III. Retrospective Premium Computation
4.
In cases involving bankruptcy, liquidation, reorganization, receivership, assignment for benefit of
creditors, or other similar situations, the insurer may make an early computation of retrospective
premium.
7
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Part 4—Cancellation of Policy Subject to Retrospective Rating
I. Cancellation by the Employer Except When Retiring from Business
Part 4—Cancellation of Policy Subject to Retrospective Rating
I.
Cancellation by the Employer Except When Retiring from Business
The retrospective premium shall be computed in accordance with the procedures specified in Part 3,
except as noted herein.
The standard premium for each policy providing coverage for all or a portion of the operation shall be
separately computed at short rates in accordance with the short-rate cancellation table, if any, in use by
the insurer. The sum of the short-rate standard premium for each policy shall be the minimum
retrospective premium. If a short-rate table has not been authorized for use by the insurer, the standard
premium shall be computed on a pro rata basis.
The maximum retrospective premium shall be determined by extending the standard premium for each
policy separately, to the full policy period on a prorated basis, and multiplying the sum of the extended
standard premium for each policy by the agreed upon maximum retrospective premium ratio.
The basic premium shall be determined by multiplying the sum of the short-rate standard premium for
each policy by the basic premium factor determined in accordance with this Plan for such sum.
II. Cancellation by the Carrier or by an Employer When Retiring from Business
The retrospective rating premium shall be computed in accordance with the procedure specified in Part 3,
except that in the event of cancellation because of non-payment of premium, the maximum retrospective
premium shall be determined as described in Section I of this Part.
8
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Sample Computation of the Basic Premium Factor
Appendix A
Sample Computation of the Basic Premium Factor
Assume the Plan Agreement Provides*
A. Minimum Retrospective Premium Ratio Negotiated
B. Maximum Retrospective Premium Ratio Negotiated
C. Loss Conversion Factor Negotiated
D. Per Accident Loss Limitation Negotiated
Hypothetical Expense, Profit and Contingencies Provision (Excluding Taxes
E.
Reflected in Tax Multiplier)
F. Hypothetical Expected Loss (and ALAE) Ratio
G. Hypothetical Tax Multiplier
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
Estimated Standard Premium
Expected Losses (and ALAE for ALAE Option) (1) x (F)
Risk Excess Loss Factor (Attachment 1, Item 9, for Example A)
Expected Limited Loss Ratio (F) - (3)
Expenses (Excluding Taxes Reflected in Tax Multiplier) (E) x (1)
Expected Loss, Expense, Profit and Contingencies Ratio (E) + (F)
Converted Total Loss Ratio (C) x (F)
Expense Net of LCF Adjustment in Basic Premium Factor
(E) - { [ (C) - 1.0 ] x (F) }
Minimum Retrospective Premium Excluding Taxes [ (A) ÷ (G) ]
Maximum Retrospective Premium Excluding Taxes [ (B) ÷ (G) ]
Losses Used for Expected Loss Group Selection (LUGS)
(Attachment 1, Item 11, for Example A)
Expected Limited Loss Group for LUGS
(Attachment 2, Table ELLG-100K, for Example A and
Attachment 4, Table ELLAG-100K, for Example B)
13. Insurance Charge Difference [ (6) - (9) ] / [ (C) x (F) ]
14. Entry Ratio Difference [ (10) - (9) ] / [ (C) x (F) ]
15. Ratio of Losses Producing Minimum Retrospective Premium to Expected
Unlimited Losses
16. Ratio of Losses Producing Maximum Retrospective Premium to Expected
Unlimited Losses
17. Table M or Table L Charge for (16)
18. Table M or Table L Savings for (15)
19. Net Insurance Charge Including Loss Elimination Ratio in Table L
for Loss Limit (If Elected) [ (17) - (18) ] x (C) x (F)
20. Basic Premium Factor before LER Adjustment [ (8) + (19) ]
21. LER Adjustment (Attachment 1, Item 16, for Example A)
22. Basic Premium Factor + Risk Excess Premium Factor [ (20) + (21) ]
Note: Item (21) may be negative.
*
Example A
Losses Only
60%
140%
1.1000
$100,000
Example B
Loss and ALAE
60%
140%
1.1000
$100,000
0.2000
0.6500
1.0240
0.0875
0.7625
1.0240
$769,231
$500,000
0.3973
0.2527
$153,846
0.85
0.7150
$769,231
$586,500
0.4773
0.2852
$67,308
0.85
0.8387
0.1350
0.0113
0.586
1.367
0.586
1.367
$165,979
$188,861
59
60
0.369
0.315
1.09
0.93
0.06
0.10
1.15
0.578
0.006
1.03
0.596
0.012
0.4090
0.5440
0.0366
0.5806
0.4898
0.5011
0.0403
0.5414
All values are hypothetical and for illustrative purposes only. Actual ratios to be used by insurer are included in
Appendix D.
9
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Sample Computation of the Basic Premium Factor
The procedures used to establish the values and factors in the preceding example are as follows:
1.
Estimated Standard Premium
This is the estimated standard premium for the risk subject to this Plan.
2.
Expected Losses
The expected losses equal the estimated standard premium multiplied by the expected loss ratio. The
expected loss ratio applicable to a particular risk is included in Appendix D. (The figure shown in the
example is hypothetical, for illustrative purposes only.)
3.
Risk Excess Loss Factor
This factor represents the losses and, if elected, ALAE anticipated to be incurred above the per accident
loss limitation, expressed as a proportion of standard premium. It is computed for this example in
Attachment 1 in accordance with the procedures specified in Appendix B.
4.
Expected Limited Loss Ratio
This ratio is determined by subtracting the risk excess loss factor from the expected loss ratio.
5.
Expenses (Excluding Taxes Reflected in the Tax Multiplier)
The total expenses for the insured, including profit and contingency, but excluding the expenses
expected to be collected via the tax multiplier, are based on the provisions for expenses in Appendix D.
(The amount shown in the example is hypothetical, for illustrative purposes only.)
6.
Expected Loss, Expense, Profit and Contingencies Ratio
This ratio is obtained as the sum of the expected loss ratio and the expense, profit and contingencies
ratio.
7.
Converted Total Loss Ratio
This factor, which represents the anticipated loss and expenses to be provided through the loss (and
ALAE, if elected) component of this Plan, is the product of the expected loss ratio and the LCF.
8.
Expense Net of LCF Adjustment in Basic Premium Factor
This factor represents the difference between the expense, profit and contingencies ratio and the
expenses provided through the LCF.
9.
Minimum Retrospective Premium Excluding Taxes
This is the minimum percentage of standard premium that can result from application of this Plan,
adjusted by the tax multiplier. The minimum retrospective premium ratio is determined by agreement of
the insured and insurer.
10.
Maximum Retrospective Premium Excluding Taxes
This is the maximum percentage of standard premium that can result from application of this Plan,
adjusted by the tax multiplier. The maximum retrospective premium ratio is determined by agreement of
the insured and insurer.
11.
Losses Used for Expected Loss Group Selection (LUGS)
This amount is the basis upon which the insurance charge and savings for the risk are determined. It
reflects the expected losses including, if elected, ALAE adjusted for (a) the risk’s potential for large
claims, as reflected by the risk California hazard group severity multiplier (RSM), and (b) the impact of
the per accident loss limitation (if any), as reflected in the risk loss elimination ratio (RLER). It is
computed for this example in Attachment 1 in accordance with the procedures specified in Appendix B.
12.
Expected (Limited) Loss Group for LUGS
This is the expected loss group, or expected limited loss group if a per accident loss limitation is
selected, corresponding to the losses used for expected loss group or, if the ALAE option is elected, loss
and ALAE group selection (LUGS), as determined from the appropriate Table of Expected (Limited)
Loss (and ALAE) Group Ranges. Tables of Expected Unlimited Loss Group Ranges (Table EULG) and
10
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Sample Computation of the Basic Premium Factor
Expected Unlimited Loss and ALAE Group Ranges (Table EULAG) are included in Appendix C. The
Tables of Expected Limited Loss Group Ranges and the Tables of Expected Limited Loss and ALAE
Group Ranges for 25 per accident loss limitations are available from the WCIRB. For Examples A and B,
the Tables of Expected Limited Loss (and ALAE) Group Ranges for a $100,000 per accident loss
limitation are included as Attachments 2 and 4.
13.
Insurance Charge Difference
This relates to the difference between the charges in the appropriate Table of Insurance Charges
corresponding to the selected per accident loss limitation, if any, for the entry ratios corresponding to the
minimum and maximum retrospective premium ratios. Note that the denominator of this calculation is the
Expected Unlimited Loss Ratio multiplied by the LCF, even when a loss limitation is selected. The use of
the Tables of Insurance Charges is discussed with respect to Item 14 below.
14.
Entry Ratio Difference
This relates to the difference between the entry ratios that correspond to the minimum and maximum
premium ratios shown as Items 9 and 10, respectively. Note that the denominator of this calculation is
the Expected Unlimited Loss Ratio multiplied by the LCF, even when a loss limitation is selected. Items
12, 13 and 14 are used to determine an insured’s net insurance charge using the appropriate Table M or
Table L of this Plan (see Appendix C).
For Example A (the computation for Example B which illustrates the ALAE option is done analogously
using the Table LA corresponding to a $100,000 per accident loss and ALAE limitation and the ALAE
option), refer to the column labeled “Expected Limited Loss Group 59” in Table L100K. (An excerpt of
the pertinent pages of Table L100K is included as Appendix A, Attachment 3.) Compare the charges for
entry ratios from Table L100K that differ by 1.09 (Item 14). The appropriate Table L charges for these
maximum and minimum entry ratios for this risk are those with charges that differ by approximately
0.369 (Item 13).
Entry
Ratio
Entry Ratio
+1.09
Table L100K
Charge for Entry Ratio
Table L100K
Charge for
(Entry Ratio + 1.09)
Table L100K
Charge
Difference
0.04
0.05
0.06
0.07
0.08
1.13
1.14
1.15
1.16
1.17
0.964
0.955
0.946
0.938
0.929
0.579
0.578
0.578
0.577
0.577
0.385
0.377
0.368
0.361
0.352
The pair of entry ratios whose difference most closely approximates Item 13 (0.369) is recorded in Items
15 and 16 (0.06 and 1.15).
15.
Ratio of Losses Producing Minimum Retrospective Premium to Expected Unlimited Losses
This is the entry ratio that corresponds to the selected minimum retrospective premium (see discussion
to Item 14).
16.
Ratio of Losses Producing Maximum Retrospective Premium to Expected Unlimited Losses
This is the entry ratio that corresponds to the selected maximum retrospective premium (see discussion
to Item 14).
17.
Table M or Table L Charge for (16)
This is the charge for losses and, if elected, ALAE in excess of those provided by the maximum
retrospective premium. It is determined from the appropriate Table of Insurance Charges (M or L) based
on the selected expected (unlimited or limited) loss group (Item 12) and the ratio of losses producing
maximum retrospective premium to expected unlimited losses (Item 16).
11
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Sample Computation of the Basic Premium Factor
18.
Table M or Table L Savings for (15)
This is the savings for losses and, if elected, ALAE less than those that would produce the minimum
retrospective premium. The values for savings are listed directly below the charge values in the
appropriate Table of Insurance Charges (M or L) for the ratio of losses producing the minimum
retrospective premium to expected unlimited losses (Item 15). In Example A, the savings for an entry
ratio of 0.06 for the Expected Limited Loss Group 59 is determined from Table L100K as 0.006. (See
Appendix A, Attachment 3.)
19.
Net Insurance Charge Including Loss Elimination Ratio (LER) in Table L for Loss Limit (If
Elected)
The net insurance charge is determined as the difference between (a) the charge for potential losses
and, if elected, ALAE which could produce a premium greater than the maximum retrospective premium
and (b) the savings for losses and, if elected, ALAE which could produce a premium less than the
minimum retrospective premium, multiplied by the expected unlimited loss ratio and the LCF. To avoid
overlap between the charge for loss limitation and the insurance charge, the Table Ls include the
average LER for the appropriate loss limit. The net insurance charges include the average LER for the
selected loss limit, if any.
20.
Basic Premium Factor Before LER Adjustment
The basic premium factor is the sum of the net insurance charge (line 19) and the expense and LCF
adjustment in basic premium factor (line 8).
21.
LER Adjustment
This item, calculated in Appendix B, adjusts the average LER reflected in the Table L insurance charge
to the LER specific to the risk.
22.
Basic Premium Factor After LER Adjustment
The basic premium factor after LER adjustment includes the net insurance charge and the charge for
loss limitation, at a policy year 2015 level, adjusted for the risk’s hazardousness characteristics, and the
expense and LCF adjustment in basic premium factor. The standard premium multiplied by the basic
premium factor produces the basic premium used in computing the retrospective premium.
12
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 1 – Illustrative Supporting Calculation of Risk California Hazard Group
Severity Multiplier (RSM), Risk Loss Elimination Ratio (RLER), Losses Used for
Expected Loss Group Selection (LUGS), and LER Adjustment
Attachment 1 – Illustrative Supporting Calculation of Risk California Hazard Group
Severity Multiplier (RSM), Risk Loss Elimination Ratio (RLER), Losses Used for
Expected Loss Group Selection (LUGS), and LER Adjustment
Example A
To calculate the Risk California Hazard Group Severity Multiplier (RSM), the Risk Loss Elimination Ratio
(RLER), the Losses Used for Expected Loss Group Selection (LUGS), and the LER Adjustment, assume the
unlimited expected losses are distributed by hazard group as shown in column (2) of the following table.
(1)
(2)
(3)
(4)
California Hazard
Group
(7 Groups)
Expected Unlimited
Losses (and ALAE if
Applicable)
California HG
Severity
Multiplier
1
2
3
4
5
6
7
0
0
200,000
100,000
0
100,000
100,000
1.128
1.030
1.017
0.866
0.844
0.715
0.654
Adjusted
Expected
Unlimited Losses
(2) x (3)
0
0
203,400
86,600
0
71,500
65,400
Total
$500,000
—
$426,900
(5)
(6)
LER for
Selected
$100,000 Limit
Expected Losses
Eliminated
(2) x (5)
0.505
0.533
0.567
0.595
0.628
0.643
0.684
0
0
113,400
59,500
0
64,300
68,400
—
$305,600
Notes
Column (2)
Segregate expected unlimited losses (standard premium x expected loss ratio) by California hazard group.
Column (3)
From Table 4 of Appendix B, enter the severity multiplier for each California hazard group for the selected per
accident loss limitation.
Column (5)
From Table 2 of Appendix B, enter the loss elimination ratio for each California hazard group for the selected
per accident loss limitation.
(7)
Risk California Hazard Group Severity Multiplier (RSM) [ Total (4) / Total (2) ]
0.8538
(8)
Risk Loss Elimination Ratio (RLER) [ Total (6) / Total (2) ]
0.6112
(9)
Risk Excess Loss Factor [ (8) x Expected Loss Ratio ]
0.3973
(10)
Expected Unlimited Losses [ Total (2) ]
$500,000
(11)
Losses Used for Expected Loss Group Selection (LUGS) is the product of the expected unlimited
losses, the Risk California Hazard Group Severity Multiplier (RSM) and the complement of the Risk
Loss Elimination Ratio (if applicable)
{ (10) x (7) x [ 1 – (8) ] }
$165,979
Use the column in the Table of Insurance Charges corresponding to the LUGS to develop the appropriate
insurance charges and savings from the Table of Insurance Charges corresponding to a $100,000 per accident
loss limit (L100K).
13
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 1 – Illustrative Supporting Calculation of Risk California Hazard Group
Severity Multiplier (RSM), Risk Loss Elimination Ratio (RLER), Losses Used for
Expected Loss Group Selection (LUGS), and LER Adjustment
(12)
Expected Loss Group Based on Line (11)
(13)
Loss Elimination Ratio Incorporated in Table L (Selected from the Schedule below)
59
0.560
Schedule of Loss Elimination Ratios Incorporated in Table Ls
Per Accident
Loss Limit
None
25,000
35,000
50,000
75,000
100,000
150,000
200,000
250,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1,000,000
2,000,000
3,000,000
4,000,000
5,000,000
6,000,000
7,000,000
8,000,000
9,000,000
10,000,000
Average LER Incorporated
in Table L
(No ALAE Option)
0.000
0.812
0.764
0.703
0.622
0.560
0.474
0.419
0.379
0.349
0.304
0.273
0.248
0.229
0.213
0.199
0.187
0.121
0.093
0.077
0.065
0.057
0.050
0.045
0.041
0.037
Average LER Incorporated
in Table LA
(ALAE Option)
0.000
0.827
0.782
0.723
0.643
0.578
0.486
0.425
0.381
0.347
0.299
0.265
0.240
0.220
0.203
0.190
0.178
0.113
0.086
0.070
0.060
0.052
0.046
0.042
0.038
0.034
(14)
Expected Loss, or Expected Loss and ALAE, Ratio (Appendix A, Item F)
0.650
(15)
Loss Conversion Factor (Appendix A, Item C)
1.100
(16)
LER Adjustment { [ (8) – (13) ] x (14) x (15) }
0.0366
For Example B, which illustrates the ALAE option, the computation is done analogously based on
Tables 3 and 5 of Appendix B, the Table of Expected Limited Loss and ALAE Group Ranges (Table
ELLAG-100K) and the Table of Loss and ALAE Insurance Charges for a $100,000 loss limit (Table
LA100K). See Appendix A, Attachments 4 and 5.
14
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 2 – Table of Expected Limited Loss Ranges/Pure Loss Ranges
for Expected Limited Loss Groups (ELLGs) — $100,000 per Accident Loss Limitation
Attachment 2 – Table of Expected Limited Loss Ranges/Pure Loss Ranges
for Expected Limited Loss Groups (ELLGs) — $100,000 per Accident Loss Limitation
Table L-100K
Expected Loss
Group
99
98
97
96
95
94
93
92
91
90
89
88
87
86
85
84
83
82
81
80
79
78
Table L-100K
Expected Loss
Group
77
76
75
74
73
72
71
70
69
68
67
66
65
64
63
62
61
60
59
58
57
56
Expected Limited
Loss Range
1
--1,206
1,207
--2,089
2,090
--2,955
2,956
--3,815
3,816
--4,672
4,673
--5,528
5,529
--6,383
6,384
--7,238
7,239
--8,092
8,093
--8,946
8,947
--9,800
9,801
--10,654
10,655
--11,508
11,509
--12,361
12,362
--13,215
13,216
--14,068
14,069
--14,922
14,923
--15,775
15,776
--16,628
16,629
--17,481
17,482
--18,335
18,336
--19,188
15
Expected Limited
Loss Range
19,189
--20,422
20,423
--22,105
22,106
--23,928
23,929
--25,937
25,938
--28,190
28,191
--30,715
30,716
--33,629
33,630
--36,904
36,905
--40,695
40,696
--44,990
44,991
--49,883
49,884
--55,519
55,520
--62,256
62,257
--70,847
70,848
--80,755
80,756
--93,217
93,218
--109,910
109,911
--135,569
135,570
--181,599
181,600
--286,012
286,013
--1,408,652
1,408,653
--and Over
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 3 – Table of Limited Loss Insurance Charges (Excerpt)
$100,000 per Accident Loss Limitation
Attachment 3 – Table of Limited Loss Insurance Charges (Excerpt)
$100,000 per Accident Loss Limitation
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
56
0.990
0.000
0.980
0.000
0.970
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.930
0.000
0.920
0.000
0.911
0.001
0.901
0.001
0.891
0.001
57
0.990
0.000
0.980
0.000
0.971
0.001
0.961
0.001
0.951
0.001
0.942
0.002
0.932
0.002
0.923
0.003
0.913
0.003
0.904
0.004
0.895
0.005
58
0.990
0.000
0.981
0.001
0.971
0.001
0.962
0.002
0.953
0.003
0.944
0.004
0.935
0.005
0.926
0.006
0.917
0.007
0.909
0.009
0.900
0.010
59
0.990
0.000
0.981
0.001
0.972
0.002
0.964
0.004
0.955
0.005
0.946
0.006
0.938
0.008
0.929
0.009
0.921
0.011
0.913
0.013
0.905
0.015
Expected Limited Loss Group
60
61
62
63
0.991
0.991
0.991
0.991
0.001
0.001
0.001
0.001
0.982
0.982
0.983
0.983
0.002
0.002
0.003
0.003
0.973
0.974
0.975
0.976
0.003
0.004
0.005
0.006
0.965
0.966
0.967
0.968
0.005
0.006
0.007
0.008
0.957
0.958
0.960
0.961
0.007
0.008
0.010
0.011
0.949
0.950
0.952
0.954
0.009
0.010
0.012
0.014
0.941
0.943
0.945
0.947
0.011
0.013
0.015
0.017
0.933
0.935
0.938
0.940
0.013
0.015
0.018
0.020
0.925
0.928
0.931
0.934
0.015
0.018
0.021
0.024
0.917
0.921
0.924
0.927
0.017
0.021
0.024
0.027
0.910
0.914
0.918
0.921
0.020
0.024
0.028
0.031
16
64
0.991
0.001
0.983
0.003
0.976
0.006
0.969
0.009
0.962
0.012
0.956
0.016
0.949
0.019
0.942
0.022
0.936
0.026
0.930
0.030
0.924
0.034
65
0.991
0.001
0.984
0.004
0.977
0.007
0.970
0.010
0.964
0.014
0.957
0.017
0.951
0.021
0.945
0.025
0.939
0.029
0.933
0.033
0.927
0.037
66
0.991
0.001
0.984
0.004
0.977
0.007
0.971
0.011
0.965
0.015
0.959
0.019
0.952
0.022
0.947
0.027
0.941
0.031
0.935
0.035
0.930
0.040
67
0.991
0.001
0.984
0.004
0.978
0.008
0.972
0.012
0.966
0.016
0.960
0.020
0.954
0.024
0.948
0.028
0.943
0.033
0.938
0.038
0.932
0.042
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 3 – Table of Limited Loss Insurance Charges (Excerpt)
$100,000 per Accident Loss Limitation
Attachment 3 – Table of Limited Loss Insurance Charges (Excerpt)
$100,000 per Accident Loss Limitation
Entry
Ratio
1.09
1.10
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
1.20
1.21
1.22
1.23
1.24
1.25
1.26
1.27
1.28
1.29
1.30
56
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
0.560
57
0.566
0.566
0.566
0.565
0.565
0.565
0.565
0.565
0.564
0.564
0.564
0.564
0.564
0.564
0.564
0.563
0.563
0.563
0.563
0.563
0.563
0.563
58
0.573
0.573
0.573
0.572
0.572
0.571
0.571
0.571
0.570
0.570
0.570
0.570
0.569
0.569
0.569
0.568
0.568
0.568
0.568
0.568
0.567
0.567
59
0.581
0.580
0.580
0.579
0.579
0.578
0.578
0.577
0.577
0.576
0.576
0.575
0.575
0.574
0.574
0.574
0.573
0.573
0.573
0.572
0.572
0.572
Expected Limited Loss Group
60
61
62
63
0.589
0.596
0.604
0.612
0.588
0.595
0.603
0.611
0.587
0.594
0.602
0.610
0.586
0.593
0.601
0.609
0.586
0.593
0.600
0.608
0.585
0.592
0.599
0.607
0.584
0.591
0.598
0.606
0.584
0.590
0.598
0.605
0.583
0.590
0.597
0.604
0.582
0.589
0.596
0.603
0.582
0.588
0.595
0.602
0.581
0.588
0.595
0.601
0.581
0.587
0.594
0.601
0.580
0.586
0.593
0.600
0.580
0.586
0.592
0.599
0.579
0.585
0.592
0.598
0.579
0.585
0.591
0.598
0.578
0.584
0.590
0.597
0.578
0.584
0.590
0.596
0.577
0.583
0.589
0.595
0.577
0.583
0.589
0.595
0.576
0.582
0.588
0.594
17
64
0.619
0.618
0.617
0.616
0.615
0.614
0.613
0.612
0.611
0.610
0.609
0.608
0.608
0.607
0.606
0.605
0.604
0.603
0.603
0.602
0.601
0.600
65
0.628
0.627
0.625
0.624
0.623
0.622
0.621
0.620
0.619
0.618
0.617
0.616
0.615
0.614
0.613
0.612
0.611
0.610
0.609
0.609
0.608
0.607
66
0.637
0.635
0.634
0.633
0.632
0.630
0.629
0.628
0.627
0.626
0.625
0.624
0.623
0.622
0.621
0.620
0.619
0.618
0.617
0.616
0.615
0.614
67
0.646
0.644
0.643
0.642
0.640
0.639
0.638
0.636
0.635
0.634
0.633
0.632
0.631
0.629
0.628
0.627
0.626
0.625
0.624
0.623
0.622
0.621
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 4 – Table of Expected Limited Loss Ranges/Loss and ALAE
Ranges for Expected Limited Loss and ALAE Groups (ELLAGs)
$100,000 per Accident Loss and ALAE Limitation
Attachment 4 – Table of Expected Limited Loss Ranges/Loss and ALAE
Ranges for Expected Limited Loss and ALAE Groups (ELLAGs)
$100,000 per Accident Loss and ALAE Limitation
Table LA-100K
Expected Loss
& ALAE Group
99
98
97
96
95
94
93
92
91
90
89
88
87
86
85
84
83
82
81
80
79
Table LA-100K
Expected Loss
& ALAE Group
78
77
76
75
74
73
72
71
70
69
68
67
66
65
64
63
62
61
60
59
58
Expected Limited
Loss & ALAE Range
1
--1,308
1,309
--2,266
2,267
--3,205
3,206
--4,137
4,138
--5,067
5,068
--5,995
5,996
--6,923
6,924
--7,850
7,851
--8,776
8,777
--9,703
9,704
--10,629
10,630
--11,554
11,555
--12,480
12,481
--13,406
13,407
--14,332
14,333
--15,257
15,258
--16,183
16,184
--17,108
17,109
--18,034
18,035
--18,959
18,960
--19,884
18
Expected Limited
Loss & ALAE Range
19,885
--20,810
20,811
--21,794
21,795
--23,317
23,318
--25,437
25,438
--27,720
27,721
--30,324
30,325
--33,250
33,251
--36,692
36,693
--40,671
40,672
--45,355
45,356
--50,833
50,834
--57,207
57,208
--64,586
64,587
--74,225
74,226
--86,377
86,378
--101,748
101,749
--123,650
123,651
--159,630
159,631
--241,979
241,980
--803,209
803,210
--and Over
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 5 – Table of Limited Loss and ALAE Insurance Charges (Excerpt)
$100,000 per Accident Loss and ALAE Limitation
Attachment 5 – Table of Limited Loss and ALAE Insurance Charges (Excerpt)
$100,000 per Accident Loss and ALAE Limitation
Entry
Ratio
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
58
0.940
0.000
0.931
0.001
0.921
0.001
0.911
0.001
0.901
0.001
0.891
0.001
0.882
0.002
0.872
0.002
0.862
0.002
0.853
0.003
0.843
0.003
59
0.943
0.003
0.933
0.003
0.924
0.004
0.915
0.005
0.906
0.006
0.897
0.007
0.888
0.008
0.879
0.009
0.871
0.011
0.862
0.012
0.854
0.014
60
0.946
0.006
0.937
0.007
0.928
0.008
0.920
0.010
0.912
0.012
0.904
0.014
0.895
0.015
0.888
0.018
0.880
0.020
0.872
0.022
0.864
0.024
61
0.948
0.008
0.940
0.010
0.932
0.012
0.924
0.014
0.917
0.017
0.909
0.019
0.902
0.022
0.895
0.025
0.887
0.027
0.880
0.030
0.873
0.033
Expected Limited Loss & ALAE Group
62
63
64
65
66
0.951
0.953
0.955
0.957
0.958
0.011
0.013
0.015
0.017
0.018
0.943
0.945
0.948
0.950
0.952
0.013
0.015
0.018
0.020
0.022
0.935
0.938
0.941
0.944
0.946
0.015
0.018
0.021
0.024
0.026
0.928
0.931
0.934
0.937
0.940
0.018
0.021
0.024
0.027
0.030
0.921
0.925
0.928
0.932
0.934
0.021
0.025
0.028
0.032
0.034
0.914
0.918
0.922
0.926
0.929
0.024
0.028
0.032
0.036
0.039
0.907
0.912
0.916
0.920
0.923
0.027
0.032
0.036
0.040
0.043
0.900
0.905
0.910
0.914
0.918
0.030
0.035
0.040
0.044
0.048
0.893
0.899
0.904
0.909
0.913
0.033
0.039
0.044
0.049
0.053
0.887
0.893
0.898
0.903
0.908
0.037
0.043
0.048
0.053
0.058
0.880
0.887
0.892
0.898
0.903
0.040
0.047
0.052
0.058
0.063
19
67
0.960
0.020
0.954
0.024
0.948
0.028
0.943
0.033
0.937
0.037
0.932
0.042
0.927
0.047
0.922
0.052
0.917
0.057
0.912
0.062
0.907
0.067
68
0.962
0.022
0.956
0.026
0.950
0.030
0.945
0.035
0.940
0.040
0.935
0.045
0.930
0.050
0.925
0.055
0.921
0.061
0.916
0.066
0.912
0.072
69
0.963
0.023
0.958
0.028
0.953
0.033
0.948
0.038
0.943
0.043
0.938
0.048
0.933
0.053
0.929
0.059
0.925
0.065
0.920
0.070
0.916
0.076
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix A
Attachment 5 – Table of Limited Loss and ALAE Insurance Charges (Excerpt)
$100,000 per Accident Loss and ALAE Limitation
Attachment 5 – Table of Limited Loss and ALAE Insurance Charges (Excerpt)
$100,000 per Accident Loss and ALAE Limitation
Entry
Ratio
1.01
1.02
1.03
1.04
1.05
1.06
1.07
1.08
1.09
1.10
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
1.20
1.21
1.22
58
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.580
0.579
0.579
0.579
0.579
0.579
0.579
0.579
0.579
0.579
59
0.588
0.588
0.587
0.587
0.587
0.586
0.586
0.586
0.586
0.585
0.585
0.585
0.585
0.584
0.584
0.584
0.584
0.584
0.583
0.583
0.583
0.583
60
0.597
0.597
0.596
0.596
0.595
0.594
0.594
0.593
0.593
0.593
0.592
0.592
0.591
0.591
0.591
0.590
0.590
0.589
0.589
0.589
0.589
0.588
61
0.606
0.605
0.605
0.604
0.604
0.603
0.602
0.601
0.601
0.600
0.600
0.599
0.598
0.598
0.597
0.597
0.596
0.596
0.596
0.595
0.595
0.594
Expected Limited Loss & ALAE Group
62
63
64
65
66
0.615
0.623
0.633
0.643
0.653
0.614
0.622
0.631
0.640
0.649
0.613
0.622
0.630
0.639
0.648
0.612
0.620
0.629
0.638
0.647
0.611
0.619
0.628
0.637
0.645
0.611
0.618
0.627
0.635
0.644
0.610
0.617
0.626
0.634
0.643
0.609
0.616
0.624
0.632
0.641
0.608
0.616
0.623
0.631
0.639
0.607
0.615
0.622
0.630
0.638
0.607
0.614
0.621
0.629
0.637
0.606
0.613
0.620
0.628
0.636
0.605
0.612
0.620
0.627
0.635
0.605
0.612
0.619
0.626
0.634
0.604
0.611
0.618
0.625
0.633
0.604
0.610
0.617
0.624
0.632
0.603
0.609
0.616
0.623
0.631
0.602
0.609
0.616
0.622
0.630
0.602
0.608
0.615
0.622
0.629
0.601
0.607
0.614
0.621
0.628
0.601
0.607
0.613
0.620
0.627
0.600
0.606
0.613
0.619
0.626
20
67
0.662
0.659
0.657
0.656
0.654
0.652
0.651
0.650
0.648
0.646
0.645
0.644
0.643
0.642
0.641
0.640
0.638
0.637
0.636
0.635
0.634
0.634
68
0.671
0.669
0.667
0.666
0.664
0.663
0.661
0.660
0.657
0.656
0.655
0.653
0.652
0.651
0.650
0.649
0.648
0.646
0.645
0.644
0.643
0.642
69
0.680
0.679
0.677
0.676
0.674
0.673
0.671
0.670
0.667
0.666
0.664
0.663
0.662
0.660
0.659
0.658
0.657
0.655
0.654
0.653
0.652
0.651
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Determination of Risk California Hazard Group Severity Multiplier (RSM),
Risk Loss Elimination Ratio (RLER), Losses Used for Expected Loss
Group Selection (LUGS), and LER Adjustment
Appendix B
Determination of Risk California Hazard Group Severity Multiplier (RSM),
Risk Loss Elimination Ratio (RLER), Losses Used for Expected Loss
Group Selection (LUGS), and LER Adjustment
Classifications are assigned to hazard groups based on the propensity for claim amounts of different sizes in
the classification. Table 1 includes the list of hazard group assignments by classification. (If classifications
other than those included in the standard classification system are included on the policy, unlimited expected
losses shall be assigned to the appropriate classification in the standard classification system for purposes of
hazard group determination.) An insured’s exposures are assigned to hazard group as follows:
Expected unlimited losses including, if elected, ALAE are segregated by hazard group based on the
assignment of classifications to hazard groups (see Table 1). The Risk California Hazard Group Severity
Multiplier (RSM), Risk Loss Elimination Ratio (RLER), Losses Used for Expected Loss Group Selection
(LUGS), and LER Adjustment are determined from the expected unlimited losses including, if elected, ALAE
by hazard group as described in the table below (see Appendix A, Attachment 1, for illustrative example):
(1)
California
Hazard Group
(2)
(3)
(4)
(5)
(6)
Expected
Unlimited Losses
California HG
Severity
Multiplier
Adjusted
Expected
Unlimited Losses
(2) x (3)
LER for Selected
Limit
Expected
Losses
Eliminated
(2) x (5)
1
2
3
4
5
6
7
Total
Notes
Column (2)
Segregate expected unlimited losses including, if elected, ALAE (standard premium x expected loss ratio) by
California hazard group.
Column (3)
Select appropriate California Hazard Group Severity Multipliers from Table 4 (or Table 5 if ALAE option
selected) of this Appendix.
Column (5)
From Table 2 or Table 3 (if ALAE was elected to be subject to the Plan), enter the loss elimination ratio for
each California hazard group for the selected per accident loss limitation. If no per accident loss limitation is
selected, the risk loss elimination ratio is zero.
(7)
Risk California Hazard Group Severity Multiplier (RSM) [Total (4)/Total (2)]
(8)
Risk Loss Elimination Ratio (RLER) [Total (6)/Total (2)]
(9)
Risk Excess Loss Factor [(8) x Expected Loss Ratio]
(10)
Expected Unlimited Losses [Total (2)]
21
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Determination of Risk California Hazard Group Severity Multiplier (RSM),
Risk Loss Elimination Ratio (RLER), Losses Used for Expected Loss
Group Selection (LUGS), and LER Adjustment
(11)
Losses Used for Expected Loss Group Selection (LUGS) is the product of the expected
unlimited losses, the Risk California Hazard Group Severity Multiplier (RSM) and the
complement of the Risk Loss Elimination Ratio (if applicable)
{ (10) x (7) x [ 1 - (8) ] }
Use the column in the appropriate Table of Insurance Charges corresponding to the LUGS as determined from
the appropriate Table of Expected (Unlimited or Limited) Loss Ranges or Table of Expected (Unlimited or
Limited) Loss and ALAE Ranges to develop the insurance charge and savings.
(12)
Expected Loss Group Based on Line (11)
(13)
Loss Elimination Ratio Incorporated in Table L (Selected from the Schedule below)
Schedule of Loss Elimination Ratios Incorporated in Table Ls
Per Accident
Loss Limit
None
25,000
35,000
50,000
75,000
100,000
150,000
200,000
250,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1,000,000
2,000,000
3,000,000
4,000,000
5,000,000
6,000,000
7,000,000
8,000,000
9,000,000
10,000,000
(14)
(15)
(16)
Average LER Incorporated
in Table L
(No ALAE Option)
0.000
0.812
0.764
0.703
0.622
0.560
0.474
0.419
0.379
0.349
0.304
0.273
0.248
0.229
0.213
0.199
0.187
0.121
0.093
0.077
0.065
0.057
0.050
0.045
0.041
0.037
Average LER Incorporated
in Table LA
(ALAE Option)
0.000
0.827
0.782
0.723
0.643
0.578
0.486
0.425
0.381
0.347
0.299
0.265
0.240
0.220
0.203
0.190
0.178
0.113
0.086
0.070
0.060
0.052
0.046
0.042
0.038
0.034
Expected Loss, or Expected Loss and ALAE, Ratio (Appendix A, Item F)
Loss Conversion Factor (Appendix A, Item C)
LER Adjustment {[ (8) – (13) ] x (14) x (15) }
22
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Table 1 – Table of Classifications by California Hazard Group
Table 1 – Table of Classifications by California Hazard Group
Class
No.
0005
0016
0034
0035
0036
0038
0040
0041
0042
0044
Hazard
Group
1
3
4
1
2
5
2
2
2
4
Class
No.
2150
2163
2211
2222
2362
2402
2413
2501
2570
2571
Hazard
Group
3
3
3
2
3
1
4
2
4
4
Class
No.
3146
3152
3165
3169
3175
3178
3179
3180
3220
3241
Hazard
Group
3
2
1
1
2
2
1
1
3
1
Class
No.
3840
4000
4034
4036
4038
4041
4049
4111
4112
4114
Hazard
Group
2
4
3
3
3
3
2
3
2
3
Class
No.
4683
4691
4692
4717
4720
4740
4771
4828
4829
4831
Hazard
Group
3
2
2
3
3
4
4
3
4
3
0045
0050
0079
0096
0106
0171
0172
0251
0400
0401
3
4
1
3
7
4
3
3
3
5
2576
2578
2584
2585
2586
2589
2623
2660
2683
2688
3
2
2
2
4
3
1
2
2
2
3255
3257
3300
3339
3365
3372
3373
3383
3400
3401
2
2
5
3
4
4
4
3
4
2
4130
4133
4150
4239
4240
4243
4244
4250
4251
4279
1
3
2
3
1
1
4
2
2
2
4922
4983
5020
5027
5028
5040
5057
5059
5102
5107
2
4
5
6
4
7
5
7
5
3
1122
1123
1124
1320
1322
1330
1438
1452
1463
1624
4
4
4
6
7
4
3
4
4
4
2702
2710
2727
2731
2757
2759
2790
2797
2806
2812
7
3
6
2
1
4
1
2
2
2
3501
3507
3560
3566
3567
3568
3569
3570
3572
3573
2
3
2
3
3
2
4
1
3
2
4283
4286
4295
4297
4299
4304
4312
4351
4354
4360
3
1
3
3
4
3
4
3
1
4
5108
5128
5140
5146
5160
5183
5184
5185
5186
5187
4
3
3
4
5
4
6
3
3
7
1699
1701
1710
1741
1803
1925
2002
2003
2014
2030
3
4
6
5
5
4
3
2
3
5
2819
2840
2842
2852
2881
2883
2915
2923
2960
3004
4
2
3
2
2
1
3
1
3
3
3574
3577
3578
3579
3612
3620
3632
3634
3643
3647
1
1
3
3
2
3
4
2
2
4
4361
4362
4410
4414
4420
4431
4432
4470
4478
4492
1
3
1
1
2
2
4
3
2
2
5188
5190
5191
5192
5195
5201
5205
5207
5212
5213
3
4
4
3
4
3
7
6
7
6
2063
2081
2095
2102
2106
2107
2108
2109
2111
2113
1
1
2
2
4
2
3
3
2
4
3018
3022
3030
3039
3040
3060
3066
3070
3076
3081
3
2
3
3
3
3
3
1
2
3
3651
3681
3682
3683
3719
3724
3726
3805
3807
3808
2
3
2
3
7
5
5
4
3
1
4494
4495
4496
4497
4498
4499
4511
4512
4557
4558
3
3
4
2
2
2
3
3
3
1
5214
5222
5225
5348
5403
5432
5436
5443
5446
5447
4
6
7
2
5
4
2
4
3
5
2116
2117
2121
2123
2142
2
1
3
3
3
3082
3085
3099
3110
3131
4
3
3
5
3
3815
3821
3828
3830
3831
2
4
2
2
2
4567
4611
4623
4635
4665
4
3
1
5
4
5467
5470
5473
5474
5479
4
5
5
4
3
23
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Table 1 – Table of Classifications by California Hazard Group
Table 1 (Continued)
Table of Classifications by California Hazard Group
Class
No.
5482
5484
5485
5506
5507
5538
5542
5552
5553
5606
Hazard
Group
7
3
5
5
6
3
5
7
7
4
Class
No.
7403
7405
7409
7410
7413
7421
7424
7428
7429
7500
Hazard
Group
2
2
6
2
2
1
4
4
3
3
Class
No.
8078
8102
8103
8106
8107
8110
8111
8113
8116
8117
Hazard
Group
1
1
1
4
3
3
5
4
3
3
Class
No.
8807
8808
8810
8813
8818
8820
8821
8822
8823
8827
Hazard
Group
3
2
1
3
2
3
3
4
2
4
Class
No.
9156
9180
9181
9182
9184
9185
9220
9402
9403
9410
Hazard
Group
3
3
1
1
3
2
3
4
4
4
5630
5631
5632
5633
5645
5650
5697
5951
6003
6011
5
4
5
4
5
3
4
1
6
6
7515
7520
7538
7539
7580
7600
7601
7605
7606
7607
7
3
5
5
5
3
5
4
2
3
8204
8209
8215
8227
8232
8264
8265
8267
8278
8286
4
1
4
4
5
1
6
3
7
4
8829
8830
8831
8834
8838
8839
8840
8846
8847
8850
1
1
3
2
2
2
4
1
4
4
9420
9422
9424
9426
9501
9507
9516
9519
9521
9522
3
1
3
5
2
4
4
4
3
3
6204
6206
6213
6216
6218
6220
6233
6235
6237
6251
5
6
6
5
6
7
6
7
6
4
7610
7706
7707
7720
7721
7722
7855
8001
8004
8006
4
6
6
5
4
5
6
1
1
1
8290
8291
8292
8293
8304
8324
8350
8387
8388
8389
3
5
1
4
2
3
4
3
3
4
8851
8852
8859
8868
8875
8901
9007
9008
9009
9010
2
4
2
2
3
1
3
1
4
3
9529
9549
9552
9586
9610
9620
5
2
6
1
4
3
6254
6258
6307
6308
6315
6316
6325
6361
6364
6400
6
5
4
5
6
6
4
4
3
3
8008
8013
8015
8017
8018
8019
8021
8028
8031
8032
1
4
3
1
3
3
3
4
1
3
8390
8391
8392
8393
8397
8400
8500
8601
8604
8631
2
3
4
4
4
3
3
4
4
6
9011
9015
9016
9031
9033
9043
9048
9050
9053
9059
4
3
3
4
3
1
2
1
1
2
6504
6834
7133
7198
7207
7219
7227
7232
7248
7272
2
4
6
2
4
4
4
5
4
5
8039
8041
8042
8046
8057
8059
8060
8061
8062
8063
3
1
3
1
3
3
5
2
1
2
8720
8729
8740
8741
8742
8743
8745
8748
8749
8755
4
3
4
4
3
6
5
4
3
6
9060
9061
9066
9067
9069
9070
9079
9085
9092
9096
3
2
3
3
3
1
1
1
4
3
7332
7360
7365
7382
7392
1
3
5
2
2
8064
8065
8066
8070
8071
2
2
3
3
2
8800
8801
8803
8804
8806
2
2
4
3
2
9097
9101
9151
9154
9155
3
3
1
1
2
24
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Table 2 – Table of Ultimate Incurred Loss Elimination Ratios by California Hazard Group
Table 2 – Table of Ultimate Incurred Loss Elimination Ratios by California Hazard Group
Accident
Limit
25,000
35,000
50,000
1
0.781
0.728
0.660
75,000
100,000
150,000
2
0.798
0.747
0.683
California Hazard Group
3
4
5
0.815
0.832
0.848
0.768
0.789
0.809
0.708
0.732
0.756
6
0.860
0.822
0.771
7
0.877
0.843
0.798
All
0.812
0.764
0.703
0.571
0.505
0.417
0.597
0.533
0.446
0.628
0.567
0.483
0.656
0.595
0.509
0.685
0.628
0.547
0.700
0.643
0.558
0.735
0.684
0.606
0.622
0.560
0.474
200,000
250,000
300,000
0.361
0.323
0.294
0.391
0.353
0.324
0.427
0.388
0.358
0.452
0.410
0.378
0.492
0.451
0.420
0.501
0.459
0.426
0.551
0.510
0.478
0.419
0.379
0.349
400,000
500,000
600,000
0.252
0.223
0.201
0.281
0.251
0.228
0.314
0.282
0.257
0.331
0.297
0.271
0.371
0.335
0.307
0.377
0.341
0.313
0.428
0.391
0.362
0.304
0.273
0.248
700,000
800,000
900,000
0.184
0.170
0.158
0.210
0.195
0.182
0.237
0.221
0.207
0.251
0.233
0.218
0.284
0.265
0.248
0.290
0.271
0.254
0.338
0.318
0.301
0.229
0.213
0.199
1,000,000
2,000,000
3,000,000
0.148
0.094
0.072
0.171
0.110
0.084
0.195
0.127
0.098
0.206
0.134
0.103
0.234
0.152
0.117
0.240
0.157
0.121
0.286
0.195
0.149
0.187
0.121
0.093
4,000,000
5,000,000
6,000,000
0.059
0.051
0.044
0.069
0.059
0.051
0.080
0.068
0.060
0.084
0.072
0.063
0.096
0.082
0.071
0.099
0.084
0.074
0.123
0.104
0.091
0.077
0.065
0.057
7,000,000
8,000,000
9,000,000
10,000,000
0.039
0.035
0.032
0.029
0.046
0.041
0.037
0.034
0.053
0.047
0.043
0.039
0.056
0.050
0.045
0.041
0.063
0.057
0.051
0.047
0.065
0.059
0.053
0.048
0.081
0.072
0.065
0.060
0.050
0.045
0.041
0.037
25
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Table 3 – Table of Ultimate Incurred Loss and ALAE Elimination Ratios by California Hazard Group
Table 3 – Table of Ultimate Incurred Loss and ALAE Elimination Ratios by California Hazard Group
Accident
Limit
25,000
35,000
50,000
1
0.801
0.751
0.686
2
0.815
0.768
0.705
California Hazard Group
3
4
5
0.829
0.845
0.859
0.785
0.804
0.821
0.727
0.749
0.771
6
0.869
0.833
0.784
7
0.884
0.852
0.808
All
0.827
0.782
0.723
75,000
100,000
150,000
0.597
0.528
0.432
0.621
0.554
0.460
0.648
0.584
0.493
0.674
0.612
0.522
0.700
0.642
0.557
0.714
0.656
0.567
0.745
0.694
0.613
0.643
0.578
0.486
200,000
250,000
300,000
0.370
0.327
0.295
0.398
0.355
0.322
0.432
0.388
0.355
0.459
0.413
0.377
0.497
0.453
0.419
0.504
0.457
0.421
0.554
0.510
0.474
0.425
0.381
0.347
400,000
500,000
600,000
0.250
0.219
0.196
0.276
0.244
0.220
0.307
0.273
0.248
0.327
0.290
0.263
0.367
0.329
0.300
0.368
0.330
0.299
0.421
0.382
0.351
0.299
0.265
0.240
700,000
800,000
900,000
0.178
0.164
0.152
0.201
0.186
0.173
0.227
0.210
0.196
0.241
0.224
0.209
0.276
0.257
0.240
0.276
0.256
0.239
0.326
0.306
0.288
0.220
0.203
0.190
1,000,000
2,000,000
3,000,000
0.142
0.089
0.068
0.162
0.103
0.078
0.184
0.118
0.089
0.196
0.125
0.095
0.226
0.144
0.109
0.225
0.143
0.108
0.273
0.182
0.138
0.178
0.113
0.086
4,000,000
5,000,000
6,000,000
0.055
0.047
0.041
0.064
0.054
0.047
0.073
0.062
0.054
0.078
0.066
0.058
0.090
0.076
0.067
0.089
0.076
0.066
0.113
0.096
0.084
0.070
0.060
0.052
7,000,000
8,000,000
9,000,000
10,000,000
0.036
0.033
0.030
0.027
0.042
0.038
0.034
0.031
0.048
0.043
0.039
0.036
0.051
0.046
0.042
0.038
0.059
0.053
0.048
0.044
0.059
0.053
0.048
0.043
0.075
0.067
0.061
0.055
0.046
0.042
0.038
0.034
26
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Table 4 – Table of California Pure Loss Hazard Group Severity Multipliers
Table 4 – Table of California Pure Loss Hazard Group Severity Multipliers
Accident
Limit
25,000
35,000
50,000
1
1.093
1.100
1.107
2
1.016
1.018
1.021
California Hazard Group
3
4
5
1.017
0.894
0.886
1.017
0.888
0.878
1.017
0.882
0.868
6
0.782
0.768
0.752
7
0.720
0.705
0.690
All
1.000
1.000
1.000
75,000
100,000
150,000
1.118
1.128
1.144
1.026
1.030
1.038
1.017
1.017
1.016
0.874
0.866
0.853
0.855
0.844
0.827
0.731
0.715
0.689
0.671
0.654
0.628
1.000
1.000
1.000
200,000
250,000
300,000
1.156
1.164
1.171
1.044
1.049
1.053
1.016
1.015
1.015
0.845
0.839
0.834
0.815
0.807
0.800
0.675
0.666
0.658
0.610
0.597
0.587
1.000
1.000
1.000
400,000
500,000
600,000
1.181
1.189
1.195
1.058
1.062
1.065
1.014
1.013
1.012
0.828
0.824
0.822
0.789
0.780
0.773
0.648
0.640
0.634
0.572
0.562
0.555
1.000
1.000
1.000
700,000
800,000
900,000
1.200
1.204
1.208
1.067
1.069
1.070
1.012
1.011
1.010
0.819
0.818
0.816
0.768
0.764
0.760
0.630
0.626
0.623
0.549
0.544
0.539
1.000
1.000
1.000
1,000,000
2,000,000
3,000,000
1.211
1.232
1.241
1.072
1.079
1.082
1.010
1.007
1.005
0.815
0.808
0.805
0.757
0.739
0.732
0.620
0.605
0.598
0.536
0.513
0.502
1.000
1.000
1.000
4,000,000
5,000,000
6,000,000
1.247
1.250
1.253
1.084
1.086
1.087
1.004
1.004
1.003
0.803
0.802
0.801
0.728
0.726
0.724
0.594
0.592
0.590
0.495
0.491
0.488
1.000
1.000
1.000
7,000,000
8,000,000
9,000,000
1.255
1.256
1.258
1.087
1.088
1.088
1.003
1.003
1.002
0.801
0.800
0.800
0.723
0.722
0.721
0.589
0.588
0.587
0.486
0.484
0.483
1.000
1.000
1.000
10,000,000
Unlimited
1.259
1.270
1.089
1.093
1.002
1.000
0.799
0.796
0.720
0.713
0.587
0.580
0.482
0.471
1.000
1.000
27
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix B
Table 5 – Table of California Loss and ALAE Hazard Group Severity Multipliers
Table 5 – Table of California Loss and ALAE Hazard Group Severity Multipliers
Accident
Limit
25,000
35,000
50,000
1
1.089
1.096
1.102
2
1.015
1.016
1.019
California Hazard Group
3
4
5
1.017
0.897
0.891
1.017
0.891
0.883
1.017
0.886
0.875
6
0.788
0.776
0.762
7
0.727
0.714
0.700
All
1.000
1.000
1.000
75,000
100,000
150,000
1.111
1.119
1.133
1.022
1.026
1.031
1.017
1.017
1.017
0.879
0.873
0.862
0.864
0.855
0.840
0.744
0.729
0.705
0.682
0.669
0.645
1.000
1.000
1.000
200,000
250,000
300,000
1.144
1.153
1.160
1.037
1.041
1.045
1.016
1.016
1.015
0.853
0.847
0.842
0.829
0.821
0.814
0.690
0.679
0.671
0.627
0.614
0.604
1.000
1.000
1.000
400,000
500,000
600,000
1.170
1.177
1.183
1.050
1.055
1.058
1.015
1.014
1.013
0.836
0.831
0.828
0.803
0.794
0.787
0.660
0.652
0.645
0.588
0.577
0.569
1.000
1.000
1.000
700,000
800,000
900,000
1.188
1.193
1.196
1.060
1.062
1.063
1.013
1.012
1.012
0.826
0.824
0.822
0.781
0.777
0.773
0.641
0.637
0.634
0.563
0.558
0.553
1.000
1.000
1.000
1,000,000
2,000,000
3,000,000
1.200
1.219
1.228
1.065
1.072
1.075
1.011
1.008
1.007
0.821
0.813
0.811
0.770
0.751
0.744
0.631
0.615
0.610
0.549
0.527
0.516
1.000
1.000
1.000
4,000,000
5,000,000
6,000,000
1.232
1.235
1.238
1.077
1.078
1.079
1.006
1.006
1.005
0.809
0.808
0.807
0.740
0.738
0.736
0.607
0.605
0.604
0.510
0.506
0.503
1.000
1.000
1.000
7,000,000
8,000,000
9,000,000
1.239
1.241
1.242
1.080
1.080
1.081
1.005
1.005
1.005
0.807
0.806
0.806
0.735
0.734
0.733
0.603
0.602
0.601
0.501
0.499
0.498
1.000
1.000
1.000
10,000,000
Unlimited
1.243
1.252
1.081
1.085
1.004
1.003
0.806
0.803
0.732
0.725
0.600
0.595
0.497
0.486
1.000
1.000
28
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Determination of Insurance Charges
Appendix C
Determination of Insurance Charges
This Appendix contains tables used in the determination of a risk’s net insurance charge if no per accident loss
limitation is selected. The tables used will depend on whether or not ALAE will be included in the retrospective
calculation.
Table EULG shows the expected unlimited loss group ranges for use with Table M (Pure Unlimited Loss
Insurance Charges) when the ALAE option is not elected. Table EULAG shows the expected unlimited loss
and ALAE group ranges for use with Table MA (Unlimited Loss and ALAE Insurance Charges) when the ALAE
option is elected.
The tables of insurance charges are organized by entry ratio and by expected loss or loss and ALAE size
group. The estimated savings for a particular entry ratio is shown below the charge for that entry ratio and is
computed based on the formula:
Savings
=
Charge + Entry Ratio - 1.0
29
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Determination of Insurance Charges
For use when a per accident loss limitation is selected, tables as listed below of expected limited loss group
ranges, expected limited loss and ALAE group ranges, tables of insurance charges and tables of loss and
ALAE insurance charges are part of this Plan, are incorporated by reference herein, and are available from the
WCIRB on request.
Tables for Losses Only
Per Accident Pure
Loss Limitation
$25,000
$35,000
$50,000
$75,000
$100,000
$150,000
$200,000
$250,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
$2,000,000
$3,000,000
$4,000,000
$5,000,000
$6,000,000
$7,000,000
$8,000,000
$9,000,000
$10,000,000
Table of Expected Limited Pure
Loss Group Ranges
Table ELLG-25K
Table ELLG-35K
Table ELLG-50K
Table ELLG-75K
Table ELLG-100K
Table ELLG-150K
Table ELLG-200K
Table ELLG-250K
Table ELLG-300K
Table ELLG-400K
Table ELLG-500K
Table ELLG-600K
Table ELLG-700K
Table ELLG-800K
Table ELLG-900K
Table ELLG-1M
Table ELLG-2M
Table ELLG-3M
Table ELLG-4M
Table ELLG-5M
Table ELLG-6M
Table ELLG-7M
Table ELLG-8M
Table ELLG-9M
Table ELLG-10M
30
Table of Pure Loss Insurance
Charges
Table L-25K
Table L-35K
Table L-50K
Table L-75K
Table L-100K
Table L-150K
Table L-200K
Table L-250K
Table L-300K
Table L-400K
Table L-500K
Table L-600K
Table L-700K
Table L-800K
Table L-900K
Table L-1M
Table L-2M
Table L-3M
Table L-4M
Table L-5M
Table L-6M
Table L-7M
Table L-8M
Table L-9M
Table L-10M
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Determination of Insurance Charges
Tables for Use with ALAE Option
Per Accident Loss
& ALAE Limitation
$25,000
$35,000
$50,000
$75,000
$100,000
$150,000
$200,000
$250,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
$2,000,000
$3,000,000
$4,000,000
$5,000,000
$6,000,000
$7,000,000
$8,000,000
$9,000,000
$10,000,000
Table of Expected Limited Loss
& ALAE Group Ranges
Table ELLAG-25K
Table ELLAG-35K
Table ELLAG-50K
Table ELLAG-75K
Table ELLAG-100K
Table ELLAG-150K
Table ELLAG-200K
Table ELLAG-250K
Table ELLAG-300K
Table ELLAG-400K
Table ELLAG-500K
Table ELLAG-600K
Table ELLAG-700K
Table ELLAG-800K
Table ELLAG-900K
Table ELLAG-1M
Table ELLAG-2M
Table ELLAG-3M
Table ELLAG-4M
Table ELLAG-5M
Table ELLAG-6M
Table ELLAG-7M
Table ELLAG-8M
Table ELLAG-9M
Table ELLAG-10M
31
Table of Loss & ALAE Insurance
Charges
Table LA-25K
Table LA-35K
Table LA-50K
Table LA-75K
Table LA-100K
Table LA-150K
Table LA-200K
Table LA-250K
Table LA-300K
Table LA-400K
Table LA-500K
Table LA-600K
Table LA-700K
Table LA-800K
Table LA-900K
Table LA-1M
Table LA-2M
Table LA-3M
Table LA-4M
Table LA-5M
Table LA-6M
Table LA-7M
Table LA-8M
Table LA-9M
Table LA-10M
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table EULG – Table of Expected Unlimited Loss Ranges/Pure Loss
Ranges for Expected Unlimited Loss Groups (EULGs)
Table EULG – Table of Expected Unlimited Loss Ranges/Pure Loss
Ranges for Expected Unlimited Loss Groups (EULGs)
Table M
Expected Loss
Group
99
98
97
96
95
94
93
92
91
90
89
88
87
86
85
84
83
82
81
80
79
78
77
76
75
74
73
72
71
70
69
68
67
66
65
64
63
62
61
60
59
Table M
Expected Loss
Group
58
57
56
55
54
53
52
51
50
49
48
47
46
45
44
43
42
41
40
39
38
37
36
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
Expected Unlimited
Loss Range
1
--3,371
3,372
--5,838
5,839
--8,256
8,257
--10,659
10,660
--13,054
13,055
--15,446
15,447
--17,836
17,837
--20,224
20,225
--22,611
22,612
--24,997
24,998
--27,383
27,384
--29,769
29,770
--32,154
32,155
--34,539
34,540
--36,924
36,925
--39,308
39,309
--41,693
41,694
--44,241
44,242
--47,410
47,411
--51,179
51,180
--55,205
55,206
--59,515
59,516
--64,134
64,135
--68,960
68,961
--74,252
74,253
--79,997
79,998
--85,882
85,883
--92,194
92,195
--98,802
98,803
--105,447
105,448
--112,809
112,810
--120,894
120,895
--128,979
128,980
--137,454
137,455
--147,058
147,059
--157,423
157,424
--167,786
167,787
--178,150
178,151
--189,277
189,278
--202,175
202,176
--216,095
32
Expected Unlimited
Loss Range
216,096
--230,013
230,014
--244,363
244,364
--260,012
260,013
--276,858
276,859
--295,035
295,036
--314,289
314,290
--334,825
334,826
--357,190
357,191
--380,046
380,047
--404,844
404,845
--432,023
432,024
--460,498
460,499
--491,700
491,701
--526,246
526,247
--564,557
564,558
--607,194
607,195
--655,543
655,544
--708,505
708,506
--767,627
767,628
--833,855
833,856
--905,154
905,155
--984,299
984,300
--1,070,008
1,070,009
--1,167,460
1,167,461
--1,279,509
1,279,510
--1,405,464
1,405,465
--1,555,254
1,555,255
--1,728,286
1,728,287
--1,924,624
1,924,625
--2,158,078
2,158,079
--2,430,036
2,430,037
--2,754,203
2,754,204
--3,170,802
3,170,803
--3,688,531
3,688,532
--4,350,577
4,350,578
--5,137,435
5,137,436
--6,192,860
6,192,861
--7,584,452
7,584,453
--9,007,312
9,007,313
--10,428,755
10,428,756
--and Over
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table EULAG – Table of Expected Unlimited Loss Ranges/Loss and ALAE
Ranges for Expected Unlimited Loss and ALAE Groups (EULAGs)
Table EULAG – Table of Expected Unlimited Loss Ranges/Loss and ALAE
Ranges for Expected Unlimited Loss and ALAE Groups (EULAGs)
Table MA
Expected Loss
& ALAE Group
99
98
97
96
95
94
93
92
91
90
89
88
87
86
85
84
83
82
81
80
79
78
77
76
75
74
73
72
71
70
69
68
67
66
65
64
63
62
61
60
59
58
Table MA
Expected Loss
& ALAE Group
57
56
55
54
53
52
51
50
49
48
47
46
45
44
43
42
41
40
39
38
37
36
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
Expected Unlimited
Loss & ALAE Range
1
--3,758
3,759
--6,510
6,511
--9,206
9,207
--11,885
11,886
--14,556
14,557
--17,223
17,224
--19,888
19,889
--22,551
22,552
--25,213
25,214
--27,874
27,875
--30,534
30,535
--33,194
33,195
--35,853
35,854
--38,513
38,514
--41,172
41,173
--43,831
43,832
--46,490
46,491
--49,148
49,149
--51,998
51,999
--55,557
55,558
--59,758
59,759
--64,200
64,201
--68,884
68,885
--73,895
73,896
--79,141
79,142
--84,749
84,750
--90,856
90,857
--97,083
97,084
--103,709
103,710
--110,871
110,872
--118,149
118,150
--125,743
125,744
--134,246
134,247
--143,359
143,360
--152,471
152,472
--162,335
162,336
--173,682
173,683
--185,758
185,759
--197,833
197,834
--209,908
209,909
--223,103
223,104
--238,243
33
Expected Unlimited
Loss & ALAE Range
238,244
--254,187
254,188
--270,129
270,130
--286,598
286,599
--304,554
304,555
--323,854
323,855
--344,784
344,785
--367,044
367,045
--390,847
390,848
--416,912
416,913
--443,635
443,636
--473,317
473,318
--506,654
506,655
--541,905
541,906
--580,831
580,832
--624,573
624,574
--672,001
672,002
--724,040
724,041
--782,403
782,404
--845,482
845,483
--913,064
913,065
--988,674
988,675
--1,080,003
1,080,004
--1,184,801
1,184,802
--1,297,831
1,297,832
--1,423,520
1,423,521
--1,571,405
1,571,406
--1,745,068
1,745,069
--1,948,248
1,948,249
--2,188,356
2,188,357
--2,476,006
2,476,007
--2,817,486
2,817,487
--3,221,564
3,221,565
--3,726,802
3,726,803
--4,322,628
4,322,629
--5,115,646
5,115,647
--6,153,748
6,153,749
--7,535,808
7,535,809
--9,269,219
9,269,220
--10,999,754
10,999,755
--12,728,587
12,728,588
--and Over
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
18
0.990
0.000
0.980
0.000
0.970
0.000
19
0.990
0.000
0.980
0.000
0.970
0.000
20
0.990
0.000
0.980
0.000
0.970
0.000
21
0.990
0.000
0.980
0.000
0.970
0.000
22
0.990
0.000
0.980
0.000
0.970
0.000
23
0.990
0.000
0.980
0.000
0.970
0.000
Expected Unlimited Loss Group
24
25
26
27
28
0.990 0.990 0.990 0.990 0.990
0.000 0.000 0.000 0.000 0.000
0.980 0.980 0.980 0.980 0.980
0.000 0.000 0.000 0.000 0.000
0.970 0.970 0.970 0.970 0.970
0.000 0.000 0.000 0.000 0.000
29
0.990
0.000
0.980
0.000
0.970
0.000
30
0.990
0.000
0.980
0.000
0.970
0.000
31
0.990
0.000
0.980
0.000
0.970
0.000
32
0.990
0.000
0.980
0.000
0.970
0.000
33
0.990
0.000
0.980
0.000
0.970
0.000
34
0.990
0.000
0.980
0.000
0.970
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.941
0.001
0.960
0.000
0.951
0.001
0.941
0.001
0.960
0.000
0.951
0.001
0.941
0.001
0.960
0.000
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.941
0.001
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.911
0.001
0.930
0.000
0.920
0.000
0.911
0.001
0.930
0.000
0.920
0.000
0.911
0.001
0.930
0.000
0.920
0.000
0.911
0.001
0.930
0.000
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.912
0.002
0.931
0.001
0.922
0.002
0.912
0.002
0.900
0.000
0.890
0.000
0.880
0.000
0.900
0.000
0.890
0.000
0.881
0.001
0.900
0.000
0.890
0.000
0.881
0.001
0.900
0.000
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.892
0.002
0.882
0.002
0.902
0.002
0.892
0.002
0.882
0.002
0.902
0.002
0.892
0.002
0.882
0.002
0.902
0.002
0.892
0.002
0.883
0.003
0.902
0.002
0.893
0.003
0.883
0.003
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.852
0.002
0.871
0.001
0.862
0.002
0.852
0.002
0.872
0.002
0.862
0.002
0.852
0.002
0.872
0.002
0.862
0.002
0.853
0.003
0.873
0.003
0.863
0.003
0.853
0.003
0.873
0.003
0.863
0.003
0.854
0.004
0.873
0.003
0.864
0.004
0.854
0.004
0.874
0.004
0.864
0.004
0.855
0.005
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.822
0.002
0.841
0.001
0.832
0.002
0.822
0.002
0.842
0.002
0.832
0.002
0.822
0.002
0.842
0.002
0.832
0.002
0.822
0.002
0.842
0.002
0.832
0.002
0.822
0.002
0.842
0.002
0.833
0.003
0.823
0.003
0.843
0.003
0.833
0.003
0.824
0.004
0.843
0.003
0.834
0.004
0.824
0.004
0.844
0.004
0.834
0.004
0.825
0.005
0.844
0.004
0.835
0.005
0.826
0.006
0.845
0.005
0.836
0.006
0.826
0.006
0.845
0.005
0.836
0.006
0.827
0.007
0.811
0.001
0.801
0.001
0.791
0.001
0.811
0.001
0.801
0.001
0.792
0.002
0.811
0.001
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.793
0.003
0.812
0.002
0.803
0.003
0.793
0.003
0.813
0.003
0.803
0.003
0.793
0.003
0.813
0.003
0.803
0.003
0.794
0.004
0.813
0.003
0.804
0.004
0.794
0.004
0.814
0.004
0.805
0.005
0.795
0.005
0.815
0.005
0.805
0.005
0.796
0.006
0.816
0.006
0.806
0.006
0.797
0.007
0.816
0.006
0.807
0.007
0.798
0.008
0.817
0.007
0.808
0.008
0.799
0.009
0.818
0.008
0.809
0.009
0.800
0.010
0.781
0.001
0.772
0.002
0.762
0.002
0.782
0.002
0.772
0.002
0.762
0.002
0.782
0.002
0.772
0.002
0.762
0.002
0.782
0.002
0.772
0.002
0.763
0.003
0.782
0.002
0.773
0.003
0.763
0.003
0.783
0.003
0.773
0.003
0.763
0.003
0.783
0.003
0.773
0.003
0.764
0.004
0.783
0.003
0.774
0.004
0.764
0.004
0.784
0.004
0.774
0.004
0.765
0.005
0.784
0.004
0.775
0.005
0.765
0.005
0.785
0.005
0.775
0.005
0.766
0.006
0.786
0.006
0.776
0.006
0.767
0.007
0.787
0.007
0.777
0.007
0.768
0.008
0.788
0.008
0.779
0.009
0.769
0.009
0.789
0.009
0.780
0.010
0.771
0.011
0.790
0.010
0.781
0.011
0.772
0.012
0.791
0.011
0.782
0.012
0.773
0.013
0.752
0.002
0.742
0.002
0.732
0.002
0.752
0.002
0.743
0.003
0.733
0.003
0.753
0.003
0.743
0.003
0.733
0.003
0.753
0.003
0.743
0.003
0.734
0.004
0.753
0.003
0.744
0.004
0.734
0.004
0.754
0.004
0.744
0.004
0.734
0.004
0.754
0.004
0.744
0.004
0.735
0.005
0.755
0.005
0.745
0.005
0.736
0.006
0.755
0.005
0.746
0.006
0.736
0.006
0.756
0.006
0.746
0.006
0.737
0.007
0.757
0.007
0.747
0.007
0.738
0.008
0.758
0.008
0.749
0.009
0.740
0.010
0.759
0.009
0.750
0.010
0.741
0.011
0.760
0.010
0.751
0.011
0.743
0.013
0.762
0.012
0.753
0.013
0.744
0.014
0.763
0.013
0.754
0.014
0.746
0.016
0.765
0.015
0.756
0.016
0.747
0.017
0.723
0.003
0.713
0.003
0.703
0.003
0.723
0.003
0.713
0.003
0.704
0.004
0.723
0.003
0.714
0.004
0.704
0.004
0.724
0.004
0.714
0.004
0.705
0.005
0.724
0.004
0.715
0.005
0.705
0.005
0.725
0.005
0.715
0.005
0.706
0.006
0.725
0.005
0.716
0.006
0.707
0.007
0.726
0.006
0.717
0.007
0.708
0.008
0.727
0.007
0.718
0.008
0.709
0.009
0.728
0.008
0.719
0.009
0.710
0.010
0.729
0.009
0.720
0.010
0.711
0.011
0.730
0.010
0.721
0.011
0.713
0.013
0.732
0.012
0.723
0.013
0.714
0.014
0.734
0.014
0.725
0.015
0.716
0.016
0.735
0.015
0.727
0.017
0.718
0.018
0.737
0.017
0.729
0.019
0.720
0.020
0.739
0.019
0.731
0.021
0.722
0.022
34
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
18
0.693
0.003
0.684
0.004
0.674
0.004
19
0.694
0.004
0.684
0.004
0.675
0.005
20
0.695
0.005
0.685
0.005
0.675
0.005
21
0.695
0.005
0.686
0.006
0.676
0.006
22
0.696
0.006
0.686
0.006
0.677
0.007
23
0.696
0.006
0.687
0.007
0.678
0.008
Expected Unlimited Loss Group
24
25
26
27
28
0.697 0.698 0.699 0.701 0.702
0.007 0.008 0.009 0.011 0.012
0.688 0.689 0.690 0.692 0.693
0.008 0.009 0.010 0.012 0.013
0.679 0.680 0.681 0.683 0.684
0.009 0.010 0.011 0.013 0.014
29
0.704
0.014
0.695
0.015
0.686
0.016
30
0.706
0.016
0.697
0.017
0.688
0.018
31
0.708
0.018
0.699
0.019
0.691
0.021
32
0.710
0.020
0.701
0.021
0.693
0.023
33
0.712
0.022
0.704
0.024
0.695
0.025
34
0.714
0.024
0.706
0.026
0.698
0.028
0.664
0.004
0.655
0.005
0.645
0.005
0.665
0.005
0.656
0.006
0.646
0.006
0.666
0.006
0.656
0.006
0.647
0.007
0.667
0.007
0.657
0.007
0.648
0.008
0.668
0.008
0.658
0.008
0.649
0.009
0.668
0.008
0.659
0.009
0.650
0.010
0.669
0.009
0.660
0.010
0.651
0.011
0.671
0.011
0.662
0.012
0.653
0.013
0.672
0.012
0.663
0.013
0.654
0.014
0.674
0.014
0.665
0.015
0.656
0.016
0.675
0.015
0.667
0.017
0.658
0.018
0.678
0.018
0.669
0.019
0.660
0.020
0.680
0.020
0.672
0.022
0.663
0.023
0.682
0.022
0.674
0.024
0.666
0.026
0.685
0.025
0.677
0.027
0.669
0.029
0.687
0.027
0.679
0.029
0.671
0.031
0.690
0.030
0.682
0.032
0.674
0.034
0.635
0.005
0.626
0.006
0.616
0.006
0.637
0.007
0.627
0.007
0.618
0.008
0.638
0.008
0.628
0.008
0.619
0.009
0.639
0.009
0.629
0.009
0.620
0.010
0.640
0.010
0.630
0.010
0.621
0.011
0.641
0.011
0.632
0.012
0.623
0.013
0.642
0.012
0.633
0.013
0.624
0.014
0.644
0.014
0.635
0.015
0.626
0.016
0.646
0.016
0.637
0.017
0.628
0.018
0.647
0.017
0.639
0.019
0.630
0.020
0.649
0.019
0.641
0.021
0.632
0.022
0.652
0.022
0.644
0.024
0.635
0.025
0.655
0.025
0.647
0.027
0.639
0.029
0.658
0.028
0.650
0.030
0.642
0.032
0.661
0.031
0.653
0.033
0.645
0.035
0.664
0.034
0.656
0.036
0.648
0.038
0.667
0.037
0.659
0.039
0.651
0.041
0.607
0.007
0.598
0.008
0.588
0.008
0.608
0.008
0.599
0.009
0.590
0.010
0.610
0.010
0.600
0.010
0.591
0.011
0.611
0.011
0.602
0.012
0.593
0.013
0.612
0.012
0.603
0.013
0.594
0.014
0.613
0.013
0.605
0.015
0.596
0.016
0.615
0.015
0.606
0.016
0.597
0.017
0.617
0.017
0.609
0.019
0.600
0.020
0.620
0.020
0.611
0.021
0.603
0.023
0.622
0.022
0.613
0.023
0.605
0.025
0.624
0.024
0.616
0.026
0.608
0.028
0.627
0.027
0.619
0.029
0.611
0.031
0.631
0.031
0.623
0.033
0.615
0.035
0.634
0.034
0.626
0.036
0.619
0.039
0.637
0.037
0.630
0.040
0.622
0.042
0.641
0.041
0.633
0.043
0.626
0.046
0.644
0.044
0.637
0.047
0.629
0.049
0.579
0.009
0.569
0.009
0.560
0.010
0.580
0.010
0.571
0.011
0.562
0.012
0.582
0.012
0.573
0.013
0.564
0.014
0.584
0.014
0.575
0.015
0.566
0.016
0.585
0.015
0.576
0.016
0.567
0.017
0.587
0.017
0.578
0.018
0.569
0.019
0.588
0.018
0.580
0.020
0.571
0.021
0.591
0.021
0.583
0.023
0.574
0.024
0.594
0.024
0.586
0.026
0.578
0.028
0.597
0.027
0.589
0.029
0.581
0.031
0.600
0.030
0.592
0.032
0.584
0.034
0.603
0.033
0.595
0.035
0.588
0.038
0.607
0.037
0.599
0.039
0.592
0.042
0.611
0.041
0.603
0.043
0.596
0.046
0.615
0.045
0.607
0.047
0.600
0.050
0.618
0.048
0.611
0.051
0.604
0.054
0.622
0.052
0.615
0.055
0.608
0.058
0.551
0.011
0.542
0.012
0.533
0.013
0.553
0.013
0.544
0.014
0.535
0.015
0.555
0.015
0.546
0.016
0.537
0.017
0.557
0.017
0.548
0.018
0.539
0.019
0.559
0.019
0.550
0.020
0.541
0.021
0.561
0.021
0.552
0.022
0.544
0.024
0.563
0.023
0.554
0.024
0.546
0.026
0.566
0.026
0.558
0.028
0.550
0.030
0.569
0.029
0.561
0.031
0.553
0.033
0.573
0.033
0.565
0.035
0.557
0.037
0.576
0.036
0.568
0.038
0.560
0.040
0.580
0.040
0.572
0.042
0.565
0.045
0.584
0.044
0.577
0.047
0.570
0.050
0.589
0.049
0.581
0.051
0.574
0.054
0.593
0.053
0.586
0.056
0.579
0.059
0.597
0.057
0.590
0.060
0.583
0.063
0.601
0.061
0.594
0.064
0.587
0.067
0.524
0.014
0.515
0.015
0.506
0.016
0.526
0.016
0.517
0.017
0.508
0.018
0.528
0.018
0.520
0.020
0.511
0.021
0.531
0.021
0.522
0.022
0.513
0.023
0.533
0.023
0.524
0.024
0.516
0.026
0.535
0.025
0.527
0.027
0.518
0.028
0.537
0.027
0.529
0.029
0.521
0.031
0.542
0.032
0.534
0.034
0.526
0.036
0.545
0.035
0.538
0.038
0.530
0.040
0.549
0.039
0.541
0.041
0.534
0.044
0.553
0.043
0.545
0.045
0.538
0.048
0.557
0.047
0.550
0.050
0.543
0.053
0.562
0.052
0.555
0.055
0.548
0.058
0.567
0.057
0.560
0.060
0.553
0.063
0.572
0.062
0.565
0.065
0.558
0.068
0.576
0.066
0.569
0.069
0.563
0.073
0.581
0.071
0.574
0.074
0.568
0.078
0.497
0.017
0.488
0.018
0.479
0.019
0.500
0.020
0.491
0.021
0.482
0.022
0.502
0.022
0.494
0.024
0.485
0.025
0.505
0.025
0.497
0.027
0.488
0.028
0.508
0.028
0.499
0.029
0.491
0.031
0.510
0.030
0.502
0.032
0.494
0.034
0.513
0.033
0.505
0.035
0.497
0.037
0.518
0.038
0.510
0.040
0.502
0.042
0.522
0.042
0.515
0.045
0.507
0.047
0.526
0.046
0.519
0.049
0.512
0.052
0.531
0.051
0.523
0.053
0.516
0.056
0.536
0.056
0.529
0.059
0.522
0.062
0.541
0.061
0.534
0.064
0.527
0.067
0.546
0.066
0.540
0.070
0.533
0.073
0.551
0.071
0.545
0.075
0.538
0.078
0.556
0.076
0.550
0.080
0.543
0.083
0.561
0.081
0.555
0.085
0.549
0.089
0.471
0.021
0.462
0.022
0.453
0.023
0.474
0.024
0.465
0.025
0.457
0.027
0.477
0.027
0.469
0.029
0.460
0.030
0.480
0.030
0.472
0.032
0.464
0.034
0.483
0.033
0.475
0.035
0.467
0.037
0.486
0.036
0.478
0.038
0.470
0.040
0.489
0.039
0.481
0.041
0.474
0.044
0.495
0.045
0.487
0.047
0.480
0.050
0.500
0.050
0.492
0.052
0.485
0.055
0.504
0.054
0.497
0.057
0.490
0.060
0.509
0.059
0.502
0.062
0.495
0.065
0.515
0.065
0.508
0.068
0.502
0.072
0.521
0.071
0.514
0.074
0.508
0.078
0.527
0.077
0.520
0.080
0.514
0.084
0.532
0.082
0.526
0.086
0.519
0.089
0.537
0.087
0.531
0.091
0.525
0.095
0.542
0.092
0.536
0.096
0.530
0.100
0.445
0.025
0.437
0.027
0.428
0.028
0.449
0.029
0.440
0.030
0.432
0.032
0.452
0.032
0.444
0.034
0.436
0.036
0.456
0.036
0.448
0.038
0.440
0.040
0.459
0.039
0.451
0.041
0.444
0.044
0.463
0.043
0.455
0.045
0.448
0.048
0.466
0.046
0.459
0.049
0.451
0.051
0.472
0.052
0.465
0.055
0.458
0.058
0.478
0.058
0.471
0.061
0.464
0.064
0.483
0.063
0.477
0.067
0.470
0.070
0.489
0.069
0.482
0.072
0.475
0.075
0.495
0.075
0.488
0.078
0.482
0.082
0.501
0.081
0.495
0.085
0.489
0.089
0.507
0.087
0.501
0.091
0.495
0.095
0.513
0.093
0.507
0.097
0.501
0.101
0.519
0.099
0.513
0.103
0.507
0.107
0.524
0.104
0.518
0.108
0.513
0.113
35
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
18
0.420
0.030
0.412
0.032
0.404
0.034
19
0.424
0.034
0.416
0.036
0.409
0.039
20
0.428
0.038
0.421
0.041
0.413
0.043
21
0.432
0.042
0.425
0.045
0.417
0.047
22
0.436
0.046
0.429
0.049
0.421
0.051
23
0.440
0.050
0.433
0.053
0.426
0.056
Expected Unlimited Loss Group
24
25
26
27
28
0.444 0.451 0.457 0.463 0.469
0.054 0.061 0.067 0.073 0.079
0.437 0.444 0.451 0.457 0.463
0.057 0.064 0.071 0.077 0.083
0.430 0.437 0.444 0.450 0.456
0.060 0.067 0.074 0.080 0.086
29
0.476
0.086
0.470
0.090
0.463
0.093
30
0.483
0.093
0.476
0.096
0.471
0.101
31
0.489
0.099
0.483
0.103
0.477
0.107
32
0.495
0.105
0.489
0.109
0.484
0.114
33
0.501
0.111
0.495
0.115
0.490
0.120
34
0.507
0.117
0.501
0.121
0.496
0.126
0.396
0.036
0.389
0.039
0.381
0.041
0.401
0.041
0.393
0.043
0.386
0.046
0.405
0.045
0.398
0.048
0.390
0.050
0.410
0.050
0.402
0.052
0.395
0.055
0.414
0.054
0.407
0.057
0.400
0.060
0.418
0.058
0.411
0.061
0.404
0.064
0.423
0.063
0.416
0.066
0.409
0.069
0.430
0.070
0.424
0.074
0.417
0.077
0.437
0.077
0.431
0.081
0.424
0.084
0.444
0.084
0.437
0.087
0.431
0.091
0.450
0.090
0.444
0.094
0.438
0.098
0.457
0.097
0.451
0.101
0.446
0.106
0.465
0.105
0.459
0.109
0.453
0.113
0.472
0.112
0.466
0.116
0.460
0.120
0.478
0.118
0.473
0.123
0.467
0.127
0.484
0.124
0.479
0.129
0.473
0.133
0.490
0.130
0.485
0.135
0.480
0.140
0.373
0.043
0.366
0.046
0.358
0.048
0.378
0.048
0.371
0.051
0.364
0.054
0.383
0.053
0.376
0.056
0.369
0.059
0.388
0.058
0.381
0.061
0.374
0.064
0.393
0.063
0.386
0.066
0.379
0.069
0.398
0.068
0.391
0.071
0.384
0.074
0.403
0.073
0.396
0.076
0.390
0.080
0.411
0.081
0.404
0.084
0.398
0.088
0.418
0.088
0.412
0.092
0.406
0.096
0.425
0.095
0.419
0.099
0.413
0.103
0.432
0.102
0.426
0.106
0.420
0.110
0.440
0.110
0.434
0.114
0.428
0.118
0.447
0.117
0.442
0.122
0.436
0.126
0.455
0.125
0.449
0.129
0.444
0.134
0.462
0.132
0.456
0.136
0.451
0.141
0.468
0.138
0.463
0.143
0.458
0.148
0.474
0.144
0.469
0.149
0.464
0.154
0.351
0.051
0.344
0.054
0.337
0.057
0.357
0.057
0.350
0.060
0.343
0.063
0.362
0.062
0.355
0.065
0.348
0.068
0.367
0.067
0.361
0.071
0.354
0.074
0.373
0.073
0.366
0.076
0.360
0.080
0.378
0.078
0.371
0.081
0.365
0.085
0.383
0.083
0.377
0.087
0.371
0.091
0.392
0.092
0.386
0.096
0.380
0.100
0.400
0.100
0.394
0.104
0.388
0.108
0.407
0.107
0.401
0.111
0.396
0.116
0.415
0.115
0.409
0.119
0.403
0.123
0.423
0.123
0.417
0.127
0.412
0.132
0.431
0.131
0.426
0.136
0.420
0.140
0.439
0.139
0.434
0.144
0.428
0.148
0.446
0.146
0.441
0.151
0.436
0.156
0.452
0.152
0.447
0.157
0.442
0.162
0.459
0.159
0.454
0.164
0.449
0.169
0.330
0.060
0.323
0.063
0.317
0.067
0.336
0.066
0.329
0.069
0.323
0.073
0.342
0.072
0.335
0.075
0.329
0.079
0.348
0.078
0.341
0.081
0.335
0.085
0.353
0.083
0.347
0.087
0.341
0.091
0.359
0.089
0.353
0.093
0.347
0.097
0.365
0.095
0.359
0.099
0.353
0.103
0.374
0.104
0.368
0.108
0.362
0.112
0.382
0.112
0.377
0.117
0.371
0.121
0.390
0.120
0.385
0.125
0.379
0.129
0.398
0.128
0.393
0.133
0.387
0.137
0.407
0.137
0.401
0.141
0.396
0.146
0.415
0.145
0.410
0.150
0.405
0.155
0.423
0.153
0.418
0.158
0.413
0.163
0.431
0.161
0.426
0.166
0.421
0.171
0.438
0.168
0.433
0.173
0.428
0.178
0.445
0.175
0.440
0.180
0.435
0.185
0.310
0.070
0.304
0.074
0.297
0.077
0.316
0.076
0.310
0.080
0.304
0.084
0.323
0.083
0.316
0.086
0.310
0.090
0.329
0.089
0.323
0.093
0.317
0.097
0.335
0.095
0.329
0.099
0.323
0.103
0.341
0.101
0.335
0.105
0.329
0.109
0.347
0.107
0.341
0.111
0.336
0.116
0.357
0.117
0.351
0.121
0.346
0.126
0.366
0.126
0.360
0.130
0.355
0.135
0.374
0.134
0.368
0.138
0.363
0.143
0.382
0.142
0.377
0.147
0.372
0.152
0.391
0.151
0.386
0.156
0.381
0.161
0.400
0.160
0.395
0.165
0.390
0.170
0.409
0.169
0.404
0.174
0.399
0.179
0.416
0.176
0.411
0.181
0.407
0.187
0.423
0.183
0.419
0.189
0.414
0.194
0.430
0.190
0.426
0.196
0.421
0.201
0.291
0.081
0.285
0.085
0.279
0.089
0.298
0.088
0.292
0.092
0.286
0.096
0.304
0.094
0.298
0.098
0.293
0.103
0.311
0.101
0.305
0.105
0.300
0.110
0.317
0.107
0.312
0.112
0.306
0.116
0.324
0.114
0.318
0.118
0.313
0.123
0.330
0.120
0.325
0.125
0.320
0.130
0.340
0.130
0.335
0.135
0.330
0.140
0.350
0.140
0.344
0.144
0.339
0.149
0.358
0.148
0.353
0.153
0.348
0.158
0.367
0.157
0.362
0.162
0.357
0.167
0.376
0.166
0.372
0.172
0.367
0.177
0.386
0.176
0.381
0.181
0.376
0.186
0.394
0.184
0.390
0.190
0.385
0.195
0.402
0.192
0.398
0.198
0.393
0.203
0.410
0.200
0.405
0.205
0.401
0.211
0.417
0.207
0.413
0.213
0.408
0.218
0.273
0.093
0.267
0.097
0.262
0.102
0.280
0.100
0.274
0.104
0.269
0.109
0.287
0.107
0.282
0.112
0.276
0.116
0.294
0.114
0.289
0.119
0.283
0.123
0.301
0.121
0.296
0.126
0.290
0.130
0.308
0.128
0.302
0.132
0.297
0.137
0.315
0.135
0.310
0.140
0.305
0.145
0.325
0.145
0.320
0.150
0.315
0.155
0.334
0.154
0.330
0.160
0.325
0.165
0.343
0.163
0.338
0.168
0.334
0.174
0.352
0.172
0.348
0.178
0.343
0.183
0.362
0.182
0.358
0.188
0.353
0.193
0.372
0.192
0.367
0.197
0.363
0.203
0.381
0.201
0.377
0.207
0.372
0.212
0.389
0.209
0.385
0.215
0.380
0.220
0.396
0.216
0.392
0.222
0.388
0.228
0.404
0.224
0.400
0.230
0.396
0.236
0.256
0.106
0.251
0.111
0.245
0.115
0.263
0.113
0.258
0.118
0.253
0.123
0.271
0.121
0.266
0.126
0.260
0.130
0.278
0.128
0.273
0.133
0.268
0.138
0.285
0.135
0.280
0.140
0.275
0.145
0.292
0.142
0.287
0.147
0.283
0.153
0.300
0.150
0.295
0.155
0.290
0.160
0.310
0.160
0.305
0.165
0.301
0.171
0.320
0.170
0.315
0.175
0.311
0.181
0.329
0.179
0.324
0.184
0.320
0.190
0.338
0.188
0.334
0.194
0.330
0.200
0.349
0.199
0.345
0.205
0.340
0.210
0.359
0.209
0.354
0.214
0.350
0.220
0.368
0.218
0.364
0.224
0.360
0.230
0.376
0.226
0.372
0.232
0.368
0.238
0.384
0.234
0.380
0.240
0.376
0.246
0.392
0.242
0.388
0.248
0.384
0.254
0.239
0.119
0.234
0.124
0.228
0.128
0.247
0.127
0.242
0.132
0.236
0.136
0.255
0.135
0.250
0.140
0.245
0.145
0.263
0.143
0.258
0.148
0.253
0.153
0.271
0.151
0.266
0.156
0.261
0.161
0.278
0.158
0.273
0.163
0.269
0.169
0.285
0.165
0.281
0.171
0.276
0.176
0.296
0.176
0.292
0.182
0.287
0.187
0.306
0.186
0.302
0.192
0.298
0.198
0.316
0.196
0.311
0.201
0.307
0.207
0.325
0.205
0.321
0.211
0.317
0.217
0.336
0.216
0.332
0.222
0.328
0.228
0.346
0.226
0.342
0.232
0.338
0.238
0.356
0.236
0.352
0.242
0.348
0.248
0.364
0.244
0.360
0.250
0.356
0.256
0.372
0.252
0.368
0.258
0.364
0.264
0.380
0.260
0.376
0.266
0.372
0.272
36
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.91
18
0.223
0.133
0.218
0.138
0.213
0.143
19
0.231
0.141
0.226
0.146
0.222
0.152
20
0.240
0.150
0.235
0.155
0.230
0.160
21
0.248
0.158
0.244
0.164
0.239
0.169
22
0.257
0.167
0.253
0.173
0.248
0.178
23
0.264
0.174
0.260
0.180
0.256
0.186
Expected Unlimited Loss Group
24
25
26
27
28
0.272 0.283 0.293 0.303 0.313
0.182 0.193 0.203 0.213 0.223
0.268 0.279 0.289 0.299 0.309
0.188 0.199 0.209 0.219 0.229
0.264 0.275 0.285 0.294 0.305
0.194 0.205 0.215 0.224 0.235
29
0.324
0.234
0.320
0.240
0.316
0.246
30
0.334
0.244
0.330
0.250
0.326
0.256
31
0.344
0.254
0.340
0.260
0.336
0.266
32
0.352
0.262
0.349
0.269
0.345
0.275
33
0.360
0.270
0.357
0.277
0.353
0.283
34
0.369
0.279
0.365
0.285
0.361
0.291
0.207
0.147
0.203
0.153
0.198
0.158
0.217
0.157
0.212
0.162
0.208
0.168
0.226
0.166
0.222
0.172
0.217
0.177
0.235
0.175
0.231
0.181
0.226
0.186
0.244
0.184
0.240
0.190
0.236
0.196
0.252
0.192
0.248
0.198
0.244
0.204
0.259
0.199
0.256
0.206
0.252
0.212
0.271
0.211
0.267
0.217
0.263
0.223
0.281
0.221
0.278
0.228
0.274
0.234
0.291
0.231
0.287
0.237
0.284
0.244
0.301
0.241
0.297
0.247
0.294
0.254
0.312
0.252
0.308
0.258
0.305
0.265
0.322
0.262
0.319
0.269
0.315
0.275
0.332
0.272
0.328
0.278
0.325
0.285
0.341
0.281
0.338
0.288
0.334
0.294
0.350
0.290
0.346
0.296
0.343
0.303
0.358
0.298
0.355
0.305
0.352
0.312
0.193
0.163
0.189
0.169
0.184
0.174
0.203
0.173
0.199
0.179
0.194
0.184
0.212
0.182
0.208
0.188
0.204
0.194
0.222
0.192
0.218
0.198
0.214
0.204
0.232
0.202
0.228
0.208
0.224
0.214
0.240
0.210
0.237
0.217
0.233
0.223
0.248
0.218
0.246
0.226
0.242
0.232
0.260
0.230
0.257
0.237
0.253
0.243
0.270
0.240
0.267
0.247
0.263
0.253
0.280
0.250
0.277
0.257
0.274
0.264
0.290
0.260
0.287
0.267
0.284
0.274
0.301
0.271
0.297
0.277
0.294
0.284
0.311
0.281
0.307
0.287
0.304
0.294
0.321
0.291
0.317
0.297
0.313
0.303
0.330
0.300
0.327
0.307
0.323
0.313
0.340
0.310
0.336
0.316
0.333
0.323
0.349
0.319
0.345
0.325
0.343
0.333
1.00
1.01
1.02
1.03
1.04
1.05
0.180
0.179
0.176
0.173
0.170
0.167
0.190
0.188
0.185
0.181
0.178
0.175
0.200
0.196
0.193
0.190
0.187
0.184
0.210
0.205
0.202
0.198
0.195
0.192
0.220
0.214
0.211
0.207
0.204
0.200
0.230
0.222
0.219
0.215
0.212
0.209
0.240
0.231
0.227
0.224
0.221
0.218
0.250
0.243
0.238
0.235
0.232
0.228
0.260
0.253
0.249
0.245
0.242
0.239
0.270
0.263
0.260
0.256
0.253
0.250
0.280
0.275
0.271
0.268
0.265
0.262
0.290
0.287
0.283
0.280
0.278
0.275
0.300
0.299
0.296
0.293
0.290
0.287
0.310
0.308
0.305
0.302
0.299
0.297
0.320
0.317
0.315
0.312
0.309
0.306
0.330
0.325
0.322
0.319
0.316
0.313
0.340
0.334
0.331
0.327
0.324
0.321
1.06
1.07
1.08
1.09
1.10
0.164
0.161
0.158
0.156
0.153
0.172
0.169
0.166
0.164
0.161
0.180
0.178
0.175
0.172
0.169
0.189
0.186
0.183
0.180
0.177
0.197
0.194
0.191
0.188
0.185
0.205
0.202
0.199
0.196
0.193
0.214
0.211
0.208
0.204
0.201
0.224
0.220
0.217
0.214
0.211
0.234
0.231
0.228
0.224
0.221
0.247
0.242
0.239
0.236
0.233
0.259
0.256
0.252
0.250
0.247
0.272
0.269
0.268
0.265
0.262
0.284
0.281
0.279
0.276
0.273
0.294
0.291
0.288
0.285
0.282
0.303
0.300
0.297
0.294
0.292
0.310
0.308
0.305
0.302
0.299
0.318
0.315
0.312
0.309
0.306
1.11
1.12
1.13
1.14
1.15
0.151
0.149
0.146
0.143
0.140
0.158
0.156
0.153
0.150
0.148
0.166
0.163
0.161
0.158
0.155
0.174
0.171
0.168
0.165
0.162
0.182
0.178
0.175
0.173
0.170
0.190
0.186
0.183
0.180
0.177
0.198
0.194
0.191
0.188
0.185
0.208
0.204
0.201
0.198
0.195
0.218
0.215
0.211
0.208
0.205
0.230
0.227
0.224
0.221
0.218
0.244
0.241
0.238
0.235
0.233
0.259
0.256
0.254
0.251
0.248
0.270
0.268
0.265
0.262
0.260
0.280
0.277
0.274
0.272
0.269
0.289
0.286
0.283
0.281
0.278
0.296
0.293
0.291
0.288
0.285
0.303
0.300
0.298
0.295
0.292
1.16
1.17
1.18
1.19
1.20
0.138
0.135
0.132
0.130
0.127
0.145
0.142
0.140
0.137
0.134
0.152
0.150
0.147
0.144
0.142
0.159
0.157
0.154
0.151
0.149
0.167
0.164
0.161
0.159
0.156
0.175
0.172
0.169
0.166
0.164
0.182
0.180
0.177
0.174
0.171
0.192
0.189
0.186
0.184
0.181
0.203
0.200
0.197
0.194
0.192
0.215
0.213
0.210
0.207
0.205
0.230
0.227
0.225
0.222
0.220
0.246
0.243
0.240
0.238
0.236
0.257
0.254
0.252
0.249
0.247
0.266
0.264
0.261
0.259
0.256
0.276
0.273
0.271
0.268
0.266
0.283
0.280
0.278
0.275
0.273
0.290
0.287
0.284
0.282
0.279
1.21
1.22
1.23
1.24
1.25
0.125
0.122
0.120
0.118
0.115
0.132
0.129
0.127
0.125
0.122
0.139
0.136
0.134
0.132
0.129
0.146
0.144
0.141
0.139
0.136
0.153
0.151
0.148
0.146
0.143
0.161
0.158
0.156
0.153
0.151
0.169
0.166
0.164
0.161
0.159
0.178
0.176
0.173
0.171
0.168
0.189
0.187
0.184
0.182
0.179
0.202
0.200
0.197
0.195
0.193
0.217
0.215
0.212
0.210
0.208
0.233
0.231
0.228
0.226
0.224
0.245
0.242
0.240
0.238
0.235
0.254
0.252
0.249
0.247
0.245
0.263
0.261
0.259
0.256
0.254
0.270
0.268
0.266
0.263
0.261
0.277
0.275
0.272
0.270
0.268
1.26
1.27
1.28
1.29
1.30
0.113
0.111
0.109
0.107
0.105
0.120
0.118
0.116
0.113
0.111
0.127
0.125
0.123
0.120
0.118
0.134
0.132
0.129
0.127
0.125
0.141
0.139
0.136
0.134
0.132
0.149
0.146
0.144
0.142
0.140
0.156
0.154
0.152
0.149
0.147
0.166
0.164
0.161
0.159
0.157
0.177
0.175
0.172
0.170
0.168
0.190
0.188
0.186
0.183
0.181
0.205
0.203
0.201
0.199
0.197
0.222
0.219
0.217
0.215
0.213
0.233
0.231
0.229
0.227
0.225
0.243
0.240
0.238
0.236
0.234
0.252
0.250
0.248
0.245
0.243
0.259
0.257
0.254
0.252
0.250
0.265
0.263
0.261
0.258
0.256
1.31
1.32
1.33
1.34
1.35
0.103
0.101
0.099
0.097
0.095
0.109
0.107
0.105
0.104
0.102
0.116
0.114
0.112
0.110
0.108
0.123
0.121
0.119
0.117
0.115
0.130
0.128
0.126
0.124
0.122
0.137
0.135
0.133
0.131
0.129
0.145
0.143
0.141
0.139
0.137
0.155
0.152
0.150
0.148
0.146
0.166
0.164
0.162
0.160
0.158
0.179
0.177
0.175
0.173
0.171
0.195
0.193
0.191
0.189
0.187
0.211
0.209
0.207
0.205
0.203
0.223
0.221
0.219
0.217
0.215
0.232
0.230
0.228
0.226
0.224
0.241
0.239
0.237
0.235
0.233
0.248
0.246
0.244
0.242
0.240
0.254
0.252
0.250
0.248
0.246
1.36
1.37
1.38
1.39
1.40
0.093
0.092
0.090
0.088
0.087
0.100
0.098
0.096
0.095
0.093
0.107
0.105
0.103
0.101
0.100
0.113
0.111
0.110
0.108
0.106
0.120
0.118
0.116
0.114
0.113
0.127
0.125
0.123
0.122
0.120
0.135
0.133
0.131
0.129
0.127
0.144
0.142
0.140
0.139
0.137
0.156
0.154
0.152
0.150
0.148
0.169
0.167
0.165
0.164
0.162
0.185
0.183
0.181
0.179
0.177
0.201
0.199
0.198
0.196
0.194
0.213
0.211
0.209
0.207
0.206
0.222
0.220
0.218
0.217
0.215
0.231
0.229
0.227
0.226
0.224
0.238
0.236
0.234
0.232
0.230
0.244
0.242
0.240
0.238
0.236
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
37
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
18
0.085
0.084
0.082
0.081
0.079
19
0.092
0.090
0.088
0.087
0.085
20
0.098
0.096
0.095
0.093
0.092
21
0.104
0.103
0.101
0.099
0.098
22
0.111
0.109
0.107
0.106
0.104
23
0.118
0.116
0.115
0.113
0.111
Expected Unlimited Loss Group
24
25
26
27
28
0.125 0.135 0.146 0.160 0.176
0.124 0.133 0.144 0.158 0.174
0.122 0.131 0.143 0.156 0.172
0.120 0.130 0.141 0.155 0.171
0.119 0.128 0.139 0.153 0.169
29
0.192
0.190
0.189
0.187
0.185
30
0.204
0.202
0.200
0.199
0.197
31
0.213
0.211
0.209
0.208
0.206
32
0.222
0.220
0.218
0.217
0.215
33
0.228
0.226
0.225
0.223
0.221
34
0.234
0.232
0.230
0.229
0.227
1.46
1.47
1.48
1.49
1.50
0.078
0.077
0.075
0.074
0.073
0.084
0.083
0.081
0.080
0.079
0.090
0.089
0.087
0.086
0.085
0.096
0.095
0.093
0.092
0.091
0.103
0.101
0.100
0.098
0.097
0.110
0.108
0.107
0.105
0.104
0.117
0.115
0.114
0.112
0.111
0.126
0.125
0.123
0.122
0.120
0.138
0.136
0.135
0.133
0.132
0.151
0.150
0.148
0.147
0.145
0.167
0.166
0.164
0.163
0.161
0.184
0.182
0.181
0.179
0.177
0.195
0.194
0.192
0.191
0.189
0.204
0.203
0.201
0.200
0.198
0.213
0.212
0.210
0.208
0.207
0.219
0.218
0.216
0.214
0.213
0.225
0.223
0.222
0.220
0.218
1.51
1.52
1.53
1.54
1.55
0.071
0.070
0.069
0.068
0.067
0.077
0.076
0.075
0.074
0.072
0.083
0.082
0.081
0.079
0.078
0.089
0.088
0.086
0.085
0.084
0.095
0.094
0.092
0.091
0.090
0.102
0.101
0.099
0.098
0.097
0.109
0.108
0.106
0.105
0.104
0.119
0.117
0.116
0.114
0.113
0.130
0.129
0.127
0.126
0.124
0.144
0.142
0.141
0.139
0.138
0.159
0.158
0.157
0.155
0.154
0.176
0.174
0.173
0.172
0.170
0.187
0.186
0.185
0.183
0.182
0.196
0.195
0.193
0.192
0.190
0.205
0.204
0.202
0.201
0.199
0.211
0.209
0.208
0.206
0.205
0.216
0.215
0.213
0.212
0.210
1.56
1.57
1.58
1.59
1.60
0.066
0.064
0.063
0.062
0.061
0.071
0.070
0.069
0.068
0.067
0.077
0.076
0.075
0.074
0.072
0.083
0.081
0.080
0.079
0.078
0.088
0.087
0.086
0.085
0.084
0.095
0.094
0.093
0.091
0.090
0.102
0.101
0.100
0.098
0.097
0.112
0.110
0.109
0.108
0.106
0.123
0.122
0.120
0.119
0.118
0.137
0.135
0.134
0.133
0.131
0.152
0.151
0.150
0.148
0.147
0.169
0.167
0.166
0.165
0.163
0.180
0.179
0.177
0.176
0.175
0.189
0.188
0.186
0.185
0.183
0.198
0.196
0.195
0.193
0.192
0.203
0.202
0.200
0.199
0.197
0.209
0.207
0.205
0.204
0.202
1.61
1.62
1.63
1.64
1.65
0.060
0.059
0.058
0.058
0.057
0.066
0.065
0.064
0.063
0.062
0.071
0.070
0.069
0.068
0.067
0.077
0.076
0.075
0.074
0.073
0.082
0.081
0.080
0.079
0.078
0.089
0.088
0.087
0.086
0.084
0.096
0.095
0.093
0.092
0.091
0.105
0.104
0.103
0.102
0.100
0.116
0.115
0.114
0.113
0.112
0.130
0.129
0.127
0.126
0.125
0.146
0.144
0.143
0.142
0.141
0.162
0.161
0.160
0.158
0.157
0.173
0.172
0.171
0.170
0.168
0.182
0.181
0.179
0.178
0.177
0.191
0.189
0.188
0.187
0.185
0.196
0.195
0.193
0.192
0.190
0.201
0.200
0.198
0.197
0.195
1.66
1.67
1.68
1.69
1.70
0.056
0.055
0.054
0.053
0.052
0.061
0.060
0.059
0.058
0.057
0.066
0.065
0.064
0.063
0.063
0.071
0.070
0.070
0.069
0.068
0.077
0.076
0.075
0.074
0.073
0.083
0.082
0.081
0.080
0.079
0.090
0.089
0.088
0.087
0.086
0.099
0.098
0.097
0.096
0.095
0.110
0.109
0.108
0.107
0.106
0.124
0.123
0.122
0.121
0.119
0.140
0.138
0.137
0.136
0.135
0.156
0.155
0.154
0.153
0.151
0.167
0.166
0.165
0.164
0.162
0.176
0.174
0.173
0.172
0.171
0.184
0.183
0.181
0.180
0.179
0.189
0.188
0.186
0.185
0.184
0.194
0.193
0.191
0.190
0.188
1.71
1.72
1.73
1.74
1.75
0.052
0.051
0.050
0.049
0.049
0.057
0.056
0.055
0.054
0.053
0.062
0.061
0.060
0.059
0.058
0.067
0.066
0.065
0.064
0.063
0.072
0.071
0.070
0.069
0.068
0.078
0.077
0.076
0.075
0.074
0.085
0.084
0.083
0.082
0.081
0.094
0.093
0.092
0.091
0.090
0.105
0.104
0.103
0.102
0.101
0.118
0.117
0.116
0.115
0.114
0.134
0.133
0.132
0.131
0.130
0.150
0.149
0.148
0.147
0.146
0.161
0.160
0.159
0.158
0.157
0.170
0.168
0.167
0.166
0.165
0.178
0.177
0.175
0.174
0.173
0.183
0.181
0.180
0.179
0.178
0.187
0.186
0.185
0.183
0.182
1.76
1.77
1.78
1.79
1.80
0.048
0.047
0.046
0.046
0.045
0.053
0.052
0.051
0.051
0.050
0.058
0.057
0.056
0.055
0.055
0.062
0.062
0.061
0.060
0.059
0.067
0.066
0.066
0.065
0.064
0.073
0.073
0.072
0.071
0.070
0.080
0.079
0.078
0.077
0.076
0.089
0.088
0.087
0.086
0.085
0.100
0.099
0.098
0.097
0.096
0.113
0.112
0.111
0.110
0.109
0.129
0.128
0.127
0.126
0.125
0.145
0.144
0.143
0.142
0.141
0.156
0.155
0.154
0.153
0.152
0.164
0.163
0.162
0.161
0.159
0.172
0.171
0.170
0.168
0.167
0.176
0.175
0.174
0.173
0.172
0.181
0.180
0.178
0.177
0.176
1.81
1.82
1.83
1.84
1.85
0.045
0.044
0.043
0.043
0.042
0.049
0.049
0.048
0.047
0.047
0.054
0.053
0.052
0.052
0.051
0.058
0.058
0.057
0.056
0.056
0.063
0.062
0.062
0.061
0.060
0.069
0.068
0.068
0.067
0.066
0.076
0.075
0.074
0.073
0.072
0.084
0.084
0.083
0.082
0.081
0.095
0.094
0.093
0.093
0.092
0.108
0.108
0.107
0.106
0.105
0.124
0.123
0.122
0.121
0.120
0.140
0.139
0.138
0.137
0.136
0.151
0.150
0.149
0.148
0.147
0.158
0.157
0.156
0.155
0.154
0.166
0.165
0.164
0.163
0.162
0.171
0.169
0.168
0.167
0.166
0.175
0.174
0.172
0.171
0.170
1.86
1.87
1.88
1.89
1.90
0.042
0.041
0.041
0.040
0.039
0.046
0.045
0.045
0.044
0.044
0.050
0.050
0.049
0.049
0.048
0.055
0.054
0.054
0.053
0.052
0.059
0.059
0.058
0.057
0.057
0.065
0.065
0.064
0.063
0.062
0.071
0.071
0.070
0.069
0.068
0.080
0.079
0.079
0.078
0.077
0.091
0.090
0.089
0.089
0.088
0.104
0.103
0.102
0.102
0.101
0.119
0.119
0.118
0.117
0.116
0.135
0.134
0.134
0.133
0.132
0.146
0.145
0.144
0.143
0.142
0.153
0.152
0.151
0.150
0.150
0.161
0.160
0.159
0.158
0.157
0.165
0.164
0.163
0.162
0.161
0.169
0.168
0.167
0.166
0.165
1.91
1.92
1.93
1.94
1.95
0.039
0.038
0.038
0.038
0.037
0.043
0.043
0.042
0.042
0.041
0.047
0.047
0.046
0.046
0.045
0.052
0.051
0.051
0.050
0.049
0.056
0.055
0.055
0.054
0.054
0.062
0.061
0.060
0.060
0.059
0.068
0.067
0.066
0.066
0.065
0.076
0.076
0.075
0.074
0.074
0.087
0.086
0.085
0.085
0.084
0.100
0.099
0.098
0.098
0.097
0.115
0.114
0.114
0.113
0.112
0.131
0.130
0.129
0.128
0.128
0.141
0.140
0.139
0.139
0.138
0.149
0.148
0.147
0.146
0.145
0.156
0.155
0.154
0.153
0.152
0.160
0.159
0.158
0.157
0.156
0.164
0.163
0.162
0.161
0.160
1.96
1.97
1.98
1.99
2.00
0.037
0.036
0.036
0.035
0.035
0.041
0.040
0.040
0.039
0.039
0.045
0.044
0.044
0.043
0.043
0.049
0.048
0.048
0.047
0.047
0.053
0.052
0.052
0.051
0.051
0.058
0.058
0.057
0.057
0.056
0.064
0.064
0.063
0.062
0.062
0.073
0.072
0.071
0.071
0.070
0.083
0.083
0.082
0.081
0.081
0.096
0.095
0.095
0.094
0.093
0.111
0.110
0.110
0.109
0.108
0.127
0.126
0.125
0.124
0.124
0.137
0.136
0.135
0.134
0.134
0.144
0.143
0.142
0.142
0.141
0.151
0.150
0.150
0.149
0.148
0.155
0.154
0.153
0.152
0.151
0.159
0.158
0.157
0.156
0.155
38
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
18
0.035
0.034
0.034
0.033
0.033
19
0.038
0.038
0.038
0.037
0.037
20
0.042
0.042
0.041
0.041
0.040
21
0.046
0.046
0.045
0.045
0.044
22
0.050
0.050
0.049
0.048
0.048
23
0.055
0.055
0.054
0.054
0.053
Expected Unlimited Loss Group
24
25
26
27
28
0.061 0.070 0.080 0.093 0.107
0.060 0.069 0.079 0.092 0.107
0.060 0.068 0.078 0.091 0.106
0.059 0.068 0.078 0.090 0.105
0.059 0.067 0.077 0.090 0.105
29
0.123
0.122
0.121
0.121
0.120
30
0.133
0.132
0.131
0.131
0.130
31
0.140
0.139
0.138
0.137
0.137
32
0.147
0.146
0.145
0.144
0.144
33
0.150
0.149
0.148
0.148
0.147
34
0.154
0.153
0.152
0.151
0.150
2.06
2.07
2.08
2.09
2.10
0.033
0.032
0.032
0.032
0.031
0.036
0.036
0.036
0.035
0.035
0.040
0.040
0.039
0.039
0.038
0.044
0.043
0.043
0.042
0.042
0.047
0.047
0.046
0.046
0.046
0.053
0.052
0.052
0.051
0.051
0.058
0.058
0.057
0.056
0.056
0.066
0.066
0.065
0.065
0.064
0.077
0.076
0.075
0.075
0.074
0.089
0.088
0.088
0.087
0.087
0.104
0.103
0.103
0.102
0.101
0.119
0.119
0.118
0.117
0.116
0.129
0.128
0.128
0.127
0.126
0.136
0.135
0.134
0.134
0.133
0.143
0.142
0.141
0.140
0.139
0.146
0.145
0.144
0.143
0.142
0.149
0.148
0.147
0.146
0.146
2.11
2.12
2.13
2.14
2.15
0.031
0.031
0.030
0.030
0.030
0.034
0.034
0.034
0.033
0.033
0.038
0.038
0.037
0.037
0.036
0.041
0.041
0.041
0.040
0.040
0.045
0.045
0.044
0.044
0.043
0.050
0.050
0.049
0.049
0.048
0.055
0.055
0.054
0.054
0.053
0.063
0.063
0.062
0.062
0.061
0.073
0.073
0.072
0.072
0.071
0.086
0.085
0.085
0.084
0.084
0.101
0.100
0.099
0.099
0.098
0.116
0.115
0.114
0.114
0.113
0.125
0.125
0.124
0.123
0.123
0.132
0.131
0.131
0.130
0.129
0.139
0.138
0.137
0.136
0.136
0.142
0.141
0.140
0.139
0.138
0.145
0.144
0.143
0.142
0.141
2.16
2.17
2.18
2.19
2.20
0.029
0.029
0.029
0.028
0.028
0.033
0.032
0.032
0.032
0.031
0.036
0.036
0.035
0.035
0.035
0.039
0.039
0.039
0.038
0.038
0.043
0.042
0.042
0.042
0.041
0.048
0.047
0.047
0.046
0.046
0.053
0.052
0.052
0.051
0.051
0.061
0.060
0.060
0.059
0.059
0.071
0.070
0.070
0.069
0.069
0.083
0.082
0.082
0.081
0.081
0.097
0.097
0.096
0.096
0.095
0.112
0.112
0.111
0.111
0.110
0.122
0.121
0.121
0.120
0.119
0.128
0.128
0.127
0.126
0.126
0.135
0.134
0.134
0.133
0.132
0.138
0.137
0.136
0.135
0.135
0.140
0.140
0.139
0.138
0.137
2.21
2.22
2.23
2.24
2.25
0.028
0.028
0.027
0.027
0.027
0.031
0.031
0.030
0.030
0.030
0.034
0.034
0.034
0.033
0.033
0.037
0.037
0.037
0.036
0.036
0.041
0.040
0.040
0.040
0.039
0.046
0.045
0.045
0.044
0.044
0.051
0.050
0.050
0.049
0.049
0.058
0.058
0.057
0.057
0.056
0.068
0.068
0.067
0.067
0.066
0.080
0.080
0.079
0.079
0.078
0.094
0.094
0.093
0.093
0.092
0.109
0.109
0.108
0.108
0.107
0.119
0.118
0.117
0.117
0.116
0.125
0.124
0.124
0.123
0.123
0.131
0.131
0.130
0.129
0.129
0.134
0.133
0.132
0.132
0.131
0.137
0.136
0.135
0.134
0.134
2.26
2.27
2.28
2.29
2.30
0.026
0.026
0.026
0.026
0.025
0.030
0.029
0.029
0.029
0.028
0.033
0.032
0.032
0.032
0.031
0.036
0.035
0.035
0.035
0.034
0.039
0.039
0.038
0.038
0.038
0.044
0.043
0.043
0.042
0.042
0.048
0.048
0.048
0.047
0.047
0.056
0.056
0.055
0.055
0.054
0.066
0.065
0.065
0.064
0.064
0.078
0.077
0.077
0.076
0.076
0.092
0.091
0.091
0.090
0.090
0.106
0.106
0.105
0.105
0.104
0.116
0.115
0.114
0.114
0.113
0.122
0.121
0.121
0.120
0.119
0.128
0.127
0.127
0.126
0.125
0.130
0.130
0.129
0.128
0.128
0.133
0.132
0.131
0.131
0.130
2.31
2.32
2.33
2.34
2.35
0.025
0.025
0.025
0.024
0.024
0.028
0.028
0.028
0.027
0.027
0.031
0.031
0.031
0.030
0.030
0.034
0.034
0.034
0.033
0.033
0.037
0.037
0.037
0.036
0.036
0.042
0.041
0.041
0.041
0.040
0.046
0.046
0.046
0.045
0.045
0.054
0.054
0.053
0.053
0.052
0.063
0.063
0.062
0.062
0.062
0.075
0.075
0.074
0.074
0.073
0.089
0.089
0.088
0.088
0.087
0.104
0.103
0.103
0.102
0.101
0.113
0.112
0.112
0.111
0.110
0.119
0.118
0.118
0.117
0.117
0.125
0.124
0.124
0.123
0.122
0.127
0.126
0.126
0.125
0.124
0.129
0.128
0.128
0.127
0.126
2.36
2.37
2.38
2.39
2.40
0.024
0.024
0.023
0.023
0.023
0.027
0.027
0.026
0.026
0.026
0.030
0.029
0.029
0.029
0.029
0.033
0.032
0.032
0.032
0.032
0.036
0.035
0.035
0.035
0.034
0.040
0.040
0.039
0.039
0.039
0.045
0.044
0.044
0.044
0.043
0.052
0.052
0.051
0.051
0.050
0.061
0.061
0.060
0.060
0.060
0.073
0.072
0.072
0.072
0.071
0.087
0.086
0.086
0.085
0.085
0.101
0.100
0.100
0.099
0.099
0.110
0.109
0.109
0.108
0.108
0.116
0.115
0.115
0.114
0.114
0.122
0.121
0.121
0.120
0.119
0.124
0.123
0.122
0.122
0.121
0.126
0.125
0.124
0.124
0.123
2.41
2.42
2.43
2.44
2.45
0.023
0.023
0.022
0.022
0.022
0.026
0.025
0.025
0.025
0.025
0.028
0.028
0.028
0.028
0.027
0.031
0.031
0.031
0.030
0.030
0.034
0.034
0.034
0.033
0.033
0.038
0.038
0.038
0.038
0.037
0.043
0.043
0.042
0.042
0.042
0.050
0.050
0.049
0.049
0.049
0.059
0.059
0.058
0.058
0.058
0.071
0.070
0.070
0.069
0.069
0.084
0.084
0.083
0.083
0.083
0.098
0.098
0.097
0.097
0.096
0.107
0.107
0.106
0.106
0.105
0.113
0.113
0.112
0.112
0.111
0.119
0.118
0.118
0.117
0.117
0.120
0.120
0.119
0.119
0.118
0.122
0.122
0.121
0.121
0.120
2.46
2.47
2.48
2.49
2.50
0.022
0.021
0.021
0.021
0.021
0.024
0.024
0.024
0.024
0.024
0.027
0.027
0.027
0.027
0.026
0.030
0.030
0.029
0.029
0.029
0.033
0.033
0.032
0.032
0.032
0.037
0.037
0.036
0.036
0.036
0.041
0.041
0.041
0.041
0.040
0.048
0.048
0.048
0.047
0.047
0.057
0.057
0.057
0.056
0.056
0.069
0.068
0.068
0.067
0.067
0.082
0.082
0.081
0.081
0.080
0.096
0.096
0.095
0.095
0.094
0.105
0.104
0.104
0.103
0.103
0.111
0.110
0.109
0.109
0.108
0.116
0.115
0.115
0.114
0.114
0.117
0.117
0.116
0.116
0.115
0.119
0.119
0.118
0.118
0.117
2.51
2.52
2.53
2.54
2.55
0.021
0.020
0.020
0.020
0.020
0.023
0.023
0.023
0.023
0.023
0.026
0.026
0.026
0.025
0.025
0.029
0.029
0.028
0.028
0.028
0.032
0.031
0.031
0.031
0.031
0.036
0.035
0.035
0.035
0.035
0.040
0.040
0.039
0.039
0.039
0.047
0.046
0.046
0.046
0.046
0.056
0.055
0.055
0.055
0.054
0.067
0.066
0.066
0.066
0.065
0.080
0.080
0.079
0.079
0.078
0.094
0.093
0.093
0.092
0.092
0.102
0.102
0.101
0.101
0.100
0.108
0.107
0.107
0.107
0.106
0.113
0.113
0.112
0.112
0.111
0.115
0.114
0.114
0.113
0.112
0.116
0.116
0.115
0.115
0.114
2.56
2.57
2.58
2.59
2.60
0.020
0.020
0.019
0.019
0.019
0.022
0.022
0.022
0.022
0.022
0.025
0.025
0.025
0.024
0.024
0.028
0.027
0.027
0.027
0.027
0.030
0.030
0.030
0.030
0.030
0.034
0.034
0.034
0.034
0.033
0.039
0.038
0.038
0.038
0.038
0.045
0.045
0.045
0.044
0.044
0.054
0.054
0.053
0.053
0.053
0.065
0.065
0.064
0.064
0.063
0.078
0.078
0.077
0.077
0.076
0.092
0.091
0.091
0.090
0.090
0.100
0.100
0.099
0.099
0.098
0.106
0.105
0.105
0.104
0.104
0.111
0.110
0.110
0.109
0.109
0.112
0.111
0.111
0.110
0.110
0.114
0.113
0.112
0.112
0.111
39
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
18
0.019
0.019
0.018
0.018
0.018
19
0.021
0.021
0.021
0.021
0.021
20
0.024
0.024
0.024
0.023
0.023
21
0.027
0.026
0.026
0.026
0.026
22
0.029
0.029
0.029
0.029
0.028
23
0.033
0.033
0.033
0.032
0.032
Expected Unlimited Loss Group
24
25
26
27
28
0.037 0.044 0.052 0.063 0.076
0.037 0.044 0.052 0.063 0.076
0.037 0.043 0.052 0.062 0.075
0.037 0.043 0.051 0.062 0.075
0.036 0.043 0.051 0.062 0.075
29
0.089
0.089
0.089
0.088
0.088
30
0.098
0.097
0.097
0.097
0.096
31
0.103
0.103
0.102
0.102
0.102
32
0.108
0.108
0.107
0.107
0.106
33
0.109
0.109
0.108
0.108
0.107
34
0.111
0.110
0.110
0.109
0.109
2.66
2.67
2.68
2.69
2.70
0.018
0.018
0.018
0.017
0.017
0.020
0.020
0.020
0.020
0.020
0.023
0.023
0.023
0.023
0.022
0.026
0.025
0.025
0.025
0.025
0.028
0.028
0.028
0.028
0.027
0.032
0.032
0.032
0.031
0.031
0.036
0.036
0.036
0.035
0.035
0.042
0.042
0.042
0.042
0.041
0.051
0.050
0.050
0.050
0.050
0.061
0.061
0.061
0.061
0.060
0.074
0.074
0.074
0.073
0.073
0.088
0.087
0.087
0.086
0.086
0.096
0.095
0.095
0.095
0.094
0.101
0.101
0.100
0.100
0.099
0.106
0.106
0.105
0.105
0.104
0.107
0.106
0.106
0.105
0.105
0.108
0.108
0.107
0.107
0.106
2.71
2.72
2.73
2.74
2.75
0.017
0.017
0.017
0.017
0.017
0.020
0.019
0.019
0.019
0.019
0.022
0.022
0.022
0.022
0.021
0.025
0.024
0.024
0.024
0.024
0.027
0.027
0.027
0.027
0.027
0.031
0.031
0.031
0.030
0.030
0.035
0.035
0.034
0.034
0.034
0.041
0.041
0.041
0.040
0.040
0.049
0.049
0.049
0.048
0.048
0.060
0.060
0.059
0.059
0.059
0.073
0.072
0.072
0.072
0.071
0.086
0.085
0.085
0.085
0.084
0.094
0.093
0.093
0.093
0.092
0.099
0.099
0.098
0.098
0.097
0.104
0.103
0.103
0.103
0.102
0.105
0.104
0.104
0.103
0.103
0.106
0.105
0.105
0.104
0.104
2.76
2.77
2.78
2.79
2.80
0.016
0.016
0.016
0.016
0.016
0.019
0.019
0.019
0.018
0.018
0.021
0.021
0.021
0.021
0.021
0.024
0.024
0.023
0.023
0.023
0.026
0.026
0.026
0.026
0.026
0.030
0.030
0.030
0.029
0.029
0.034
0.034
0.033
0.033
0.033
0.040
0.040
0.039
0.039
0.039
0.048
0.048
0.047
0.047
0.047
0.058
0.058
0.058
0.058
0.057
0.071
0.071
0.070
0.070
0.070
0.084
0.083
0.083
0.083
0.082
0.092
0.092
0.091
0.091
0.090
0.097
0.097
0.096
0.096
0.096
0.102
0.101
0.101
0.100
0.100
0.102
0.102
0.101
0.101
0.101
0.103
0.103
0.103
0.102
0.102
2.81
2.82
2.83
2.84
2.85
0.016
0.016
0.015
0.015
0.015
0.018
0.018
0.018
0.018
0.018
0.021
0.020
0.020
0.020
0.020
0.023
0.023
0.023
0.022
0.022
0.025
0.025
0.025
0.025
0.025
0.029
0.029
0.029
0.028
0.028
0.033
0.033
0.032
0.032
0.032
0.039
0.038
0.038
0.038
0.038
0.047
0.046
0.046
0.046
0.046
0.057
0.057
0.056
0.056
0.056
0.069
0.069
0.069
0.068
0.068
0.082
0.082
0.081
0.081
0.081
0.090
0.090
0.089
0.089
0.089
0.095
0.095
0.094
0.094
0.094
0.100
0.099
0.099
0.098
0.098
0.100
0.100
0.099
0.099
0.099
0.101
0.101
0.100
0.100
0.099
2.86
2.87
2.88
2.89
2.90
0.015
0.015
0.014
0.014
0.013
0.017
0.017
0.017
0.016
0.016
0.020
0.020
0.019
0.019
0.019
0.022
0.022
0.022
0.022
0.021
0.025
0.024
0.024
0.024
0.024
0.028
0.028
0.028
0.028
0.028
0.032
0.032
0.031
0.031
0.031
0.038
0.037
0.037
0.037
0.037
0.045
0.045
0.045
0.045
0.045
0.056
0.055
0.055
0.055
0.054
0.068
0.067
0.067
0.067
0.067
0.080
0.080
0.080
0.079
0.079
0.088
0.088
0.088
0.087
0.087
0.093
0.093
0.093
0.092
0.092
0.098
0.097
0.097
0.097
0.096
0.098
0.098
0.097
0.097
0.097
0.099
0.099
0.098
0.098
0.097
2.91
2.92
2.93
2.94
2.95
0.013
0.013
0.012
0.012
0.012
0.016
0.015
0.015
0.015
0.015
0.018
0.018
0.018
0.018
0.018
0.021
0.021
0.021
0.021
0.021
0.024
0.024
0.024
0.024
0.024
0.028
0.027
0.027
0.027
0.027
0.031
0.031
0.031
0.031
0.031
0.037
0.037
0.037
0.037
0.037
0.045
0.045
0.045
0.045
0.045
0.054
0.054
0.054
0.054
0.054
0.066
0.066
0.065
0.065
0.065
0.079
0.078
0.076
0.076
0.075
0.087
0.085
0.084
0.084
0.083
0.091
0.091
0.090
0.090
0.089
0.096
0.094
0.093
0.093
0.092
0.096
0.095
0.095
0.095
0.094
0.097
0.097
0.096
0.096
0.096
2.96
2.97
2.98
2.99
3.00
0.012
0.012
0.011
0.011
0.011
0.015
0.015
0.014
0.014
0.014
0.018
0.018
0.018
0.017
0.017
0.021
0.021
0.021
0.021
0.020
0.024
0.024
0.024
0.024
0.024
0.027
0.027
0.027
0.027
0.027
0.031
0.031
0.031
0.031
0.031
0.037
0.037
0.037
0.037
0.037
0.045
0.045
0.045
0.045
0.045
0.054
0.054
0.054
0.054
0.054
0.065
0.064
0.064
0.064
0.063
0.075
0.073
0.073
0.072
0.072
0.082
0.082
0.081
0.081
0.078
0.087
0.087
0.086
0.086
0.085
0.092
0.091
0.091
0.089
0.089
0.094
0.094
0.093
0.093
0.093
0.096
0.096
0.096
0.096
0.096
40
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
35
0.990
0.000
0.980
0.000
0.970
0.000
36
0.990
0.000
0.980
0.000
0.970
0.000
37
0.990
0.000
0.980
0.000
0.971
0.001
38
0.990
0.000
0.980
0.000
0.971
0.001
39
0.990
0.000
0.980
0.000
0.971
0.001
40
0.990
0.000
0.980
0.000
0.971
0.001
Expected Unlimited Loss Group
41
42
43
44
45
0.990 0.990 0.990 0.990 0.990
0.000 0.000 0.000 0.000 0.000
0.980 0.980 0.981 0.981 0.981
0.000 0.000 0.001 0.001 0.001
0.971 0.971 0.971 0.971 0.971
0.001 0.001 0.001 0.001 0.001
46
0.990
0.000
0.981
0.001
0.972
0.002
47
0.990
0.000
0.981
0.001
0.972
0.002
48
0.990
0.000
0.981
0.001
0.972
0.002
49
0.990
0.000
0.981
0.001
0.972
0.002
50
0.990
0.000
0.981
0.001
0.973
0.003
51
0.990
0.000
0.981
0.001
0.973
0.003
0.961
0.001
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.942
0.002
0.961
0.001
0.951
0.001
0.942
0.002
0.961
0.001
0.952
0.002
0.942
0.002
0.961
0.001
0.952
0.002
0.942
0.002
0.962
0.002
0.952
0.002
0.943
0.003
0.962
0.002
0.952
0.002
0.943
0.003
0.962
0.002
0.953
0.003
0.943
0.003
0.962
0.002
0.953
0.003
0.944
0.004
0.962
0.002
0.953
0.003
0.944
0.004
0.963
0.003
0.954
0.004
0.945
0.005
0.963
0.003
0.954
0.004
0.945
0.005
0.963
0.003
0.955
0.005
0.946
0.006
0.964
0.004
0.955
0.005
0.946
0.006
0.964
0.004
0.955
0.005
0.947
0.007
0.931
0.001
0.922
0.002
0.912
0.002
0.932
0.002
0.922
0.002
0.912
0.002
0.932
0.002
0.922
0.002
0.913
0.003
0.932
0.002
0.923
0.003
0.913
0.003
0.932
0.002
0.923
0.003
0.914
0.004
0.933
0.003
0.923
0.003
0.914
0.004
0.933
0.003
0.924
0.004
0.915
0.005
0.933
0.003
0.924
0.004
0.915
0.005
0.934
0.004
0.925
0.005
0.916
0.006
0.934
0.004
0.925
0.005
0.916
0.006
0.935
0.005
0.926
0.006
0.917
0.007
0.935
0.005
0.927
0.007
0.918
0.008
0.936
0.006
0.927
0.007
0.919
0.009
0.937
0.007
0.928
0.008
0.919
0.009
0.937
0.007
0.929
0.009
0.920
0.010
0.938
0.008
0.929
0.009
0.921
0.011
0.939
0.009
0.930
0.010
0.922
0.012
0.902
0.002
0.893
0.003
0.883
0.003
0.903
0.003
0.893
0.003
0.884
0.004
0.903
0.003
0.894
0.004
0.885
0.005
0.904
0.004
0.895
0.005
0.885
0.005
0.904
0.004
0.895
0.005
0.886
0.006
0.905
0.005
0.896
0.006
0.887
0.007
0.906
0.006
0.897
0.007
0.888
0.008
0.906
0.006
0.897
0.007
0.889
0.009
0.907
0.007
0.898
0.008
0.889
0.009
0.908
0.008
0.899
0.009
0.890
0.010
0.909
0.009
0.900
0.010
0.892
0.012
0.909
0.009
0.901
0.011
0.893
0.013
0.910
0.010
0.902
0.012
0.894
0.014
0.911
0.011
0.903
0.013
0.895
0.015
0.912
0.012
0.904
0.014
0.896
0.016
0.913
0.013
0.905
0.015
0.898
0.018
0.914
0.014
0.907
0.017
0.899
0.019
0.874
0.004
0.865
0.005
0.855
0.005
0.875
0.005
0.865
0.005
0.856
0.006
0.875
0.005
0.866
0.006
0.857
0.007
0.876
0.006
0.867
0.007
0.858
0.008
0.877
0.007
0.868
0.008
0.859
0.009
0.878
0.008
0.869
0.009
0.860
0.010
0.879
0.009
0.870
0.010
0.861
0.011
0.880
0.010
0.871
0.011
0.863
0.013
0.881
0.011
0.872
0.012
0.864
0.014
0.882
0.012
0.874
0.014
0.865
0.015
0.883
0.013
0.875
0.015
0.867
0.017
0.884
0.014
0.876
0.016
0.868
0.018
0.886
0.016
0.878
0.018
0.870
0.020
0.887
0.017
0.879
0.019
0.871
0.021
0.888
0.018
0.881
0.021
0.873
0.023
0.890
0.020
0.882
0.022
0.875
0.025
0.891
0.021
0.884
0.024
0.877
0.027
0.846
0.006
0.837
0.007
0.828
0.008
0.847
0.007
0.838
0.008
0.829
0.009
0.848
0.008
0.839
0.009
0.830
0.010
0.849
0.009
0.840
0.010
0.831
0.011
0.850
0.010
0.841
0.011
0.833
0.013
0.851
0.011
0.843
0.013
0.834
0.014
0.853
0.013
0.844
0.014
0.836
0.016
0.854
0.014
0.846
0.016
0.838
0.018
0.856
0.016
0.847
0.017
0.839
0.019
0.857
0.017
0.849
0.019
0.841
0.021
0.859
0.019
0.851
0.021
0.843
0.023
0.860
0.020
0.853
0.023
0.845
0.025
0.862
0.022
0.854
0.024
0.847
0.027
0.864
0.024
0.856
0.026
0.849
0.029
0.865
0.025
0.858
0.028
0.851
0.031
0.867
0.027
0.860
0.030
0.853
0.033
0.869
0.029
0.862
0.032
0.855
0.035
0.819
0.009
0.810
0.010
0.801
0.011
0.820
0.010
0.811
0.011
0.802
0.012
0.821
0.011
0.812
0.012
0.804
0.014
0.823
0.013
0.814
0.014
0.805
0.015
0.824
0.014
0.816
0.016
0.807
0.017
0.826
0.016
0.817
0.017
0.809
0.019
0.828
0.018
0.819
0.019
0.811
0.021
0.829
0.019
0.821
0.021
0.813
0.023
0.831
0.021
0.823
0.023
0.815
0.025
0.833
0.023
0.825
0.025
0.818
0.028
0.835
0.025
0.827
0.027
0.820
0.030
0.837
0.027
0.830
0.030
0.822
0.032
0.839
0.029
0.832
0.032
0.825
0.035
0.841
0.031
0.834
0.034
0.827
0.037
0.844
0.034
0.836
0.036
0.829
0.039
0.846
0.036
0.839
0.039
0.832
0.042
0.848
0.038
0.842
0.042
0.835
0.045
0.792
0.012
0.783
0.013
0.775
0.015
0.794
0.014
0.785
0.015
0.776
0.016
0.795
0.015
0.787
0.017
0.778
0.018
0.797
0.017
0.789
0.019
0.780
0.020
0.799
0.019
0.791
0.021
0.783
0.023
0.801
0.021
0.793
0.023
0.785
0.025
0.803
0.023
0.795
0.025
0.787
0.027
0.805
0.025
0.798
0.028
0.790
0.030
0.808
0.028
0.800
0.030
0.792
0.032
0.810
0.030
0.802
0.032
0.795
0.035
0.812
0.032
0.805
0.035
0.798
0.038
0.815
0.035
0.808
0.038
0.800
0.040
0.817
0.037
0.810
0.040
0.803
0.043
0.820
0.040
0.813
0.043
0.806
0.046
0.822
0.042
0.816
0.046
0.809
0.049
0.825
0.045
0.819
0.049
0.812
0.052
0.828
0.048
0.822
0.052
0.815
0.055
0.766
0.016
0.758
0.018
0.749
0.019
0.768
0.018
0.759
0.019
0.751
0.021
0.770
0.020
0.762
0.022
0.753
0.023
0.772
0.022
0.764
0.024
0.756
0.026
0.775
0.025
0.767
0.027
0.759
0.029
0.777
0.027
0.769
0.029
0.761
0.031
0.780
0.030
0.772
0.032
0.764
0.034
0.782
0.032
0.775
0.035
0.767
0.037
0.785
0.035
0.778
0.038
0.770
0.040
0.788
0.038
0.780
0.040
0.773
0.043
0.791
0.041
0.783
0.043
0.776
0.046
0.793
0.043
0.786
0.046
0.780
0.050
0.796
0.046
0.789
0.049
0.783
0.053
0.799
0.049
0.793
0.053
0.786
0.056
0.802
0.052
0.796
0.056
0.789
0.059
0.806
0.056
0.799
0.059
0.793
0.063
0.809
0.059
0.803
0.063
0.796
0.066
0.741
0.021
0.733
0.023
0.724
0.024
0.743
0.023
0.735
0.025
0.727
0.027
0.745
0.025
0.737
0.027
0.729
0.029
0.748
0.028
0.740
0.030
0.732
0.032
0.751
0.031
0.743
0.033
0.736
0.036
0.754
0.034
0.746
0.036
0.739
0.039
0.757
0.037
0.749
0.039
0.742
0.042
0.760
0.040
0.753
0.043
0.745
0.045
0.763
0.043
0.756
0.046
0.749
0.049
0.766
0.046
0.759
0.049
0.752
0.052
0.769
0.049
0.763
0.053
0.756
0.056
0.773
0.053
0.766
0.056
0.759
0.059
0.776
0.056
0.769
0.059
0.763
0.063
0.779
0.059
0.773
0.063
0.767
0.067
0.783
0.063
0.777
0.067
0.770
0.070
0.787
0.067
0.780
0.070
0.774
0.074
0.790
0.070
0.784
0.074
0.778
0.078
41
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
35
0.716
0.026
0.708
0.028
0.700
0.030
36
0.719
0.029
0.711
0.031
0.703
0.033
37
0.722
0.032
0.714
0.034
0.706
0.036
38
0.725
0.035
0.717
0.037
0.710
0.040
39
0.728
0.038
0.721
0.041
0.713
0.043
40
0.731
0.041
0.724
0.044
0.717
0.047
Expected Unlimited Loss Group
41
42
43
44
45
0.735 0.738 0.742 0.746 0.749
0.045 0.048 0.052 0.056 0.059
0.728 0.731 0.735 0.739 0.743
0.048 0.051 0.055 0.059 0.063
0.721 0.724 0.728 0.732 0.736
0.051 0.054 0.058 0.062 0.066
46
0.753
0.063
0.746
0.066
0.740
0.070
47
0.757
0.067
0.750
0.070
0.744
0.074
48
0.760
0.070
0.754
0.074
0.748
0.078
49
0.764
0.074
0.758
0.078
0.752
0.082
50
0.768
0.078
0.762
0.082
0.757
0.087
51
0.772
0.082
0.767
0.087
0.761
0.091
0.693
0.033
0.685
0.035
0.677
0.037
0.695
0.035
0.688
0.038
0.680
0.040
0.699
0.039
0.691
0.041
0.684
0.044
0.702
0.042
0.695
0.045
0.688
0.048
0.706
0.046
0.699
0.049
0.692
0.052
0.710
0.050
0.703
0.053
0.696
0.056
0.714
0.054
0.707
0.057
0.700
0.060
0.718
0.058
0.711
0.061
0.704
0.064
0.722
0.062
0.715
0.065
0.709
0.069
0.726
0.066
0.719
0.069
0.713
0.073
0.730
0.070
0.723
0.073
0.717
0.077
0.734
0.074
0.728
0.078
0.721
0.081
0.738
0.078
0.732
0.082
0.726
0.086
0.742
0.082
0.736
0.086
0.730
0.090
0.746
0.086
0.740
0.090
0.735
0.095
0.751
0.091
0.745
0.095
0.739
0.099
0.755
0.095
0.750
0.100
0.744
0.104
0.670
0.040
0.662
0.042
0.655
0.045
0.673
0.043
0.665
0.045
0.658
0.048
0.676
0.046
0.669
0.049
0.662
0.052
0.680
0.050
0.673
0.053
0.666
0.056
0.685
0.055
0.678
0.058
0.671
0.061
0.689
0.059
0.682
0.062
0.675
0.065
0.693
0.063
0.687
0.067
0.680
0.070
0.698
0.068
0.691
0.071
0.685
0.075
0.702
0.072
0.696
0.076
0.689
0.079
0.707
0.077
0.700
0.080
0.694
0.084
0.711
0.081
0.705
0.085
0.699
0.089
0.715
0.085
0.709
0.089
0.704
0.094
0.720
0.090
0.714
0.094
0.708
0.098
0.724
0.094
0.719
0.099
0.713
0.103
0.729
0.099
0.723
0.103
0.718
0.108
0.734
0.104
0.728
0.108
0.723
0.113
0.739
0.109
0.734
0.114
0.728
0.118
0.647
0.047
0.640
0.050
0.633
0.053
0.651
0.051
0.644
0.054
0.637
0.057
0.655
0.055
0.648
0.058
0.641
0.061
0.659
0.059
0.653
0.063
0.646
0.066
0.664
0.064
0.657
0.067
0.651
0.071
0.669
0.069
0.662
0.072
0.656
0.076
0.674
0.074
0.667
0.077
0.661
0.081
0.678
0.078
0.672
0.082
0.666
0.086
0.683
0.083
0.677
0.087
0.671
0.091
0.688
0.088
0.682
0.092
0.676
0.096
0.693
0.093
0.687
0.097
0.681
0.101
0.698
0.098
0.692
0.102
0.686
0.106
0.703
0.103
0.697
0.107
0.692
0.112
0.708
0.108
0.702
0.112
0.697
0.117
0.712
0.112
0.707
0.117
0.702
0.122
0.718
0.118
0.713
0.123
0.707
0.127
0.723
0.123
0.718
0.128
0.713
0.133
0.626
0.056
0.619
0.059
0.612
0.062
0.630
0.060
0.623
0.063
0.616
0.066
0.634
0.064
0.628
0.068
0.621
0.071
0.639
0.069
0.633
0.073
0.626
0.076
0.644
0.074
0.638
0.078
0.632
0.082
0.650
0.080
0.643
0.083
0.637
0.087
0.655
0.085
0.649
0.089
0.643
0.093
0.660
0.090
0.654
0.094
0.648
0.098
0.665
0.095
0.659
0.099
0.654
0.104
0.670
0.100
0.665
0.105
0.659
0.109
0.676
0.106
0.670
0.110
0.665
0.115
0.681
0.111
0.675
0.115
0.670
0.120
0.686
0.116
0.681
0.121
0.675
0.125
0.691
0.121
0.686
0.126
0.681
0.131
0.697
0.127
0.691
0.131
0.686
0.136
0.702
0.132
0.697
0.137
0.692
0.142
0.708
0.138
0.703
0.143
0.698
0.148
0.605
0.065
0.598
0.068
0.592
0.072
0.610
0.070
0.603
0.073
0.596
0.076
0.614
0.074
0.608
0.078
0.602
0.082
0.620
0.080
0.613
0.083
0.607
0.087
0.625
0.085
0.619
0.089
0.613
0.093
0.631
0.091
0.625
0.095
0.619
0.099
0.637
0.097
0.631
0.101
0.625
0.105
0.642
0.102
0.636
0.106
0.631
0.111
0.648
0.108
0.642
0.112
0.637
0.117
0.653
0.113
0.648
0.118
0.642
0.122
0.659
0.119
0.654
0.124
0.648
0.128
0.665
0.125
0.659
0.129
0.654
0.134
0.670
0.130
0.665
0.135
0.660
0.140
0.676
0.136
0.671
0.141
0.666
0.146
0.681
0.141
0.676
0.146
0.672
0.152
0.687
0.147
0.683
0.153
0.678
0.158
0.693
0.153
0.689
0.159
0.684
0.164
0.585
0.075
0.579
0.079
0.572
0.082
0.590
0.080
0.584
0.084
0.577
0.087
0.595
0.085
0.589
0.089
0.583
0.093
0.601
0.091
0.595
0.095
0.589
0.099
0.607
0.097
0.601
0.101
0.595
0.105
0.613
0.103
0.607
0.107
0.601
0.111
0.619
0.109
0.613
0.113
0.608
0.118
0.625
0.115
0.620
0.120
0.614
0.124
0.631
0.121
0.626
0.126
0.620
0.130
0.637
0.127
0.632
0.132
0.627
0.137
0.643
0.133
0.638
0.138
0.633
0.143
0.649
0.139
0.644
0.144
0.639
0.149
0.655
0.145
0.650
0.150
0.645
0.155
0.661
0.151
0.656
0.156
0.651
0.161
0.667
0.157
0.662
0.162
0.657
0.167
0.673
0.163
0.668
0.168
0.664
0.174
0.679
0.169
0.675
0.175
0.670
0.180
0.566
0.086
0.560
0.090
0.554
0.094
0.571
0.091
0.565
0.095
0.559
0.099
0.577
0.097
0.571
0.101
0.565
0.105
0.583
0.103
0.577
0.107
0.571
0.111
0.589
0.109
0.584
0.114
0.578
0.118
0.596
0.116
0.590
0.120
0.585
0.125
0.602
0.122
0.597
0.127
0.591
0.131
0.609
0.129
0.603
0.133
0.598
0.138
0.615
0.135
0.610
0.140
0.605
0.145
0.621
0.141
0.616
0.146
0.611
0.151
0.628
0.148
0.623
0.153
0.618
0.158
0.634
0.154
0.629
0.159
0.624
0.164
0.640
0.160
0.635
0.165
0.631
0.171
0.646
0.166
0.642
0.172
0.637
0.177
0.653
0.173
0.648
0.178
0.644
0.184
0.659
0.179
0.655
0.185
0.650
0.190
0.666
0.186
0.662
0.192
0.657
0.197
0.548
0.098
0.542
0.102
0.536
0.106
0.553
0.103
0.547
0.107
0.541
0.111
0.559
0.109
0.553
0.113
0.548
0.118
0.566
0.116
0.560
0.120
0.554
0.124
0.572
0.122
0.567
0.127
0.561
0.131
0.579
0.129
0.574
0.134
0.569
0.139
0.586
0.136
0.581
0.141
0.576
0.146
0.593
0.143
0.588
0.148
0.583
0.153
0.600
0.150
0.595
0.155
0.590
0.160
0.606
0.156
0.601
0.161
0.597
0.167
0.613
0.163
0.608
0.168
0.603
0.173
0.619
0.169
0.615
0.175
0.610
0.180
0.626
0.176
0.621
0.181
0.617
0.187
0.632
0.182
0.628
0.188
0.624
0.194
0.639
0.189
0.635
0.195
0.630
0.200
0.646
0.196
0.642
0.202
0.638
0.208
0.653
0.203
0.649
0.209
0.645
0.215
0.530
0.110
0.524
0.114
0.518
0.118
0.536
0.116
0.530
0.120
0.525
0.125
0.542
0.122
0.537
0.127
0.531
0.131
0.549
0.129
0.544
0.134
0.538
0.138
0.556
0.136
0.551
0.141
0.546
0.146
0.563
0.143
0.558
0.148
0.553
0.153
0.571
0.151
0.566
0.156
0.561
0.161
0.578
0.158
0.573
0.163
0.568
0.168
0.585
0.165
0.580
0.170
0.575
0.175
0.592
0.172
0.587
0.177
0.582
0.182
0.599
0.179
0.594
0.184
0.590
0.190
0.606
0.186
0.601
0.191
0.597
0.197
0.612
0.192
0.608
0.198
0.604
0.204
0.619
0.199
0.615
0.205
0.611
0.211
0.626
0.206
0.622
0.212
0.618
0.218
0.633
0.213
0.629
0.219
0.625
0.225
0.641
0.221
0.637
0.227
0.633
0.233
42
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
35
0.513
0.123
0.507
0.127
0.502
0.132
36
0.519
0.129
0.514
0.134
0.508
0.138
37
0.526
0.136
0.520
0.140
0.515
0.145
38
0.533
0.143
0.528
0.148
0.523
0.153
39
0.541
0.151
0.535
0.155
0.530
0.160
40
0.548
0.158
0.543
0.163
0.538
0.168
Expected Unlimited Loss Group
41
42
43
44
45
0.556 0.563 0.571 0.578 0.585
0.166 0.173 0.181 0.188 0.195
0.551 0.558 0.566 0.573 0.581
0.171 0.178 0.186 0.193 0.201
0.546 0.554 0.561 0.569 0.576
0.176 0.184 0.191 0.199 0.206
46
0.592
0.202
0.588
0.208
0.584
0.214
47
0.599
0.209
0.595
0.215
0.591
0.221
48
0.606
0.216
0.602
0.222
0.598
0.228
49
0.614
0.224
0.610
0.230
0.606
0.236
50
0.621
0.231
0.617
0.237
0.613
0.243
51
0.629
0.239
0.625
0.245
0.621
0.251
0.496
0.136
0.491
0.141
0.486
0.146
0.503
0.143
0.498
0.148
0.493
0.153
0.510
0.150
0.505
0.155
0.500
0.160
0.518
0.158
0.513
0.163
0.508
0.168
0.526
0.166
0.521
0.171
0.516
0.176
0.533
0.173
0.529
0.179
0.524
0.184
0.541
0.181
0.537
0.187
0.532
0.192
0.549
0.189
0.545
0.195
0.540
0.200
0.557
0.197
0.552
0.202
0.548
0.208
0.564
0.204
0.560
0.210
0.556
0.216
0.572
0.212
0.568
0.218
0.564
0.224
0.579
0.219
0.575
0.225
0.571
0.231
0.587
0.227
0.583
0.233
0.579
0.239
0.594
0.234
0.590
0.240
0.586
0.246
0.602
0.242
0.598
0.248
0.594
0.254
0.609
0.249
0.606
0.256
0.602
0.262
0.617
0.257
0.614
0.264
0.610
0.270
0.481
0.151
0.476
0.156
0.471
0.161
0.488
0.158
0.483
0.163
0.478
0.168
0.495
0.165
0.490
0.170
0.485
0.175
0.503
0.173
0.498
0.178
0.493
0.183
0.511
0.181
0.506
0.186
0.502
0.192
0.519
0.189
0.515
0.195
0.510
0.200
0.528
0.198
0.523
0.203
0.519
0.209
0.536
0.206
0.531
0.211
0.527
0.217
0.544
0.214
0.539
0.219
0.535
0.225
0.552
0.222
0.547
0.227
0.543
0.233
0.559
0.229
0.555
0.235
0.551
0.241
0.567
0.237
0.563
0.243
0.559
0.249
0.575
0.245
0.571
0.251
0.567
0.257
0.582
0.252
0.579
0.259
0.575
0.265
0.590
0.260
0.586
0.266
0.583
0.273
0.598
0.268
0.595
0.275
0.591
0.281
0.606
0.276
0.603
0.283
0.599
0.289
0.466
0.166
0.461
0.171
0.456
0.176
0.473
0.173
0.468
0.178
0.463
0.183
0.480
0.180
0.476
0.186
0.471
0.191
0.489
0.189
0.484
0.194
0.480
0.200
0.497
0.197
0.493
0.203
0.488
0.208
0.506
0.206
0.501
0.211
0.497
0.217
0.514
0.214
0.510
0.220
0.506
0.226
0.523
0.223
0.519
0.229
0.514
0.234
0.531
0.231
0.527
0.237
0.523
0.243
0.539
0.239
0.535
0.245
0.531
0.251
0.547
0.247
0.543
0.253
0.539
0.259
0.555
0.255
0.551
0.261
0.548
0.268
0.563
0.263
0.559
0.269
0.556
0.276
0.571
0.271
0.567
0.277
0.564
0.284
0.579
0.279
0.575
0.285
0.572
0.292
0.587
0.287
0.584
0.294
0.580
0.300
0.596
0.296
0.592
0.302
0.589
0.309
0.451
0.181
0.447
0.187
0.442
0.192
0.459
0.189
0.454
0.194
0.450
0.200
0.467
0.197
0.462
0.202
0.458
0.208
0.475
0.205
0.471
0.211
0.466
0.216
0.484
0.214
0.480
0.220
0.475
0.225
0.493
0.223
0.489
0.229
0.485
0.235
0.502
0.232
0.498
0.238
0.493
0.243
0.510
0.240
0.506
0.246
0.502
0.252
0.519
0.249
0.515
0.255
0.511
0.261
0.527
0.257
0.523
0.263
0.520
0.270
0.536
0.266
0.532
0.272
0.528
0.278
0.544
0.274
0.540
0.280
0.537
0.287
0.552
0.282
0.548
0.288
0.545
0.295
0.560
0.290
0.557
0.297
0.553
0.303
0.568
0.298
0.565
0.305
0.561
0.311
0.577
0.307
0.574
0.314
0.570
0.320
0.585
0.315
0.582
0.322
0.579
0.329
0.438
0.198
0.433
0.203
0.429
0.209
0.445
0.205
0.441
0.211
0.437
0.217
0.453
0.213
0.449
0.219
0.445
0.225
0.462
0.222
0.458
0.228
0.454
0.234
0.471
0.231
0.467
0.237
0.463
0.243
0.480
0.240
0.476
0.246
0.472
0.252
0.489
0.249
0.486
0.256
0.482
0.262
0.498
0.258
0.495
0.265
0.491
0.271
0.507
0.267
0.503
0.273
0.500
0.280
0.516
0.276
0.512
0.282
0.509
0.289
0.524
0.284
0.521
0.291
0.517
0.297
0.533
0.293
0.529
0.299
0.526
0.306
0.541
0.301
0.538
0.308
0.534
0.314
0.550
0.310
0.546
0.316
0.543
0.323
0.558
0.318
0.555
0.325
0.551
0.331
0.567
0.327
0.564
0.334
0.560
0.340
0.576
0.336
0.572
0.342
0.569
0.349
0.424
0.214
0.420
0.220
0.416
0.226
0.432
0.222
0.428
0.228
0.424
0.234
0.441
0.231
0.436
0.236
0.432
0.242
0.450
0.240
0.446
0.246
0.442
0.252
0.459
0.249
0.455
0.255
0.451
0.261
0.469
0.259
0.465
0.265
0.461
0.271
0.478
0.268
0.474
0.274
0.470
0.280
0.487
0.277
0.483
0.283
0.480
0.290
0.496
0.286
0.492
0.292
0.489
0.299
0.505
0.295
0.501
0.301
0.498
0.308
0.514
0.304
0.510
0.310
0.507
0.317
0.522
0.312
0.519
0.319
0.516
0.326
0.531
0.321
0.528
0.328
0.524
0.334
0.540
0.330
0.536
0.336
0.533
0.343
0.548
0.338
0.545
0.345
0.542
0.352
0.557
0.347
0.554
0.354
0.551
0.361
0.566
0.356
0.563
0.363
0.560
0.370
0.412
0.232
0.408
0.238
0.403
0.243
0.420
0.240
0.416
0.246
0.412
0.252
0.428
0.248
0.424
0.254
0.420
0.260
0.438
0.258
0.434
0.264
0.430
0.270
0.447
0.267
0.444
0.274
0.440
0.280
0.457
0.277
0.453
0.283
0.450
0.290
0.467
0.287
0.463
0.293
0.459
0.299
0.476
0.296
0.473
0.303
0.469
0.309
0.485
0.305
0.482
0.312
0.478
0.318
0.494
0.314
0.491
0.321
0.488
0.328
0.503
0.323
0.500
0.330
0.497
0.337
0.512
0.332
0.509
0.339
0.506
0.346
0.521
0.341
0.518
0.348
0.515
0.355
0.530
0.350
0.527
0.357
0.524
0.364
0.539
0.359
0.536
0.366
0.533
0.373
0.548
0.368
0.545
0.375
0.542
0.382
0.557
0.377
0.554
0.384
0.551
0.391
0.399
0.249
0.396
0.256
0.392
0.262
0.408
0.258
0.404
0.264
0.400
0.270
0.417
0.267
0.413
0.273
0.409
0.279
0.426
0.276
0.422
0.282
0.419
0.289
0.436
0.286
0.432
0.292
0.429
0.299
0.446
0.296
0.442
0.302
0.439
0.309
0.456
0.306
0.452
0.312
0.449
0.319
0.466
0.316
0.462
0.322
0.459
0.329
0.475
0.325
0.472
0.332
0.468
0.338
0.484
0.334
0.481
0.341
0.478
0.348
0.494
0.344
0.490
0.350
0.487
0.357
0.503
0.353
0.500
0.360
0.496
0.366
0.512
0.362
0.509
0.369
0.506
0.376
0.521
0.371
0.518
0.378
0.515
0.385
0.530
0.380
0.527
0.387
0.524
0.394
0.539
0.389
0.536
0.396
0.533
0.403
0.548
0.398
0.546
0.406
0.543
0.413
0.388
0.268
0.384
0.274
0.380
0.280
0.396
0.276
0.393
0.283
0.389
0.289
0.405
0.285
0.402
0.292
0.398
0.298
0.415
0.295
0.412
0.302
0.408
0.308
0.425
0.305
0.422
0.312
0.418
0.318
0.435
0.315
0.432
0.322
0.429
0.329
0.445
0.325
0.442
0.332
0.439
0.339
0.455
0.335
0.452
0.342
0.449
0.349
0.465
0.345
0.462
0.352
0.459
0.359
0.475
0.355
0.472
0.362
0.468
0.368
0.484
0.364
0.481
0.371
0.478
0.378
0.493
0.373
0.490
0.380
0.487
0.387
0.503
0.383
0.500
0.390
0.497
0.397
0.512
0.392
0.509
0.399
0.506
0.406
0.521
0.401
0.518
0.408
0.515
0.415
0.530
0.410
0.528
0.418
0.525
0.425
0.540
0.420
0.537
0.427
0.534
0.434
43
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.91
35
0.377
0.287
0.373
0.293
0.370
0.300
36
0.385
0.295
0.382
0.302
0.378
0.308
37
0.395
0.305
0.391
0.311
0.388
0.318
38
0.405
0.315
0.401
0.321
0.398
0.328
39
0.415
0.325
0.412
0.332
0.408
0.338
40
0.425
0.335
0.422
0.342
0.419
0.349
Expected Unlimited Loss Group
41
42
43
44
45
0.436 0.446 0.456 0.465 0.475
0.346 0.356 0.366 0.375 0.385
0.432 0.443 0.452 0.462 0.472
0.352 0.363 0.372 0.382 0.392
0.429 0.439 0.449 0.459 0.469
0.359 0.369 0.379 0.389 0.399
46
0.484
0.394
0.482
0.402
0.478
0.408
47
0.494
0.404
0.491
0.411
0.488
0.418
48
0.503
0.413
0.500
0.420
0.498
0.428
49
0.512
0.422
0.510
0.430
0.507
0.437
50
0.522
0.432
0.519
0.439
0.517
0.447
51
0.532
0.442
0.529
0.449
0.527
0.457
0.366
0.306
0.364
0.314
0.360
0.320
0.375
0.315
0.373
0.323
0.370
0.330
0.384
0.324
0.382
0.332
0.379
0.339
0.395
0.335
0.392
0.342
0.390
0.350
0.405
0.345
0.402
0.352
0.400
0.360
0.416
0.356
0.413
0.363
0.410
0.370
0.426
0.366
0.423
0.373
0.420
0.380
0.436
0.376
0.433
0.383
0.431
0.391
0.446
0.386
0.443
0.393
0.440
0.400
0.456
0.396
0.453
0.403
0.450
0.410
0.466
0.406
0.463
0.413
0.460
0.420
0.476
0.416
0.473
0.423
0.470
0.430
0.485
0.425
0.482
0.432
0.480
0.440
0.495
0.435
0.492
0.442
0.489
0.449
0.505
0.445
0.502
0.452
0.499
0.459
0.515
0.455
0.512
0.462
0.509
0.469
0.524
0.464
0.522
0.472
0.519
0.479
0.358
0.328
0.354
0.334
0.353
0.343
0.367
0.337
0.364
0.344
0.363
0.353
0.377
0.347
0.374
0.354
0.372
0.362
0.387
0.357
0.385
0.365
0.382
0.372
0.397
0.367
0.395
0.375
0.392
0.382
0.408
0.378
0.405
0.385
0.402
0.392
0.418
0.388
0.415
0.395
0.412
0.402
0.428
0.398
0.425
0.405
0.423
0.413
0.438
0.408
0.435
0.415
0.433
0.423
0.448
0.418
0.445
0.425
0.442
0.432
0.457
0.427
0.455
0.435
0.452
0.442
0.467
0.437
0.465
0.445
0.462
0.452
0.477
0.447
0.475
0.455
0.472
0.462
0.487
0.457
0.485
0.465
0.482
0.472
0.497
0.467
0.495
0.475
0.492
0.482
0.507
0.477
0.505
0.485
0.502
0.492
0.517
0.487
0.515
0.495
0.512
0.502
1.00
1.01
1.02
1.03
1.04
1.05
0.350
0.342
0.339
0.335
0.332
0.329
0.360
0.352
0.348
0.344
0.341
0.338
0.370
0.362
0.358
0.353
0.350
0.347
0.380
0.372
0.367
0.364
0.361
0.358
0.390
0.383
0.378
0.375
0.373
0.369
0.400
0.394
0.390
0.388
0.385
0.381
0.410
0.405
0.402
0.399
0.396
0.393
0.420
0.416
0.413
0.410
0.408
0.405
0.430
0.426
0.423
0.421
0.419
0.417
0.440
0.436
0.434
0.431
0.430
0.427
0.450
0.446
0.444
0.441
0.440
0.438
0.460
0.456
0.454
0.452
0.450
0.447
0.470
0.466
0.464
0.461
0.459
0.457
0.480
0.476
0.474
0.471
0.469
0.466
0.490
0.486
0.483
0.481
0.478
0.476
0.500
0.496
0.493
0.491
0.488
0.485
0.510
0.506
0.504
0.501
0.497
0.494
1.06
1.07
1.08
1.09
1.10
0.326
0.323
0.319
0.316
0.313
0.335
0.332
0.328
0.324
0.321
0.344
0.341
0.338
0.333
0.330
0.355
0.351
0.349
0.345
0.342
0.366
0.363
0.360
0.357
0.354
0.378
0.376
0.373
0.370
0.367
0.391
0.388
0.385
0.382
0.380
0.403
0.400
0.398
0.395
0.393
0.414
0.412
0.409
0.407
0.404
0.425
0.422
0.420
0.418
0.416
0.435
0.433
0.430
0.428
0.426
0.445
0.443
0.440
0.438
0.436
0.455
0.452
0.450
0.448
0.445
0.464
0.462
0.459
0.457
0.455
0.473
0.471
0.469
0.466
0.464
0.483
0.480
0.478
0.476
0.474
0.492
0.490
0.488
0.485
0.483
1.11
1.12
1.13
1.14
1.15
0.310
0.307
0.304
0.302
0.299
0.318
0.315
0.313
0.310
0.307
0.328
0.325
0.322
0.319
0.317
0.339
0.336
0.334
0.331
0.329
0.352
0.349
0.346
0.344
0.341
0.364
0.362
0.359
0.357
0.354
0.377
0.375
0.372
0.370
0.367
0.390
0.388
0.385
0.383
0.381
0.402
0.400
0.397
0.395
0.393
0.413
0.411
0.409
0.406
0.404
0.424
0.421
0.419
0.417
0.415
0.434
0.431
0.429
0.427
0.425
0.443
0.441
0.438
0.436
0.434
0.452
0.449
0.447
0.445
0.443
0.462
0.459
0.456
0.454
0.452
0.471
0.469
0.466
0.464
0.462
0.481
0.478
0.476
0.474
0.472
1.16
1.17
1.18
1.19
1.20
0.296
0.294
0.291
0.288
0.286
0.305
0.302
0.299
0.297
0.294
0.314
0.312
0.309
0.307
0.304
0.326
0.323
0.321
0.318
0.316
0.339
0.336
0.334
0.331
0.329
0.352
0.349
0.347
0.345
0.342
0.365
0.363
0.360
0.358
0.356
0.378
0.376
0.374
0.371
0.369
0.390
0.388
0.386
0.384
0.382
0.402
0.400
0.397
0.395
0.393
0.412
0.410
0.408
0.406
0.404
0.422
0.420
0.418
0.416
0.414
0.432
0.430
0.428
0.425
0.423
0.441
0.439
0.437
0.435
0.432
0.450
0.448
0.446
0.444
0.442
0.460
0.458
0.456
0.454
0.452
0.470
0.468
0.466
0.464
0.462
1.21
1.22
1.23
1.24
1.25
0.283
0.281
0.279
0.276
0.274
0.292
0.290
0.287
0.285
0.282
0.302
0.299
0.297
0.294
0.292
0.314
0.311
0.309
0.307
0.304
0.327
0.324
0.322
0.320
0.318
0.340
0.338
0.336
0.333
0.331
0.354
0.351
0.349
0.347
0.345
0.367
0.365
0.363
0.361
0.359
0.379
0.377
0.375
0.373
0.371
0.391
0.389
0.387
0.385
0.383
0.402
0.400
0.398
0.396
0.394
0.412
0.410
0.408
0.406
0.404
0.421
0.419
0.417
0.415
0.413
0.430
0.428
0.426
0.425
0.423
0.440
0.438
0.436
0.434
0.432
0.450
0.448
0.446
0.444
0.442
0.460
0.458
0.456
0.454
0.452
1.26
1.27
1.28
1.29
1.30
0.272
0.269
0.267
0.265
0.262
0.280
0.278
0.276
0.273
0.271
0.290
0.288
0.285
0.283
0.281
0.302
0.300
0.298
0.295
0.293
0.315
0.313
0.311
0.309
0.307
0.329
0.327
0.325
0.323
0.321
0.343
0.341
0.339
0.337
0.335
0.357
0.354
0.352
0.350
0.348
0.369
0.367
0.365
0.363
0.361
0.381
0.379
0.377
0.375
0.373
0.392
0.390
0.388
0.386
0.384
0.402
0.400
0.398
0.396
0.394
0.411
0.410
0.408
0.406
0.404
0.421
0.419
0.417
0.415
0.413
0.430
0.428
0.426
0.424
0.423
0.440
0.438
0.437
0.435
0.433
0.451
0.449
0.447
0.445
0.443
1.31
1.32
1.33
1.34
1.35
0.260
0.258
0.256
0.254
0.252
0.269
0.267
0.265
0.263
0.260
0.279
0.277
0.274
0.272
0.270
0.291
0.289
0.287
0.285
0.283
0.305
0.303
0.301
0.299
0.297
0.319
0.317
0.315
0.313
0.311
0.333
0.331
0.329
0.327
0.325
0.347
0.345
0.343
0.341
0.339
0.359
0.357
0.355
0.354
0.352
0.371
0.369
0.367
0.366
0.364
0.382
0.380
0.379
0.377
0.375
0.392
0.391
0.389
0.387
0.385
0.402
0.400
0.398
0.397
0.395
0.411
0.410
0.408
0.406
0.404
0.421
0.419
0.417
0.415
0.414
0.431
0.429
0.428
0.426
0.424
0.442
0.440
0.438
0.436
0.435
1.36
1.37
1.38
1.39
1.40
0.250
0.248
0.246
0.244
0.242
0.258
0.256
0.254
0.252
0.250
0.268
0.266
0.264
0.262
0.260
0.281
0.279
0.277
0.275
0.273
0.295
0.293
0.291
0.289
0.287
0.309
0.307
0.305
0.303
0.301
0.323
0.321
0.319
0.317
0.316
0.337
0.335
0.334
0.332
0.330
0.350
0.348
0.346
0.345
0.343
0.362
0.360
0.359
0.357
0.355
0.373
0.371
0.370
0.368
0.366
0.383
0.382
0.380
0.378
0.377
0.393
0.391
0.390
0.388
0.386
0.403
0.401
0.399
0.397
0.396
0.412
0.410
0.409
0.407
0.405
0.422
0.421
0.419
0.417
0.416
0.433
0.431
0.430
0.428
0.426
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
44
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
35
0.240
0.238
0.236
0.234
0.232
36
0.249
0.247
0.245
0.243
0.241
37
0.259
0.257
0.255
0.253
0.251
38
0.271
0.269
0.268
0.266
0.264
39
0.285
0.283
0.282
0.280
0.278
40
0.300
0.298
0.296
0.294
0.293
Expected Unlimited Loss Group
41
42
43
44
45
0.314 0.328 0.341 0.353 0.365
0.312 0.327 0.340 0.352 0.363
0.310 0.325 0.338 0.350 0.361
0.309 0.323 0.336 0.349 0.360
0.307 0.322 0.335 0.347 0.358
46
0.375
0.373
0.372
0.370
0.369
47
0.385
0.383
0.381
0.380
0.378
48
0.394
0.392
0.391
0.389
0.388
49
0.404
0.402
0.400
0.399
0.397
50
0.414
0.413
0.411
0.409
0.408
51
0.425
0.423
0.421
0.420
0.418
1.46
1.47
1.48
1.49
1.50
0.231
0.229
0.227
0.225
0.224
0.239
0.237
0.236
0.234
0.232
0.249
0.248
0.246
0.244
0.242
0.262
0.260
0.259
0.257
0.255
0.276
0.275
0.273
0.271
0.269
0.291
0.289
0.287
0.286
0.284
0.305
0.304
0.302
0.300
0.299
0.320
0.318
0.317
0.315
0.313
0.333
0.331
0.330
0.328
0.327
0.345
0.344
0.342
0.341
0.339
0.356
0.355
0.353
0.352
0.350
0.367
0.365
0.364
0.362
0.361
0.377
0.375
0.374
0.372
0.371
0.386
0.385
0.383
0.381
0.380
0.396
0.394
0.393
0.391
0.390
0.406
0.405
0.403
0.402
0.400
0.417
0.415
0.414
0.412
0.411
1.51
1.52
1.53
1.54
1.55
0.222
0.220
0.219
0.217
0.215
0.231
0.229
0.227
0.226
0.224
0.241
0.239
0.237
0.236
0.234
0.254
0.252
0.250
0.249
0.247
0.268
0.266
0.265
0.263
0.261
0.283
0.281
0.279
0.278
0.276
0.297
0.296
0.294
0.293
0.291
0.312
0.310
0.309
0.307
0.306
0.325
0.324
0.322
0.321
0.319
0.338
0.336
0.335
0.333
0.332
0.349
0.347
0.346
0.344
0.343
0.359
0.358
0.356
0.355
0.353
0.369
0.368
0.366
0.365
0.363
0.378
0.377
0.376
0.374
0.373
0.388
0.387
0.385
0.384
0.382
0.399
0.397
0.396
0.394
0.393
0.409
0.408
0.406
0.405
0.404
1.56
1.57
1.58
1.59
1.60
0.214
0.212
0.211
0.209
0.208
0.222
0.221
0.219
0.218
0.216
0.233
0.231
0.229
0.228
0.226
0.246
0.244
0.242
0.241
0.239
0.260
0.258
0.257
0.255
0.254
0.275
0.273
0.272
0.270
0.269
0.290
0.288
0.287
0.285
0.284
0.304
0.303
0.301
0.300
0.299
0.318
0.316
0.315
0.313
0.312
0.330
0.329
0.327
0.326
0.324
0.341
0.340
0.339
0.337
0.336
0.352
0.351
0.349
0.348
0.346
0.362
0.360
0.359
0.358
0.356
0.371
0.370
0.368
0.367
0.366
0.381
0.379
0.378
0.377
0.375
0.391
0.390
0.389
0.387
0.386
0.402
0.401
0.399
0.398
0.397
1.61
1.62
1.63
1.64
1.65
0.206
0.205
0.203
0.202
0.200
0.215
0.213
0.212
0.210
0.209
0.225
0.223
0.222
0.220
0.219
0.238
0.236
0.235
0.234
0.232
0.252
0.251
0.249
0.248
0.247
0.267
0.266
0.264
0.263
0.262
0.282
0.281
0.279
0.278
0.277
0.297
0.296
0.294
0.293
0.292
0.311
0.309
0.308
0.307
0.305
0.323
0.322
0.320
0.319
0.318
0.334
0.333
0.332
0.330
0.329
0.345
0.344
0.342
0.341
0.340
0.355
0.353
0.352
0.351
0.349
0.364
0.363
0.362
0.360
0.359
0.374
0.373
0.371
0.370
0.369
0.385
0.383
0.382
0.381
0.379
0.395
0.394
0.393
0.391
0.390
1.66
1.67
1.68
1.69
1.70
0.199
0.197
0.196
0.195
0.193
0.207
0.206
0.205
0.203
0.202
0.217
0.216
0.215
0.213
0.212
0.231
0.229
0.228
0.227
0.225
0.245
0.244
0.242
0.241
0.240
0.260
0.259
0.258
0.256
0.255
0.275
0.274
0.273
0.271
0.270
0.290
0.289
0.288
0.286
0.285
0.304
0.303
0.301
0.300
0.299
0.316
0.315
0.314
0.313
0.311
0.328
0.326
0.325
0.324
0.323
0.338
0.337
0.336
0.334
0.333
0.348
0.347
0.346
0.344
0.343
0.358
0.356
0.355
0.354
0.353
0.367
0.366
0.365
0.363
0.362
0.378
0.377
0.375
0.374
0.373
0.389
0.387
0.386
0.385
0.384
1.71
1.72
1.73
1.74
1.75
0.192
0.190
0.189
0.188
0.187
0.200
0.199
0.198
0.196
0.195
0.211
0.209
0.208
0.207
0.205
0.224
0.222
0.221
0.220
0.219
0.238
0.237
0.236
0.235
0.233
0.254
0.252
0.251
0.250
0.248
0.269
0.267
0.266
0.265
0.264
0.284
0.283
0.281
0.280
0.279
0.297
0.296
0.295
0.294
0.292
0.310
0.309
0.308
0.306
0.305
0.321
0.320
0.319
0.318
0.317
0.332
0.331
0.329
0.328
0.327
0.342
0.341
0.339
0.338
0.337
0.351
0.350
0.349
0.348
0.346
0.361
0.360
0.358
0.357
0.356
0.372
0.370
0.369
0.368
0.367
0.382
0.381
0.380
0.379
0.378
1.76
1.77
1.78
1.79
1.80
0.185
0.184
0.183
0.181
0.180
0.194
0.193
0.191
0.190
0.189
0.204
0.203
0.201
0.200
0.199
0.217
0.216
0.215
0.214
0.212
0.232
0.231
0.229
0.228
0.227
0.247
0.246
0.245
0.244
0.242
0.262
0.261
0.260
0.259
0.258
0.278
0.276
0.275
0.274
0.273
0.291
0.290
0.289
0.288
0.287
0.304
0.303
0.302
0.300
0.299
0.315
0.314
0.313
0.312
0.311
0.326
0.325
0.323
0.322
0.321
0.336
0.335
0.333
0.332
0.331
0.345
0.344
0.343
0.342
0.341
0.355
0.354
0.353
0.351
0.350
0.366
0.364
0.363
0.362
0.361
0.376
0.375
0.374
0.373
0.372
1.81
1.82
1.83
1.84
1.85
0.179
0.178
0.177
0.175
0.174
0.188
0.186
0.185
0.184
0.183
0.198
0.197
0.195
0.194
0.193
0.211
0.210
0.209
0.207
0.206
0.226
0.225
0.223
0.222
0.221
0.241
0.240
0.239
0.238
0.236
0.256
0.255
0.254
0.253
0.252
0.272
0.271
0.269
0.268
0.267
0.285
0.284
0.283
0.282
0.281
0.298
0.297
0.296
0.295
0.294
0.309
0.308
0.307
0.306
0.305
0.320
0.319
0.318
0.317
0.316
0.330
0.329
0.328
0.327
0.325
0.339
0.338
0.337
0.336
0.335
0.349
0.348
0.347
0.346
0.345
0.360
0.359
0.358
0.356
0.355
0.371
0.369
0.368
0.367
0.366
1.86
1.87
1.88
1.89
1.90
0.173
0.172
0.171
0.170
0.169
0.182
0.181
0.179
0.178
0.177
0.192
0.191
0.190
0.188
0.187
0.205
0.204
0.203
0.202
0.201
0.220
0.219
0.218
0.217
0.215
0.235
0.234
0.233
0.232
0.231
0.251
0.250
0.248
0.247
0.246
0.266
0.265
0.264
0.263
0.262
0.280
0.279
0.278
0.277
0.275
0.292
0.291
0.290
0.289
0.288
0.304
0.303
0.302
0.301
0.300
0.314
0.313
0.312
0.311
0.310
0.324
0.323
0.322
0.321
0.320
0.334
0.333
0.332
0.331
0.330
0.343
0.342
0.341
0.340
0.339
0.354
0.353
0.352
0.351
0.350
0.365
0.364
0.363
0.362
0.361
1.91
1.92
1.93
1.94
1.95
0.168
0.166
0.165
0.164
0.163
0.176
0.175
0.174
0.173
0.172
0.186
0.185
0.184
0.183
0.182
0.200
0.198
0.197
0.196
0.195
0.214
0.213
0.212
0.211
0.210
0.230
0.229
0.228
0.227
0.226
0.245
0.244
0.243
0.242
0.241
0.261
0.260
0.259
0.258
0.257
0.274
0.273
0.272
0.271
0.270
0.287
0.286
0.285
0.284
0.283
0.299
0.298
0.296
0.295
0.294
0.309
0.308
0.307
0.306
0.305
0.319
0.318
0.317
0.316
0.315
0.328
0.327
0.326
0.325
0.324
0.338
0.337
0.336
0.335
0.334
0.349
0.348
0.347
0.346
0.345
0.360
0.359
0.358
0.357
0.356
1.96
1.97
1.98
1.99
2.00
0.162
0.161
0.160
0.159
0.158
0.171
0.170
0.169
0.168
0.167
0.181
0.180
0.179
0.178
0.177
0.194
0.193
0.192
0.191
0.190
0.209
0.208
0.207
0.206
0.205
0.224
0.223
0.222
0.221
0.220
0.240
0.239
0.238
0.237
0.236
0.256
0.254
0.253
0.253
0.252
0.269
0.268
0.267
0.266
0.265
0.282
0.281
0.280
0.279
0.278
0.293
0.292
0.291
0.290
0.289
0.304
0.303
0.302
0.301
0.300
0.314
0.313
0.312
0.311
0.310
0.323
0.322
0.321
0.320
0.319
0.333
0.332
0.331
0.330
0.329
0.344
0.343
0.342
0.341
0.340
0.355
0.354
0.353
0.352
0.351
45
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
35
0.157
0.156
0.155
0.154
0.153
36
0.166
0.165
0.164
0.163
0.162
37
0.176
0.175
0.174
0.173
0.172
38
0.189
0.188
0.187
0.186
0.185
39
0.204
0.203
0.202
0.201
0.200
40
0.219
0.218
0.217
0.217
0.216
Expected Unlimited Loss Group
41
42
43
44
45
0.235 0.251 0.264 0.277 0.289
0.234 0.250 0.263 0.276 0.288
0.233 0.249 0.262 0.275 0.287
0.232 0.248 0.261 0.274 0.286
0.231 0.247 0.261 0.273 0.285
46
0.299
0.298
0.297
0.296
0.295
47
0.309
0.308
0.307
0.306
0.305
48
0.318
0.317
0.317
0.316
0.315
49
0.328
0.327
0.326
0.325
0.324
50
0.339
0.338
0.337
0.336
0.335
51
0.350
0.349
0.348
0.347
0.346
2.06
2.07
2.08
2.09
2.10
0.152
0.151
0.151
0.150
0.149
0.161
0.160
0.159
0.158
0.157
0.171
0.170
0.169
0.168
0.167
0.184
0.183
0.182
0.181
0.180
0.199
0.198
0.197
0.196
0.195
0.215
0.214
0.213
0.212
0.211
0.230
0.229
0.228
0.227
0.227
0.246
0.245
0.244
0.243
0.242
0.260
0.259
0.258
0.257
0.256
0.272
0.271
0.271
0.270
0.269
0.284
0.283
0.282
0.281
0.280
0.294
0.293
0.293
0.292
0.291
0.304
0.303
0.302
0.301
0.301
0.314
0.313
0.312
0.311
0.310
0.323
0.322
0.322
0.321
0.320
0.334
0.333
0.332
0.331
0.331
0.345
0.344
0.343
0.342
0.341
2.11
2.12
2.13
2.14
2.15
0.148
0.147
0.146
0.145
0.144
0.156
0.155
0.154
0.153
0.153
0.166
0.165
0.164
0.163
0.163
0.179
0.179
0.178
0.177
0.176
0.194
0.193
0.193
0.192
0.191
0.210
0.209
0.208
0.207
0.206
0.226
0.225
0.224
0.223
0.222
0.241
0.240
0.240
0.239
0.238
0.255
0.254
0.253
0.253
0.252
0.268
0.267
0.266
0.265
0.264
0.279
0.278
0.278
0.277
0.276
0.290
0.289
0.288
0.287
0.286
0.300
0.299
0.298
0.297
0.296
0.309
0.308
0.307
0.307
0.306
0.319
0.318
0.317
0.316
0.315
0.330
0.329
0.328
0.327
0.326
0.340
0.340
0.339
0.338
0.337
2.16
2.17
2.18
2.19
2.20
0.144
0.143
0.142
0.141
0.140
0.152
0.151
0.150
0.149
0.148
0.162
0.161
0.160
0.159
0.158
0.175
0.174
0.173
0.172
0.172
0.190
0.189
0.188
0.187
0.187
0.206
0.205
0.204
0.203
0.202
0.221
0.220
0.220
0.219
0.218
0.237
0.236
0.235
0.234
0.234
0.251
0.250
0.249
0.248
0.248
0.264
0.263
0.262
0.261
0.260
0.275
0.274
0.273
0.273
0.272
0.286
0.285
0.284
0.283
0.282
0.295
0.295
0.294
0.293
0.292
0.305
0.304
0.303
0.302
0.301
0.315
0.314
0.313
0.312
0.311
0.325
0.324
0.324
0.323
0.322
0.336
0.335
0.334
0.334
0.333
2.21
2.22
2.23
2.24
2.25
0.139
0.139
0.138
0.137
0.136
0.148
0.147
0.146
0.145
0.144
0.157
0.157
0.156
0.155
0.154
0.171
0.170
0.169
0.168
0.168
0.186
0.185
0.184
0.183
0.182
0.201
0.201
0.200
0.199
0.198
0.217
0.216
0.215
0.215
0.214
0.233
0.232
0.231
0.230
0.230
0.247
0.246
0.245
0.244
0.244
0.259
0.259
0.258
0.257
0.256
0.271
0.270
0.269
0.269
0.268
0.281
0.281
0.280
0.279
0.278
0.291
0.290
0.290
0.289
0.288
0.301
0.300
0.299
0.298
0.297
0.310
0.310
0.309
0.308
0.307
0.321
0.320
0.319
0.319
0.318
0.332
0.331
0.330
0.329
0.329
2.26
2.27
2.28
2.29
2.30
0.136
0.135
0.134
0.133
0.133
0.144
0.143
0.142
0.141
0.141
0.153
0.153
0.152
0.151
0.150
0.167
0.166
0.165
0.164
0.164
0.182
0.181
0.180
0.179
0.179
0.197
0.197
0.196
0.195
0.194
0.213
0.212
0.212
0.211
0.210
0.229
0.228
0.227
0.227
0.226
0.243
0.242
0.241
0.240
0.240
0.256
0.255
0.254
0.253
0.252
0.267
0.266
0.265
0.265
0.264
0.277
0.277
0.276
0.275
0.274
0.287
0.286
0.286
0.285
0.284
0.297
0.296
0.295
0.294
0.294
0.306
0.305
0.305
0.304
0.303
0.317
0.316
0.315
0.315
0.314
0.328
0.327
0.326
0.325
0.325
2.31
2.32
2.33
2.34
2.35
0.132
0.131
0.130
0.130
0.129
0.140
0.139
0.138
0.138
0.137
0.150
0.149
0.148
0.147
0.147
0.163
0.162
0.161
0.161
0.160
0.178
0.177
0.176
0.176
0.175
0.193
0.193
0.192
0.191
0.190
0.209
0.208
0.208
0.207
0.206
0.225
0.224
0.224
0.223
0.222
0.239
0.238
0.237
0.237
0.236
0.252
0.251
0.250
0.249
0.249
0.263
0.262
0.262
0.261
0.260
0.274
0.273
0.272
0.271
0.271
0.283
0.283
0.282
0.281
0.280
0.293
0.292
0.291
0.290
0.290
0.302
0.302
0.301
0.300
0.299
0.313
0.312
0.312
0.311
0.310
0.324
0.323
0.322
0.322
0.321
2.36
2.37
2.38
2.39
2.40
0.128
0.128
0.127
0.126
0.125
0.136
0.135
0.135
0.134
0.133
0.146
0.145
0.144
0.144
0.143
0.159
0.158
0.158
0.157
0.156
0.174
0.173
0.173
0.172
0.171
0.190
0.189
0.188
0.188
0.187
0.206
0.205
0.204
0.203
0.203
0.221
0.221
0.220
0.219
0.219
0.235
0.235
0.234
0.233
0.232
0.248
0.247
0.247
0.246
0.245
0.259
0.259
0.258
0.257
0.257
0.270
0.269
0.268
0.268
0.267
0.280
0.279
0.278
0.277
0.277
0.289
0.288
0.288
0.287
0.286
0.299
0.298
0.297
0.296
0.296
0.309
0.309
0.308
0.307
0.306
0.320
0.319
0.319
0.318
0.317
2.41
2.42
2.43
2.44
2.45
0.125
0.124
0.124
0.123
0.122
0.133
0.132
0.131
0.131
0.130
0.142
0.142
0.141
0.140
0.140
0.156
0.155
0.154
0.154
0.153
0.171
0.170
0.169
0.168
0.168
0.186
0.185
0.185
0.184
0.183
0.202
0.201
0.201
0.200
0.199
0.218
0.217
0.216
0.216
0.215
0.232
0.231
0.230
0.230
0.229
0.244
0.244
0.243
0.242
0.242
0.256
0.255
0.254
0.254
0.253
0.266
0.265
0.265
0.264
0.263
0.276
0.275
0.275
0.274
0.273
0.285
0.285
0.284
0.283
0.283
0.295
0.294
0.294
0.293
0.292
0.306
0.305
0.304
0.304
0.303
0.316
0.316
0.315
0.314
0.314
2.46
2.47
2.48
2.49
2.50
0.122
0.121
0.120
0.120
0.119
0.129
0.129
0.128
0.128
0.127
0.139
0.138
0.138
0.137
0.136
0.152
0.152
0.151
0.150
0.150
0.167
0.166
0.166
0.165
0.164
0.183
0.182
0.181
0.181
0.180
0.199
0.198
0.197
0.197
0.196
0.214
0.214
0.213
0.212
0.212
0.228
0.228
0.227
0.226
0.226
0.241
0.240
0.240
0.239
0.238
0.252
0.252
0.251
0.250
0.250
0.263
0.262
0.261
0.261
0.260
0.272
0.272
0.271
0.270
0.270
0.282
0.281
0.280
0.280
0.279
0.291
0.291
0.290
0.289
0.289
0.302
0.301
0.301
0.300
0.299
0.313
0.312
0.311
0.311
0.310
2.51
2.52
2.53
2.54
2.55
0.118
0.118
0.117
0.117
0.116
0.126
0.126
0.125
0.124
0.124
0.136
0.135
0.135
0.134
0.133
0.149
0.148
0.148
0.147
0.146
0.164
0.163
0.163
0.162
0.161
0.179
0.179
0.178
0.178
0.177
0.195
0.195
0.194
0.193
0.193
0.211
0.210
0.210
0.209
0.209
0.225
0.224
0.224
0.223
0.222
0.238
0.237
0.236
0.236
0.235
0.249
0.248
0.248
0.247
0.246
0.259
0.259
0.258
0.257
0.257
0.269
0.268
0.268
0.267
0.266
0.278
0.278
0.277
0.276
0.276
0.288
0.287
0.287
0.286
0.285
0.299
0.298
0.297
0.297
0.296
0.309
0.309
0.308
0.307
0.307
2.56
2.57
2.58
2.59
2.60
0.116
0.115
0.114
0.114
0.113
0.123
0.123
0.122
0.121
0.121
0.133
0.132
0.132
0.131
0.130
0.146
0.145
0.145
0.144
0.143
0.161
0.160
0.159
0.159
0.158
0.176
0.176
0.175
0.174
0.174
0.192
0.191
0.191
0.190
0.190
0.208
0.207
0.207
0.206
0.205
0.222
0.221
0.220
0.220
0.219
0.234
0.234
0.233
0.233
0.232
0.246
0.245
0.244
0.244
0.243
0.256
0.255
0.255
0.254
0.254
0.266
0.265
0.264
0.264
0.263
0.275
0.274
0.274
0.273
0.273
0.285
0.284
0.283
0.283
0.282
0.295
0.295
0.294
0.293
0.293
0.306
0.305
0.305
0.304
0.303
46
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
35
0.113
0.112
0.112
0.111
0.111
36
0.120
0.120
0.119
0.119
0.118
37
0.130
0.129
0.129
0.128
0.128
38
0.143
0.142
0.142
0.141
0.140
39
0.158
0.157
0.156
0.156
0.155
40
0.173
0.173
0.172
0.171
0.171
Expected Unlimited Loss Group
41
42
43
44
45
0.189 0.205 0.219 0.231 0.243
0.188 0.204 0.218 0.231 0.242
0.188 0.204 0.217 0.230 0.241
0.187 0.203 0.217 0.229 0.241
0.187 0.202 0.216 0.229 0.240
46
0.253
0.252
0.252
0.251
0.250
47
0.263
0.262
0.261
0.261
0.260
48
0.272
0.271
0.271
0.270
0.269
49
0.281
0.281
0.280
0.280
0.279
50
0.292
0.292
0.291
0.290
0.290
51
0.303
0.302
0.302
0.301
0.300
2.66
2.67
2.68
2.69
2.70
0.110
0.109
0.109
0.108
0.108
0.118
0.117
0.116
0.116
0.115
0.127
0.126
0.126
0.125
0.125
0.140
0.139
0.139
0.138
0.138
0.155
0.154
0.154
0.153
0.152
0.170
0.170
0.169
0.169
0.168
0.186
0.185
0.185
0.184
0.184
0.202
0.201
0.201
0.200
0.199
0.216
0.215
0.214
0.214
0.213
0.228
0.228
0.227
0.227
0.226
0.240
0.239
0.238
0.238
0.237
0.250
0.249
0.249
0.248
0.247
0.259
0.259
0.258
0.258
0.257
0.269
0.268
0.268
0.267
0.266
0.278
0.278
0.277
0.277
0.276
0.289
0.288
0.288
0.287
0.287
0.300
0.299
0.298
0.298
0.297
2.71
2.72
2.73
2.74
2.75
0.107
0.107
0.106
0.106
0.105
0.115
0.114
0.114
0.113
0.113
0.124
0.124
0.123
0.123
0.122
0.137
0.137
0.136
0.135
0.135
0.152
0.151
0.151
0.150
0.150
0.167
0.167
0.166
0.166
0.165
0.183
0.183
0.182
0.181
0.181
0.199
0.198
0.198
0.197
0.197
0.213
0.212
0.212
0.211
0.210
0.225
0.225
0.224
0.224
0.223
0.237
0.236
0.235
0.235
0.234
0.247
0.246
0.246
0.245
0.245
0.256
0.256
0.255
0.255
0.254
0.266
0.265
0.265
0.264
0.263
0.275
0.275
0.274
0.274
0.273
0.286
0.285
0.285
0.284
0.284
0.297
0.296
0.295
0.295
0.294
2.76
2.77
2.78
2.79
2.80
0.105
0.104
0.104
0.104
0.103
0.112
0.112
0.111
0.111
0.110
0.122
0.121
0.121
0.120
0.120
0.134
0.134
0.133
0.133
0.132
0.149
0.149
0.148
0.148
0.147
0.165
0.164
0.164
0.163
0.163
0.180
0.180
0.179
0.179
0.178
0.196
0.196
0.195
0.194
0.194
0.210
0.209
0.209
0.208
0.208
0.223
0.222
0.221
0.221
0.220
0.234
0.233
0.233
0.232
0.231
0.244
0.243
0.243
0.242
0.242
0.254
0.253
0.252
0.252
0.251
0.263
0.262
0.262
0.261
0.261
0.272
0.272
0.271
0.271
0.270
0.283
0.282
0.282
0.281
0.281
0.294
0.293
0.293
0.292
0.291
2.81
2.82
2.83
2.84
2.85
0.103
0.102
0.102
0.101
0.101
0.110
0.109
0.109
0.109
0.108
0.119
0.119
0.118
0.118
0.117
0.132
0.131
0.131
0.130
0.130
0.147
0.146
0.146
0.145
0.145
0.162
0.161
0.161
0.160
0.160
0.178
0.177
0.177
0.176
0.176
0.193
0.193
0.192
0.192
0.191
0.207
0.207
0.206
0.206
0.205
0.220
0.219
0.219
0.218
0.218
0.231
0.230
0.230
0.229
0.229
0.241
0.241
0.240
0.240
0.239
0.251
0.250
0.250
0.249
0.249
0.260
0.260
0.259
0.258
0.258
0.270
0.269
0.268
0.268
0.267
0.280
0.280
0.279
0.278
0.278
0.291
0.290
0.290
0.289
0.289
2.86
2.87
2.88
2.89
2.90
0.100
0.100
0.100
0.099
0.099
0.108
0.107
0.107
0.106
0.106
0.117
0.116
0.116
0.115
0.115
0.129
0.129
0.128
0.128
0.128
0.144
0.144
0.143
0.143
0.142
0.159
0.159
0.159
0.158
0.158
0.175
0.175
0.174
0.174
0.173
0.191
0.190
0.190
0.189
0.189
0.205
0.204
0.204
0.203
0.203
0.217
0.217
0.216
0.216
0.215
0.228
0.228
0.227
0.227
0.226
0.238
0.238
0.237
0.237
0.236
0.248
0.248
0.247
0.247
0.246
0.257
0.257
0.256
0.256
0.256
0.267
0.266
0.266
0.266
0.266
0.277
0.277
0.276
0.276
0.276
0.288
0.287
0.287
0.287
0.286
2.91
2.92
2.93
2.94
2.95
0.098
0.098
0.098
0.098
0.098
0.106
0.105
0.105
0.105
0.105
0.115
0.115
0.115
0.115
0.115
0.127
0.127
0.127
0.127
0.127
0.142
0.142
0.142
0.142
0.141
0.157
0.157
0.157
0.157
0.156
0.173
0.172
0.172
0.172
0.171
0.188
0.188
0.187
0.187
0.186
0.202
0.201
0.200
0.200
0.199
0.214
0.213
0.213
0.212
0.212
0.226
0.224
0.224
0.223
0.223
0.236
0.235
0.234
0.234
0.233
0.246
0.245
0.245
0.244
0.243
0.256
0.255
0.255
0.254
0.254
0.266
0.265
0.265
0.264
0.264
0.276
0.275
0.275
0.274
0.274
0.286
0.285
0.285
0.285
0.284
2.96
2.97
2.98
2.99
3.00
0.098
0.098
0.098
0.098
0.098
0.105
0.105
0.105
0.105
0.105
0.115
0.115
0.115
0.115
0.115
0.127
0.127
0.127
0.127
0.127
0.141
0.141
0.141
0.141
0.141
0.156
0.156
0.156
0.156
0.156
0.171
0.170
0.170
0.169
0.169
0.186
0.183
0.183
0.182
0.182
0.199
0.196
0.195
0.194
0.194
0.211
0.208
0.207
0.206
0.206
0.222
0.220
0.219
0.218
0.218
0.233
0.231
0.230
0.230
0.229
0.243
0.242
0.241
0.241
0.240
0.253
0.253
0.252
0.252
0.251
0.264
0.264
0.263
0.263
0.262
0.274
0.274
0.273
0.273
0.273
0.284
0.284
0.284
0.283
0.283
47
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
52
0.990
0.000
0.982
0.002
0.973
0.003
53
0.990
0.000
0.982
0.002
0.973
0.003
54
0.991
0.001
0.982
0.002
0.974
0.004
55
0.991
0.001
0.982
0.002
0.974
0.004
56
0.991
0.001
0.982
0.002
0.974
0.004
57
0.991
0.001
0.983
0.003
0.975
0.005
Expected Unlimited Loss Group
58
59
60
61
62
0.991 0.991 0.991 0.991 0.991
0.001 0.001 0.001 0.001 0.001
0.983 0.983 0.983 0.983 0.984
0.003 0.003 0.003 0.003 0.004
0.975 0.975 0.976 0.976 0.977
0.005 0.005 0.006 0.006 0.007
63
0.991
0.001
0.984
0.004
0.977
0.007
64
0.991
0.001
0.984
0.004
0.977
0.007
65
0.991
0.001
0.984
0.004
0.978
0.008
66
0.991
0.001
0.984
0.004
0.978
0.008
67
0.991
0.001
0.984
0.004
0.978
0.008
68
0.991
0.001
0.984
0.004
0.979
0.009
0.964
0.004
0.956
0.006
0.948
0.008
0.965
0.005
0.957
0.007
0.948
0.008
0.965
0.005
0.957
0.007
0.949
0.009
0.966
0.006
0.958
0.008
0.950
0.010
0.966
0.006
0.958
0.008
0.951
0.011
0.967
0.007
0.959
0.009
0.951
0.011
0.967
0.007
0.960
0.010
0.952
0.012
0.968
0.008
0.960
0.010
0.953
0.013
0.968
0.008
0.961
0.011
0.954
0.014
0.969
0.009
0.962
0.012
0.955
0.015
0.970
0.010
0.963
0.013
0.956
0.016
0.970
0.010
0.963
0.013
0.957
0.017
0.971
0.011
0.964
0.014
0.958
0.018
0.971
0.011
0.965
0.015
0.959
0.019
0.972
0.012
0.966
0.016
0.960
0.020
0.972
0.012
0.966
0.016
0.961
0.021
0.973
0.013
0.967
0.017
0.962
0.022
0.939
0.009
0.931
0.011
0.923
0.013
0.940
0.010
0.932
0.012
0.924
0.014
0.941
0.011
0.933
0.013
0.925
0.015
0.942
0.012
0.934
0.014
0.927
0.017
0.943
0.013
0.935
0.015
0.928
0.018
0.944
0.014
0.936
0.016
0.929
0.019
0.945
0.015
0.938
0.018
0.931
0.021
0.946
0.016
0.939
0.019
0.932
0.022
0.947
0.017
0.940
0.020
0.933
0.023
0.948
0.018
0.941
0.021
0.935
0.025
0.949
0.019
0.943
0.023
0.936
0.026
0.950
0.020
0.944
0.024
0.938
0.028
0.951
0.021
0.945
0.025
0.939
0.029
0.953
0.023
0.947
0.027
0.941
0.031
0.954
0.024
0.948
0.028
0.942
0.032
0.955
0.025
0.949
0.029
0.944
0.034
0.956
0.026
0.951
0.031
0.945
0.035
0.916
0.016
0.908
0.018
0.900
0.020
0.917
0.017
0.909
0.019
0.902
0.022
0.918
0.018
0.911
0.021
0.903
0.023
0.919
0.019
0.912
0.022
0.905
0.025
0.921
0.021
0.914
0.024
0.907
0.027
0.922
0.022
0.915
0.025
0.909
0.029
0.924
0.024
0.917
0.027
0.911
0.031
0.925
0.025
0.919
0.029
0.912
0.032
0.927
0.027
0.921
0.031
0.914
0.034
0.928
0.028
0.922
0.032
0.916
0.036
0.930
0.030
0.924
0.034
0.918
0.038
0.932
0.032
0.926
0.036
0.920
0.040
0.933
0.033
0.928
0.038
0.922
0.042
0.935
0.035
0.930
0.040
0.924
0.044
0.937
0.037
0.931
0.041
0.926
0.046
0.938
0.038
0.933
0.043
0.928
0.048
0.940
0.040
0.935
0.045
0.930
0.050
0.893
0.023
0.886
0.026
0.879
0.029
0.895
0.025
0.887
0.027
0.880
0.030
0.896
0.026
0.889
0.029
0.882
0.032
0.898
0.028
0.891
0.031
0.885
0.035
0.900
0.030
0.893
0.033
0.887
0.037
0.902
0.032
0.896
0.036
0.889
0.039
0.904
0.034
0.898
0.038
0.892
0.042
0.906
0.036
0.900
0.040
0.894
0.044
0.908
0.038
0.902
0.042
0.896
0.046
0.910
0.040
0.905
0.045
0.899
0.049
0.913
0.043
0.907
0.047
0.901
0.051
0.915
0.045
0.909
0.049
0.904
0.054
0.917
0.047
0.912
0.052
0.906
0.056
0.919
0.049
0.914
0.054
0.909
0.059
0.921
0.051
0.916
0.056
0.911
0.061
0.923
0.053
0.919
0.059
0.914
0.064
0.926
0.056
0.921
0.061
0.916
0.066
0.871
0.031
0.865
0.035
0.858
0.038
0.874
0.034
0.867
0.037
0.860
0.040
0.876
0.036
0.869
0.039
0.862
0.042
0.878
0.038
0.871
0.041
0.865
0.045
0.880
0.040
0.874
0.044
0.868
0.048
0.883
0.043
0.877
0.047
0.871
0.051
0.885
0.045
0.879
0.049
0.874
0.054
0.888
0.048
0.882
0.052
0.876
0.056
0.891
0.051
0.885
0.055
0.879
0.059
0.893
0.053
0.888
0.058
0.882
0.062
0.896
0.056
0.891
0.061
0.885
0.065
0.899
0.059
0.893
0.063
0.888
0.068
0.901
0.061
0.896
0.066
0.891
0.071
0.904
0.064
0.899
0.069
0.894
0.074
0.907
0.067
0.902
0.072
0.897
0.077
0.909
0.069
0.905
0.075
0.900
0.080
0.912
0.072
0.908
0.078
0.903
0.083
0.851
0.041
0.844
0.044
0.838
0.048
0.853
0.043
0.847
0.047
0.840
0.050
0.856
0.046
0.849
0.049
0.843
0.053
0.859
0.049
0.852
0.052
0.846
0.056
0.862
0.052
0.856
0.056
0.850
0.060
0.865
0.055
0.859
0.059
0.853
0.063
0.868
0.058
0.862
0.062
0.856
0.066
0.871
0.061
0.865
0.065
0.860
0.070
0.874
0.064
0.868
0.068
0.863
0.073
0.877
0.067
0.872
0.072
0.866
0.076
0.880
0.070
0.875
0.075
0.870
0.080
0.883
0.073
0.878
0.078
0.873
0.083
0.886
0.076
0.882
0.082
0.877
0.087
0.889
0.079
0.885
0.085
0.880
0.090
0.893
0.083
0.888
0.088
0.884
0.094
0.896
0.086
0.892
0.092
0.887
0.097
0.899
0.089
0.895
0.095
0.891
0.101
0.831
0.051
0.825
0.055
0.818
0.058
0.834
0.054
0.828
0.058
0.822
0.062
0.837
0.057
0.831
0.061
0.825
0.065
0.840
0.060
0.834
0.064
0.828
0.068
0.844
0.064
0.838
0.068
0.832
0.072
0.847
0.067
0.842
0.072
0.836
0.076
0.851
0.071
0.845
0.075
0.840
0.080
0.854
0.074
0.849
0.079
0.844
0.084
0.858
0.078
0.853
0.083
0.847
0.087
0.861
0.081
0.856
0.086
0.851
0.091
0.865
0.085
0.860
0.090
0.855
0.095
0.869
0.089
0.864
0.094
0.859
0.099
0.872
0.092
0.868
0.098
0.863
0.103
0.876
0.096
0.871
0.101
0.867
0.107
0.879
0.099
0.875
0.105
0.871
0.111
0.883
0.103
0.879
0.109
0.875
0.115
0.887
0.107
0.883
0.113
0.879
0.119
0.812
0.062
0.806
0.066
0.800
0.070
0.816
0.066
0.810
0.070
0.804
0.074
0.819
0.069
0.813
0.073
0.807
0.077
0.823
0.073
0.817
0.077
0.811
0.081
0.826
0.076
0.821
0.081
0.815
0.085
0.830
0.080
0.825
0.085
0.820
0.090
0.834
0.084
0.829
0.089
0.824
0.094
0.838
0.088
0.833
0.093
0.828
0.098
0.842
0.092
0.837
0.097
0.832
0.102
0.846
0.096
0.842
0.102
0.837
0.107
0.850
0.100
0.846
0.106
0.841
0.111
0.854
0.104
0.850
0.110
0.845
0.115
0.858
0.108
0.854
0.114
0.850
0.120
0.863
0.113
0.858
0.118
0.854
0.124
0.867
0.117
0.862
0.122
0.858
0.128
0.871
0.121
0.867
0.127
0.863
0.133
0.875
0.125
0.871
0.131
0.867
0.137
0.794
0.074
0.788
0.078
0.782
0.082
0.798
0.078
0.792
0.082
0.786
0.086
0.802
0.082
0.796
0.086
0.790
0.090
0.806
0.086
0.800
0.090
0.795
0.095
0.810
0.090
0.805
0.095
0.799
0.099
0.814
0.094
0.809
0.099
0.804
0.104
0.819
0.099
0.814
0.104
0.809
0.109
0.823
0.103
0.818
0.108
0.813
0.113
0.828
0.108
0.823
0.113
0.818
0.118
0.832
0.112
0.827
0.117
0.823
0.123
0.836
0.116
0.832
0.122
0.828
0.128
0.841
0.121
0.837
0.127
0.832
0.132
0.845
0.125
0.841
0.131
0.837
0.137
0.850
0.130
0.846
0.136
0.842
0.142
0.854
0.134
0.850
0.140
0.846
0.146
0.859
0.139
0.855
0.145
0.851
0.151
0.863
0.143
0.860
0.150
0.856
0.156
48
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
52
0.777
0.087
0.771
0.091
0.765
0.095
53
0.781
0.091
0.775
0.095
0.770
0.100
54
0.785
0.095
0.780
0.100
0.774
0.104
55
0.789
0.099
0.784
0.104
0.779
0.109
56
0.794
0.104
0.789
0.109
0.784
0.114
57
0.799
0.109
0.794
0.114
0.789
0.119
Expected Unlimited Loss Group
58
59
60
61
62
0.804 0.809 0.813 0.818 0.823
0.114 0.119 0.123 0.128 0.133
0.799 0.804 0.809 0.814 0.819
0.119 0.124 0.129 0.134 0.139
0.794 0.799 0.804 0.809 0.815
0.124 0.129 0.134 0.139 0.145
63
0.828
0.138
0.824
0.144
0.820
0.150
64
0.833
0.143
0.829
0.149
0.825
0.155
65
0.838
0.148
0.834
0.154
0.830
0.160
66
0.843
0.153
0.839
0.159
0.835
0.165
67
0.848
0.158
0.844
0.164
0.840
0.170
68
0.853
0.163
0.849
0.169
0.846
0.176
0.760
0.100
0.754
0.104
0.749
0.109
0.764
0.104
0.759
0.109
0.754
0.114
0.769
0.109
0.764
0.114
0.759
0.119
0.774
0.114
0.769
0.119
0.764
0.124
0.779
0.119
0.774
0.124
0.769
0.129
0.784
0.124
0.779
0.129
0.775
0.135
0.789
0.129
0.785
0.135
0.780
0.140
0.795
0.135
0.790
0.140
0.786
0.146
0.800
0.140
0.795
0.145
0.791
0.151
0.805
0.145
0.801
0.151
0.797
0.157
0.810
0.150
0.806
0.156
0.802
0.162
0.816
0.156
0.812
0.162
0.808
0.168
0.821
0.161
0.817
0.167
0.813
0.173
0.826
0.166
0.822
0.172
0.819
0.179
0.831
0.171
0.828
0.178
0.824
0.184
0.837
0.177
0.833
0.183
0.830
0.190
0.842
0.182
0.839
0.189
0.835
0.195
0.744
0.114
0.739
0.119
0.733
0.123
0.749
0.119
0.744
0.124
0.739
0.129
0.754
0.124
0.749
0.129
0.744
0.134
0.759
0.129
0.754
0.134
0.749
0.139
0.764
0.134
0.760
0.140
0.755
0.145
0.770
0.140
0.765
0.145
0.761
0.151
0.776
0.146
0.771
0.151
0.767
0.157
0.781
0.151
0.777
0.157
0.773
0.163
0.787
0.157
0.783
0.163
0.778
0.168
0.792
0.162
0.788
0.168
0.784
0.174
0.798
0.168
0.794
0.174
0.790
0.180
0.804
0.174
0.800
0.180
0.796
0.186
0.809
0.179
0.805
0.185
0.802
0.192
0.815
0.185
0.811
0.191
0.808
0.198
0.821
0.191
0.817
0.197
0.814
0.204
0.826
0.196
0.823
0.203
0.819
0.209
0.832
0.202
0.829
0.209
0.825
0.215
0.728
0.128
0.723
0.133
0.718
0.138
0.734
0.134
0.729
0.139
0.724
0.144
0.739
0.139
0.734
0.144
0.729
0.149
0.745
0.145
0.740
0.150
0.735
0.155
0.750
0.150
0.746
0.156
0.741
0.161
0.756
0.156
0.752
0.162
0.748
0.168
0.762
0.162
0.758
0.168
0.754
0.174
0.768
0.168
0.764
0.174
0.760
0.180
0.774
0.174
0.770
0.180
0.766
0.186
0.780
0.180
0.776
0.186
0.772
0.192
0.786
0.186
0.782
0.192
0.779
0.199
0.792
0.192
0.788
0.198
0.785
0.205
0.798
0.198
0.794
0.204
0.791
0.211
0.804
0.204
0.801
0.211
0.797
0.217
0.810
0.210
0.807
0.217
0.803
0.223
0.816
0.216
0.813
0.223
0.810
0.230
0.822
0.222
0.819
0.229
0.816
0.236
0.714
0.144
0.709
0.149
0.704
0.154
0.719
0.149
0.715
0.155
0.710
0.160
0.725
0.155
0.720
0.160
0.716
0.166
0.731
0.161
0.726
0.166
0.722
0.172
0.737
0.167
0.733
0.173
0.728
0.178
0.743
0.173
0.739
0.179
0.735
0.185
0.750
0.180
0.745
0.185
0.741
0.191
0.756
0.186
0.752
0.192
0.748
0.198
0.762
0.192
0.758
0.198
0.754
0.204
0.769
0.199
0.765
0.205
0.761
0.211
0.775
0.205
0.771
0.211
0.767
0.217
0.781
0.211
0.778
0.218
0.774
0.224
0.787
0.217
0.784
0.224
0.780
0.230
0.794
0.224
0.790
0.230
0.787
0.237
0.800
0.230
0.797
0.237
0.794
0.244
0.806
0.236
0.803
0.243
0.800
0.250
0.813
0.243
0.810
0.250
0.807
0.257
0.699
0.159
0.695
0.165
0.690
0.170
0.705
0.165
0.701
0.171
0.696
0.176
0.711
0.171
0.707
0.177
0.703
0.183
0.718
0.178
0.713
0.183
0.709
0.189
0.724
0.184
0.720
0.190
0.716
0.196
0.731
0.191
0.727
0.197
0.723
0.203
0.737
0.197
0.733
0.203
0.729
0.209
0.744
0.204
0.740
0.210
0.736
0.216
0.751
0.211
0.747
0.217
0.743
0.223
0.757
0.217
0.754
0.224
0.750
0.230
0.764
0.224
0.760
0.230
0.757
0.237
0.770
0.230
0.767
0.237
0.764
0.244
0.777
0.237
0.774
0.244
0.770
0.250
0.784
0.244
0.780
0.250
0.777
0.257
0.790
0.250
0.787
0.257
0.784
0.264
0.797
0.257
0.794
0.264
0.791
0.271
0.804
0.264
0.801
0.271
0.798
0.278
0.686
0.176
0.681
0.181
0.677
0.187
0.692
0.182
0.688
0.188
0.683
0.193
0.698
0.188
0.694
0.194
0.690
0.200
0.705
0.195
0.701
0.201
0.697
0.207
0.712
0.202
0.708
0.208
0.704
0.214
0.719
0.209
0.715
0.215
0.711
0.221
0.726
0.216
0.722
0.222
0.718
0.228
0.733
0.223
0.729
0.229
0.725
0.235
0.739
0.229
0.736
0.236
0.732
0.242
0.746
0.236
0.743
0.243
0.739
0.249
0.753
0.243
0.750
0.250
0.746
0.256
0.760
0.250
0.757
0.257
0.754
0.264
0.767
0.257
0.764
0.264
0.761
0.271
0.774
0.264
0.771
0.271
0.768
0.278
0.781
0.271
0.778
0.278
0.775
0.285
0.788
0.278
0.785
0.285
0.782
0.292
0.795
0.285
0.792
0.292
0.789
0.299
0.673
0.193
0.668
0.198
0.664
0.204
0.679
0.199
0.675
0.205
0.671
0.211
0.686
0.206
0.682
0.212
0.678
0.218
0.693
0.213
0.689
0.219
0.685
0.225
0.700
0.220
0.696
0.226
0.692
0.232
0.707
0.227
0.703
0.233
0.700
0.240
0.714
0.234
0.711
0.241
0.707
0.247
0.722
0.242
0.718
0.248
0.714
0.254
0.729
0.249
0.725
0.255
0.722
0.262
0.736
0.256
0.733
0.263
0.729
0.269
0.743
0.263
0.740
0.270
0.737
0.277
0.750
0.270
0.747
0.277
0.744
0.284
0.758
0.278
0.754
0.284
0.751
0.291
0.765
0.285
0.762
0.292
0.759
0.299
0.772
0.292
0.769
0.299
0.766
0.306
0.779
0.299
0.776
0.306
0.774
0.314
0.787
0.307
0.784
0.314
0.781
0.321
0.660
0.210
0.656
0.216
0.652
0.222
0.667
0.217
0.663
0.223
0.659
0.229
0.674
0.224
0.670
0.230
0.666
0.236
0.681
0.231
0.677
0.237
0.674
0.244
0.688
0.238
0.685
0.245
0.681
0.251
0.696
0.246
0.692
0.252
0.689
0.259
0.703
0.253
0.700
0.260
0.696
0.266
0.711
0.261
0.708
0.268
0.704
0.274
0.718
0.268
0.715
0.275
0.712
0.282
0.726
0.276
0.723
0.283
0.719
0.289
0.733
0.283
0.730
0.290
0.727
0.297
0.741
0.291
0.738
0.298
0.735
0.305
0.748
0.298
0.745
0.305
0.742
0.312
0.756
0.306
0.753
0.313
0.750
0.320
0.763
0.313
0.760
0.320
0.758
0.328
0.771
0.321
0.768
0.328
0.765
0.335
0.778
0.328
0.776
0.336
0.773
0.343
0.648
0.228
0.644
0.234
0.640
0.240
0.655
0.235
0.651
0.241
0.647
0.247
0.662
0.242
0.658
0.248
0.655
0.255
0.670
0.250
0.666
0.256
0.663
0.263
0.678
0.258
0.674
0.264
0.670
0.270
0.685
0.265
0.682
0.272
0.678
0.278
0.693
0.273
0.690
0.280
0.686
0.286
0.701
0.281
0.697
0.287
0.694
0.294
0.709
0.289
0.705
0.295
0.702
0.302
0.716
0.296
0.713
0.303
0.710
0.310
0.724
0.304
0.721
0.311
0.718
0.318
0.732
0.312
0.729
0.319
0.726
0.326
0.739
0.319
0.737
0.327
0.734
0.334
0.747
0.327
0.744
0.334
0.742
0.342
0.755
0.335
0.752
0.342
0.750
0.350
0.763
0.343
0.760
0.350
0.757
0.357
0.770
0.350
0.768
0.358
0.765
0.365
49
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
52
0.636
0.246
0.632
0.252
0.629
0.259
53
0.644
0.254
0.640
0.260
0.636
0.266
54
0.651
0.261
0.648
0.268
0.644
0.274
55
0.659
0.269
0.655
0.275
0.652
0.282
56
0.667
0.277
0.664
0.284
0.660
0.290
57
0.675
0.285
0.672
0.292
0.668
0.298
Expected Unlimited Loss Group
58
59
60
61
62
0.683 0.691 0.699 0.707 0.715
0.293 0.301 0.309 0.317 0.325
0.680 0.688 0.696 0.704 0.712
0.300 0.308 0.316 0.324 0.332
0.676 0.685 0.693 0.701 0.709
0.306 0.315 0.323 0.331 0.339
63
0.723
0.333
0.720
0.340
0.717
0.347
64
0.731
0.341
0.728
0.348
0.725
0.355
65
0.739
0.349
0.736
0.356
0.733
0.363
66
0.747
0.357
0.744
0.364
0.742
0.372
67
0.755
0.365
0.752
0.372
0.750
0.380
68
0.763
0.373
0.760
0.380
0.758
0.388
0.625
0.265
0.621
0.271
0.618
0.278
0.633
0.273
0.629
0.279
0.626
0.286
0.640
0.280
0.637
0.287
0.634
0.294
0.649
0.289
0.645
0.295
0.642
0.302
0.657
0.297
0.654
0.304
0.650
0.310
0.665
0.305
0.662
0.312
0.659
0.319
0.673
0.313
0.670
0.320
0.667
0.327
0.682
0.322
0.679
0.329
0.675
0.335
0.690
0.330
0.687
0.337
0.684
0.344
0.698
0.338
0.695
0.345
0.692
0.352
0.706
0.346
0.703
0.353
0.701
0.361
0.714
0.354
0.712
0.362
0.709
0.369
0.723
0.363
0.720
0.370
0.717
0.377
0.731
0.371
0.728
0.378
0.726
0.386
0.739
0.379
0.737
0.387
0.734
0.394
0.747
0.387
0.745
0.395
0.742
0.402
0.755
0.395
0.753
0.403
0.751
0.411
0.614
0.284
0.611
0.291
0.607
0.297
0.622
0.292
0.619
0.299
0.616
0.306
0.630
0.300
0.627
0.307
0.624
0.314
0.639
0.309
0.635
0.315
0.632
0.322
0.647
0.317
0.644
0.324
0.641
0.331
0.656
0.326
0.652
0.332
0.649
0.339
0.664
0.334
0.661
0.341
0.658
0.348
0.672
0.342
0.670
0.350
0.667
0.357
0.681
0.351
0.678
0.358
0.675
0.365
0.689
0.359
0.687
0.367
0.684
0.374
0.698
0.368
0.695
0.375
0.692
0.382
0.706
0.376
0.704
0.384
0.701
0.391
0.715
0.385
0.712
0.392
0.710
0.400
0.723
0.393
0.721
0.401
0.718
0.408
0.732
0.402
0.729
0.409
0.727
0.417
0.740
0.410
0.738
0.418
0.735
0.425
0.748
0.418
0.746
0.426
0.744
0.434
0.604
0.304
0.601
0.311
0.597
0.317
0.612
0.312
0.609
0.319
0.606
0.326
0.620
0.320
0.617
0.327
0.614
0.334
0.629
0.329
0.626
0.336
0.623
0.343
0.638
0.338
0.635
0.345
0.632
0.352
0.646
0.346
0.643
0.353
0.640
0.360
0.655
0.355
0.652
0.362
0.649
0.369
0.664
0.364
0.661
0.371
0.658
0.378
0.672
0.372
0.670
0.380
0.667
0.387
0.681
0.381
0.678
0.388
0.676
0.396
0.690
0.390
0.687
0.397
0.684
0.404
0.698
0.398
0.696
0.406
0.693
0.413
0.707
0.407
0.704
0.414
0.702
0.422
0.716
0.416
0.713
0.423
0.711
0.431
0.724
0.424
0.722
0.432
0.720
0.440
0.733
0.433
0.731
0.441
0.728
0.448
0.741
0.441
0.739
0.449
0.737
0.457
0.594
0.324
0.591
0.331
0.588
0.338
0.602
0.332
0.599
0.339
0.596
0.346
0.611
0.341
0.608
0.348
0.605
0.355
0.620
0.350
0.617
0.357
0.614
0.364
0.629
0.359
0.626
0.366
0.623
0.373
0.637
0.367
0.635
0.375
0.632
0.382
0.646
0.376
0.644
0.384
0.641
0.391
0.655
0.385
0.653
0.393
0.650
0.400
0.664
0.394
0.662
0.402
0.659
0.409
0.673
0.403
0.670
0.410
0.668
0.418
0.682
0.412
0.679
0.419
0.677
0.427
0.691
0.421
0.688
0.428
0.686
0.436
0.700
0.430
0.697
0.437
0.695
0.445
0.708
0.438
0.706
0.446
0.704
0.454
0.717
0.447
0.715
0.455
0.713
0.463
0.726
0.456
0.724
0.464
0.722
0.472
0.735
0.465
0.733
0.473
0.731
0.481
0.584
0.344
0.581
0.351
0.578
0.358
0.593
0.353
0.590
0.360
0.587
0.367
0.602
0.362
0.599
0.369
0.596
0.376
0.611
0.371
0.608
0.378
0.605
0.385
0.620
0.380
0.617
0.387
0.614
0.394
0.629
0.389
0.626
0.396
0.623
0.403
0.638
0.398
0.635
0.405
0.633
0.413
0.647
0.407
0.645
0.415
0.642
0.422
0.656
0.416
0.654
0.424
0.651
0.431
0.665
0.425
0.663
0.433
0.660
0.440
0.674
0.434
0.672
0.442
0.669
0.449
0.683
0.443
0.681
0.451
0.679
0.459
0.692
0.452
0.690
0.460
0.688
0.468
0.701
0.461
0.699
0.469
0.697
0.477
0.710
0.470
0.708
0.478
0.706
0.486
0.719
0.479
0.717
0.487
0.715
0.495
0.728
0.488
0.726
0.496
0.724
0.504
0.575
0.365
0.572
0.372
0.569
0.379
0.584
0.374
0.581
0.381
0.578
0.388
0.593
0.383
0.590
0.390
0.587
0.397
0.602
0.392
0.599
0.399
0.597
0.407
0.611
0.401
0.609
0.409
0.606
0.416
0.621
0.411
0.618
0.418
0.615
0.425
0.630
0.420
0.627
0.427
0.625
0.435
0.639
0.429
0.637
0.437
0.634
0.444
0.649
0.439
0.646
0.446
0.644
0.454
0.658
0.448
0.655
0.455
0.653
0.463
0.667
0.457
0.665
0.465
0.662
0.472
0.676
0.466
0.674
0.474
0.672
0.482
0.685
0.475
0.683
0.483
0.681
0.491
0.695
0.485
0.692
0.492
0.690
0.500
0.704
0.494
0.702
0.502
0.700
0.510
0.713
0.503
0.711
0.511
0.709
0.519
0.722
0.512
0.720
0.520
0.718
0.528
0.566
0.386
0.563
0.393
0.561
0.401
0.575
0.395
0.573
0.403
0.570
0.410
0.584
0.404
0.582
0.412
0.579
0.419
0.594
0.414
0.591
0.421
0.588
0.428
0.603
0.423
0.601
0.431
0.598
0.438
0.613
0.433
0.610
0.440
0.608
0.448
0.622
0.442
0.620
0.450
0.617
0.457
0.632
0.452
0.629
0.459
0.627
0.467
0.641
0.461
0.639
0.469
0.636
0.476
0.651
0.471
0.648
0.478
0.646
0.486
0.660
0.480
0.658
0.488
0.655
0.495
0.669
0.489
0.667
0.497
0.665
0.505
0.679
0.499
0.677
0.507
0.674
0.514
0.688
0.508
0.686
0.516
0.684
0.524
0.697
0.517
0.695
0.525
0.693
0.533
0.707
0.527
0.705
0.535
0.703
0.543
0.716
0.536
0.714
0.544
0.712
0.552
0.558
0.408
0.555
0.415
0.552
0.422
0.567
0.417
0.564
0.424
0.562
0.432
0.576
0.426
0.574
0.434
0.571
0.441
0.586
0.436
0.583
0.443
0.581
0.451
0.595
0.445
0.593
0.453
0.590
0.460
0.605
0.455
0.603
0.463
0.600
0.470
0.615
0.465
0.612
0.472
0.610
0.480
0.624
0.474
0.622
0.482
0.620
0.490
0.634
0.484
0.632
0.492
0.629
0.499
0.644
0.494
0.641
0.501
0.639
0.509
0.653
0.503
0.651
0.511
0.649
0.519
0.663
0.513
0.661
0.521
0.658
0.528
0.672
0.522
0.670
0.530
0.668
0.538
0.682
0.532
0.680
0.540
0.678
0.548
0.691
0.541
0.689
0.549
0.687
0.557
0.701
0.551
0.699
0.559
0.697
0.567
0.710
0.560
0.708
0.568
0.706
0.576
0.549
0.429
0.547
0.437
0.544
0.444
0.559
0.439
0.556
0.446
0.554
0.454
0.568
0.448
0.566
0.456
0.563
0.463
0.578
0.458
0.575
0.465
0.573
0.473
0.588
0.468
0.585
0.475
0.583
0.483
0.598
0.478
0.595
0.485
0.593
0.493
0.607
0.487
0.605
0.495
0.603
0.503
0.617
0.497
0.615
0.505
0.613
0.513
0.627
0.507
0.625
0.515
0.623
0.523
0.637
0.517
0.635
0.525
0.632
0.532
0.647
0.527
0.644
0.534
0.642
0.542
0.656
0.536
0.654
0.544
0.652
0.552
0.666
0.546
0.664
0.554
0.662
0.562
0.676
0.556
0.674
0.564
0.672
0.572
0.685
0.565
0.683
0.573
0.681
0.581
0.695
0.575
0.693
0.583
0.691
0.591
0.705
0.585
0.703
0.593
0.701
0.601
50
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.91
52
0.541
0.451
0.539
0.459
0.536
0.466
53
0.551
0.461
0.549
0.469
0.546
0.476
54
0.561
0.471
0.559
0.479
0.556
0.486
55
0.571
0.481
0.569
0.489
0.566
0.496
56
0.581
0.491
0.578
0.498
0.576
0.506
57
0.590
0.500
0.588
0.508
0.586
0.516
Expected Unlimited Loss Group
58
59
60
61
62
0.600 0.610 0.620 0.630 0.640
0.510 0.520 0.530 0.540 0.550
0.598 0.608 0.618 0.628 0.638
0.518 0.528 0.538 0.548 0.558
0.596 0.606 0.616 0.626 0.636
0.526 0.536 0.546 0.556 0.566
63
0.650
0.560
0.648
0.568
0.646
0.576
64
0.660
0.570
0.658
0.578
0.656
0.586
65
0.670
0.580
0.668
0.588
0.666
0.596
66
0.679
0.589
0.678
0.598
0.676
0.606
67
0.689
0.599
0.687
0.607
0.686
0.616
68
0.699
0.609
0.697
0.617
0.695
0.625
0.534
0.474
0.532
0.482
0.529
0.489
0.544
0.484
0.542
0.492
0.539
0.499
0.554
0.494
0.552
0.502
0.549
0.509
0.564
0.504
0.561
0.511
0.559
0.519
0.574
0.514
0.571
0.521
0.569
0.529
0.583
0.523
0.581
0.531
0.579
0.539
0.594
0.534
0.591
0.541
0.589
0.549
0.604
0.544
0.601
0.551
0.599
0.559
0.614
0.554
0.612
0.562
0.609
0.569
0.624
0.564
0.622
0.572
0.619
0.579
0.634
0.574
0.632
0.582
0.629
0.589
0.644
0.584
0.641
0.591
0.639
0.599
0.653
0.593
0.651
0.601
0.649
0.609
0.663
0.603
0.661
0.611
0.659
0.619
0.673
0.613
0.671
0.621
0.669
0.629
0.683
0.623
0.682
0.632
0.679
0.639
0.693
0.633
0.692
0.642
0.689
0.649
0.527
0.497
0.525
0.505
0.522
0.512
0.537
0.507
0.535
0.515
0.532
0.522
0.547
0.517
0.545
0.525
0.542
0.532
0.557
0.527
0.555
0.535
0.552
0.542
0.567
0.537
0.564
0.544
0.562
0.552
0.577
0.547
0.574
0.554
0.572
0.562
0.587
0.557
0.584
0.564
0.582
0.572
0.597
0.567
0.595
0.575
0.592
0.582
0.607
0.577
0.605
0.585
0.603
0.593
0.617
0.587
0.615
0.595
0.612
0.602
0.627
0.597
0.624
0.604
0.622
0.612
0.637
0.607
0.634
0.614
0.632
0.622
0.647
0.617
0.644
0.624
0.642
0.632
0.657
0.627
0.654
0.634
0.652
0.642
0.667
0.637
0.664
0.644
0.662
0.652
0.677
0.647
0.674
0.654
0.672
0.662
0.687
0.657
0.685
0.665
0.682
0.672
1.00
1.01
1.02
1.03
1.04
1.05
0.520
0.516
0.514
0.512
0.507
0.504
0.530
0.526
0.524
0.522
0.518
0.516
0.540
0.537
0.535
0.533
0.530
0.527
0.550
0.547
0.545
0.543
0.541
0.538
0.560
0.558
0.556
0.554
0.552
0.550
0.570
0.568
0.566
0.564
0.563
0.560
0.580
0.579
0.577
0.575
0.573
0.571
0.590
0.589
0.587
0.585
0.584
0.582
0.600
0.600
0.598
0.596
0.595
0.593
0.610
0.610
0.608
0.606
0.606
0.604
0.620
0.620
0.619
0.617
0.616
0.614
0.630
0.630
0.629
0.628
0.626
0.625
0.640
0.640
0.639
0.638
0.637
0.635
0.650
0.650
0.650
0.649
0.647
0.646
0.660
0.660
0.660
0.659
0.657
0.656
0.670
0.670
0.670
0.669
0.667
0.666
0.680
0.680
0.680
0.679
0.677
0.676
1.06
1.07
1.08
1.09
1.10
0.502
0.500
0.498
0.495
0.493
0.514
0.512
0.509
0.507
0.504
0.525
0.523
0.521
0.518
0.516
0.536
0.534
0.533
0.530
0.528
0.547
0.545
0.544
0.542
0.540
0.558
0.556
0.555
0.553
0.552
0.569
0.567
0.566
0.564
0.563
0.580
0.578
0.577
0.575
0.574
0.591
0.589
0.588
0.586
0.585
0.602
0.600
0.599
0.597
0.596
0.613
0.611
0.610
0.608
0.607
0.623
0.622
0.621
0.619
0.618
0.634
0.633
0.632
0.630
0.629
0.644
0.644
0.643
0.641
0.640
0.655
0.654
0.653
0.651
0.650
0.665
0.664
0.662
0.661
0.659
0.674
0.673
0.672
0.670
0.669
1.11
1.12
1.13
1.14
1.15
0.491
0.489
0.487
0.485
0.483
0.502
0.500
0.498
0.496
0.494
0.513
0.511
0.509
0.507
0.505
0.526
0.524
0.522
0.520
0.518
0.538
0.536
0.534
0.532
0.531
0.550
0.548
0.546
0.545
0.543
0.561
0.559
0.558
0.557
0.555
0.572
0.570
0.569
0.569
0.567
0.583
0.581
0.581
0.581
0.579
0.594
0.592
0.592
0.592
0.590
0.605
0.603
0.603
0.602
0.601
0.616
0.615
0.614
0.613
0.611
0.627
0.626
0.625
0.623
0.622
0.638
0.637
0.635
0.634
0.632
0.648
0.647
0.645
0.644
0.642
0.658
0.656
0.655
0.653
0.652
0.667
0.666
0.664
0.663
0.661
1.16
1.17
1.18
1.19
1.20
0.481
0.479
0.477
0.475
0.473
0.492
0.490
0.488
0.486
0.484
0.503
0.501
0.499
0.498
0.496
0.516
0.514
0.512
0.510
0.508
0.529
0.527
0.525
0.523
0.521
0.541
0.539
0.537
0.536
0.534
0.553
0.551
0.550
0.548
0.546
0.565
0.564
0.562
0.560
0.559
0.578
0.576
0.574
0.573
0.571
0.589
0.587
0.586
0.584
0.582
0.599
0.598
0.596
0.595
0.593
0.610
0.608
0.607
0.605
0.604
0.620
0.619
0.617
0.616
0.614
0.631
0.629
0.628
0.627
0.625
0.641
0.639
0.638
0.636
0.635
0.650
0.649
0.647
0.646
0.645
0.660
0.658
0.657
0.656
0.654
1.21
1.22
1.23
1.24
1.25
0.471
0.469
0.467
0.465
0.463
0.482
0.480
0.478
0.477
0.475
0.494
0.492
0.490
0.488
0.487
0.507
0.505
0.503
0.501
0.499
0.520
0.518
0.516
0.514
0.513
0.532
0.531
0.529
0.527
0.526
0.545
0.543
0.541
0.540
0.538
0.557
0.555
0.554
0.552
0.551
0.569
0.568
0.566
0.565
0.563
0.581
0.579
0.578
0.576
0.575
0.592
0.590
0.589
0.587
0.586
0.602
0.601
0.599
0.598
0.596
0.613
0.612
0.610
0.609
0.607
0.624
0.622
0.621
0.619
0.618
0.634
0.632
0.631
0.630
0.628
0.643
0.642
0.641
0.639
0.638
0.653
0.652
0.650
0.649
0.648
1.26
1.27
1.28
1.29
1.30
0.461
0.459
0.458
0.456
0.454
0.473
0.471
0.469
0.468
0.466
0.485
0.483
0.481
0.480
0.478
0.498
0.496
0.494
0.493
0.491
0.511
0.509
0.508
0.506
0.504
0.524
0.522
0.521
0.519
0.518
0.537
0.535
0.533
0.532
0.530
0.549
0.548
0.546
0.545
0.543
0.562
0.560
0.559
0.557
0.556
0.573
0.572
0.570
0.569
0.568
0.584
0.583
0.581
0.580
0.579
0.595
0.594
0.592
0.591
0.590
0.606
0.605
0.603
0.602
0.600
0.617
0.615
0.614
0.613
0.611
0.627
0.626
0.624
0.623
0.622
0.637
0.635
0.634
0.633
0.631
0.646
0.645
0.644
0.642
0.641
1.31
1.32
1.33
1.34
1.35
0.452
0.451
0.449
0.447
0.445
0.464
0.463
0.461
0.459
0.457
0.476
0.474
0.473
0.471
0.470
0.489
0.488
0.486
0.484
0.483
0.503
0.501
0.500
0.498
0.497
0.516
0.514
0.513
0.511
0.510
0.529
0.527
0.526
0.524
0.523
0.542
0.540
0.539
0.537
0.536
0.554
0.553
0.552
0.550
0.549
0.566
0.565
0.563
0.562
0.561
0.577
0.576
0.574
0.573
0.572
0.588
0.587
0.585
0.584
0.583
0.599
0.598
0.597
0.595
0.594
0.610
0.609
0.608
0.606
0.605
0.620
0.619
0.618
0.617
0.615
0.630
0.629
0.628
0.626
0.625
0.640
0.639
0.637
0.636
0.635
1.36
1.37
1.38
1.39
1.40
0.444
0.442
0.440
0.439
0.437
0.456
0.454
0.453
0.451
0.449
0.468
0.466
0.465
0.463
0.462
0.481
0.480
0.478
0.477
0.475
0.495
0.494
0.492
0.491
0.489
0.508
0.507
0.505
0.504
0.502
0.521
0.520
0.518
0.517
0.516
0.534
0.533
0.532
0.530
0.529
0.547
0.546
0.545
0.543
0.542
0.559
0.558
0.557
0.555
0.554
0.570
0.569
0.568
0.567
0.565
0.582
0.580
0.579
0.578
0.576
0.593
0.591
0.590
0.589
0.588
0.604
0.603
0.601
0.600
0.599
0.614
0.613
0.612
0.610
0.609
0.624
0.623
0.622
0.620
0.619
0.634
0.633
0.631
0.630
0.629
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
51
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
52
0.436
0.434
0.432
0.431
0.429
53
0.448
0.446
0.445
0.443
0.442
54
0.460
0.459
0.457
0.456
0.454
55
0.474
0.472
0.471
0.469
0.468
56
0.488
0.486
0.485
0.483
0.482
57
0.501
0.500
0.498
0.497
0.495
Expected Unlimited Loss Group
58
59
60
61
62
0.514 0.527 0.541 0.553 0.564
0.513 0.526 0.539 0.551 0.563
0.511 0.525 0.538 0.550 0.561
0.510 0.523 0.537 0.549 0.560
0.509 0.522 0.535 0.548 0.559
63
0.575
0.574
0.573
0.572
0.570
64
0.586
0.585
0.584
0.583
0.582
65
0.598
0.597
0.595
0.594
0.593
66
0.608
0.607
0.606
0.605
0.603
67
0.618
0.617
0.616
0.615
0.613
68
0.628
0.627
0.626
0.625
0.623
1.46
1.47
1.48
1.49
1.50
0.428
0.426
0.425
0.423
0.422
0.440
0.439
0.437
0.436
0.434
0.453
0.451
0.450
0.448
0.447
0.466
0.465
0.463
0.462
0.461
0.480
0.479
0.478
0.476
0.475
0.494
0.493
0.491
0.490
0.489
0.507
0.506
0.505
0.503
0.502
0.521
0.519
0.518
0.517
0.516
0.534
0.533
0.532
0.530
0.529
0.546
0.545
0.544
0.543
0.541
0.558
0.557
0.555
0.554
0.553
0.569
0.568
0.567
0.566
0.564
0.580
0.579
0.578
0.577
0.576
0.592
0.591
0.590
0.588
0.587
0.602
0.601
0.600
0.599
0.598
0.612
0.611
0.610
0.609
0.608
0.622
0.621
0.620
0.619
0.618
1.51
1.52
1.53
1.54
1.55
0.420
0.419
0.418
0.416
0.415
0.433
0.431
0.430
0.429
0.427
0.445
0.444
0.443
0.441
0.440
0.459
0.458
0.457
0.455
0.454
0.474
0.472
0.471
0.470
0.468
0.487
0.486
0.485
0.484
0.482
0.501
0.500
0.498
0.497
0.496
0.514
0.513
0.512
0.511
0.509
0.528
0.527
0.525
0.524
0.523
0.540
0.539
0.538
0.537
0.536
0.552
0.551
0.549
0.548
0.547
0.563
0.562
0.561
0.560
0.559
0.575
0.574
0.573
0.571
0.570
0.586
0.585
0.584
0.583
0.582
0.597
0.596
0.595
0.594
0.593
0.607
0.606
0.605
0.604
0.603
0.617
0.616
0.615
0.614
0.613
1.56
1.57
1.58
1.59
1.60
0.413
0.412
0.411
0.409
0.408
0.426
0.425
0.423
0.422
0.421
0.438
0.437
0.436
0.434
0.433
0.453
0.451
0.450
0.449
0.447
0.467
0.466
0.465
0.463
0.462
0.481
0.480
0.479
0.477
0.476
0.495
0.493
0.492
0.491
0.490
0.508
0.507
0.506
0.505
0.504
0.522
0.521
0.520
0.518
0.517
0.534
0.533
0.532
0.531
0.530
0.546
0.545
0.544
0.543
0.542
0.558
0.557
0.555
0.554
0.553
0.569
0.568
0.567
0.566
0.565
0.581
0.580
0.579
0.578
0.577
0.591
0.590
0.589
0.588
0.587
0.602
0.601
0.600
0.599
0.598
0.612
0.611
0.610
0.609
0.608
1.61
1.62
1.63
1.64
1.65
0.407
0.405
0.404
0.403
0.401
0.419
0.418
0.417
0.415
0.414
0.432
0.431
0.429
0.428
0.427
0.446
0.445
0.444
0.442
0.441
0.461
0.460
0.458
0.457
0.456
0.475
0.474
0.472
0.471
0.470
0.489
0.487
0.486
0.485
0.484
0.502
0.501
0.500
0.499
0.498
0.516
0.515
0.514
0.513
0.512
0.529
0.528
0.527
0.526
0.525
0.541
0.539
0.538
0.537
0.536
0.552
0.551
0.550
0.549
0.548
0.564
0.563
0.562
0.561
0.560
0.576
0.575
0.574
0.573
0.572
0.586
0.585
0.584
0.583
0.582
0.597
0.596
0.595
0.594
0.593
0.607
0.606
0.605
0.604
0.603
1.66
1.67
1.68
1.69
1.70
0.400
0.399
0.397
0.396
0.395
0.413
0.412
0.410
0.409
0.408
0.426
0.424
0.423
0.422
0.421
0.440
0.439
0.438
0.436
0.435
0.455
0.454
0.452
0.451
0.450
0.469
0.468
0.467
0.466
0.464
0.483
0.482
0.481
0.480
0.478
0.497
0.496
0.495
0.494
0.492
0.511
0.510
0.509
0.508
0.506
0.523
0.522
0.521
0.520
0.519
0.535
0.534
0.533
0.532
0.531
0.547
0.546
0.545
0.544
0.543
0.559
0.558
0.557
0.556
0.555
0.571
0.570
0.569
0.568
0.567
0.581
0.580
0.580
0.579
0.578
0.592
0.591
0.590
0.589
0.588
0.602
0.601
0.600
0.599
0.598
1.71
1.72
1.73
1.74
1.75
0.394
0.393
0.391
0.390
0.389
0.407
0.405
0.404
0.403
0.402
0.420
0.418
0.417
0.416
0.415
0.434
0.433
0.432
0.431
0.429
0.449
0.448
0.447
0.446
0.444
0.463
0.462
0.461
0.460
0.459
0.477
0.476
0.475
0.474
0.473
0.491
0.490
0.489
0.488
0.487
0.505
0.504
0.503
0.502
0.501
0.518
0.517
0.516
0.515
0.514
0.530
0.529
0.528
0.527
0.526
0.542
0.541
0.540
0.539
0.538
0.554
0.553
0.552
0.551
0.550
0.566
0.565
0.564
0.563
0.562
0.577
0.576
0.575
0.574
0.573
0.587
0.586
0.585
0.584
0.583
0.597
0.596
0.595
0.594
0.594
1.76
1.77
1.78
1.79
1.80
0.388
0.387
0.385
0.384
0.383
0.401
0.400
0.398
0.397
0.396
0.414
0.413
0.411
0.410
0.409
0.428
0.427
0.426
0.425
0.424
0.443
0.442
0.441
0.440
0.439
0.458
0.457
0.456
0.455
0.454
0.472
0.471
0.470
0.469
0.468
0.486
0.485
0.484
0.483
0.482
0.500
0.499
0.498
0.497
0.496
0.513
0.512
0.511
0.510
0.509
0.525
0.524
0.523
0.522
0.521
0.537
0.536
0.535
0.534
0.534
0.549
0.548
0.547
0.546
0.546
0.561
0.560
0.559
0.559
0.558
0.572
0.571
0.570
0.569
0.569
0.582
0.582
0.581
0.580
0.579
0.593
0.592
0.591
0.590
0.589
1.81
1.82
1.83
1.84
1.85
0.382
0.381
0.380
0.379
0.378
0.395
0.394
0.393
0.392
0.391
0.408
0.407
0.406
0.405
0.404
0.423
0.422
0.421
0.420
0.419
0.438
0.437
0.436
0.435
0.434
0.453
0.452
0.451
0.450
0.449
0.467
0.466
0.465
0.464
0.463
0.481
0.480
0.479
0.478
0.477
0.495
0.494
0.493
0.493
0.492
0.508
0.508
0.507
0.506
0.505
0.521
0.520
0.519
0.518
0.517
0.533
0.532
0.531
0.530
0.529
0.545
0.544
0.543
0.542
0.541
0.557
0.556
0.555
0.554
0.553
0.568
0.567
0.566
0.565
0.564
0.578
0.577
0.576
0.575
0.575
0.588
0.588
0.587
0.586
0.585
1.86
1.87
1.88
1.89
1.90
0.376
0.375
0.374
0.373
0.372
0.390
0.389
0.387
0.386
0.385
0.403
0.402
0.401
0.400
0.399
0.418
0.417
0.415
0.414
0.413
0.433
0.432
0.431
0.430
0.429
0.448
0.447
0.446
0.445
0.444
0.462
0.461
0.460
0.459
0.458
0.476
0.475
0.474
0.473
0.473
0.491
0.490
0.489
0.488
0.487
0.504
0.503
0.502
0.501
0.500
0.516
0.515
0.514
0.513
0.512
0.528
0.527
0.526
0.526
0.525
0.540
0.539
0.539
0.538
0.537
0.552
0.552
0.551
0.550
0.549
0.563
0.563
0.562
0.561
0.560
0.574
0.573
0.572
0.571
0.571
0.584
0.583
0.583
0.582
0.581
1.91
1.92
1.93
1.94
1.95
0.371
0.370
0.369
0.368
0.367
0.384
0.383
0.382
0.381
0.380
0.398
0.397
0.396
0.395
0.394
0.412
0.411
0.411
0.410
0.409
0.428
0.427
0.426
0.425
0.424
0.443
0.442
0.441
0.440
0.439
0.457
0.456
0.455
0.454
0.454
0.472
0.471
0.470
0.469
0.468
0.486
0.485
0.484
0.483
0.483
0.499
0.498
0.498
0.497
0.496
0.512
0.511
0.510
0.509
0.508
0.524
0.523
0.522
0.521
0.520
0.536
0.535
0.534
0.534
0.533
0.548
0.547
0.547
0.546
0.545
0.559
0.558
0.558
0.557
0.556
0.570
0.569
0.568
0.567
0.567
0.580
0.579
0.579
0.578
0.577
1.96
1.97
1.98
1.99
2.00
0.366
0.365
0.364
0.363
0.362
0.379
0.378
0.377
0.376
0.375
0.393
0.392
0.391
0.390
0.389
0.408
0.407
0.406
0.405
0.404
0.423
0.422
0.421
0.420
0.419
0.438
0.437
0.436
0.435
0.434
0.453
0.452
0.451
0.450
0.449
0.467
0.466
0.465
0.465
0.464
0.482
0.481
0.480
0.479
0.478
0.495
0.494
0.493
0.492
0.492
0.507
0.506
0.506
0.505
0.504
0.520
0.519
0.518
0.517
0.516
0.532
0.531
0.530
0.530
0.529
0.544
0.543
0.543
0.542
0.541
0.555
0.555
0.554
0.553
0.552
0.566
0.565
0.564
0.563
0.563
0.576
0.575
0.575
0.574
0.573
52
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
52
0.361
0.360
0.359
0.358
0.357
53
0.374
0.374
0.373
0.372
0.371
54
0.388
0.387
0.386
0.385
0.384
55
0.403
0.402
0.401
0.400
0.399
56
0.419
0.418
0.417
0.416
0.415
57
0.434
0.433
0.432
0.431
0.430
Expected Unlimited Loss Group
58
59
60
61
62
0.448 0.463 0.477 0.491 0.503
0.447 0.462 0.477 0.490 0.502
0.446 0.461 0.476 0.489 0.502
0.446 0.460 0.475 0.488 0.501
0.445 0.459 0.474 0.488 0.500
63
0.516
0.515
0.514
0.513
0.512
64
0.528
0.527
0.526
0.526
0.525
65
0.540
0.540
0.539
0.538
0.537
66
0.551
0.551
0.550
0.549
0.548
67
0.562
0.561
0.560
0.560
0.559
68
0.572
0.572
0.571
0.570
0.569
2.06
2.07
2.08
2.09
2.10
0.356
0.356
0.355
0.354
0.353
0.370
0.369
0.368
0.367
0.366
0.383
0.382
0.381
0.381
0.380
0.398
0.398
0.397
0.396
0.395
0.414
0.413
0.412
0.412
0.411
0.429
0.428
0.428
0.427
0.426
0.444
0.443
0.442
0.441
0.441
0.459
0.458
0.457
0.456
0.455
0.473
0.473
0.472
0.471
0.470
0.487
0.486
0.485
0.484
0.484
0.499
0.498
0.498
0.497
0.496
0.512
0.511
0.510
0.509
0.509
0.524
0.523
0.523
0.522
0.521
0.537
0.536
0.535
0.534
0.534
0.548
0.547
0.546
0.546
0.545
0.558
0.557
0.557
0.556
0.555
0.569
0.568
0.567
0.567
0.566
2.11
2.12
2.13
2.14
2.15
0.352
0.351
0.350
0.349
0.348
0.365
0.364
0.364
0.363
0.362
0.379
0.378
0.377
0.376
0.375
0.394
0.393
0.392
0.391
0.391
0.410
0.409
0.408
0.407
0.407
0.425
0.424
0.423
0.423
0.422
0.440
0.439
0.438
0.437
0.437
0.455
0.454
0.453
0.452
0.451
0.469
0.469
0.468
0.467
0.466
0.483
0.482
0.481
0.481
0.480
0.495
0.495
0.494
0.493
0.492
0.508
0.507
0.506
0.506
0.505
0.520
0.520
0.519
0.518
0.518
0.533
0.532
0.531
0.531
0.530
0.544
0.543
0.543
0.542
0.541
0.555
0.554
0.553
0.553
0.552
0.565
0.564
0.564
0.563
0.562
2.16
2.17
2.18
2.19
2.20
0.348
0.347
0.346
0.345
0.344
0.361
0.360
0.359
0.359
0.358
0.374
0.374
0.373
0.372
0.371
0.390
0.389
0.388
0.387
0.387
0.406
0.405
0.404
0.403
0.403
0.421
0.420
0.419
0.419
0.418
0.436
0.435
0.434
0.434
0.433
0.451
0.450
0.449
0.448
0.448
0.466
0.465
0.464
0.463
0.463
0.479
0.478
0.478
0.477
0.476
0.492
0.491
0.490
0.490
0.489
0.504
0.504
0.503
0.502
0.501
0.517
0.516
0.515
0.515
0.514
0.529
0.529
0.528
0.527
0.527
0.541
0.540
0.539
0.539
0.538
0.551
0.550
0.550
0.549
0.548
0.562
0.561
0.560
0.560
0.559
2.21
2.22
2.23
2.24
2.25
0.343
0.343
0.342
0.341
0.340
0.357
0.356
0.355
0.354
0.354
0.370
0.370
0.369
0.368
0.367
0.386
0.385
0.384
0.383
0.383
0.402
0.401
0.400
0.399
0.399
0.417
0.416
0.416
0.415
0.414
0.432
0.431
0.430
0.430
0.429
0.447
0.446
0.445
0.445
0.444
0.462
0.461
0.460
0.460
0.459
0.475
0.475
0.474
0.473
0.473
0.488
0.487
0.487
0.486
0.485
0.501
0.500
0.499
0.499
0.498
0.513
0.513
0.512
0.511
0.511
0.526
0.525
0.525
0.524
0.523
0.537
0.537
0.536
0.535
0.535
0.548
0.547
0.546
0.546
0.545
0.558
0.558
0.557
0.556
0.556
2.26
2.27
2.28
2.29
2.30
0.339
0.339
0.338
0.337
0.336
0.353
0.352
0.351
0.350
0.350
0.366
0.366
0.365
0.364
0.363
0.382
0.381
0.380
0.380
0.379
0.398
0.397
0.396
0.396
0.395
0.413
0.413
0.412
0.411
0.410
0.428
0.428
0.427
0.426
0.425
0.443
0.443
0.442
0.441
0.440
0.458
0.458
0.457
0.456
0.455
0.472
0.471
0.471
0.470
0.469
0.485
0.484
0.483
0.483
0.482
0.497
0.497
0.496
0.495
0.495
0.510
0.509
0.509
0.508
0.507
0.523
0.522
0.521
0.521
0.520
0.534
0.533
0.533
0.532
0.531
0.545
0.544
0.543
0.543
0.542
0.555
0.554
0.554
0.553
0.553
2.31
2.32
2.33
2.34
2.35
0.335
0.335
0.334
0.333
0.332
0.349
0.348
0.347
0.347
0.346
0.362
0.362
0.361
0.360
0.359
0.378
0.377
0.377
0.376
0.375
0.394
0.393
0.393
0.392
0.391
0.410
0.409
0.408
0.407
0.407
0.425
0.424
0.423
0.423
0.422
0.440
0.439
0.438
0.438
0.437
0.455
0.454
0.453
0.453
0.452
0.469
0.468
0.467
0.467
0.466
0.481
0.481
0.480
0.479
0.479
0.494
0.493
0.493
0.492
0.491
0.507
0.506
0.505
0.505
0.504
0.519
0.519
0.518
0.518
0.517
0.531
0.530
0.530
0.529
0.528
0.541
0.541
0.540
0.540
0.539
0.552
0.551
0.551
0.550
0.550
2.36
2.37
2.38
2.39
2.40
0.332
0.331
0.330
0.329
0.329
0.345
0.344
0.344
0.343
0.342
0.359
0.358
0.357
0.357
0.356
0.374
0.374
0.373
0.372
0.372
0.391
0.390
0.389
0.388
0.388
0.406
0.405
0.405
0.404
0.403
0.421
0.421
0.420
0.419
0.418
0.436
0.436
0.435
0.434
0.434
0.451
0.451
0.450
0.449
0.449
0.465
0.465
0.464
0.463
0.463
0.478
0.477
0.477
0.476
0.475
0.491
0.490
0.490
0.489
0.488
0.504
0.503
0.502
0.502
0.501
0.516
0.516
0.515
0.515
0.514
0.528
0.527
0.527
0.526
0.525
0.538
0.538
0.537
0.537
0.536
0.549
0.548
0.548
0.547
0.547
2.41
2.42
2.43
2.44
2.45
0.328
0.327
0.326
0.326
0.325
0.342
0.341
0.340
0.339
0.339
0.355
0.354
0.354
0.353
0.352
0.371
0.370
0.369
0.369
0.368
0.387
0.386
0.386
0.385
0.384
0.403
0.402
0.401
0.401
0.400
0.418
0.417
0.417
0.416
0.415
0.433
0.432
0.432
0.431
0.430
0.448
0.448
0.447
0.446
0.446
0.462
0.461
0.461
0.460
0.460
0.475
0.474
0.474
0.473
0.472
0.488
0.487
0.486
0.486
0.485
0.501
0.500
0.499
0.499
0.498
0.513
0.513
0.512
0.512
0.511
0.525
0.524
0.524
0.523
0.522
0.535
0.535
0.534
0.534
0.533
0.546
0.545
0.545
0.544
0.544
2.46
2.47
2.48
2.49
2.50
0.324
0.324
0.323
0.322
0.322
0.338
0.337
0.337
0.336
0.335
0.352
0.351
0.350
0.350
0.349
0.367
0.367
0.366
0.365
0.365
0.384
0.383
0.382
0.382
0.381
0.399
0.399
0.398
0.397
0.397
0.415
0.414
0.413
0.413
0.412
0.430
0.429
0.429
0.428
0.427
0.445
0.444
0.444
0.443
0.443
0.459
0.458
0.458
0.457
0.456
0.472
0.471
0.471
0.470
0.469
0.485
0.484
0.483
0.483
0.482
0.498
0.497
0.496
0.496
0.495
0.510
0.510
0.509
0.509
0.508
0.522
0.521
0.521
0.520
0.520
0.532
0.532
0.531
0.531
0.530
0.543
0.542
0.542
0.541
0.541
2.51
2.52
2.53
2.54
2.55
0.321
0.320
0.320
0.319
0.318
0.335
0.334
0.333
0.333
0.332
0.348
0.348
0.347
0.346
0.346
0.364
0.363
0.363
0.362
0.361
0.380
0.380
0.379
0.379
0.378
0.396
0.395
0.395
0.394
0.394
0.411
0.411
0.410
0.410
0.409
0.427
0.426
0.425
0.425
0.424
0.442
0.441
0.441
0.440
0.440
0.456
0.455
0.455
0.454
0.454
0.469
0.468
0.468
0.467
0.466
0.482
0.481
0.481
0.480
0.479
0.495
0.494
0.494
0.493
0.492
0.508
0.507
0.506
0.506
0.505
0.519
0.518
0.518
0.517
0.517
0.530
0.529
0.529
0.528
0.527
0.540
0.540
0.539
0.539
0.538
2.56
2.57
2.58
2.59
2.60
0.318
0.317
0.316
0.316
0.315
0.331
0.331
0.330
0.329
0.329
0.345
0.344
0.344
0.343
0.342
0.361
0.360
0.360
0.359
0.358
0.377
0.377
0.376
0.375
0.375
0.393
0.392
0.392
0.391
0.391
0.408
0.408
0.407
0.406
0.406
0.424
0.423
0.422
0.422
0.421
0.439
0.438
0.438
0.437
0.437
0.453
0.452
0.452
0.451
0.451
0.466
0.465
0.465
0.464
0.464
0.479
0.478
0.478
0.477
0.477
0.492
0.491
0.491
0.490
0.490
0.505
0.504
0.504
0.503
0.503
0.516
0.516
0.515
0.515
0.514
0.527
0.526
0.526
0.525
0.525
0.537
0.537
0.536
0.536
0.535
53
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
52
0.314
0.314
0.313
0.312
0.312
53
0.328
0.327
0.327
0.326
0.326
54
0.342
0.341
0.341
0.340
0.339
55
0.358
0.357
0.356
0.356
0.355
56
0.374
0.374
0.373
0.372
0.372
57
0.390
0.389
0.389
0.388
0.388
Expected Unlimited Loss Group
58
59
60
61
62
0.405 0.421 0.436 0.450 0.463
0.405 0.420 0.435 0.450 0.463
0.404 0.420 0.435 0.449 0.462
0.404 0.419 0.434 0.448 0.461
0.403 0.418 0.434 0.448 0.461
63
0.476
0.476
0.475
0.474
0.474
64
0.489
0.489
0.488
0.487
0.487
65
0.502
0.502
0.501
0.500
0.500
66
0.514
0.513
0.512
0.512
0.511
67
0.524
0.524
0.523
0.523
0.522
68
0.535
0.534
0.534
0.533
0.533
2.66
2.67
2.68
2.69
2.70
0.311
0.311
0.310
0.309
0.309
0.325
0.324
0.324
0.323
0.322
0.339
0.338
0.337
0.337
0.336
0.355
0.354
0.353
0.353
0.352
0.371
0.371
0.370
0.369
0.369
0.387
0.386
0.386
0.385
0.385
0.402
0.402
0.401
0.401
0.400
0.418
0.417
0.417
0.416
0.416
0.433
0.433
0.432
0.432
0.431
0.447
0.447
0.446
0.446
0.445
0.460
0.460
0.459
0.459
0.458
0.473
0.473
0.472
0.472
0.471
0.486
0.486
0.485
0.485
0.484
0.499
0.499
0.498
0.498
0.497
0.511
0.510
0.510
0.509
0.509
0.522
0.521
0.521
0.520
0.520
0.532
0.532
0.531
0.531
0.530
2.71
2.72
2.73
2.74
2.75
0.308
0.308
0.307
0.306
0.306
0.322
0.321
0.321
0.320
0.320
0.336
0.335
0.334
0.334
0.333
0.352
0.351
0.350
0.350
0.349
0.368
0.368
0.367
0.367
0.366
0.384
0.384
0.383
0.382
0.382
0.400
0.399
0.398
0.398
0.397
0.415
0.414
0.414
0.413
0.413
0.430
0.430
0.429
0.429
0.428
0.445
0.444
0.444
0.443
0.442
0.458
0.457
0.457
0.456
0.456
0.471
0.470
0.470
0.469
0.469
0.484
0.483
0.483
0.482
0.482
0.497
0.496
0.496
0.495
0.495
0.508
0.508
0.507
0.507
0.506
0.519
0.519
0.518
0.518
0.517
0.530
0.529
0.529
0.528
0.528
2.76
2.77
2.78
2.79
2.80
0.305
0.305
0.304
0.303
0.303
0.319
0.318
0.318
0.317
0.317
0.333
0.332
0.332
0.331
0.330
0.349
0.348
0.348
0.347
0.347
0.365
0.365
0.364
0.364
0.363
0.381
0.381
0.380
0.380
0.379
0.397
0.396
0.396
0.395
0.395
0.412
0.412
0.411
0.411
0.410
0.428
0.427
0.427
0.426
0.426
0.442
0.441
0.441
0.440
0.440
0.455
0.455
0.454
0.453
0.453
0.468
0.468
0.467
0.467
0.466
0.481
0.481
0.480
0.480
0.479
0.494
0.494
0.493
0.493
0.492
0.506
0.505
0.505
0.504
0.504
0.517
0.516
0.516
0.515
0.515
0.527
0.527
0.526
0.526
0.525
2.81
2.82
2.83
2.84
2.85
0.302
0.302
0.301
0.301
0.300
0.316
0.316
0.315
0.314
0.314
0.330
0.329
0.329
0.328
0.328
0.346
0.345
0.345
0.344
0.344
0.363
0.362
0.362
0.361
0.361
0.379
0.378
0.378
0.377
0.376
0.394
0.394
0.393
0.393
0.392
0.410
0.409
0.409
0.408
0.408
0.425
0.425
0.424
0.424
0.423
0.439
0.439
0.438
0.438
0.437
0.452
0.452
0.451
0.451
0.450
0.466
0.465
0.465
0.464
0.464
0.479
0.478
0.478
0.477
0.477
0.492
0.491
0.491
0.490
0.490
0.503
0.503
0.502
0.502
0.502
0.514
0.514
0.513
0.513
0.512
0.525
0.524
0.524
0.523
0.523
2.86
2.87
2.88
2.89
2.90
0.299
0.299
0.298
0.298
0.297
0.313
0.313
0.312
0.312
0.311
0.327
0.327
0.326
0.326
0.325
0.343
0.343
0.342
0.342
0.341
0.360
0.359
0.359
0.358
0.358
0.376
0.375
0.374
0.373
0.373
0.391
0.391
0.388
0.387
0.387
0.407
0.406
0.402
0.401
0.401
0.423
0.422
0.416
0.415
0.415
0.437
0.436
0.430
0.430
0.429
0.450
0.449
0.445
0.444
0.443
0.463
0.463
0.459
0.459
0.458
0.476
0.476
0.474
0.473
0.472
0.489
0.489
0.488
0.488
0.487
0.501
0.501
0.500
0.500
0.499
0.512
0.511
0.511
0.510
0.510
0.522
0.522
0.521
0.521
0.521
2.91
2.92
2.93
2.94
2.95
0.297
0.297
0.296
0.296
0.295
0.311
0.311
0.311
0.310
0.310
0.325
0.325
0.325
0.325
0.325
0.341
0.340
0.340
0.340
0.340
0.357
0.357
0.355
0.355
0.354
0.372
0.371
0.370
0.369
0.369
0.386
0.385
0.384
0.383
0.383
0.400
0.399
0.398
0.397
0.397
0.414
0.413
0.412
0.412
0.411
0.429
0.427
0.427
0.426
0.425
0.443
0.442
0.441
0.439
0.439
0.457
0.456
0.456
0.453
0.452
0.472
0.471
0.471
0.467
0.466
0.486
0.486
0.485
0.481
0.480
0.499
0.498
0.498
0.494
0.493
0.510
0.509
0.509
0.506
0.505
0.521
0.520
0.520
0.518
0.518
2.96
2.97
2.98
2.99
3.00
0.295
0.295
0.295
0.295
0.295
0.310
0.310
0.310
0.310
0.310
0.325
0.325
0.325
0.325
0.325
0.339
0.339
0.339
0.339
0.339
0.354
0.354
0.353
0.353
0.353
0.369
0.368
0.367
0.367
0.367
0.383
0.381
0.381
0.380
0.380
0.397
0.395
0.394
0.394
0.394
0.411
0.408
0.408
0.408
0.407
0.424
0.422
0.422
0.421
0.420
0.438
0.436
0.436
0.435
0.434
0.452
0.450
0.450
0.449
0.447
0.465
0.464
0.464
0.463
0.460
0.479
0.478
0.478
0.477
0.473
0.492
0.491
0.491
0.490
0.487
0.505
0.504
0.503
0.503
0.500
0.517
0.517
0.516
0.516
0.513
54
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
69
0.991
0.001
0.985
0.005
0.979
0.009
70
0.991
0.001
0.985
0.005
0.980
0.010
71
0.991
0.001
0.986
0.006
0.980
0.010
72
0.991
0.001
0.986
0.006
0.981
0.011
73
0.992
0.002
0.987
0.007
0.981
0.011
74
0.992
0.002
0.987
0.007
0.982
0.012
Expected Unlimited Loss Group
75
76
77
78
79
0.993 0.993 0.994 0.995 0.996
0.003 0.003 0.004 0.005 0.006
0.988 0.989 0.989 0.990 0.991
0.008 0.009 0.009 0.010 0.011
0.983 0.984 0.985 0.986 0.987
0.013 0.014 0.015 0.016 0.017
80
0.997
0.007
0.993
0.013
0.988
0.018
81
0.998
0.008
0.994
0.014
0.989
0.019
82
0.998
0.008
0.994
0.014
0.990
0.020
83
0.998
0.008
0.995
0.015
0.991
0.021
84
0.998
0.008
0.995
0.015
0.991
0.021
85
0.998
0.008
0.995
0.015
0.992
0.022
0.973
0.013
0.968
0.018
0.962
0.022
0.974
0.014
0.969
0.019
0.964
0.024
0.975
0.015
0.970
0.020
0.965
0.025
0.976
0.016
0.971
0.021
0.966
0.026
0.977
0.017
0.972
0.022
0.967
0.027
0.977
0.017
0.973
0.023
0.968
0.028
0.978
0.018
0.974
0.024
0.970
0.030
0.980
0.020
0.975
0.025
0.971
0.031
0.981
0.021
0.976
0.026
0.972
0.032
0.982
0.022
0.978
0.028
0.974
0.034
0.983
0.023
0.979
0.029
0.975
0.035
0.984
0.024
0.980
0.030
0.977
0.037
0.986
0.026
0.982
0.032
0.978
0.038
0.986
0.026
0.983
0.033
0.979
0.039
0.987
0.027
0.984
0.034
0.980
0.040
0.988
0.028
0.985
0.035
0.982
0.042
0.989
0.029
0.986
0.036
0.983
0.043
0.957
0.027
0.952
0.032
0.947
0.037
0.959
0.029
0.953
0.033
0.948
0.038
0.960
0.030
0.955
0.035
0.950
0.040
0.961
0.031
0.956
0.036
0.952
0.042
0.963
0.033
0.958
0.038
0.953
0.043
0.964
0.034
0.959
0.039
0.955
0.045
0.965
0.035
0.961
0.041
0.957
0.047
0.967
0.037
0.963
0.043
0.959
0.049
0.968
0.038
0.964
0.044
0.960
0.050
0.970
0.040
0.966
0.046
0.962
0.052
0.971
0.041
0.968
0.048
0.964
0.054
0.973
0.043
0.969
0.049
0.966
0.056
0.975
0.045
0.971
0.051
0.968
0.058
0.976
0.046
0.972
0.052
0.969
0.059
0.977
0.047
0.974
0.054
0.971
0.061
0.979
0.049
0.975
0.055
0.973
0.063
0.980
0.050
0.977
0.057
0.975
0.065
0.942
0.042
0.937
0.047
0.932
0.052
0.944
0.044
0.939
0.049
0.935
0.055
0.946
0.046
0.941
0.051
0.937
0.057
0.947
0.047
0.943
0.053
0.939
0.059
0.949
0.049
0.945
0.055
0.941
0.061
0.951
0.051
0.947
0.057
0.943
0.063
0.953
0.053
0.949
0.059
0.946
0.066
0.955
0.055
0.951
0.061
0.948
0.068
0.957
0.057
0.953
0.063
0.950
0.070
0.959
0.059
0.956
0.066
0.952
0.072
0.961
0.061
0.958
0.068
0.955
0.075
0.963
0.063
0.960
0.070
0.957
0.077
0.965
0.065
0.962
0.072
0.959
0.079
0.966
0.066
0.964
0.074
0.961
0.081
0.968
0.068
0.966
0.076
0.963
0.083
0.970
0.070
0.968
0.078
0.966
0.086
0.972
0.072
0.970
0.080
0.968
0.088
0.928
0.058
0.923
0.063
0.919
0.069
0.930
0.060
0.926
0.066
0.922
0.072
0.933
0.063
0.928
0.068
0.924
0.074
0.935
0.065
0.931
0.071
0.927
0.077
0.937
0.067
0.934
0.074
0.930
0.080
0.940
0.070
0.936
0.076
0.932
0.082
0.942
0.072
0.939
0.079
0.935
0.085
0.944
0.074
0.941
0.081
0.938
0.088
0.947
0.077
0.944
0.084
0.941
0.091
0.949
0.079
0.946
0.086
0.943
0.093
0.952
0.082
0.949
0.089
0.946
0.096
0.954
0.084
0.951
0.091
0.949
0.099
0.956
0.086
0.954
0.094
0.951
0.101
0.959
0.089
0.956
0.096
0.954
0.104
0.961
0.091
0.959
0.099
0.957
0.107
0.963
0.093
0.961
0.101
0.959
0.109
0.966
0.096
0.964
0.104
0.962
0.112
0.915
0.075
0.911
0.081
0.906
0.086
0.918
0.078
0.914
0.084
0.910
0.090
0.920
0.080
0.917
0.087
0.913
0.093
0.923
0.083
0.920
0.090
0.916
0.096
0.926
0.086
0.923
0.093
0.919
0.099
0.929
0.089
0.926
0.096
0.922
0.102
0.932
0.092
0.929
0.099
0.925
0.105
0.935
0.095
0.932
0.102
0.929
0.109
0.938
0.098
0.935
0.105
0.932
0.112
0.940
0.100
0.938
0.108
0.935
0.115
0.943
0.103
0.941
0.111
0.938
0.118
0.946
0.106
0.944
0.114
0.941
0.121
0.949
0.109
0.947
0.117
0.944
0.124
0.952
0.112
0.949
0.119
0.947
0.127
0.954
0.114
0.952
0.122
0.950
0.130
0.957
0.117
0.955
0.125
0.953
0.133
0.960
0.120
0.958
0.128
0.956
0.136
0.902
0.092
0.898
0.098
0.894
0.104
0.906
0.096
0.902
0.102
0.898
0.108
0.909
0.099
0.905
0.105
0.902
0.112
0.912
0.102
0.909
0.109
0.905
0.115
0.916
0.106
0.912
0.112
0.909
0.119
0.919
0.109
0.916
0.116
0.912
0.122
0.922
0.112
0.919
0.119
0.916
0.126
0.926
0.116
0.923
0.123
0.920
0.130
0.929
0.119
0.926
0.126
0.923
0.133
0.932
0.122
0.929
0.129
0.927
0.137
0.935
0.125
0.933
0.133
0.930
0.140
0.939
0.129
0.936
0.136
0.934
0.144
0.942
0.132
0.940
0.140
0.937
0.147
0.945
0.135
0.943
0.143
0.941
0.151
0.948
0.138
0.946
0.146
0.944
0.154
0.951
0.141
0.949
0.149
0.947
0.157
0.954
0.144
0.952
0.152
0.951
0.161
0.890
0.110
0.887
0.117
0.883
0.123
0.894
0.114
0.890
0.120
0.887
0.127
0.898
0.118
0.894
0.124
0.891
0.131
0.902
0.122
0.898
0.128
0.895
0.135
0.905
0.125
0.902
0.132
0.899
0.139
0.909
0.129
0.906
0.136
0.903
0.143
0.913
0.133
0.910
0.140
0.907
0.147
0.917
0.137
0.914
0.144
0.911
0.151
0.921
0.141
0.918
0.148
0.915
0.155
0.924
0.144
0.922
0.152
0.919
0.159
0.928
0.148
0.925
0.155
0.923
0.163
0.932
0.152
0.929
0.159
0.927
0.167
0.935
0.155
0.933
0.163
0.931
0.171
0.939
0.159
0.937
0.167
0.935
0.175
0.942
0.162
0.940
0.170
0.938
0.178
0.945
0.165
0.944
0.174
0.942
0.182
0.949
0.169
0.947
0.177
0.945
0.185
0.879
0.129
0.875
0.135
0.872
0.142
0.883
0.133
0.880
0.140
0.876
0.146
0.887
0.137
0.884
0.144
0.881
0.151
0.892
0.142
0.888
0.148
0.885
0.155
0.896
0.146
0.893
0.153
0.890
0.160
0.900
0.150
0.897
0.157
0.894
0.164
0.904
0.154
0.901
0.161
0.898
0.168
0.908
0.158
0.906
0.166
0.903
0.173
0.913
0.163
0.910
0.170
0.907
0.177
0.917
0.167
0.914
0.174
0.912
0.182
0.921
0.171
0.918
0.178
0.916
0.186
0.925
0.175
0.922
0.182
0.920
0.190
0.929
0.179
0.927
0.187
0.925
0.195
0.933
0.183
0.931
0.191
0.929
0.199
0.936
0.186
0.934
0.194
0.933
0.203
0.940
0.190
0.938
0.198
0.937
0.207
0.944
0.194
0.942
0.202
0.941
0.211
0.868
0.148
0.864
0.154
0.861
0.161
0.873
0.153
0.869
0.159
0.866
0.166
0.877
0.157
0.874
0.164
0.871
0.171
0.882
0.162
0.879
0.169
0.876
0.176
0.886
0.166
0.883
0.173
0.880
0.180
0.891
0.171
0.888
0.178
0.885
0.185
0.896
0.176
0.893
0.183
0.890
0.190
0.900
0.180
0.898
0.188
0.895
0.195
0.905
0.185
0.902
0.192
0.900
0.200
0.909
0.189
0.907
0.197
0.904
0.204
0.914
0.194
0.911
0.201
0.909
0.209
0.918
0.198
0.916
0.206
0.914
0.214
0.923
0.203
0.920
0.210
0.918
0.218
0.927
0.207
0.925
0.215
0.923
0.223
0.931
0.211
0.929
0.219
0.927
0.227
0.935
0.215
0.933
0.223
0.931
0.231
0.939
0.219
0.937
0.227
0.936
0.236
55
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
69
0.858
0.168
0.854
0.174
0.851
0.181
70
0.863
0.173
0.859
0.179
0.856
0.186
71
0.867
0.177
0.864
0.184
0.861
0.191
72
0.872
0.182
0.869
0.189
0.866
0.196
73
0.877
0.187
0.874
0.194
0.872
0.202
74
0.882
0.192
0.880
0.200
0.877
0.207
Expected Unlimited Loss Group
75
76
77
78
79
0.887 0.892 0.897 0.902 0.907
0.197 0.202 0.207 0.212 0.217
0.885 0.890 0.895 0.900 0.905
0.205 0.210 0.215 0.220 0.225
0.882 0.887 0.892 0.897 0.902
0.212 0.217 0.222 0.227 0.232
80
0.912
0.222
0.910
0.230
0.907
0.237
81
0.916
0.226
0.914
0.234
0.913
0.243
82
0.921
0.231
0.919
0.239
0.917
0.247
83
0.925
0.235
0.924
0.244
0.922
0.252
84
0.930
0.240
0.928
0.248
0.926
0.256
85
0.934
0.244
0.933
0.253
0.931
0.261
0.847
0.187
0.844
0.194
0.841
0.201
0.853
0.193
0.850
0.200
0.846
0.206
0.858
0.198
0.855
0.205
0.852
0.212
0.863
0.203
0.860
0.210
0.858
0.218
0.869
0.209
0.866
0.216
0.863
0.223
0.874
0.214
0.871
0.221
0.869
0.229
0.879
0.219
0.877
0.227
0.874
0.234
0.885
0.225
0.882
0.232
0.880
0.240
0.890
0.230
0.888
0.238
0.885
0.245
0.895
0.235
0.893
0.243
0.891
0.251
0.900
0.240
0.898
0.248
0.896
0.256
0.905
0.245
0.903
0.253
0.901
0.261
0.911
0.251
0.909
0.259
0.907
0.267
0.915
0.255
0.914
0.264
0.912
0.272
0.920
0.260
0.918
0.268
0.917
0.277
0.925
0.265
0.923
0.273
0.922
0.282
0.930
0.270
0.928
0.278
0.926
0.286
0.838
0.208
0.834
0.214
0.831
0.221
0.843
0.213
0.840
0.220
0.837
0.227
0.849
0.219
0.846
0.226
0.843
0.233
0.855
0.225
0.852
0.232
0.849
0.239
0.860
0.230
0.858
0.238
0.855
0.245
0.866
0.236
0.863
0.243
0.861
0.251
0.872
0.242
0.869
0.249
0.867
0.257
0.877
0.247
0.875
0.255
0.872
0.262
0.883
0.253
0.881
0.261
0.878
0.268
0.889
0.259
0.886
0.266
0.884
0.274
0.894
0.264
0.892
0.272
0.890
0.280
0.899
0.269
0.897
0.277
0.895
0.285
0.905
0.275
0.903
0.283
0.901
0.291
0.910
0.280
0.908
0.288
0.906
0.296
0.915
0.285
0.913
0.293
0.912
0.302
0.920
0.290
0.918
0.298
0.917
0.307
0.925
0.295
0.924
0.304
0.922
0.312
0.828
0.228
0.825
0.235
0.822
0.242
0.834
0.234
0.831
0.241
0.828
0.248
0.840
0.240
0.837
0.247
0.835
0.255
0.846
0.246
0.843
0.253
0.841
0.261
0.852
0.252
0.850
0.260
0.847
0.267
0.858
0.258
0.856
0.266
0.853
0.273
0.864
0.264
0.862
0.272
0.859
0.279
0.870
0.270
0.868
0.278
0.865
0.285
0.876
0.276
0.874
0.284
0.872
0.292
0.882
0.282
0.880
0.290
0.878
0.298
0.888
0.288
0.886
0.296
0.884
0.304
0.893
0.293
0.892
0.302
0.890
0.310
0.899
0.299
0.897
0.307
0.896
0.316
0.905
0.305
0.903
0.313
0.901
0.321
0.910
0.310
0.908
0.318
0.907
0.327
0.915
0.315
0.914
0.324
0.912
0.332
0.921
0.321
0.919
0.329
0.918
0.338
0.819
0.249
0.816
0.256
0.813
0.263
0.825
0.255
0.823
0.263
0.820
0.270
0.832
0.262
0.829
0.269
0.826
0.276
0.838
0.268
0.835
0.275
0.833
0.283
0.844
0.274
0.842
0.282
0.839
0.289
0.851
0.281
0.848
0.288
0.846
0.296
0.857
0.287
0.855
0.295
0.852
0.302
0.863
0.293
0.861
0.301
0.859
0.309
0.869
0.299
0.867
0.307
0.865
0.315
0.876
0.306
0.874
0.314
0.872
0.322
0.882
0.312
0.880
0.320
0.878
0.328
0.888
0.318
0.886
0.326
0.884
0.334
0.894
0.324
0.892
0.332
0.890
0.340
0.900
0.330
0.898
0.338
0.896
0.346
0.905
0.335
0.904
0.344
0.902
0.352
0.911
0.341
0.909
0.349
0.908
0.358
0.916
0.346
0.915
0.355
0.913
0.363
0.810
0.270
0.808
0.278
0.805
0.285
0.817
0.277
0.814
0.284
0.811
0.291
0.824
0.284
0.821
0.291
0.818
0.298
0.830
0.290
0.828
0.298
0.825
0.305
0.837
0.297
0.834
0.304
0.832
0.312
0.843
0.303
0.841
0.311
0.838
0.318
0.850
0.310
0.848
0.318
0.845
0.325
0.856
0.316
0.854
0.324
0.852
0.332
0.863
0.323
0.861
0.331
0.859
0.339
0.869
0.329
0.867
0.337
0.865
0.345
0.876
0.336
0.874
0.344
0.872
0.352
0.882
0.342
0.880
0.350
0.878
0.358
0.889
0.349
0.887
0.357
0.885
0.365
0.895
0.355
0.893
0.363
0.891
0.371
0.900
0.360
0.899
0.369
0.897
0.377
0.906
0.366
0.905
0.375
0.903
0.383
0.912
0.372
0.911
0.381
0.909
0.389
0.802
0.292
0.799
0.299
0.796
0.306
0.809
0.299
0.806
0.306
0.803
0.313
0.816
0.306
0.813
0.313
0.810
0.320
0.822
0.312
0.820
0.320
0.817
0.327
0.829
0.319
0.827
0.327
0.824
0.334
0.836
0.326
0.834
0.334
0.831
0.341
0.843
0.333
0.841
0.341
0.839
0.349
0.850
0.340
0.848
0.348
0.846
0.356
0.857
0.347
0.855
0.355
0.853
0.363
0.863
0.353
0.862
0.362
0.860
0.370
0.870
0.360
0.868
0.368
0.866
0.376
0.877
0.367
0.875
0.375
0.873
0.383
0.883
0.373
0.882
0.382
0.880
0.390
0.890
0.380
0.888
0.388
0.886
0.396
0.896
0.386
0.894
0.394
0.893
0.403
0.902
0.392
0.900
0.400
0.899
0.409
0.908
0.398
0.907
0.407
0.905
0.415
0.794
0.314
0.791
0.321
0.788
0.328
0.801
0.321
0.798
0.328
0.796
0.336
0.808
0.328
0.805
0.335
0.803
0.343
0.815
0.335
0.813
0.343
0.810
0.350
0.822
0.342
0.820
0.350
0.817
0.357
0.829
0.349
0.827
0.357
0.825
0.365
0.836
0.356
0.834
0.364
0.832
0.372
0.843
0.363
0.841
0.371
0.839
0.379
0.851
0.371
0.849
0.379
0.847
0.387
0.858
0.378
0.856
0.386
0.854
0.394
0.864
0.384
0.863
0.393
0.861
0.401
0.871
0.391
0.870
0.400
0.868
0.408
0.878
0.398
0.877
0.407
0.875
0.415
0.885
0.405
0.883
0.413
0.882
0.422
0.891
0.411
0.890
0.420
0.888
0.428
0.898
0.418
0.896
0.426
0.895
0.435
0.904
0.424
0.903
0.433
0.901
0.441
0.786
0.336
0.783
0.343
0.781
0.351
0.793
0.343
0.791
0.351
0.788
0.358
0.800
0.350
0.798
0.358
0.796
0.366
0.808
0.358
0.805
0.365
0.803
0.373
0.815
0.365
0.813
0.373
0.811
0.381
0.823
0.373
0.820
0.380
0.818
0.388
0.830
0.380
0.828
0.388
0.826
0.396
0.837
0.387
0.835
0.395
0.833
0.403
0.845
0.395
0.843
0.403
0.841
0.411
0.852
0.402
0.850
0.410
0.848
0.418
0.859
0.409
0.857
0.417
0.855
0.425
0.866
0.416
0.864
0.424
0.863
0.433
0.873
0.423
0.872
0.432
0.870
0.440
0.880
0.430
0.879
0.439
0.877
0.447
0.887
0.437
0.885
0.445
0.884
0.454
0.893
0.443
0.892
0.452
0.891
0.461
0.900
0.450
0.899
0.459
0.897
0.467
0.778
0.358
0.776
0.366
0.773
0.373
0.786
0.366
0.783
0.373
0.781
0.381
0.793
0.373
0.791
0.381
0.789
0.389
0.801
0.381
0.799
0.389
0.796
0.396
0.808
0.388
0.806
0.396
0.804
0.404
0.816
0.396
0.814
0.404
0.812
0.412
0.824
0.404
0.822
0.412
0.820
0.420
0.831
0.411
0.829
0.419
0.827
0.427
0.839
0.419
0.837
0.427
0.835
0.435
0.846
0.426
0.845
0.435
0.843
0.443
0.854
0.434
0.852
0.442
0.850
0.450
0.861
0.441
0.859
0.449
0.858
0.458
0.868
0.448
0.867
0.457
0.865
0.465
0.875
0.455
0.874
0.464
0.872
0.472
0.882
0.462
0.881
0.471
0.880
0.480
0.889
0.469
0.888
0.478
0.887
0.487
0.896
0.476
0.895
0.485
0.894
0.494
56
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
69
0.771
0.381
0.768
0.388
0.766
0.396
70
0.779
0.389
0.776
0.396
0.774
0.404
71
0.786
0.396
0.784
0.404
0.782
0.412
72
0.794
0.404
0.792
0.412
0.790
0.420
73
0.802
0.412
0.800
0.420
0.798
0.428
74
0.810
0.420
0.808
0.428
0.806
0.436
Expected Unlimited Loss Group
75
76
77
78
79
0.818 0.825 0.833 0.841 0.848
0.428 0.435 0.443 0.451 0.458
0.816 0.823 0.831 0.839 0.847
0.436 0.443 0.451 0.459 0.467
0.814 0.822 0.830 0.837 0.845
0.444 0.452 0.460 0.467 0.475
80
0.856
0.466
0.854
0.474
0.853
0.483
81
0.864
0.474
0.862
0.482
0.861
0.491
82
0.871
0.481
0.869
0.489
0.868
0.498
83
0.878
0.488
0.877
0.497
0.875
0.505
84
0.885
0.495
0.884
0.504
0.883
0.513
85
0.892
0.502
0.891
0.511
0.890
0.520
0.764
0.404
0.761
0.411
0.759
0.419
0.772
0.412
0.769
0.419
0.767
0.427
0.780
0.420
0.777
0.427
0.775
0.435
0.787
0.427
0.785
0.435
0.783
0.443
0.795
0.435
0.793
0.443
0.791
0.451
0.804
0.444
0.802
0.452
0.800
0.460
0.812
0.452
0.810
0.460
0.808
0.468
0.820
0.460
0.818
0.468
0.816
0.476
0.828
0.468
0.826
0.476
0.824
0.484
0.836
0.476
0.834
0.484
0.832
0.492
0.843
0.483
0.842
0.492
0.840
0.500
0.851
0.491
0.850
0.500
0.848
0.508
0.859
0.499
0.857
0.507
0.856
0.516
0.867
0.507
0.865
0.515
0.864
0.524
0.874
0.514
0.873
0.523
0.871
0.531
0.881
0.521
0.880
0.530
0.879
0.539
0.889
0.529
0.888
0.538
0.886
0.546
0.757
0.427
0.755
0.435
0.752
0.442
0.765
0.435
0.763
0.443
0.761
0.451
0.773
0.443
0.771
0.451
0.769
0.459
0.781
0.451
0.779
0.459
0.777
0.467
0.789
0.459
0.787
0.467
0.785
0.475
0.798
0.468
0.796
0.476
0.794
0.484
0.806
0.476
0.804
0.484
0.802
0.492
0.814
0.484
0.812
0.492
0.810
0.500
0.822
0.492
0.821
0.501
0.819
0.509
0.830
0.500
0.829
0.509
0.827
0.517
0.838
0.508
0.837
0.517
0.835
0.525
0.846
0.516
0.845
0.525
0.843
0.533
0.854
0.524
0.853
0.533
0.851
0.541
0.862
0.532
0.861
0.541
0.859
0.549
0.870
0.540
0.868
0.548
0.867
0.557
0.878
0.548
0.876
0.556
0.875
0.565
0.885
0.555
0.884
0.564
0.883
0.573
0.750
0.450
0.748
0.458
0.746
0.466
0.758
0.458
0.756
0.466
0.754
0.474
0.767
0.467
0.765
0.475
0.762
0.482
0.775
0.475
0.773
0.483
0.771
0.491
0.783
0.483
0.781
0.491
0.779
0.499
0.792
0.492
0.790
0.500
0.788
0.508
0.800
0.500
0.798
0.508
0.797
0.517
0.809
0.509
0.807
0.517
0.805
0.525
0.817
0.517
0.815
0.525
0.814
0.534
0.825
0.525
0.824
0.534
0.822
0.542
0.834
0.534
0.832
0.542
0.830
0.550
0.842
0.542
0.840
0.550
0.839
0.559
0.850
0.550
0.848
0.558
0.847
0.567
0.858
0.558
0.857
0.567
0.855
0.575
0.866
0.566
0.864
0.574
0.863
0.583
0.874
0.574
0.872
0.582
0.871
0.591
0.882
0.582
0.880
0.590
0.879
0.599
0.744
0.474
0.742
0.482
0.739
0.489
0.752
0.482
0.750
0.490
0.748
0.498
0.760
0.490
0.758
0.498
0.756
0.506
0.769
0.499
0.767
0.507
0.765
0.515
0.777
0.507
0.776
0.516
0.774
0.524
0.786
0.516
0.784
0.524
0.782
0.532
0.795
0.525
0.793
0.533
0.791
0.541
0.803
0.533
0.802
0.542
0.800
0.550
0.812
0.542
0.810
0.550
0.809
0.559
0.820
0.550
0.819
0.559
0.817
0.567
0.829
0.559
0.827
0.567
0.826
0.576
0.837
0.567
0.836
0.576
0.834
0.584
0.846
0.576
0.844
0.584
0.843
0.593
0.854
0.584
0.852
0.592
0.851
0.601
0.862
0.592
0.861
0.601
0.859
0.609
0.870
0.600
0.869
0.609
0.868
0.618
0.878
0.608
0.877
0.617
0.876
0.626
0.737
0.497
0.735
0.505
0.733
0.513
0.746
0.506
0.744
0.514
0.742
0.522
0.754
0.514
0.753
0.523
0.751
0.531
0.763
0.523
0.761
0.531
0.759
0.539
0.772
0.532
0.770
0.540
0.768
0.548
0.781
0.541
0.779
0.549
0.777
0.557
0.789
0.549
0.788
0.558
0.786
0.566
0.798
0.558
0.797
0.567
0.795
0.575
0.807
0.567
0.805
0.575
0.804
0.584
0.816
0.576
0.814
0.584
0.813
0.593
0.824
0.584
0.823
0.593
0.821
0.601
0.833
0.593
0.831
0.601
0.830
0.610
0.841
0.601
0.840
0.610
0.838
0.618
0.850
0.610
0.848
0.618
0.847
0.627
0.858
0.618
0.857
0.627
0.855
0.635
0.866
0.626
0.865
0.635
0.864
0.644
0.875
0.635
0.874
0.644
0.872
0.652
0.731
0.521
0.729
0.529
0.727
0.537
0.740
0.530
0.738
0.538
0.736
0.546
0.749
0.539
0.747
0.547
0.745
0.555
0.757
0.547
0.756
0.556
0.754
0.564
0.766
0.556
0.764
0.564
0.763
0.573
0.775
0.565
0.773
0.573
0.772
0.582
0.784
0.574
0.783
0.583
0.781
0.591
0.793
0.583
0.792
0.592
0.790
0.600
0.802
0.592
0.801
0.601
0.799
0.609
0.811
0.601
0.809
0.609
0.808
0.618
0.820
0.610
0.818
0.618
0.817
0.627
0.828
0.618
0.827
0.627
0.825
0.635
0.837
0.627
0.836
0.636
0.834
0.644
0.846
0.636
0.844
0.644
0.843
0.653
0.854
0.644
0.853
0.653
0.852
0.662
0.863
0.653
0.862
0.662
0.860
0.670
0.871
0.661
0.870
0.670
0.869
0.679
0.725
0.545
0.723
0.553
0.722
0.562
0.734
0.554
0.732
0.562
0.730
0.570
0.743
0.563
0.741
0.571
0.739
0.579
0.752
0.572
0.750
0.580
0.748
0.588
0.761
0.581
0.759
0.589
0.757
0.597
0.770
0.590
0.768
0.598
0.767
0.607
0.779
0.599
0.778
0.608
0.776
0.616
0.788
0.608
0.787
0.617
0.785
0.625
0.797
0.617
0.796
0.626
0.794
0.634
0.806
0.626
0.805
0.635
0.803
0.643
0.815
0.635
0.814
0.644
0.812
0.652
0.824
0.644
0.823
0.653
0.821
0.661
0.833
0.653
0.831
0.661
0.830
0.670
0.842
0.662
0.840
0.670
0.839
0.679
0.850
0.670
0.849
0.679
0.848
0.688
0.859
0.679
0.858
0.688
0.857
0.697
0.868
0.688
0.867
0.697
0.866
0.706
0.720
0.570
0.718
0.578
0.716
0.586
0.729
0.579
0.727
0.587
0.725
0.595
0.738
0.588
0.736
0.596
0.734
0.604
0.747
0.597
0.745
0.605
0.743
0.613
0.756
0.606
0.754
0.614
0.752
0.622
0.765
0.615
0.763
0.623
0.762
0.632
0.774
0.624
0.773
0.633
0.771
0.641
0.784
0.634
0.782
0.642
0.780
0.650
0.793
0.643
0.791
0.651
0.790
0.660
0.802
0.652
0.800
0.660
0.799
0.669
0.811
0.661
0.809
0.669
0.808
0.678
0.820
0.670
0.818
0.678
0.817
0.687
0.829
0.679
0.827
0.687
0.826
0.696
0.838
0.688
0.836
0.696
0.835
0.705
0.847
0.697
0.846
0.706
0.844
0.714
0.856
0.706
0.855
0.715
0.853
0.723
0.865
0.715
0.864
0.724
0.863
0.733
0.714
0.594
0.712
0.602
0.711
0.611
0.723
0.603
0.721
0.611
0.720
0.620
0.732
0.612
0.731
0.621
0.729
0.629
0.741
0.621
0.740
0.630
0.738
0.638
0.751
0.631
0.749
0.639
0.747
0.647
0.760
0.640
0.758
0.648
0.757
0.657
0.769
0.649
0.768
0.658
0.766
0.666
0.779
0.659
0.777
0.667
0.776
0.676
0.788
0.668
0.787
0.677
0.785
0.685
0.797
0.677
0.796
0.686
0.794
0.694
0.807
0.687
0.805
0.695
0.804
0.704
0.816
0.696
0.814
0.704
0.813
0.713
0.825
0.705
0.823
0.713
0.822
0.722
0.834
0.714
0.833
0.723
0.831
0.731
0.843
0.723
0.842
0.732
0.841
0.741
0.852
0.732
0.851
0.741
0.850
0.750
0.862
0.742
0.861
0.751
0.860
0.760
57
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.91
69
0.709
0.619
0.707
0.627
0.705
0.635
70
0.718
0.628
0.716
0.636
0.714
0.644
71
0.727
0.637
0.725
0.645
0.724
0.654
72
0.736
0.646
0.734
0.654
0.733
0.663
73
0.746
0.656
0.744
0.664
0.742
0.672
74
0.755
0.665
0.754
0.674
0.752
0.682
Expected Unlimited Loss Group
75
76
77
78
79
0.765 0.774 0.784 0.793 0.802
0.675 0.684 0.694 0.703 0.712
0.763 0.773 0.782 0.792 0.801
0.683 0.693 0.702 0.712 0.721
0.762 0.771 0.781 0.790 0.800
0.692 0.701 0.711 0.720 0.730
80
0.812
0.722
0.811
0.731
0.810
0.740
81
0.821
0.731
0.820
0.740
0.819
0.749
82
0.830
0.740
0.829
0.749
0.829
0.759
83
0.840
0.750
0.838
0.758
0.838
0.768
84
0.849
0.759
0.848
0.768
0.848
0.778
85
0.858
0.768
0.857
0.777
0.857
0.787
0.703
0.643
0.702
0.652
0.699
0.659
0.713
0.653
0.711
0.661
0.708
0.668
0.722
0.662
0.720
0.670
0.718
0.678
0.731
0.671
0.729
0.679
0.727
0.687
0.741
0.681
0.739
0.689
0.737
0.697
0.750
0.690
0.749
0.699
0.747
0.707
0.760
0.700
0.758
0.708
0.757
0.717
0.770
0.710
0.768
0.718
0.766
0.726
0.779
0.719
0.778
0.728
0.776
0.736
0.789
0.729
0.787
0.737
0.786
0.746
0.799
0.739
0.797
0.747
0.796
0.756
0.808
0.748
0.807
0.757
0.805
0.765
0.818
0.758
0.817
0.767
0.815
0.775
0.828
0.768
0.826
0.776
0.825
0.785
0.837
0.777
0.836
0.786
0.835
0.795
0.847
0.787
0.846
0.796
0.844
0.804
0.856
0.796
0.855
0.805
0.854
0.814
0.697
0.667
0.695
0.675
0.692
0.682
0.707
0.677
0.705
0.685
0.702
0.692
0.716
0.686
0.714
0.694
0.712
0.702
0.726
0.696
0.723
0.703
0.722
0.712
0.736
0.706
0.733
0.713
0.732
0.722
0.745
0.715
0.743
0.723
0.742
0.732
0.755
0.725
0.754
0.734
0.752
0.742
0.765
0.735
0.763
0.743
0.762
0.752
0.775
0.745
0.773
0.753
0.772
0.762
0.784
0.754
0.783
0.763
0.781
0.771
0.794
0.764
0.793
0.773
0.791
0.781
0.804
0.774
0.803
0.783
0.801
0.791
0.814
0.784
0.813
0.793
0.811
0.801
0.824
0.794
0.823
0.803
0.821
0.811
0.833
0.803
0.832
0.812
0.831
0.821
0.843
0.813
0.842
0.822
0.841
0.831
0.853
0.823
0.852
0.832
0.851
0.841
1.00
1.01
1.02
1.03
1.04
1.05
0.690
0.690
0.690
0.689
0.687
0.686
0.700
0.700
0.700
0.698
0.697
0.695
0.710
0.710
0.709
0.708
0.706
0.705
0.720
0.720
0.719
0.717
0.716
0.714
0.730
0.730
0.728
0.727
0.726
0.725
0.740
0.740
0.738
0.738
0.737
0.735
0.750
0.750
0.748
0.748
0.747
0.746
0.760
0.760
0.758
0.758
0.757
0.756
0.770
0.770
0.768
0.767
0.766
0.765
0.780
0.780
0.778
0.777
0.776
0.774
0.790
0.789
0.788
0.787
0.785
0.784
0.800
0.799
0.798
0.796
0.795
0.794
0.810
0.809
0.807
0.806
0.804
0.803
0.820
0.819
0.817
0.816
0.814
0.813
0.830
0.829
0.827
0.826
0.825
0.824
0.840
0.839
0.838
0.837
0.835
0.834
0.850
0.849
0.848
0.847
0.845
0.844
1.06
1.07
1.08
1.09
1.10
0.684
0.683
0.681
0.680
0.678
0.694
0.693
0.691
0.690
0.688
0.703
0.702
0.701
0.699
0.698
0.713
0.712
0.711
0.709
0.708
0.723
0.722
0.721
0.720
0.718
0.734
0.733
0.731
0.730
0.729
0.745
0.743
0.742
0.741
0.740
0.754
0.753
0.752
0.751
0.749
0.764
0.762
0.761
0.760
0.759
0.773
0.772
0.771
0.770
0.768
0.783
0.781
0.780
0.779
0.778
0.792
0.791
0.790
0.789
0.787
0.802
0.801
0.799
0.798
0.797
0.812
0.811
0.810
0.809
0.807
0.822
0.821
0.820
0.819
0.818
0.833
0.832
0.831
0.830
0.829
0.843
0.842
0.841
0.840
0.840
1.11
1.12
1.13
1.14
1.15
0.677
0.675
0.674
0.672
0.671
0.687
0.685
0.684
0.682
0.681
0.697
0.695
0.694
0.692
0.691
0.706
0.705
0.704
0.702
0.701
0.717
0.716
0.714
0.713
0.712
0.728
0.726
0.725
0.724
0.722
0.738
0.737
0.736
0.734
0.733
0.748
0.747
0.746
0.744
0.743
0.758
0.757
0.755
0.754
0.753
0.767
0.766
0.765
0.764
0.762
0.777
0.775
0.774
0.773
0.772
0.786
0.785
0.784
0.783
0.782
0.796
0.795
0.794
0.793
0.792
0.806
0.805
0.804
0.804
0.803
0.817
0.816
0.815
0.815
0.814
0.828
0.827
0.826
0.825
0.824
0.839
0.838
0.837
0.836
0.835
1.16
1.17
1.18
1.19
1.20
0.669
0.668
0.667
0.665
0.664
0.679
0.678
0.677
0.675
0.674
0.690
0.688
0.687
0.686
0.684
0.700
0.698
0.697
0.696
0.694
0.710
0.709
0.708
0.706
0.705
0.721
0.720
0.719
0.717
0.716
0.732
0.731
0.730
0.728
0.727
0.742
0.741
0.739
0.738
0.737
0.752
0.750
0.749
0.748
0.747
0.761
0.760
0.759
0.758
0.757
0.771
0.770
0.768
0.767
0.766
0.781
0.779
0.778
0.777
0.776
0.791
0.790
0.788
0.787
0.786
0.801
0.800
0.799
0.798
0.797
0.812
0.811
0.810
0.810
0.809
0.824
0.823
0.822
0.821
0.820
0.835
0.834
0.833
0.832
0.831
1.21
1.22
1.23
1.24
1.25
0.663
0.661
0.660
0.659
0.657
0.673
0.671
0.670
0.669
0.668
0.683
0.682
0.680
0.679
0.678
0.693
0.692
0.691
0.689
0.688
0.704
0.703
0.701
0.700
0.699
0.715
0.714
0.713
0.711
0.710
0.726
0.725
0.724
0.722
0.721
0.736
0.735
0.734
0.732
0.731
0.746
0.745
0.744
0.742
0.741
0.756
0.754
0.753
0.752
0.751
0.765
0.764
0.763
0.762
0.761
0.775
0.774
0.773
0.772
0.771
0.785
0.784
0.783
0.782
0.781
0.796
0.795
0.794
0.793
0.792
0.808
0.807
0.806
0.805
0.804
0.819
0.818
0.817
0.816
0.815
0.830
0.829
0.828
0.828
0.827
1.26
1.27
1.28
1.29
1.30
0.656
0.655
0.653
0.652
0.651
0.666
0.665
0.664
0.663
0.661
0.677
0.675
0.674
0.673
0.672
0.687
0.686
0.685
0.683
0.682
0.698
0.697
0.695
0.694
0.693
0.709
0.708
0.707
0.706
0.704
0.720
0.719
0.718
0.717
0.716
0.730
0.729
0.728
0.727
0.726
0.740
0.739
0.738
0.737
0.736
0.750
0.749
0.748
0.747
0.746
0.760
0.759
0.757
0.756
0.755
0.770
0.769
0.768
0.766
0.765
0.780
0.779
0.778
0.777
0.776
0.791
0.790
0.789
0.788
0.787
0.803
0.802
0.801
0.800
0.799
0.814
0.813
0.813
0.812
0.811
0.826
0.825
0.824
0.823
0.823
1.31
1.32
1.33
1.34
1.35
0.650
0.649
0.647
0.646
0.645
0.660
0.659
0.658
0.657
0.655
0.671
0.669
0.668
0.667
0.666
0.681
0.680
0.679
0.678
0.676
0.692
0.691
0.690
0.689
0.687
0.703
0.702
0.701
0.700
0.699
0.715
0.713
0.712
0.711
0.710
0.725
0.724
0.723
0.721
0.720
0.735
0.734
0.733
0.732
0.730
0.745
0.744
0.742
0.741
0.740
0.754
0.753
0.752
0.751
0.750
0.764
0.763
0.762
0.761
0.760
0.775
0.774
0.773
0.772
0.771
0.786
0.785
0.784
0.783
0.782
0.798
0.797
0.796
0.795
0.794
0.810
0.809
0.808
0.807
0.807
0.822
0.821
0.820
0.819
0.819
1.36
1.37
1.38
1.39
1.40
0.644
0.643
0.641
0.640
0.639
0.654
0.653
0.652
0.651
0.650
0.665
0.664
0.662
0.661
0.660
0.675
0.674
0.673
0.672
0.671
0.686
0.685
0.684
0.683
0.682
0.698
0.697
0.696
0.695
0.694
0.709
0.708
0.707
0.706
0.705
0.719
0.718
0.717
0.716
0.715
0.729
0.728
0.727
0.726
0.725
0.739
0.738
0.737
0.736
0.735
0.749
0.748
0.747
0.746
0.745
0.759
0.758
0.757
0.756
0.755
0.770
0.769
0.768
0.767
0.766
0.781
0.781
0.780
0.779
0.778
0.794
0.793
0.792
0.791
0.790
0.806
0.805
0.804
0.803
0.802
0.818
0.817
0.816
0.816
0.815
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
58
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
69
0.638
0.637
0.636
0.635
0.633
70
0.649
0.647
0.646
0.645
0.644
71
0.659
0.658
0.657
0.656
0.655
72
0.670
0.669
0.668
0.667
0.666
73
0.681
0.680
0.679
0.678
0.677
74
0.692
0.691
0.690
0.689
0.688
Expected Unlimited Loss Group
75
76
77
78
79
0.704 0.714 0.724 0.734 0.744
0.703 0.713 0.723 0.733 0.743
0.702 0.712 0.722 0.732 0.742
0.701 0.711 0.721 0.731 0.741
0.700 0.710 0.720 0.730 0.740
80
0.754
0.753
0.752
0.752
0.751
81
0.765
0.764
0.763
0.762
0.761
82
0.777
0.776
0.775
0.774
0.773
83
0.789
0.788
0.787
0.787
0.786
84
0.802
0.801
0.800
0.799
0.798
85
0.814
0.813
0.812
0.812
0.811
1.46
1.47
1.48
1.49
1.50
0.632
0.631
0.630
0.629
0.628
0.643
0.642
0.641
0.640
0.639
0.654
0.653
0.652
0.651
0.650
0.664
0.663
0.662
0.661
0.660
0.676
0.675
0.674
0.673
0.672
0.687
0.686
0.685
0.684
0.683
0.699
0.698
0.697
0.696
0.695
0.709
0.708
0.707
0.706
0.705
0.719
0.718
0.718
0.717
0.716
0.729
0.729
0.728
0.727
0.726
0.739
0.738
0.738
0.737
0.736
0.750
0.749
0.748
0.747
0.746
0.760
0.759
0.758
0.757
0.757
0.772
0.771
0.771
0.770
0.769
0.785
0.784
0.783
0.782
0.782
0.798
0.797
0.796
0.795
0.794
0.810
0.810
0.809
0.808
0.807
1.51
1.52
1.53
1.54
1.55
0.627
0.626
0.625
0.624
0.623
0.638
0.637
0.636
0.635
0.634
0.649
0.648
0.647
0.646
0.645
0.659
0.658
0.657
0.656
0.655
0.671
0.670
0.669
0.668
0.667
0.682
0.681
0.680
0.680
0.679
0.694
0.693
0.692
0.691
0.690
0.704
0.704
0.703
0.702
0.701
0.715
0.714
0.713
0.712
0.711
0.725
0.724
0.723
0.722
0.721
0.735
0.734
0.733
0.732
0.731
0.745
0.744
0.743
0.742
0.741
0.756
0.755
0.754
0.753
0.752
0.768
0.767
0.766
0.765
0.765
0.781
0.780
0.779
0.778
0.778
0.794
0.793
0.792
0.791
0.791
0.807
0.806
0.805
0.804
0.804
1.56
1.57
1.58
1.59
1.60
0.622
0.621
0.620
0.619
0.618
0.633
0.632
0.631
0.630
0.629
0.644
0.643
0.642
0.641
0.640
0.654
0.653
0.653
0.652
0.651
0.666
0.665
0.664
0.663
0.662
0.678
0.677
0.676
0.675
0.674
0.689
0.688
0.688
0.687
0.686
0.700
0.699
0.698
0.697
0.696
0.710
0.709
0.708
0.707
0.707
0.720
0.719
0.718
0.718
0.717
0.730
0.729
0.728
0.728
0.727
0.741
0.740
0.739
0.738
0.737
0.751
0.750
0.750
0.749
0.748
0.764
0.763
0.762
0.761
0.760
0.777
0.776
0.775
0.775
0.774
0.790
0.789
0.788
0.788
0.787
0.803
0.802
0.802
0.801
0.800
1.61
1.62
1.63
1.64
1.65
0.617
0.616
0.615
0.614
0.613
0.628
0.627
0.626
0.625
0.624
0.639
0.638
0.637
0.636
0.635
0.650
0.649
0.648
0.647
0.646
0.661
0.660
0.659
0.658
0.658
0.673
0.672
0.671
0.670
0.669
0.685
0.684
0.683
0.682
0.681
0.695
0.694
0.694
0.693
0.692
0.706
0.705
0.704
0.703
0.702
0.716
0.715
0.714
0.713
0.712
0.726
0.725
0.724
0.723
0.722
0.736
0.735
0.735
0.734
0.733
0.747
0.746
0.745
0.744
0.744
0.760
0.759
0.758
0.757
0.756
0.773
0.772
0.771
0.771
0.770
0.786
0.786
0.785
0.784
0.783
0.800
0.799
0.798
0.798
0.797
1.66
1.67
1.68
1.69
1.70
0.612
0.611
0.610
0.609
0.608
0.623
0.622
0.621
0.620
0.619
0.634
0.633
0.632
0.631
0.630
0.645
0.644
0.643
0.642
0.642
0.657
0.656
0.655
0.654
0.653
0.669
0.668
0.667
0.666
0.665
0.680
0.680
0.679
0.678
0.677
0.691
0.690
0.689
0.688
0.688
0.701
0.701
0.700
0.699
0.698
0.712
0.711
0.710
0.709
0.708
0.722
0.721
0.720
0.719
0.718
0.732
0.731
0.730
0.730
0.729
0.743
0.742
0.741
0.740
0.740
0.756
0.755
0.754
0.753
0.753
0.769
0.768
0.768
0.767
0.766
0.783
0.782
0.781
0.781
0.780
0.796
0.796
0.795
0.794
0.794
1.71
1.72
1.73
1.74
1.75
0.607
0.607
0.606
0.605
0.604
0.618
0.618
0.617
0.616
0.615
0.630
0.629
0.628
0.627
0.626
0.641
0.640
0.639
0.638
0.637
0.652
0.651
0.651
0.650
0.649
0.664
0.663
0.663
0.662
0.661
0.676
0.675
0.675
0.674
0.673
0.687
0.686
0.685
0.684
0.684
0.697
0.696
0.696
0.695
0.694
0.707
0.707
0.706
0.705
0.704
0.718
0.717
0.716
0.715
0.714
0.728
0.727
0.726
0.726
0.725
0.739
0.738
0.737
0.736
0.736
0.752
0.751
0.750
0.749
0.749
0.766
0.765
0.764
0.763
0.763
0.779
0.779
0.778
0.777
0.777
0.793
0.792
0.792
0.791
0.791
1.76
1.77
1.78
1.79
1.80
0.603
0.602
0.601
0.600
0.600
0.614
0.613
0.612
0.612
0.611
0.625
0.624
0.624
0.623
0.622
0.636
0.636
0.635
0.634
0.633
0.648
0.647
0.646
0.646
0.645
0.660
0.659
0.659
0.658
0.657
0.672
0.671
0.671
0.670
0.669
0.683
0.682
0.681
0.680
0.680
0.693
0.692
0.692
0.691
0.690
0.703
0.703
0.702
0.701
0.700
0.714
0.713
0.712
0.711
0.710
0.724
0.723
0.722
0.722
0.721
0.735
0.734
0.733
0.733
0.732
0.748
0.747
0.747
0.746
0.745
0.762
0.761
0.761
0.760
0.759
0.776
0.775
0.775
0.774
0.773
0.790
0.789
0.789
0.788
0.788
1.81
1.82
1.83
1.84
1.85
0.599
0.598
0.597
0.596
0.595
0.610
0.609
0.608
0.607
0.607
0.621
0.620
0.619
0.619
0.618
0.632
0.631
0.631
0.630
0.629
0.644
0.643
0.642
0.642
0.641
0.656
0.655
0.655
0.654
0.653
0.668
0.667
0.667
0.666
0.665
0.679
0.678
0.677
0.677
0.676
0.689
0.689
0.688
0.687
0.686
0.700
0.699
0.698
0.697
0.697
0.710
0.709
0.708
0.707
0.707
0.720
0.719
0.719
0.718
0.717
0.731
0.730
0.730
0.729
0.728
0.744
0.744
0.743
0.742
0.741
0.759
0.758
0.757
0.757
0.756
0.773
0.772
0.771
0.771
0.770
0.787
0.786
0.786
0.785
0.785
1.86
1.87
1.88
1.89
1.90
0.595
0.594
0.593
0.592
0.591
0.606
0.605
0.604
0.603
0.603
0.617
0.616
0.615
0.615
0.614
0.628
0.627
0.627
0.626
0.625
0.640
0.639
0.638
0.638
0.637
0.652
0.651
0.651
0.650
0.649
0.664
0.664
0.663
0.662
0.661
0.675
0.674
0.674
0.673
0.672
0.685
0.685
0.684
0.683
0.683
0.696
0.695
0.694
0.694
0.693
0.706
0.705
0.704
0.704
0.703
0.716
0.716
0.715
0.714
0.714
0.727
0.727
0.726
0.725
0.724
0.741
0.740
0.739
0.739
0.738
0.755
0.755
0.754
0.753
0.753
0.770
0.769
0.768
0.768
0.767
0.784
0.783
0.783
0.782
0.782
1.91
1.92
1.93
1.94
1.95
0.591
0.590
0.589
0.588
0.587
0.602
0.601
0.600
0.599
0.599
0.613
0.612
0.611
0.611
0.610
0.624
0.624
0.623
0.622
0.621
0.636
0.635
0.635
0.634
0.633
0.648
0.648
0.647
0.646
0.645
0.661
0.660
0.659
0.658
0.658
0.671
0.671
0.670
0.669
0.668
0.682
0.681
0.680
0.680
0.679
0.692
0.691
0.691
0.690
0.689
0.702
0.702
0.701
0.700
0.699
0.713
0.712
0.711
0.711
0.710
0.724
0.723
0.722
0.722
0.721
0.737
0.737
0.736
0.735
0.735
0.752
0.751
0.751
0.750
0.749
0.767
0.766
0.765
0.765
0.764
0.781
0.781
0.780
0.779
0.779
1.96
1.97
1.98
1.99
2.00
0.587
0.586
0.585
0.584
0.584
0.598
0.597
0.596
0.596
0.595
0.609
0.608
0.608
0.607
0.606
0.621
0.620
0.619
0.618
0.618
0.632
0.632
0.631
0.630
0.630
0.645
0.644
0.643
0.643
0.642
0.657
0.656
0.656
0.655
0.654
0.668
0.667
0.666
0.666
0.665
0.678
0.678
0.677
0.676
0.675
0.689
0.688
0.687
0.686
0.686
0.699
0.698
0.697
0.697
0.696
0.709
0.709
0.708
0.707
0.707
0.720
0.720
0.719
0.718
0.717
0.734
0.733
0.733
0.732
0.731
0.749
0.748
0.748
0.747
0.746
0.764
0.763
0.762
0.762
0.761
0.778
0.778
0.777
0.777
0.776
59
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
69
0.583
0.582
0.581
0.581
0.580
70
0.594
0.593
0.593
0.592
0.591
71
0.606
0.605
0.604
0.603
0.603
72
0.617
0.616
0.615
0.615
0.614
73
0.629
0.628
0.627
0.627
0.626
74
0.641
0.641
0.640
0.639
0.638
Expected Unlimited Loss Group
75
76
77
78
79
0.654 0.664 0.675 0.685 0.695
0.653 0.664 0.674 0.684 0.695
0.652 0.663 0.673 0.684 0.694
0.651 0.662 0.673 0.683 0.693
0.651 0.662 0.672 0.682 0.693
80
0.706
0.705
0.705
0.704
0.703
81
0.717
0.716
0.715
0.715
0.714
82
0.731
0.730
0.729
0.729
0.728
83
0.746
0.745
0.744
0.744
0.743
84
0.761
0.760
0.760
0.759
0.758
85
0.776
0.775
0.775
0.774
0.773
2.06
2.07
2.08
2.09
2.10
0.579
0.578
0.578
0.577
0.576
0.591
0.590
0.589
0.588
0.588
0.602
0.601
0.601
0.600
0.599
0.613
0.613
0.612
0.611
0.611
0.625
0.625
0.624
0.623
0.623
0.638
0.637
0.636
0.636
0.635
0.650
0.649
0.649
0.648
0.647
0.661
0.660
0.660
0.659
0.658
0.671
0.671
0.670
0.669
0.669
0.682
0.681
0.680
0.680
0.679
0.692
0.691
0.691
0.690
0.689
0.703
0.702
0.701
0.701
0.700
0.714
0.713
0.712
0.712
0.711
0.728
0.727
0.726
0.726
0.725
0.743
0.742
0.742
0.741
0.740
0.758
0.757
0.757
0.756
0.756
0.773
0.772
0.772
0.771
0.771
2.11
2.12
2.13
2.14
2.15
0.576
0.575
0.574
0.574
0.573
0.587
0.586
0.586
0.585
0.584
0.598
0.598
0.597
0.596
0.596
0.610
0.609
0.609
0.608
0.607
0.622
0.621
0.621
0.620
0.619
0.634
0.634
0.633
0.632
0.632
0.647
0.646
0.646
0.645
0.644
0.658
0.657
0.656
0.656
0.655
0.668
0.667
0.667
0.666
0.666
0.678
0.678
0.677
0.677
0.676
0.689
0.688
0.687
0.687
0.686
0.699
0.699
0.698
0.697
0.697
0.710
0.710
0.709
0.708
0.708
0.724
0.724
0.723
0.723
0.722
0.740
0.739
0.739
0.738
0.737
0.755
0.755
0.754
0.753
0.753
0.770
0.770
0.769
0.769
0.768
2.16
2.17
2.18
2.19
2.20
0.572
0.572
0.571
0.570
0.570
0.584
0.583
0.582
0.582
0.581
0.595
0.594
0.594
0.593
0.592
0.607
0.606
0.605
0.605
0.604
0.619
0.618
0.617
0.617
0.616
0.631
0.631
0.630
0.629
0.629
0.644
0.643
0.642
0.642
0.641
0.654
0.654
0.653
0.652
0.652
0.665
0.664
0.664
0.663
0.662
0.675
0.675
0.674
0.673
0.673
0.685
0.685
0.684
0.684
0.683
0.696
0.695
0.695
0.694
0.694
0.707
0.707
0.706
0.705
0.705
0.721
0.721
0.720
0.720
0.719
0.737
0.736
0.736
0.735
0.735
0.752
0.752
0.751
0.751
0.750
0.768
0.767
0.767
0.766
0.766
2.21
2.22
2.23
2.24
2.25
0.569
0.568
0.568
0.567
0.566
0.580
0.580
0.579
0.578
0.578
0.592
0.591
0.591
0.590
0.589
0.603
0.603
0.602
0.601
0.601
0.615
0.615
0.614
0.614
0.613
0.628
0.627
0.627
0.626
0.626
0.640
0.640
0.639
0.639
0.638
0.651
0.651
0.650
0.649
0.649
0.662
0.661
0.661
0.660
0.659
0.672
0.672
0.671
0.670
0.670
0.682
0.682
0.681
0.681
0.680
0.693
0.692
0.692
0.691
0.691
0.704
0.703
0.703
0.702
0.702
0.719
0.718
0.717
0.717
0.716
0.734
0.734
0.733
0.733
0.732
0.750
0.749
0.749
0.748
0.748
0.765
0.765
0.764
0.764
0.764
2.26
2.27
2.28
2.29
2.30
0.566
0.565
0.564
0.564
0.563
0.577
0.576
0.576
0.575
0.575
0.589
0.588
0.587
0.587
0.586
0.600
0.600
0.599
0.598
0.598
0.612
0.612
0.611
0.611
0.610
0.625
0.624
0.624
0.623
0.622
0.637
0.637
0.636
0.636
0.635
0.648
0.648
0.647
0.646
0.646
0.659
0.658
0.658
0.657
0.656
0.669
0.668
0.668
0.667
0.667
0.679
0.679
0.678
0.678
0.677
0.690
0.689
0.689
0.688
0.688
0.701
0.701
0.700
0.699
0.699
0.716
0.715
0.715
0.714
0.713
0.731
0.731
0.730
0.730
0.729
0.747
0.747
0.746
0.746
0.745
0.763
0.763
0.762
0.762
0.761
2.31
2.32
2.33
2.34
2.35
0.563
0.562
0.561
0.561
0.560
0.574
0.573
0.573
0.572
0.572
0.586
0.585
0.584
0.584
0.583
0.597
0.597
0.596
0.595
0.595
0.609
0.609
0.608
0.608
0.607
0.622
0.621
0.621
0.620
0.620
0.634
0.634
0.633
0.633
0.632
0.645
0.645
0.644
0.643
0.643
0.656
0.655
0.655
0.654
0.653
0.666
0.666
0.665
0.664
0.664
0.676
0.676
0.675
0.675
0.674
0.687
0.686
0.686
0.685
0.685
0.698
0.698
0.697
0.696
0.696
0.713
0.712
0.712
0.711
0.711
0.729
0.728
0.728
0.727
0.727
0.745
0.744
0.744
0.743
0.743
0.761
0.760
0.760
0.759
0.759
2.36
2.37
2.38
2.39
2.40
0.559
0.559
0.558
0.558
0.557
0.571
0.570
0.570
0.569
0.569
0.583
0.582
0.581
0.581
0.580
0.594
0.594
0.593
0.592
0.592
0.606
0.606
0.605
0.605
0.604
0.619
0.618
0.618
0.617
0.617
0.632
0.631
0.630
0.630
0.629
0.642
0.642
0.641
0.641
0.640
0.653
0.652
0.652
0.651
0.651
0.663
0.663
0.662
0.662
0.661
0.673
0.673
0.672
0.672
0.671
0.684
0.684
0.683
0.682
0.682
0.695
0.695
0.694
0.694
0.693
0.710
0.710
0.709
0.709
0.708
0.726
0.726
0.725
0.725
0.724
0.742
0.742
0.741
0.741
0.740
0.758
0.758
0.758
0.757
0.757
2.41
2.42
2.43
2.44
2.45
0.557
0.556
0.555
0.555
0.554
0.568
0.567
0.567
0.566
0.566
0.580
0.579
0.579
0.578
0.577
0.591
0.591
0.590
0.590
0.589
0.603
0.603
0.602
0.602
0.601
0.616
0.616
0.615
0.614
0.614
0.629
0.628
0.628
0.627
0.627
0.639
0.639
0.638
0.638
0.637
0.650
0.649
0.649
0.648
0.648
0.660
0.660
0.659
0.659
0.658
0.671
0.670
0.670
0.669
0.668
0.681
0.681
0.680
0.680
0.679
0.693
0.692
0.691
0.691
0.690
0.707
0.707
0.706
0.706
0.705
0.724
0.723
0.723
0.722
0.722
0.740
0.739
0.739
0.739
0.738
0.756
0.756
0.755
0.755
0.754
2.46
2.47
2.48
2.49
2.50
0.554
0.553
0.553
0.552
0.551
0.565
0.565
0.564
0.564
0.563
0.577
0.576
0.576
0.575
0.575
0.588
0.588
0.587
0.587
0.586
0.601
0.600
0.600
0.599
0.598
0.613
0.613
0.612
0.612
0.611
0.626
0.625
0.625
0.624
0.624
0.637
0.636
0.636
0.635
0.635
0.647
0.647
0.646
0.646
0.645
0.658
0.657
0.657
0.656
0.655
0.668
0.667
0.667
0.666
0.666
0.679
0.678
0.678
0.677
0.676
0.690
0.689
0.689
0.688
0.688
0.705
0.704
0.704
0.703
0.703
0.721
0.721
0.720
0.720
0.719
0.738
0.737
0.737
0.736
0.736
0.754
0.754
0.753
0.753
0.752
2.51
2.52
2.53
2.54
2.55
0.551
0.550
0.550
0.549
0.549
0.562
0.562
0.561
0.561
0.560
0.574
0.573
0.573
0.572
0.572
0.586
0.585
0.585
0.584
0.583
0.598
0.597
0.597
0.596
0.596
0.611
0.610
0.610
0.609
0.608
0.623
0.623
0.622
0.622
0.621
0.634
0.633
0.633
0.632
0.632
0.645
0.644
0.643
0.643
0.642
0.655
0.654
0.654
0.653
0.653
0.665
0.665
0.664
0.664
0.663
0.676
0.675
0.675
0.674
0.674
0.687
0.687
0.686
0.686
0.685
0.702
0.702
0.701
0.701
0.700
0.719
0.718
0.718
0.717
0.717
0.735
0.735
0.734
0.734
0.734
0.752
0.751
0.751
0.751
0.750
2.56
2.57
2.58
2.59
2.60
0.548
0.548
0.547
0.547
0.546
0.560
0.559
0.559
0.558
0.558
0.571
0.571
0.570
0.570
0.569
0.583
0.582
0.582
0.581
0.581
0.595
0.595
0.594
0.594
0.593
0.608
0.607
0.607
0.606
0.606
0.621
0.620
0.620
0.619
0.619
0.631
0.631
0.630
0.630
0.629
0.642
0.641
0.641
0.640
0.640
0.652
0.652
0.651
0.651
0.650
0.663
0.662
0.661
0.661
0.660
0.673
0.673
0.672
0.672
0.671
0.685
0.684
0.684
0.683
0.682
0.700
0.699
0.699
0.698
0.698
0.716
0.716
0.716
0.715
0.715
0.733
0.733
0.732
0.732
0.731
0.750
0.749
0.749
0.749
0.748
60
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
69
0.545
0.545
0.544
0.544
0.543
70
0.557
0.557
0.556
0.555
0.555
71
0.569
0.568
0.568
0.567
0.567
72
0.580
0.580
0.579
0.579
0.578
73
0.593
0.592
0.592
0.591
0.591
74
0.605
0.605
0.604
0.604
0.603
Expected Unlimited Loss Group
75
76
77
78
79
0.618 0.629 0.639 0.650 0.660
0.618 0.628 0.639 0.649 0.659
0.617 0.628 0.638 0.649 0.659
0.617 0.627 0.638 0.648 0.658
0.616 0.627 0.637 0.648 0.658
80
0.671
0.670
0.670
0.669
0.669
81
0.682
0.681
0.681
0.680
0.680
82
0.697
0.697
0.696
0.696
0.695
83
0.714
0.714
0.713
0.713
0.712
84
0.731
0.731
0.730
0.730
0.729
85
0.748
0.747
0.747
0.747
0.746
2.66
2.67
2.68
2.69
2.70
0.543
0.542
0.542
0.541
0.541
0.554
0.554
0.553
0.553
0.552
0.566
0.566
0.565
0.565
0.564
0.578
0.577
0.577
0.576
0.576
0.590
0.590
0.589
0.589
0.588
0.603
0.602
0.602
0.601
0.601
0.616
0.615
0.615
0.614
0.614
0.626
0.626
0.625
0.625
0.624
0.637
0.636
0.636
0.635
0.635
0.647
0.647
0.646
0.646
0.645
0.657
0.657
0.656
0.656
0.655
0.668
0.668
0.667
0.667
0.666
0.679
0.679
0.679
0.678
0.678
0.695
0.694
0.694
0.694
0.693
0.712
0.711
0.711
0.711
0.710
0.729
0.728
0.728
0.728
0.727
0.746
0.745
0.745
0.745
0.744
2.71
2.72
2.73
2.74
2.75
0.540
0.540
0.539
0.539
0.538
0.552
0.551
0.551
0.550
0.550
0.564
0.563
0.563
0.562
0.562
0.575
0.575
0.574
0.574
0.573
0.588
0.587
0.587
0.586
0.586
0.600
0.600
0.599
0.599
0.598
0.613
0.613
0.612
0.612
0.611
0.624
0.623
0.623
0.622
0.622
0.634
0.634
0.633
0.633
0.632
0.645
0.644
0.644
0.643
0.643
0.655
0.654
0.654
0.654
0.653
0.666
0.665
0.665
0.664
0.664
0.677
0.677
0.676
0.676
0.675
0.693
0.692
0.692
0.691
0.691
0.710
0.709
0.709
0.708
0.708
0.727
0.726
0.726
0.726
0.725
0.744
0.743
0.743
0.743
0.742
2.76
2.77
2.78
2.79
2.80
0.538
0.537
0.537
0.536
0.536
0.549
0.549
0.548
0.548
0.548
0.561
0.561
0.560
0.560
0.559
0.573
0.572
0.572
0.571
0.571
0.585
0.585
0.584
0.584
0.583
0.598
0.597
0.597
0.597
0.596
0.611
0.610
0.610
0.609
0.609
0.621
0.621
0.620
0.620
0.620
0.632
0.631
0.631
0.631
0.630
0.642
0.642
0.641
0.641
0.640
0.653
0.652
0.652
0.651
0.651
0.663
0.663
0.662
0.662
0.661
0.675
0.674
0.674
0.673
0.673
0.690
0.690
0.689
0.689
0.689
0.708
0.707
0.707
0.706
0.706
0.725
0.724
0.724
0.724
0.723
0.742
0.742
0.741
0.741
0.740
2.81
2.82
2.83
2.84
2.85
0.535
0.535
0.534
0.534
0.533
0.547
0.547
0.546
0.546
0.545
0.559
0.558
0.558
0.557
0.557
0.570
0.570
0.569
0.569
0.569
0.583
0.582
0.582
0.581
0.581
0.596
0.595
0.595
0.594
0.594
0.608
0.608
0.607
0.607
0.607
0.619
0.619
0.618
0.618
0.617
0.630
0.629
0.629
0.628
0.628
0.640
0.640
0.639
0.639
0.638
0.650
0.650
0.649
0.649
0.648
0.661
0.661
0.660
0.660
0.659
0.672
0.672
0.671
0.671
0.671
0.688
0.688
0.687
0.687
0.686
0.705
0.705
0.705
0.704
0.704
0.723
0.722
0.722
0.722
0.721
0.740
0.740
0.739
0.739
0.739
2.86
2.87
2.88
2.89
2.90
0.533
0.533
0.532
0.532
0.532
0.545
0.544
0.544
0.544
0.543
0.556
0.556
0.555
0.555
0.555
0.568
0.568
0.567
0.567
0.566
0.580
0.580
0.580
0.579
0.579
0.593
0.593
0.592
0.592
0.591
0.606
0.606
0.605
0.605
0.604
0.617
0.616
0.616
0.615
0.615
0.627
0.627
0.626
0.626
0.625
0.638
0.637
0.637
0.636
0.636
0.648
0.647
0.647
0.647
0.646
0.659
0.658
0.657
0.657
0.657
0.670
0.669
0.668
0.668
0.667
0.686
0.684
0.684
0.683
0.683
0.703
0.702
0.701
0.701
0.701
0.721
0.719
0.719
0.718
0.718
0.738
0.737
0.736
0.736
0.736
2.91
2.92
2.93
2.94
2.95
0.532
0.531
0.531
0.531
0.530
0.543
0.543
0.542
0.542
0.541
0.554
0.554
0.553
0.553
0.552
0.566
0.565
0.564
0.564
0.563
0.578
0.578
0.577
0.576
0.576
0.591
0.590
0.590
0.589
0.589
0.604
0.603
0.603
0.602
0.602
0.614
0.614
0.613
0.613
0.612
0.625
0.624
0.624
0.623
0.623
0.635
0.635
0.634
0.634
0.633
0.646
0.645
0.645
0.644
0.644
0.656
0.656
0.655
0.655
0.654
0.667
0.666
0.666
0.665
0.665
0.682
0.682
0.682
0.681
0.681
0.700
0.700
0.699
0.699
0.699
0.718
0.717
0.717
0.717
0.716
0.735
0.735
0.735
0.734
0.734
2.96
2.97
2.98
2.99
3.00
0.530
0.529
0.529
0.528
0.527
0.541
0.540
0.540
0.539
0.538
0.552
0.551
0.551
0.551
0.550
0.563
0.563
0.562
0.562
0.561
0.575
0.575
0.574
0.573
0.573
0.588
0.588
0.585
0.585
0.585
0.601
0.601
0.597
0.597
0.596
0.612
0.612
0.609
0.609
0.608
0.622
0.622
0.621
0.620
0.620
0.633
0.632
0.632
0.631
0.631
0.643
0.643
0.643
0.642
0.642
0.654
0.654
0.653
0.653
0.652
0.665
0.664
0.664
0.664
0.663
0.680
0.680
0.680
0.680
0.679
0.698
0.698
0.698
0.697
0.697
0.716
0.716
0.716
0.715
0.715
0.734
0.734
0.733
0.733
0.733
61
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
Expected Unlimited Loss Group
91
92
93
94
0.999 0.999 0.999 0.999
0.009 0.009 0.009 0.009
0.997 0.997 0.998 0.998
0.017 0.017 0.018 0.018
0.995 0.996 0.996 0.997
0.025 0.026 0.026 0.027
86
0.999
0.009
0.996
0.016
0.992
0.022
87
0.999
0.009
0.996
0.016
0.993
0.023
88
0.999
0.009
0.996
0.016
0.993
0.023
89
0.999
0.009
0.997
0.017
0.994
0.024
90
0.999
0.009
0.997
0.017
0.994
0.024
95
0.999
0.009
0.998
0.018
0.997
0.027
96
1.000
0.010
0.999
0.019
0.998
0.028
97
1.000
0.010
0.999
0.019
0.998
0.028
98
1.000
0.010
0.999
0.019
0.999
0.029
99
1.000
0.010
1.000
0.020
0.999
0.029
0.989
0.029
0.987
0.037
0.984
0.044
0.990
0.030
0.988
0.038
0.985
0.045
0.991
0.031
0.989
0.039
0.986
0.046
0.992
0.032
0.989
0.039
0.987
0.047
0.992
0.032
0.990
0.040
0.988
0.048
0.993
0.033
0.991
0.041
0.990
0.050
0.994
0.034
0.992
0.042
0.991
0.051
0.995
0.035
0.993
0.043
0.992
0.052
0.995
0.035
0.994
0.044
0.993
0.053
0.996
0.036
0.995
0.045
0.994
0.054
0.997
0.037
0.996
0.046
0.995
0.055
0.998
0.038
0.997
0.047
0.997
0.057
0.998
0.038
0.998
0.048
0.998
0.058
0.999
0.039
0.999
0.049
0.999
0.059
0.981
0.051
0.979
0.059
0.976
0.066
0.983
0.053
0.980
0.060
0.978
0.068
0.984
0.054
0.982
0.062
0.980
0.070
0.985
0.055
0.983
0.063
0.981
0.071
0.987
0.057
0.985
0.065
0.983
0.073
0.988
0.058
0.986
0.066
0.985
0.075
0.989
0.059
0.988
0.068
0.986
0.076
0.991
0.061
0.989
0.069
0.988
0.078
0.992
0.062
0.991
0.071
0.990
0.080
0.993
0.063
0.992
0.072
0.992
0.082
0.995
0.065
0.994
0.074
0.993
0.083
0.996
0.066
0.995
0.075
0.995
0.085
0.997
0.067
0.997
0.077
0.997
0.087
0.999
0.069
0.998
0.078
0.998
0.088
0.974
0.074
0.972
0.082
0.970
0.090
0.976
0.076
0.974
0.084
0.972
0.092
0.978
0.078
0.976
0.086
0.974
0.094
0.979
0.079
0.978
0.088
0.976
0.096
0.981
0.081
0.980
0.090
0.978
0.098
0.983
0.083
0.982
0.092
0.981
0.101
0.985
0.085
0.984
0.094
0.983
0.103
0.987
0.087
0.986
0.096
0.985
0.105
0.989
0.089
0.988
0.098
0.987
0.107
0.991
0.091
0.990
0.100
0.989
0.109
0.993
0.093
0.992
0.102
0.991
0.111
0.994
0.094
0.994
0.104
0.994
0.114
0.996
0.096
0.996
0.106
0.996
0.116
0.998
0.098
0.998
0.108
0.998
0.118
0.968
0.098
0.966
0.106
0.964
0.114
0.970
0.100
0.968
0.108
0.967
0.117
0.972
0.102
0.971
0.111
0.969
0.119
0.975
0.105
0.973
0.113
0.972
0.122
0.977
0.107
0.976
0.116
0.974
0.124
0.979
0.109
0.978
0.118
0.977
0.127
0.982
0.112
0.981
0.121
0.980
0.130
0.984
0.114
0.983
0.123
0.982
0.132
0.986
0.116
0.985
0.125
0.985
0.135
0.989
0.119
0.988
0.128
0.987
0.137
0.991
0.121
0.990
0.130
0.990
0.140
0.993
0.123
0.993
0.133
0.992
0.142
0.995
0.125
0.995
0.135
0.995
0.145
0.998
0.128
0.998
0.138
0.997
0.147
0.962
0.122
0.961
0.131
0.959
0.139
0.965
0.125
0.963
0.133
0.962
0.142
0.968
0.128
0.966
0.136
0.965
0.145
0.970
0.130
0.969
0.139
0.968
0.148
0.973
0.133
0.972
0.142
0.971
0.151
0.976
0.136
0.975
0.145
0.974
0.154
0.979
0.139
0.978
0.148
0.977
0.157
0.981
0.141
0.980
0.150
0.979
0.159
0.984
0.144
0.983
0.153
0.982
0.162
0.987
0.147
0.986
0.156
0.985
0.165
0.989
0.149
0.989
0.159
0.988
0.168
0.992
0.152
0.992
0.162
0.991
0.171
0.995
0.155
0.994
0.164
0.994
0.174
0.997
0.157
0.997
0.167
0.997
0.177
0.957
0.147
0.956
0.156
0.954
0.164
0.960
0.150
0.959
0.159
0.957
0.167
0.963
0.153
0.962
0.162
0.961
0.171
0.966
0.156
0.965
0.165
0.964
0.174
0.969
0.159
0.968
0.168
0.967
0.177
0.973
0.163
0.971
0.171
0.970
0.180
0.976
0.166
0.975
0.175
0.974
0.184
0.979
0.169
0.978
0.178
0.977
0.187
0.982
0.172
0.981
0.181
0.980
0.190
0.985
0.175
0.984
0.184
0.984
0.194
0.988
0.178
0.987
0.187
0.987
0.197
0.991
0.181
0.990
0.190
0.990
0.200
0.994
0.184
0.994
0.194
0.993
0.203
0.997
0.187
0.997
0.197
0.997
0.207
0.952
0.172
0.951
0.181
0.949
0.189
0.956
0.176
0.954
0.184
0.953
0.193
0.959
0.179
0.958
0.188
0.956
0.196
0.963
0.183
0.961
0.191
0.960
0.200
0.966
0.186
0.965
0.195
0.964
0.204
0.969
0.189
0.968
0.198
0.967
0.207
0.973
0.193
0.972
0.202
0.971
0.211
0.976
0.196
0.975
0.205
0.975
0.215
0.980
0.200
0.979
0.209
0.978
0.218
0.983
0.203
0.982
0.212
0.982
0.222
0.986
0.206
0.986
0.216
0.985
0.225
0.990
0.210
0.989
0.219
0.989
0.229
0.993
0.213
0.993
0.223
0.993
0.233
0.997
0.217
0.996
0.226
0.996
0.236
0.948
0.198
0.946
0.206
0.944
0.214
0.951
0.201
0.950
0.210
0.948
0.218
0.955
0.205
0.954
0.214
0.952
0.222
0.959
0.209
0.958
0.218
0.956
0.226
0.963
0.213
0.961
0.221
0.960
0.230
0.966
0.216
0.965
0.225
0.964
0.234
0.970
0.220
0.969
0.229
0.968
0.238
0.974
0.224
0.973
0.233
0.972
0.242
0.978
0.228
0.977
0.237
0.976
0.246
0.981
0.231
0.981
0.241
0.980
0.250
0.985
0.235
0.985
0.245
0.984
0.254
0.989
0.239
0.988
0.248
0.988
0.258
0.993
0.243
0.992
0.252
0.992
0.262
0.996
0.246
0.996
0.256
0.996
0.266
0.943
0.223
0.941
0.231
0.940
0.240
0.947
0.227
0.946
0.236
0.944
0.244
0.951
0.231
0.950
0.240
0.949
0.249
0.955
0.235
0.954
0.244
0.953
0.253
0.959
0.239
0.958
0.248
0.957
0.257
0.963
0.243
0.962
0.252
0.961
0.261
0.967
0.247
0.967
0.257
0.966
0.266
0.971
0.251
0.971
0.261
0.970
0.270
0.976
0.256
0.975
0.265
0.974
0.274
0.980
0.260
0.979
0.269
0.979
0.279
0.984
0.264
0.983
0.273
0.983
0.283
0.988
0.268
0.987
0.277
0.987
0.287
0.992
0.272
0.992
0.282
0.991
0.291
0.996
0.276
0.996
0.286
0.996
0.296
62
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
Expected Unlimited Loss Group
91
92
93
94
0.960 0.965 0.969 0.974
0.270 0.275 0.279 0.284
0.960 0.964 0.969 0.973
0.280 0.284 0.289 0.293
0.959 0.963 0.968 0.972
0.289 0.293 0.298 0.302
86
0.939
0.249
0.937
0.257
0.936
0.266
87
0.943
0.253
0.942
0.262
0.940
0.270
88
0.947
0.257
0.946
0.266
0.945
0.275
89
0.952
0.262
0.951
0.271
0.949
0.279
90
0.956
0.266
0.955
0.275
0.954
0.284
95
0.978
0.288
0.978
0.298
0.977
0.307
96
0.982
0.292
0.982
0.302
0.982
0.312
97
0.987
0.297
0.987
0.307
0.986
0.316
98
0.991
0.301
0.991
0.311
0.991
0.321
99
0.996
0.306
0.996
0.316
0.995
0.325
0.934
0.274
0.933
0.283
0.931
0.291
0.939
0.279
0.938
0.288
0.936
0.296
0.944
0.284
0.942
0.292
0.941
0.301
0.948
0.288
0.947
0.297
0.946
0.306
0.953
0.293
0.952
0.302
0.951
0.311
0.958
0.298
0.957
0.307
0.956
0.316
0.962
0.302
0.962
0.312
0.961
0.321
0.967
0.307
0.966
0.316
0.966
0.326
0.972
0.312
0.971
0.321
0.971
0.331
0.977
0.317
0.976
0.326
0.975
0.335
0.981
0.321
0.981
0.331
0.980
0.340
0.986
0.326
0.986
0.336
0.985
0.345
0.991
0.331
0.990
0.340
0.990
0.350
0.995
0.335
0.995
0.345
0.995
0.355
0.930
0.300
0.929
0.309
0.927
0.317
0.935
0.305
0.934
0.314
0.932
0.322
0.940
0.310
0.939
0.319
0.938
0.328
0.945
0.315
0.944
0.324
0.943
0.333
0.950
0.320
0.949
0.329
0.948
0.338
0.955
0.325
0.954
0.334
0.953
0.343
0.960
0.330
0.959
0.339
0.958
0.348
0.965
0.335
0.964
0.344
0.964
0.354
0.970
0.340
0.969
0.349
0.969
0.359
0.975
0.345
0.975
0.355
0.974
0.364
0.980
0.350
0.980
0.360
0.979
0.369
0.985
0.355
0.985
0.365
0.984
0.374
0.990
0.360
0.990
0.370
0.990
0.380
0.995
0.365
0.995
0.375
0.995
0.385
0.926
0.326
0.925
0.335
0.923
0.343
0.931
0.331
0.930
0.340
0.929
0.349
0.936
0.336
0.935
0.345
0.934
0.354
0.942
0.342
0.941
0.351
0.940
0.360
0.947
0.347
0.946
0.356
0.945
0.365
0.952
0.352
0.951
0.361
0.951
0.371
0.958
0.358
0.957
0.367
0.956
0.376
0.963
0.363
0.962
0.372
0.962
0.382
0.968
0.368
0.968
0.378
0.967
0.387
0.974
0.374
0.973
0.383
0.973
0.393
0.979
0.379
0.978
0.388
0.978
0.398
0.984
0.384
0.984
0.394
0.984
0.404
0.989
0.389
0.989
0.399
0.989
0.409
0.995
0.395
0.995
0.405
0.995
0.415
0.922
0.352
0.921
0.361
0.919
0.369
0.927
0.357
0.926
0.366
0.925
0.375
0.933
0.363
0.932
0.372
0.931
0.381
0.939
0.369
0.938
0.378
0.937
0.387
0.944
0.374
0.943
0.383
0.942
0.392
0.950
0.380
0.949
0.389
0.948
0.398
0.955
0.385
0.955
0.395
0.954
0.404
0.961
0.391
0.960
0.400
0.960
0.410
0.967
0.397
0.966
0.406
0.965
0.415
0.972
0.402
0.972
0.412
0.971
0.421
0.978
0.408
0.977
0.417
0.977
0.427
0.983
0.413
0.983
0.423
0.983
0.433
0.989
0.419
0.989
0.429
0.988
0.438
0.994
0.424
0.994
0.434
0.994
0.444
0.918
0.378
0.917
0.387
0.915
0.395
0.924
0.384
0.923
0.393
0.921
0.401
0.930
0.390
0.929
0.399
0.927
0.407
0.936
0.396
0.935
0.405
0.934
0.414
0.941
0.401
0.940
0.410
0.940
0.420
0.947
0.407
0.946
0.416
0.946
0.426
0.953
0.413
0.952
0.422
0.952
0.432
0.959
0.419
0.958
0.428
0.958
0.438
0.965
0.425
0.964
0.434
0.964
0.444
0.971
0.431
0.970
0.440
0.970
0.450
0.977
0.437
0.976
0.446
0.976
0.456
0.982
0.442
0.982
0.452
0.982
0.462
0.988
0.448
0.988
0.458
0.988
0.468
0.994
0.454
0.994
0.464
0.994
0.474
0.914
0.404
0.913
0.413
0.912
0.422
0.920
0.410
0.919
0.419
0.918
0.428
0.926
0.416
0.925
0.425
0.924
0.434
0.933
0.423
0.932
0.432
0.931
0.441
0.939
0.429
0.938
0.438
0.937
0.447
0.945
0.435
0.944
0.444
0.943
0.453
0.951
0.441
0.950
0.450
0.949
0.459
0.957
0.447
0.956
0.456
0.956
0.466
0.963
0.453
0.963
0.463
0.962
0.472
0.969
0.459
0.969
0.469
0.968
0.478
0.975
0.465
0.975
0.475
0.975
0.485
0.982
0.472
0.981
0.481
0.981
0.491
0.988
0.478
0.988
0.488
0.987
0.497
0.994
0.484
0.994
0.494
0.994
0.504
0.910
0.430
0.909
0.439
0.908
0.448
0.917
0.437
0.916
0.446
0.915
0.455
0.923
0.443
0.922
0.452
0.921
0.461
0.930
0.450
0.929
0.459
0.928
0.468
0.936
0.456
0.935
0.465
0.934
0.474
0.942
0.462
0.942
0.472
0.941
0.481
0.949
0.469
0.948
0.478
0.947
0.487
0.955
0.475
0.955
0.485
0.954
0.494
0.962
0.482
0.961
0.491
0.961
0.501
0.968
0.488
0.968
0.498
0.967
0.507
0.974
0.494
0.974
0.504
0.974
0.514
0.981
0.501
0.981
0.511
0.980
0.520
0.987
0.507
0.987
0.517
0.987
0.527
0.994
0.514
0.994
0.524
0.993
0.533
0.907
0.457
0.906
0.466
0.904
0.474
0.913
0.463
0.912
0.472
0.911
0.481
0.920
0.470
0.919
0.479
0.918
0.488
0.927
0.477
0.926
0.486
0.925
0.495
0.933
0.483
0.933
0.493
0.932
0.502
0.940
0.490
0.939
0.499
0.938
0.508
0.947
0.497
0.946
0.506
0.945
0.515
0.953
0.503
0.953
0.513
0.952
0.522
0.960
0.510
0.960
0.520
0.959
0.529
0.967
0.517
0.966
0.526
0.966
0.536
0.973
0.523
0.973
0.533
0.973
0.543
0.980
0.530
0.980
0.540
0.979
0.549
0.987
0.537
0.987
0.547
0.986
0.556
0.993
0.543
0.993
0.553
0.993
0.563
0.903
0.483
0.902
0.492
0.901
0.501
0.910
0.490
0.909
0.499
0.908
0.508
0.917
0.497
0.916
0.506
0.915
0.515
0.924
0.504
0.923
0.513
0.922
0.522
0.931
0.511
0.930
0.520
0.929
0.529
0.938
0.518
0.937
0.527
0.936
0.536
0.945
0.525
0.944
0.534
0.943
0.543
0.952
0.532
0.951
0.541
0.950
0.550
0.958
0.538
0.958
0.548
0.957
0.557
0.965
0.545
0.965
0.555
0.965
0.565
0.972
0.552
0.972
0.562
0.972
0.572
0.979
0.559
0.979
0.569
0.979
0.579
0.986
0.566
0.986
0.576
0.986
0.586
0.993
0.573
0.993
0.583
0.993
0.593
63
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
Expected Unlimited Loss Group
91
92
93
94
0.935 0.943 0.950 0.957
0.545 0.553 0.560 0.567
0.935 0.942 0.949 0.956
0.555 0.562 0.569 0.576
0.934 0.941 0.949 0.956
0.564 0.571 0.579 0.586
86
0.900
0.510
0.898
0.518
0.897
0.527
87
0.907
0.517
0.906
0.526
0.905
0.535
88
0.914
0.524
0.913
0.533
0.912
0.542
89
0.921
0.531
0.920
0.540
0.919
0.549
90
0.928
0.538
0.927
0.547
0.927
0.557
95
0.964
0.574
0.964
0.584
0.963
0.593
96
0.971
0.581
0.971
0.591
0.971
0.601
97
0.978
0.588
0.978
0.598
0.978
0.608
98
0.986
0.596
0.985
0.605
0.985
0.615
99
0.993
0.603
0.993
0.613
0.993
0.623
0.896
0.536
0.895
0.545
0.894
0.554
0.904
0.544
0.903
0.553
0.902
0.562
0.911
0.551
0.910
0.560
0.909
0.569
0.918
0.558
0.918
0.568
0.917
0.577
0.926
0.566
0.925
0.575
0.924
0.584
0.933
0.573
0.933
0.583
0.932
0.592
0.941
0.581
0.940
0.590
0.939
0.599
0.948
0.588
0.948
0.598
0.947
0.607
0.956
0.596
0.955
0.605
0.955
0.615
0.963
0.603
0.963
0.613
0.962
0.622
0.970
0.610
0.970
0.620
0.970
0.630
0.978
0.618
0.978
0.628
0.977
0.637
0.985
0.625
0.985
0.635
0.985
0.645
0.993
0.633
0.993
0.643
0.992
0.652
0.893
0.563
0.892
0.572
0.891
0.581
0.900
0.570
0.899
0.579
0.898
0.588
0.908
0.578
0.907
0.587
0.906
0.596
0.916
0.586
0.915
0.595
0.914
0.604
0.923
0.593
0.923
0.603
0.922
0.612
0.931
0.601
0.930
0.610
0.930
0.620
0.939
0.609
0.938
0.618
0.937
0.627
0.946
0.616
0.946
0.626
0.945
0.635
0.954
0.624
0.954
0.634
0.953
0.643
0.962
0.632
0.961
0.641
0.961
0.651
0.969
0.639
0.969
0.649
0.969
0.659
0.977
0.647
0.977
0.657
0.977
0.667
0.985
0.655
0.985
0.665
0.984
0.674
0.992
0.662
0.992
0.672
0.992
0.682
0.889
0.589
0.888
0.598
0.887
0.607
0.897
0.597
0.896
0.606
0.895
0.615
0.905
0.605
0.904
0.614
0.903
0.623
0.913
0.613
0.912
0.622
0.911
0.631
0.921
0.621
0.920
0.630
0.920
0.640
0.929
0.629
0.928
0.638
0.928
0.648
0.937
0.637
0.936
0.646
0.936
0.656
0.945
0.645
0.944
0.654
0.944
0.664
0.953
0.653
0.952
0.662
0.952
0.672
0.961
0.661
0.960
0.670
0.960
0.680
0.968
0.668
0.968
0.678
0.968
0.688
0.976
0.676
0.976
0.686
0.976
0.696
0.984
0.684
0.984
0.694
0.984
0.704
0.992
0.692
0.992
0.702
0.992
0.712
0.886
0.616
0.885
0.625
0.884
0.634
0.894
0.624
0.893
0.633
0.892
0.642
0.902
0.632
0.902
0.642
0.901
0.651
0.911
0.641
0.910
0.650
0.909
0.659
0.919
0.649
0.918
0.658
0.917
0.667
0.927
0.657
0.926
0.666
0.925
0.675
0.935
0.665
0.934
0.674
0.934
0.684
0.943
0.673
0.943
0.683
0.942
0.692
0.951
0.681
0.951
0.691
0.950
0.700
0.959
0.689
0.959
0.699
0.959
0.709
0.967
0.697
0.967
0.707
0.967
0.717
0.976
0.706
0.975
0.715
0.975
0.725
0.984
0.714
0.984
0.724
0.983
0.733
0.992
0.722
0.992
0.732
0.992
0.742
0.883
0.643
0.882
0.652
0.881
0.661
0.891
0.651
0.890
0.660
0.889
0.669
0.900
0.660
0.899
0.669
0.898
0.678
0.908
0.668
0.907
0.677
0.906
0.686
0.916
0.676
0.916
0.686
0.915
0.695
0.925
0.685
0.924
0.694
0.923
0.703
0.933
0.693
0.933
0.703
0.932
0.712
0.942
0.702
0.941
0.711
0.940
0.720
0.950
0.710
0.949
0.719
0.949
0.729
0.958
0.718
0.958
0.728
0.957
0.737
0.967
0.727
0.966
0.736
0.966
0.746
0.975
0.735
0.975
0.745
0.974
0.754
0.983
0.743
0.983
0.753
0.983
0.763
0.992
0.752
0.992
0.762
0.991
0.771
0.880
0.670
0.879
0.679
0.878
0.688
0.888
0.678
0.888
0.688
0.887
0.697
0.897
0.687
0.896
0.696
0.895
0.705
0.906
0.696
0.905
0.705
0.904
0.714
0.914
0.704
0.913
0.713
0.913
0.723
0.923
0.713
0.922
0.722
0.921
0.731
0.931
0.721
0.931
0.731
0.930
0.740
0.940
0.730
0.939
0.739
0.939
0.749
0.949
0.739
0.948
0.748
0.948
0.758
0.957
0.747
0.957
0.757
0.956
0.766
0.966
0.756
0.965
0.765
0.965
0.775
0.974
0.764
0.974
0.774
0.974
0.784
0.983
0.773
0.983
0.783
0.983
0.793
0.991
0.781
0.991
0.791
0.991
0.801
0.877
0.697
0.876
0.706
0.875
0.715
0.886
0.706
0.885
0.715
0.884
0.724
0.894
0.714
0.894
0.724
0.893
0.733
0.903
0.723
0.902
0.732
0.902
0.742
0.912
0.732
0.911
0.741
0.911
0.751
0.921
0.741
0.920
0.750
0.920
0.760
0.930
0.750
0.929
0.759
0.928
0.768
0.938
0.758
0.938
0.768
0.937
0.777
0.947
0.767
0.947
0.777
0.946
0.786
0.956
0.776
0.956
0.786
0.955
0.795
0.965
0.785
0.965
0.795
0.964
0.804
0.974
0.794
0.973
0.803
0.973
0.813
0.982
0.802
0.982
0.812
0.982
0.822
0.991
0.811
0.991
0.821
0.991
0.831
0.874
0.724
0.873
0.733
0.872
0.742
0.883
0.733
0.882
0.742
0.881
0.751
0.892
0.742
0.891
0.751
0.890
0.760
0.901
0.751
0.900
0.760
0.899
0.769
0.910
0.760
0.909
0.769
0.908
0.778
0.919
0.769
0.918
0.778
0.918
0.788
0.928
0.778
0.927
0.787
0.927
0.797
0.937
0.787
0.936
0.796
0.936
0.806
0.946
0.796
0.945
0.805
0.945
0.815
0.955
0.805
0.955
0.815
0.954
0.824
0.964
0.814
0.964
0.824
0.963
0.833
0.973
0.823
0.973
0.833
0.973
0.843
0.982
0.832
0.982
0.842
0.982
0.852
0.991
0.841
0.991
0.851
0.991
0.861
0.871
0.751
0.870
0.760
0.869
0.769
0.880
0.760
0.879
0.769
0.878
0.778
0.889
0.769
0.888
0.778
0.888
0.788
0.898
0.778
0.898
0.788
0.897
0.797
0.908
0.788
0.907
0.797
0.906
0.806
0.917
0.797
0.916
0.806
0.916
0.816
0.926
0.806
0.926
0.816
0.925
0.825
0.935
0.815
0.935
0.825
0.934
0.834
0.945
0.825
0.944
0.834
0.944
0.844
0.954
0.834
0.954
0.844
0.953
0.853
0.963
0.843
0.963
0.853
0.963
0.863
0.972
0.852
0.972
0.862
0.972
0.872
0.982
0.862
0.981
0.871
0.981
0.881
0.991
0.871
0.991
0.881
0.991
0.891
64
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
0.91
Expected Unlimited Loss Group
91
92
93
94
0.915 0.925 0.934 0.943
0.825 0.835 0.844 0.853
0.914 0.924 0.933 0.943
0.834 0.844 0.853 0.863
0.914 0.924 0.933 0.943
0.844 0.854 0.863 0.873
86
0.868
0.778
0.867
0.787
0.867
0.797
87
0.877
0.787
0.876
0.796
0.876
0.806
88
0.887
0.797
0.886
0.806
0.886
0.816
89
0.896
0.806
0.895
0.815
0.895
0.825
90
0.906
0.816
0.905
0.825
0.905
0.835
0.866
0.806
0.865
0.815
0.864
0.824
0.875
0.815
0.874
0.824
0.874
0.834
0.885
0.825
0.884
0.834
0.883
0.843
0.895
0.835
0.894
0.844
0.893
0.853
0.904
0.844
0.903
0.853
0.903
0.863
0.914
0.854
0.913
0.863
0.912
0.872
0.923
0.863
0.923
0.873
0.922
0.882
0.933
0.873
0.932
0.882
0.932
0.892
0.863
0.833
0.862
0.842
0.861
0.851
0.873
0.843
0.872
0.852
0.871
0.861
0.882
0.852
0.882
0.862
0.881
0.871
0.892
0.862
0.892
0.872
0.891
0.881
0.902
0.872
0.901
0.881
0.901
0.891
0.912
0.882
0.911
0.891
0.911
0.901
0.922
0.892
0.921
0.901
0.921
0.911
1.00
1.01
1.02
1.03
1.04
1.05
0.860
0.859
0.858
0.857
0.856
0.855
0.870
0.869
0.868
0.867
0.866
0.865
0.880
0.879
0.878
0.877
0.876
0.875
0.890
0.889
0.888
0.888
0.887
0.886
0.900
0.899
0.899
0.898
0.897
0.896
0.910
0.909
0.909
0.908
0.907
0.907
1.06
1.07
1.08
1.09
1.10
0.854
0.853
0.852
0.851
0.850
0.864
0.863
0.863
0.862
0.861
0.875
0.874
0.873
0.872
0.872
0.885
0.884
0.884
0.883
0.882
0.896
0.895
0.894
0.894
0.893
1.11
1.12
1.13
1.14
1.15
0.849
0.848
0.848
0.847
0.846
0.860
0.859
0.859
0.858
0.857
0.871
0.870
0.869
0.869
0.868
0.882
0.881
0.880
0.880
0.879
1.16
1.17
1.18
1.19
1.20
0.846
0.845
0.844
0.843
0.842
0.857
0.856
0.855
0.854
0.854
0.868
0.867
0.866
0.866
0.865
1.21
1.22
1.23
1.24
1.25
0.842
0.841
0.840
0.839
0.838
0.853
0.852
0.851
0.851
0.850
1.26
1.27
1.28
1.29
1.30
0.838
0.837
0.836
0.835
0.834
1.31
1.32
1.33
1.34
1.35
1.36
1.37
1.38
1.39
1.40
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
95
0.953
0.863
0.952
0.872
0.952
0.882
96
0.962
0.872
0.962
0.882
0.962
0.892
97
0.972
0.882
0.971
0.891
0.971
0.901
98
0.981
0.891
0.981
0.901
0.981
0.911
99
0.991
0.901
0.990
0.910
0.990
0.920
0.943
0.883
0.942
0.892
0.942
0.902
0.952
0.892
0.952
0.902
0.951
0.911
0.962
0.902
0.961
0.911
0.961
0.921
0.971
0.911
0.971
0.921
0.971
0.931
0.981
0.921
0.981
0.931
0.981
0.941
0.990
0.930
0.990
0.940
0.990
0.950
0.931
0.901
0.931
0.911
0.930
0.920
0.941
0.911
0.941
0.921
0.940
0.930
0.951
0.921
0.951
0.931
0.950
0.940
0.961
0.931
0.961
0.941
0.960
0.950
0.971
0.941
0.970
0.950
0.970
0.960
0.980
0.950
0.980
0.960
0.980
0.970
0.990
0.960
0.990
0.970
0.990
0.980
0.920
0.919
0.919
0.918
0.917
0.917
0.930
0.929
0.929
0.929
0.928
0.927
0.940
0.940
0.939
0.939
0.938
0.938
0.950
0.950
0.949
0.949
0.948
0.948
0.960
0.960
0.959
0.959
0.959
0.958
0.970
0.970
0.970
0.969
0.969
0.969
0.980
0.980
0.980
0.980
0.979
0.979
0.990
0.990
0.990
0.990
0.990
0.990
0.906
0.905
0.905
0.904
0.904
0.916
0.916
0.915
0.915
0.914
0.927
0.926
0.926
0.926
0.925
0.937
0.937
0.937
0.936
0.936
0.948
0.947
0.947
0.947
0.947
0.958
0.958
0.958
0.957
0.957
0.969
0.968
0.968
0.968
0.968
0.979
0.979
0.979
0.979
0.979
0.990
0.989
0.989
0.989
0.989
0.892
0.892
0.891
0.891
0.890
0.903
0.903
0.902
0.902
0.901
0.914
0.913
0.913
0.913
0.912
0.925
0.924
0.924
0.924
0.923
0.935
0.935
0.935
0.935
0.934
0.946
0.946
0.946
0.945
0.945
0.957
0.957
0.956
0.956
0.956
0.968
0.968
0.967
0.967
0.967
0.978
0.978
0.978
0.978
0.978
0.989
0.989
0.989
0.989
0.989
0.879
0.878
0.877
0.877
0.876
0.890
0.889
0.889
0.888
0.887
0.901
0.900
0.900
0.899
0.899
0.912
0.911
0.911
0.910
0.910
0.923
0.922
0.922
0.922
0.921
0.934
0.933
0.933
0.933
0.932
0.945
0.945
0.944
0.944
0.944
0.956
0.956
0.955
0.955
0.955
0.967
0.967
0.967
0.966
0.966
0.978
0.978
0.978
0.978
0.977
0.989
0.989
0.989
0.989
0.989
0.864
0.863
0.863
0.862
0.861
0.875
0.875
0.874
0.874
0.873
0.887
0.886
0.886
0.885
0.885
0.898
0.898
0.897
0.897
0.896
0.909
0.909
0.909
0.908
0.908
0.921
0.920
0.920
0.920
0.919
0.932
0.932
0.931
0.931
0.931
0.943
0.943
0.943
0.943
0.942
0.955
0.954
0.954
0.954
0.954
0.966
0.966
0.966
0.966
0.965
0.977
0.977
0.977
0.977
0.977
0.989
0.989
0.989
0.989
0.988
0.849
0.848
0.848
0.847
0.846
0.861
0.860
0.859
0.859
0.858
0.872
0.872
0.871
0.871
0.870
0.884
0.883
0.883
0.882
0.882
0.896
0.895
0.895
0.894
0.894
0.907
0.907
0.906
0.906
0.905
0.919
0.918
0.918
0.918
0.917
0.930
0.930
0.930
0.929
0.929
0.942
0.942
0.941
0.941
0.941
0.954
0.953
0.953
0.953
0.953
0.965
0.965
0.965
0.965
0.965
0.977
0.977
0.977
0.976
0.976
0.988
0.988
0.988
0.988
0.988
0.834
0.833
0.832
0.831
0.831
0.846
0.845
0.844
0.844
0.843
0.857
0.857
0.856
0.856
0.855
0.869
0.869
0.868
0.868
0.867
0.881
0.881
0.880
0.880
0.879
0.893
0.893
0.892
0.892
0.891
0.905
0.905
0.904
0.904
0.903
0.917
0.916
0.916
0.916
0.915
0.929
0.928
0.928
0.928
0.927
0.941
0.940
0.940
0.940
0.940
0.952
0.952
0.952
0.952
0.952
0.964
0.964
0.964
0.964
0.964
0.976
0.976
0.976
0.976
0.976
0.988
0.988
0.988
0.988
0.988
0.830
0.829
0.829
0.828
0.827
0.842
0.841
0.841
0.840
0.839
0.854
0.854
0.853
0.852
0.852
0.866
0.866
0.865
0.865
0.864
0.879
0.878
0.878
0.877
0.877
0.891
0.890
0.890
0.889
0.889
0.903
0.902
0.902
0.902
0.901
0.915
0.915
0.914
0.914
0.914
0.927
0.927
0.927
0.926
0.926
0.939
0.939
0.939
0.939
0.938
0.951
0.951
0.951
0.951
0.951
0.964
0.963
0.963
0.963
0.963
0.976
0.976
0.976
0.975
0.975
0.988
0.988
0.988
0.988
0.988
65
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
86
0.826
0.826
0.825
0.824
0.824
87
0.839
0.838
0.837
0.837
0.836
88
0.851
0.851
0.850
0.849
0.849
89
0.864
0.863
0.862
0.862
0.861
90
0.876
0.875
0.875
0.874
0.874
Expected Unlimited Loss Group
91
92
93
94
0.888 0.901 0.913 0.926
0.888 0.900 0.913 0.925
0.887 0.900 0.912 0.925
0.887 0.900 0.912 0.925
0.887 0.899 0.912 0.924
1.46
1.47
1.48
1.49
1.50
0.823
0.822
0.822
0.821
0.820
0.836
0.835
0.834
0.834
0.833
0.848
0.848
0.847
0.846
0.846
0.861
0.860
0.860
0.859
0.859
0.874
0.873
0.873
0.872
0.872
0.886
0.886
0.885
0.885
0.884
0.899
0.898
0.898
0.898
0.897
0.911
0.911
0.911
0.910
0.910
1.51
1.52
1.53
1.54
1.55
0.820
0.819
0.818
0.818
0.817
0.832
0.832
0.831
0.831
0.830
0.845
0.845
0.844
0.844
0.843
0.858
0.858
0.857
0.857
0.856
0.871
0.871
0.870
0.870
0.869
0.884
0.884
0.883
0.883
0.882
0.897
0.896
0.896
0.896
0.895
1.56
1.57
1.58
1.59
1.60
0.816
0.816
0.815
0.814
0.814
0.829
0.829
0.828
0.828
0.827
0.842
0.842
0.841
0.841
0.840
0.856
0.855
0.855
0.854
0.854
0.869
0.868
0.868
0.867
0.867
0.882
0.881
0.881
0.881
0.880
1.61
1.62
1.63
1.64
1.65
0.813
0.812
0.812
0.811
0.811
0.826
0.826
0.825
0.825
0.824
0.840
0.839
0.839
0.838
0.838
0.853
0.853
0.852
0.852
0.851
0.866
0.866
0.866
0.865
0.865
1.66
1.67
1.68
1.69
1.70
0.810
0.809
0.809
0.808
0.808
0.824
0.823
0.822
0.822
0.821
0.837
0.837
0.836
0.836
0.835
0.851
0.850
0.850
0.849
0.849
1.71
1.72
1.73
1.74
1.75
0.807
0.806
0.806
0.805
0.805
0.821
0.820
0.820
0.819
0.819
0.835
0.834
0.833
0.833
0.832
1.76
1.77
1.78
1.79
1.80
0.804
0.803
0.803
0.802
0.802
0.818
0.817
0.817
0.816
0.816
1.81
1.82
1.83
1.84
1.85
0.801
0.801
0.800
0.799
0.799
1.86
1.87
1.88
1.89
1.90
95
0.938
0.938
0.937
0.937
0.937
96
0.950
0.950
0.950
0.950
0.950
97
0.963
0.963
0.962
0.962
0.962
98
0.975
0.975
0.975
0.975
0.975
99
0.988
0.988
0.987
0.987
0.987
0.924
0.924
0.924
0.923
0.923
0.937
0.937
0.936
0.936
0.936
0.949
0.949
0.949
0.949
0.949
0.962
0.962
0.962
0.962
0.961
0.975
0.975
0.975
0.974
0.974
0.987
0.987
0.987
0.987
0.987
0.910
0.909
0.909
0.909
0.908
0.923
0.922
0.922
0.922
0.922
0.936
0.935
0.935
0.935
0.935
0.948
0.948
0.948
0.948
0.948
0.961
0.961
0.961
0.961
0.961
0.974
0.974
0.974
0.974
0.974
0.987
0.987
0.987
0.987
0.987
0.895
0.895
0.894
0.894
0.894
0.908
0.908
0.907
0.907
0.907
0.921
0.921
0.921
0.920
0.920
0.934
0.934
0.934
0.934
0.933
0.947
0.947
0.947
0.947
0.947
0.961
0.960
0.960
0.960
0.960
0.974
0.974
0.974
0.973
0.973
0.987
0.987
0.987
0.987
0.987
0.880
0.879
0.879
0.879
0.878
0.893
0.893
0.892
0.892
0.892
0.907
0.906
0.906
0.906
0.905
0.920
0.920
0.919
0.919
0.919
0.933
0.933
0.933
0.933
0.932
0.947
0.946
0.946
0.946
0.946
0.960
0.960
0.960
0.960
0.959
0.973
0.973
0.973
0.973
0.973
0.987
0.987
0.987
0.987
0.986
0.864
0.864
0.863
0.863
0.863
0.878
0.877
0.877
0.877
0.876
0.891
0.891
0.891
0.890
0.890
0.905
0.905
0.904
0.904
0.904
0.919
0.918
0.918
0.918
0.918
0.932
0.932
0.932
0.931
0.931
0.946
0.946
0.945
0.945
0.945
0.959
0.959
0.959
0.959
0.959
0.973
0.973
0.973
0.973
0.973
0.986
0.986
0.986
0.986
0.986
0.848
0.848
0.847
0.847
0.846
0.862
0.862
0.861
0.861
0.860
0.876
0.875
0.875
0.875
0.874
0.890
0.889
0.889
0.889
0.888
0.903
0.903
0.903
0.903
0.902
0.917
0.917
0.917
0.916
0.916
0.931
0.931
0.931
0.930
0.930
0.945
0.945
0.944
0.944
0.944
0.959
0.958
0.958
0.958
0.958
0.972
0.972
0.972
0.972
0.972
0.986
0.986
0.986
0.986
0.986
0.832
0.832
0.831
0.831
0.830
0.846
0.846
0.845
0.845
0.844
0.860
0.860
0.859
0.859
0.858
0.874
0.874
0.873
0.873
0.873
0.888
0.888
0.887
0.887
0.887
0.902
0.902
0.901
0.901
0.901
0.916
0.916
0.916
0.915
0.915
0.930
0.930
0.930
0.929
0.929
0.944
0.944
0.944
0.944
0.943
0.958
0.958
0.958
0.958
0.958
0.972
0.972
0.972
0.972
0.972
0.986
0.986
0.986
0.986
0.986
0.815
0.815
0.814
0.814
0.813
0.830
0.829
0.829
0.828
0.828
0.844
0.843
0.843
0.842
0.842
0.858
0.858
0.857
0.857
0.856
0.872
0.872
0.871
0.871
0.871
0.886
0.886
0.886
0.885
0.885
0.901
0.900
0.900
0.900
0.899
0.915
0.915
0.914
0.914
0.914
0.929
0.929
0.929
0.928
0.928
0.943
0.943
0.943
0.943
0.943
0.957
0.957
0.957
0.957
0.957
0.972
0.972
0.971
0.971
0.971
0.986
0.986
0.986
0.986
0.986
0.798
0.798
0.797
0.797
0.796
0.813
0.812
0.812
0.811
0.811
0.827
0.827
0.826
0.826
0.825
0.842
0.841
0.841
0.840
0.840
0.856
0.856
0.855
0.855
0.854
0.870
0.870
0.870
0.869
0.869
0.885
0.884
0.884
0.884
0.884
0.899
0.899
0.899
0.898
0.898
0.914
0.913
0.913
0.913
0.913
0.928
0.928
0.928
0.927
0.927
0.942
0.942
0.942
0.942
0.942
0.957
0.957
0.957
0.956
0.956
0.971
0.971
0.971
0.971
0.971
0.986
0.986
0.986
0.985
0.985
1.91
1.92
1.93
1.94
1.95
0.796
0.795
0.795
0.794
0.794
0.810
0.810
0.809
0.809
0.808
0.825
0.824
0.824
0.824
0.823
0.839
0.839
0.839
0.838
0.838
0.854
0.854
0.853
0.853
0.853
0.869
0.868
0.868
0.868
0.867
0.883
0.883
0.883
0.882
0.882
0.898
0.898
0.897
0.897
0.897
0.912
0.912
0.912
0.912
0.912
0.927
0.927
0.927
0.926
0.926
0.942
0.941
0.941
0.941
0.941
0.956
0.956
0.956
0.956
0.956
0.971
0.971
0.971
0.971
0.971
0.985
0.985
0.985
0.985
0.985
1.96
1.97
1.98
1.99
2.00
0.793
0.793
0.792
0.792
0.791
0.808
0.807
0.807
0.806
0.806
0.823
0.822
0.822
0.821
0.821
0.837
0.837
0.837
0.836
0.836
0.852
0.852
0.851
0.851
0.851
0.867
0.867
0.866
0.866
0.866
0.882
0.881
0.881
0.881
0.881
0.897
0.896
0.896
0.896
0.896
0.911
0.911
0.911
0.911
0.910
0.926
0.926
0.926
0.926
0.925
0.941
0.941
0.941
0.940
0.940
0.956
0.956
0.955
0.955
0.955
0.970
0.970
0.970
0.970
0.970
0.985
0.985
0.985
0.985
0.985
66
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
86
0.791
0.790
0.790
0.789
0.789
87
0.806
0.805
0.805
0.804
0.804
88
0.820
0.820
0.820
0.819
0.819
89
0.835
0.835
0.835
0.834
0.834
90
0.850
0.850
0.850
0.849
0.849
Expected Unlimited Loss Group
91
92
93
94
0.865 0.880 0.895 0.910
0.865 0.880 0.895 0.910
0.865 0.880 0.895 0.910
0.864 0.879 0.895 0.910
0.864 0.879 0.894 0.909
2.06
2.07
2.08
2.09
2.10
0.788
0.788
0.787
0.787
0.786
0.803
0.803
0.802
0.802
0.801
0.818
0.818
0.818
0.817
0.817
0.833
0.833
0.833
0.832
0.832
0.849
0.848
0.848
0.848
0.847
0.864
0.863
0.863
0.863
0.863
0.879
0.879
0.878
0.878
0.878
0.894
0.894
0.894
0.893
0.893
2.11
2.12
2.13
2.14
2.15
0.786
0.785
0.785
0.784
0.784
0.801
0.801
0.800
0.800
0.799
0.816
0.816
0.815
0.815
0.815
0.832
0.831
0.831
0.831
0.830
0.847
0.847
0.846
0.846
0.846
0.862
0.862
0.862
0.861
0.861
0.878
0.877
0.877
0.877
0.876
2.16
2.17
2.18
2.19
2.20
0.783
0.783
0.782
0.782
0.782
0.799
0.798
0.798
0.798
0.797
0.814
0.814
0.814
0.813
0.813
0.830
0.829
0.829
0.829
0.828
0.845
0.845
0.845
0.844
0.844
0.861
0.860
0.860
0.860
0.860
2.21
2.22
2.23
2.24
2.25
0.781
0.781
0.780
0.780
0.779
0.797
0.796
0.796
0.795
0.795
0.812
0.812
0.812
0.811
0.811
0.828
0.828
0.827
0.827
0.827
0.844
0.843
0.843
0.843
0.842
2.26
2.27
2.28
2.29
2.30
0.779
0.778
0.778
0.778
0.777
0.795
0.794
0.794
0.793
0.793
0.810
0.810
0.810
0.809
0.809
0.826
0.826
0.826
0.825
0.825
2.31
2.32
2.33
2.34
2.35
0.777
0.776
0.776
0.775
0.775
0.793
0.792
0.792
0.791
0.791
0.809
0.808
0.808
0.807
0.807
2.36
2.37
2.38
2.39
2.40
0.775
0.774
0.774
0.773
0.773
0.791
0.790
0.790
0.789
0.789
2.41
2.42
2.43
2.44
2.45
0.772
0.772
0.772
0.771
0.771
2.46
2.47
2.48
2.49
2.50
95
0.925
0.925
0.925
0.925
0.924
96
0.940
0.940
0.940
0.940
0.940
97
0.955
0.955
0.955
0.955
0.955
98
0.970
0.970
0.970
0.970
0.970
99
0.985
0.985
0.985
0.985
0.985
0.909
0.909
0.909
0.909
0.908
0.924
0.924
0.924
0.924
0.924
0.939
0.939
0.939
0.939
0.939
0.955
0.954
0.954
0.954
0.954
0.970
0.970
0.970
0.970
0.969
0.985
0.985
0.985
0.985
0.985
0.893
0.893
0.892
0.892
0.892
0.908
0.908
0.908
0.908
0.907
0.923
0.923
0.923
0.923
0.923
0.939
0.939
0.938
0.938
0.938
0.954
0.954
0.954
0.954
0.954
0.969
0.969
0.969
0.969
0.969
0.985
0.985
0.985
0.985
0.985
0.876
0.876
0.876
0.875
0.875
0.892
0.891
0.891
0.891
0.891
0.907
0.907
0.907
0.907
0.906
0.923
0.922
0.922
0.922
0.922
0.938
0.938
0.938
0.938
0.938
0.954
0.953
0.953
0.953
0.953
0.969
0.969
0.969
0.969
0.969
0.985
0.984
0.984
0.984
0.984
0.859
0.859
0.859
0.858
0.858
0.875
0.875
0.874
0.874
0.874
0.891
0.890
0.890
0.890
0.890
0.906
0.906
0.906
0.906
0.905
0.922
0.922
0.921
0.921
0.921
0.937
0.937
0.937
0.937
0.937
0.953
0.953
0.953
0.953
0.953
0.969
0.969
0.969
0.969
0.968
0.984
0.984
0.984
0.984
0.984
0.842
0.842
0.841
0.841
0.841
0.858
0.858
0.857
0.857
0.857
0.874
0.873
0.873
0.873
0.873
0.889
0.889
0.889
0.889
0.889
0.905
0.905
0.905
0.905
0.904
0.921
0.921
0.921
0.921
0.920
0.937
0.937
0.937
0.936
0.936
0.953
0.953
0.952
0.952
0.952
0.968
0.968
0.968
0.968
0.968
0.984
0.984
0.984
0.984
0.984
0.825
0.824
0.824
0.824
0.823
0.840
0.840
0.840
0.840
0.839
0.856
0.856
0.856
0.856
0.855
0.872
0.872
0.872
0.872
0.871
0.888
0.888
0.888
0.888
0.887
0.904
0.904
0.904
0.904
0.904
0.920
0.920
0.920
0.920
0.920
0.936
0.936
0.936
0.936
0.936
0.952
0.952
0.952
0.952
0.952
0.968
0.968
0.968
0.968
0.968
0.984
0.984
0.984
0.984
0.984
0.807
0.806
0.806
0.806
0.805
0.823
0.823
0.822
0.822
0.822
0.839
0.839
0.838
0.838
0.838
0.855
0.855
0.855
0.854
0.854
0.871
0.871
0.871
0.870
0.870
0.887
0.887
0.887
0.887
0.886
0.903
0.903
0.903
0.903
0.903
0.919
0.919
0.919
0.919
0.919
0.936
0.935
0.935
0.935
0.935
0.952
0.952
0.952
0.951
0.951
0.968
0.968
0.968
0.968
0.968
0.984
0.984
0.984
0.984
0.984
0.789
0.788
0.788
0.788
0.787
0.805
0.805
0.804
0.804
0.804
0.821
0.821
0.821
0.820
0.820
0.837
0.837
0.837
0.837
0.836
0.854
0.853
0.853
0.853
0.853
0.870
0.870
0.870
0.869
0.869
0.886
0.886
0.886
0.886
0.885
0.902
0.902
0.902
0.902
0.902
0.919
0.919
0.918
0.918
0.918
0.935
0.935
0.935
0.935
0.935
0.951
0.951
0.951
0.951
0.951
0.967
0.967
0.967
0.967
0.967
0.984
0.984
0.984
0.984
0.984
0.770
0.770
0.770
0.769
0.769
0.787
0.786
0.786
0.786
0.785
0.803
0.803
0.803
0.802
0.802
0.820
0.819
0.819
0.819
0.818
0.836
0.836
0.835
0.835
0.835
0.852
0.852
0.852
0.852
0.851
0.869
0.869
0.868
0.868
0.868
0.885
0.885
0.885
0.885
0.884
0.902
0.901
0.901
0.901
0.901
0.918
0.918
0.918
0.918
0.917
0.934
0.934
0.934
0.934
0.934
0.951
0.951
0.951
0.951
0.950
0.967
0.967
0.967
0.967
0.967
0.984
0.984
0.984
0.984
0.983
2.51
2.52
2.53
2.54
2.55
0.768
0.768
0.768
0.767
0.767
0.785
0.785
0.784
0.784
0.784
0.802
0.801
0.801
0.801
0.800
0.818
0.818
0.817
0.817
0.817
0.835
0.834
0.834
0.834
0.833
0.851
0.851
0.851
0.850
0.850
0.868
0.867
0.867
0.867
0.867
0.884
0.884
0.884
0.884
0.883
0.901
0.901
0.900
0.900
0.900
0.917
0.917
0.917
0.917
0.917
0.934
0.934
0.934
0.934
0.933
0.950
0.950
0.950
0.950
0.950
0.967
0.967
0.967
0.967
0.967
0.983
0.983
0.983
0.983
0.983
2.56
2.57
2.58
2.59
2.60
0.766
0.766
0.766
0.765
0.765
0.783
0.783
0.782
0.782
0.782
0.800
0.800
0.799
0.799
0.799
0.817
0.816
0.816
0.816
0.815
0.833
0.833
0.833
0.832
0.832
0.850
0.850
0.849
0.849
0.849
0.867
0.866
0.866
0.866
0.866
0.883
0.883
0.883
0.883
0.882
0.900
0.900
0.900
0.899
0.899
0.917
0.916
0.916
0.916
0.916
0.933
0.933
0.933
0.933
0.933
0.950
0.950
0.950
0.950
0.950
0.967
0.967
0.967
0.966
0.966
0.983
0.983
0.983
0.983
0.983
67
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table M – Table of Pure Unlimited Loss Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
86
0.765
0.764
0.764
0.763
0.763
87
0.781
0.781
0.781
0.780
0.780
88
0.798
0.798
0.798
0.797
0.797
89
0.815
0.815
0.814
0.814
0.814
90
0.832
0.832
0.831
0.831
0.831
Expected Unlimited Loss Group
91
92
93
94
0.849 0.865 0.882 0.899
0.848 0.865 0.882 0.899
0.848 0.865 0.882 0.899
0.848 0.865 0.882 0.899
0.848 0.865 0.882 0.898
2.66
2.67
2.68
2.69
2.70
0.763
0.762
0.762
0.762
0.761
0.780
0.779
0.779
0.779
0.778
0.797
0.796
0.796
0.796
0.795
0.814
0.813
0.813
0.813
0.812
0.831
0.830
0.830
0.830
0.829
0.847
0.847
0.847
0.847
0.847
0.864
0.864
0.864
0.864
0.864
0.881
0.881
0.881
0.881
0.881
2.71
2.72
2.73
2.74
2.75
0.761
0.761
0.760
0.760
0.759
0.778
0.778
0.777
0.777
0.777
0.795
0.795
0.794
0.794
0.794
0.812
0.812
0.812
0.811
0.811
0.829
0.829
0.829
0.828
0.828
0.846
0.846
0.846
0.846
0.845
0.863
0.863
0.863
0.863
0.863
2.76
2.77
2.78
2.79
2.80
0.759
0.759
0.758
0.758
0.758
0.776
0.776
0.776
0.775
0.775
0.794
0.793
0.793
0.793
0.792
0.811
0.810
0.810
0.810
0.810
0.828
0.828
0.827
0.827
0.827
0.845
0.845
0.845
0.844
0.844
2.81
2.82
2.83
2.84
2.85
0.757
0.757
0.757
0.756
0.756
0.775
0.774
0.774
0.774
0.773
0.792
0.792
0.791
0.791
0.791
0.809
0.809
0.809
0.809
0.808
0.827
0.826
0.826
0.826
0.826
2.86
2.87
2.88
2.89
2.90
0.756
0.754
0.754
0.754
0.753
0.773
0.772
0.772
0.771
0.771
0.791
0.789
0.789
0.789
0.789
0.808
0.807
0.807
0.806
0.806
2.91
2.92
2.93
2.94
2.95
0.753
0.753
0.752
0.752
0.752
0.771
0.770
0.770
0.770
0.769
0.788
0.788
0.788
0.787
0.787
2.96
2.97
2.98
2.99
3.00
0.751
0.751
0.751
0.751
0.750
0.769
0.769
0.769
0.769
0.768
0.787
0.787
0.787
0.786
0.786
95
0.916
0.916
0.916
0.916
0.915
96
0.933
0.933
0.933
0.932
0.932
97
0.950
0.949
0.949
0.949
0.949
98
0.966
0.966
0.966
0.966
0.966
99
0.983
0.983
0.983
0.983
0.983
0.898
0.898
0.898
0.898
0.898
0.915
0.915
0.915
0.915
0.915
0.932
0.932
0.932
0.932
0.932
0.949
0.949
0.949
0.949
0.949
0.966
0.966
0.966
0.966
0.966
0.983
0.983
0.983
0.983
0.983
0.880
0.880
0.880
0.880
0.880
0.898
0.897
0.897
0.897
0.897
0.915
0.914
0.914
0.914
0.914
0.932
0.932
0.931
0.931
0.931
0.949
0.949
0.949
0.949
0.948
0.966
0.966
0.966
0.966
0.966
0.983
0.983
0.983
0.983
0.983
0.862
0.862
0.862
0.862
0.862
0.880
0.879
0.879
0.879
0.879
0.897
0.897
0.896
0.896
0.896
0.914
0.914
0.914
0.914
0.913
0.931
0.931
0.931
0.931
0.931
0.948
0.948
0.948
0.948
0.948
0.966
0.966
0.965
0.965
0.965
0.983
0.983
0.983
0.983
0.983
0.844
0.844
0.844
0.843
0.843
0.861
0.861
0.861
0.861
0.861
0.879
0.879
0.878
0.878
0.878
0.896
0.896
0.896
0.896
0.895
0.913
0.913
0.913
0.913
0.913
0.931
0.931
0.930
0.930
0.930
0.948
0.948
0.948
0.948
0.948
0.965
0.965
0.965
0.965
0.965
0.983
0.983
0.983
0.983
0.983
0.826
0.825
0.824
0.824
0.824
0.843
0.842
0.842
0.842
0.841
0.860
0.860
0.859
0.859
0.859
0.878
0.877
0.877
0.877
0.877
0.895
0.895
0.895
0.894
0.894
0.913
0.912
0.912
0.912
0.912
0.930
0.930
0.930
0.930
0.930
0.948
0.947
0.947
0.947
0.947
0.965
0.965
0.965
0.965
0.965
0.983
0.982
0.982
0.982
0.982
0.806
0.806
0.805
0.805
0.805
0.824
0.823
0.823
0.823
0.823
0.841
0.841
0.841
0.841
0.840
0.859
0.859
0.859
0.858
0.858
0.877
0.876
0.876
0.876
0.876
0.894
0.894
0.894
0.894
0.894
0.912
0.912
0.912
0.911
0.911
0.929
0.929
0.929
0.929
0.929
0.947
0.947
0.947
0.947
0.947
0.965
0.965
0.965
0.965
0.965
0.982
0.982
0.982
0.982
0.982
0.805
0.805
0.804
0.804
0.804
0.822
0.822
0.822
0.822
0.822
0.840
0.840
0.840
0.840
0.840
0.858
0.858
0.858
0.858
0.857
0.876
0.876
0.876
0.875
0.875
0.893
0.893
0.893
0.893
0.893
0.911
0.911
0.911
0.911
0.911
0.929
0.929
0.929
0.929
0.929
0.947
0.947
0.947
0.947
0.947
0.964
0.964
0.964
0.964
0.964
0.982
0.982
0.982
0.982
0.982
68
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.990 0.990 0.990 0.990 0.990
0.000 0.000 0.000 0.000 0.000
0.980 0.980 0.980 0.980 0.980
0.000 0.000 0.000 0.000 0.000
0.970 0.970 0.970 0.970 0.970
0.000 0.000 0.000 0.000 0.000
17
0.990
0.000
0.980
0.000
0.970
0.000
18
0.990
0.000
0.980
0.000
0.970
0.000
19
0.990
0.000
0.980
0.000
0.970
0.000
20
0.990
0.000
0.980
0.000
0.970
0.000
21
0.990
0.000
0.980
0.000
0.970
0.000
22
0.990
0.000
0.980
0.000
0.970
0.000
28
0.990
0.000
0.980
0.000
0.970
0.000
29
0.990
0.000
0.980
0.000
0.970
0.000
30
0.990
0.000
0.980
0.000
0.970
0.000
31
0.990
0.000
0.980
0.000
0.970
0.000
32
0.990
0.000
0.980
0.000
0.970
0.000
33
0.990
0.000
0.980
0.000
0.970
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.940
0.000
0.960
0.000
0.950
0.000
0.941
0.001
0.960
0.000
0.951
0.001
0.941
0.001
0.960
0.000
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.941
0.001
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.910
0.000
0.930
0.000
0.920
0.000
0.911
0.001
0.930
0.000
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.911
0.001
0.931
0.001
0.921
0.001
0.912
0.002
0.931
0.001
0.922
0.002
0.912
0.002
0.900
0.000
0.890
0.000
0.881
0.001
0.900
0.000
0.890
0.000
0.881
0.001
0.900
0.000
0.891
0.001
0.881
0.001
0.900
0.000
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.891
0.001
0.881
0.001
0.901
0.001
0.892
0.002
0.882
0.002
0.902
0.002
0.892
0.002
0.882
0.002
0.902
0.002
0.892
0.002
0.882
0.002
0.902
0.002
0.892
0.002
0.883
0.003
0.902
0.002
0.893
0.003
0.883
0.003
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.861
0.001
0.851
0.001
0.871
0.001
0.862
0.002
0.852
0.002
0.872
0.002
0.862
0.002
0.852
0.002
0.872
0.002
0.862
0.002
0.853
0.003
0.873
0.003
0.863
0.003
0.853
0.003
0.873
0.003
0.863
0.003
0.854
0.004
0.873
0.003
0.864
0.004
0.854
0.004
0.874
0.004
0.864
0.004
0.855
0.005
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.821
0.001
0.841
0.001
0.831
0.001
0.822
0.002
0.841
0.001
0.832
0.002
0.822
0.002
0.841
0.001
0.832
0.002
0.822
0.002
0.841
0.001
0.832
0.002
0.822
0.002
0.842
0.002
0.832
0.002
0.822
0.002
0.842
0.002
0.832
0.002
0.823
0.003
0.843
0.003
0.833
0.003
0.823
0.003
0.843
0.003
0.834
0.004
0.824
0.004
0.844
0.004
0.834
0.004
0.825
0.005
0.844
0.004
0.835
0.005
0.826
0.006
0.845
0.005
0.836
0.006
0.826
0.006
0.846
0.006
0.836
0.006
0.827
0.007
0.811
0.001
0.801
0.001
0.791
0.001
0.811
0.001
0.801
0.001
0.792
0.002
0.811
0.001
0.802
0.002
0.792
0.002
0.811
0.001
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.792
0.002
0.812
0.002
0.802
0.002
0.793
0.003
0.812
0.002
0.803
0.003
0.793
0.003
0.813
0.003
0.803
0.003
0.793
0.003
0.813
0.003
0.803
0.003
0.794
0.004
0.814
0.004
0.804
0.004
0.795
0.005
0.815
0.005
0.805
0.005
0.796
0.006
0.816
0.006
0.806
0.006
0.797
0.007
0.816
0.006
0.807
0.007
0.798
0.008
0.817
0.007
0.808
0.008
0.799
0.009
0.818
0.008
0.809
0.009
0.800
0.010
0.782
0.002
0.772
0.002
0.762
0.002
0.782
0.002
0.772
0.002
0.762
0.002
0.782
0.002
0.772
0.002
0.762
0.002
0.782
0.002
0.772
0.002
0.763
0.003
0.782
0.002
0.772
0.002
0.763
0.003
0.782
0.002
0.773
0.003
0.763
0.003
0.783
0.003
0.773
0.003
0.763
0.003
0.783
0.003
0.773
0.003
0.764
0.004
0.783
0.003
0.774
0.004
0.764
0.004
0.784
0.004
0.774
0.004
0.765
0.005
0.784
0.004
0.775
0.005
0.765
0.005
0.785
0.005
0.776
0.006
0.767
0.007
0.787
0.007
0.777
0.007
0.768
0.008
0.788
0.008
0.778
0.008
0.769
0.009
0.789
0.009
0.780
0.010
0.771
0.011
0.790
0.010
0.781
0.011
0.772
0.012
0.791
0.011
0.782
0.012
0.773
0.013
0.752
0.002
0.742
0.002
0.732
0.002
0.752
0.002
0.742
0.002
0.733
0.003
0.753
0.003
0.743
0.003
0.733
0.003
0.753
0.003
0.743
0.003
0.733
0.003
0.753
0.003
0.743
0.003
0.734
0.004
0.753
0.003
0.744
0.004
0.734
0.004
0.754
0.004
0.744
0.004
0.735
0.005
0.754
0.004
0.745
0.005
0.735
0.005
0.755
0.005
0.745
0.005
0.736
0.006
0.755
0.005
0.746
0.006
0.737
0.007
0.756
0.006
0.747
0.007
0.738
0.008
0.757
0.007
0.748
0.008
0.739
0.009
0.759
0.009
0.750
0.010
0.741
0.011
0.760
0.010
0.751
0.011
0.742
0.012
0.762
0.012
0.753
0.013
0.744
0.014
0.763
0.013
0.754
0.014
0.746
0.016
0.765
0.015
0.756
0.016
0.747
0.017
0.722
0.002
0.713
0.003
0.703
0.003
0.723
0.003
0.713
0.003
0.703
0.003
0.723
0.003
0.714
0.004
0.704
0.004
0.724
0.004
0.714
0.004
0.704
0.004
0.724
0.004
0.714
0.004
0.705
0.005
0.725
0.005
0.715
0.005
0.705
0.005
0.725
0.005
0.716
0.006
0.706
0.006
0.726
0.006
0.716
0.006
0.707
0.007
0.726
0.006
0.717
0.007
0.708
0.008
0.727
0.007
0.718
0.008
0.709
0.009
0.728
0.008
0.719
0.009
0.710
0.010
0.730
0.010
0.721
0.011
0.712
0.012
0.732
0.012
0.723
0.013
0.714
0.014
0.733
0.013
0.725
0.015
0.716
0.016
0.735
0.015
0.726
0.016
0.718
0.018
0.737
0.017
0.728
0.018
0.720
0.020
0.739
0.019
0.730
0.020
0.722
0.022
69
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.697 0.698 0.699 0.700 0.701
0.007 0.008 0.009 0.010 0.011
0.687 0.688 0.689 0.691 0.692
0.007 0.008 0.009 0.011 0.012
0.678 0.679 0.680 0.682 0.683
0.008 0.009 0.010 0.012 0.013
17
0.693
0.003
0.683
0.003
0.674
0.004
18
0.694
0.004
0.684
0.004
0.674
0.004
19
0.694
0.004
0.685
0.005
0.675
0.005
20
0.695
0.005
0.685
0.005
0.676
0.006
21
0.695
0.005
0.686
0.006
0.676
0.006
22
0.696
0.006
0.687
0.007
0.677
0.007
28
0.703
0.013
0.694
0.014
0.685
0.015
29
0.705
0.015
0.696
0.016
0.688
0.018
30
0.707
0.017
0.699
0.019
0.690
0.020
31
0.709
0.019
0.701
0.021
0.692
0.022
32
0.711
0.021
0.703
0.023
0.695
0.025
33
0.714
0.024
0.706
0.026
0.697
0.027
0.664
0.004
0.654
0.004
0.645
0.005
0.665
0.005
0.655
0.005
0.645
0.005
0.665
0.005
0.656
0.006
0.646
0.006
0.666
0.006
0.657
0.007
0.647
0.007
0.667
0.007
0.658
0.008
0.648
0.008
0.668
0.008
0.658
0.008
0.649
0.009
0.669
0.009
0.659
0.009
0.650
0.010
0.670
0.010
0.661
0.011
0.652
0.012
0.671
0.011
0.662
0.012
0.653
0.013
0.673
0.013
0.664
0.014
0.655
0.015
0.674
0.014
0.666
0.016
0.657
0.017
0.677
0.017
0.668
0.018
0.660
0.020
0.679
0.019
0.671
0.021
0.662
0.022
0.682
0.022
0.673
0.023
0.665
0.025
0.684
0.024
0.676
0.026
0.668
0.028
0.687
0.027
0.679
0.029
0.671
0.031
0.689
0.029
0.681
0.031
0.673
0.033
0.635
0.005
0.625
0.005
0.616
0.006
0.636
0.006
0.626
0.006
0.617
0.007
0.637
0.007
0.627
0.007
0.618
0.008
0.638
0.008
0.629
0.009
0.619
0.009
0.639
0.009
0.630
0.010
0.620
0.010
0.640
0.010
0.631
0.011
0.622
0.012
0.641
0.011
0.632
0.012
0.623
0.013
0.643
0.013
0.634
0.014
0.625
0.015
0.644
0.014
0.636
0.016
0.627
0.017
0.646
0.016
0.638
0.018
0.629
0.019
0.648
0.018
0.640
0.020
0.631
0.021
0.651
0.021
0.643
0.023
0.634
0.024
0.654
0.024
0.646
0.026
0.638
0.028
0.657
0.027
0.649
0.029
0.641
0.031
0.660
0.030
0.652
0.032
0.644
0.034
0.663
0.033
0.655
0.035
0.647
0.037
0.666
0.036
0.658
0.038
0.650
0.040
0.606
0.006
0.597
0.007
0.587
0.007
0.607
0.007
0.598
0.008
0.589
0.009
0.609
0.009
0.599
0.009
0.590
0.010
0.610
0.010
0.601
0.011
0.592
0.012
0.611
0.011
0.602
0.012
0.593
0.013
0.612
0.012
0.603
0.013
0.594
0.014
0.614
0.014
0.605
0.015
0.596
0.016
0.616
0.016
0.607
0.017
0.599
0.019
0.618
0.018
0.610
0.020
0.601
0.021
0.620
0.020
0.612
0.022
0.603
0.023
0.623
0.023
0.614
0.024
0.606
0.026
0.626
0.026
0.618
0.028
0.610
0.030
0.629
0.029
0.621
0.031
0.613
0.033
0.633
0.033
0.625
0.035
0.617
0.037
0.636
0.036
0.628
0.038
0.621
0.041
0.639
0.039
0.632
0.042
0.624
0.044
0.643
0.043
0.635
0.045
0.628
0.048
0.578
0.008
0.568
0.008
0.559
0.009
0.579
0.009
0.570
0.010
0.561
0.011
0.581
0.011
0.572
0.012
0.563
0.013
0.582
0.012
0.573
0.013
0.564
0.014
0.584
0.014
0.575
0.015
0.566
0.016
0.586
0.016
0.577
0.017
0.568
0.018
0.587
0.017
0.579
0.019
0.570
0.020
0.590
0.020
0.581
0.021
0.573
0.023
0.592
0.022
0.584
0.024
0.576
0.026
0.595
0.025
0.587
0.027
0.579
0.029
0.598
0.028
0.590
0.030
0.582
0.032
0.602
0.032
0.594
0.034
0.586
0.036
0.606
0.036
0.598
0.038
0.590
0.040
0.609
0.039
0.602
0.042
0.594
0.044
0.613
0.043
0.606
0.046
0.598
0.048
0.617
0.047
0.609
0.049
0.602
0.052
0.620
0.050
0.613
0.053
0.606
0.056
0.550
0.010
0.540
0.010
0.531
0.011
0.552
0.012
0.542
0.012
0.533
0.013
0.553
0.013
0.544
0.014
0.535
0.015
0.555
0.015
0.546
0.016
0.538
0.018
0.557
0.017
0.548
0.018
0.540
0.020
0.559
0.019
0.550
0.020
0.542
0.022
0.561
0.021
0.553
0.023
0.544
0.024
0.564
0.024
0.556
0.026
0.548
0.028
0.567
0.027
0.559
0.029
0.551
0.031
0.571
0.031
0.563
0.033
0.555
0.035
0.574
0.034
0.566
0.036
0.558
0.038
0.578
0.038
0.570
0.040
0.563
0.043
0.582
0.042
0.575
0.045
0.567
0.047
0.587
0.047
0.579
0.049
0.572
0.052
0.591
0.051
0.584
0.054
0.576
0.056
0.595
0.055
0.588
0.058
0.581
0.061
0.599
0.059
0.592
0.062
0.585
0.065
0.522
0.012
0.513
0.013
0.504
0.014
0.524
0.014
0.515
0.015
0.506
0.016
0.527
0.017
0.518
0.018
0.509
0.019
0.529
0.019
0.520
0.020
0.511
0.021
0.531
0.021
0.522
0.022
0.514
0.024
0.533
0.023
0.525
0.025
0.517
0.027
0.536
0.026
0.528
0.028
0.519
0.029
0.540
0.030
0.531
0.031
0.523
0.033
0.543
0.033
0.535
0.035
0.527
0.037
0.547
0.037
0.539
0.039
0.531
0.041
0.550
0.040
0.543
0.043
0.535
0.045
0.555
0.045
0.548
0.048
0.540
0.050
0.560
0.050
0.553
0.053
0.546
0.056
0.565
0.055
0.558
0.058
0.551
0.061
0.569
0.059
0.562
0.062
0.555
0.065
0.574
0.064
0.567
0.067
0.560
0.070
0.578
0.068
0.572
0.072
0.565
0.075
0.495
0.015
0.486
0.016
0.477
0.017
0.497
0.017
0.489
0.019
0.480
0.020
0.500
0.020
0.491
0.021
0.483
0.023
0.503
0.023
0.494
0.024
0.486
0.026
0.505
0.025
0.497
0.027
0.489
0.029
0.508
0.028
0.500
0.030
0.492
0.032
0.511
0.031
0.503
0.033
0.495
0.035
0.515
0.035
0.508
0.038
0.500
0.040
0.520
0.040
0.512
0.042
0.504
0.044
0.524
0.044
0.516
0.046
0.509
0.049
0.528
0.048
0.520
0.050
0.513
0.053
0.533
0.053
0.526
0.056
0.519
0.059
0.539
0.059
0.532
0.062
0.525
0.065
0.544
0.064
0.537
0.067
0.530
0.070
0.549
0.069
0.542
0.072
0.535
0.075
0.553
0.073
0.547
0.077
0.540
0.080
0.558
0.078
0.552
0.082
0.545
0.085
0.468
0.018
0.459
0.019
0.451
0.021
0.471
0.021
0.463
0.023
0.454
0.024
0.474
0.024
0.466
0.026
0.458
0.028
0.477
0.027
0.469
0.029
0.461
0.031
0.481
0.031
0.472
0.032
0.464
0.034
0.484
0.034
0.476
0.036
0.468
0.038
0.487
0.037
0.479
0.039
0.472
0.042
0.492
0.042
0.484
0.044
0.477
0.047
0.497
0.047
0.489
0.049
0.482
0.052
0.502
0.052
0.494
0.054
0.487
0.057
0.506
0.056
0.499
0.059
0.492
0.062
0.512
0.062
0.505
0.065
0.498
0.068
0.518
0.068
0.511
0.071
0.504
0.074
0.523
0.073
0.517
0.077
0.510
0.080
0.529
0.079
0.522
0.082
0.516
0.086
0.534
0.084
0.527
0.087
0.521
0.091
0.539
0.089
0.533
0.093
0.527
0.097
0.442
0.022
0.434
0.024
0.425
0.025
0.446
0.026
0.437
0.027
0.429
0.029
0.449
0.029
0.441
0.031
0.433
0.033
0.453
0.033
0.445
0.035
0.437
0.037
0.456
0.036
0.448
0.038
0.441
0.041
0.460
0.040
0.452
0.042
0.445
0.045
0.464
0.044
0.456
0.046
0.449
0.049
0.470
0.050
0.462
0.052
0.455
0.055
0.475
0.055
0.468
0.058
0.461
0.061
0.480
0.060
0.473
0.063
0.466
0.066
0.485
0.065
0.478
0.068
0.471
0.071
0.491
0.071
0.485
0.075
0.478
0.078
0.498
0.078
0.491
0.081
0.485
0.085
0.504
0.084
0.497
0.087
0.491
0.091
0.509
0.089
0.503
0.093
0.497
0.097
0.515
0.095
0.509
0.099
0.503
0.103
0.521
0.101
0.515
0.105
0.509
0.109
70
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.442 0.448 0.454 0.459 0.465
0.052 0.058 0.064 0.069 0.075
0.434 0.441 0.447 0.453 0.458
0.054 0.061 0.067 0.073 0.078
0.427 0.434 0.440 0.446 0.452
0.057 0.064 0.070 0.076 0.082
17
0.417
0.027
0.409
0.029
0.400
0.030
18
0.421
0.031
0.413
0.033
0.405
0.035
19
0.425
0.035
0.417
0.037
0.409
0.039
20
0.429
0.039
0.421
0.041
0.413
0.043
21
0.433
0.043
0.425
0.045
0.418
0.048
22
0.437
0.047
0.430
0.050
0.422
0.052
28
0.472
0.082
0.465
0.085
0.459
0.089
29
0.479
0.089
0.472
0.092
0.466
0.096
30
0.485
0.095
0.479
0.099
0.473
0.103
31
0.491
0.101
0.485
0.105
0.479
0.109
32
0.497
0.107
0.491
0.111
0.485
0.115
33
0.503
0.113
0.497
0.117
0.491
0.121
0.392
0.032
0.384
0.034
0.376
0.036
0.397
0.037
0.389
0.039
0.381
0.041
0.401
0.041
0.394
0.044
0.386
0.046
0.406
0.046
0.398
0.048
0.391
0.051
0.410
0.050
0.403
0.053
0.396
0.056
0.415
0.055
0.408
0.058
0.401
0.061
0.420
0.060
0.413
0.063
0.406
0.066
0.427
0.067
0.420
0.070
0.413
0.073
0.433
0.073
0.427
0.077
0.420
0.080
0.440
0.080
0.433
0.083
0.427
0.087
0.445
0.085
0.439
0.089
0.433
0.093
0.453
0.093
0.447
0.097
0.441
0.101
0.460
0.100
0.454
0.104
0.448
0.108
0.467
0.107
0.461
0.111
0.455
0.115
0.473
0.113
0.467
0.117
0.462
0.122
0.479
0.119
0.474
0.124
0.468
0.128
0.486
0.126
0.480
0.130
0.474
0.134
0.369
0.039
0.361
0.041
0.353
0.043
0.374
0.044
0.366
0.046
0.359
0.049
0.379
0.049
0.371
0.051
0.364
0.054
0.384
0.054
0.376
0.056
0.369
0.059
0.389
0.059
0.382
0.062
0.375
0.065
0.394
0.064
0.387
0.067
0.380
0.070
0.399
0.069
0.393
0.073
0.386
0.076
0.407
0.077
0.400
0.080
0.394
0.084
0.414
0.084
0.407
0.087
0.401
0.091
0.421
0.091
0.414
0.094
0.408
0.098
0.427
0.097
0.421
0.101
0.415
0.105
0.435
0.105
0.429
0.109
0.423
0.113
0.442
0.112
0.437
0.117
0.431
0.121
0.450
0.120
0.444
0.124
0.438
0.128
0.456
0.126
0.450
0.130
0.445
0.135
0.462
0.132
0.457
0.137
0.452
0.142
0.469
0.139
0.464
0.144
0.458
0.148
0.346
0.046
0.339
0.049
0.331
0.051
0.351
0.051
0.344
0.054
0.337
0.057
0.357
0.057
0.350
0.060
0.343
0.063
0.362
0.062
0.355
0.065
0.349
0.069
0.368
0.068
0.361
0.071
0.354
0.074
0.373
0.073
0.367
0.077
0.360
0.080
0.379
0.079
0.373
0.083
0.367
0.087
0.387
0.087
0.381
0.091
0.375
0.095
0.395
0.095
0.389
0.099
0.383
0.103
0.402
0.102
0.396
0.106
0.391
0.111
0.409
0.109
0.403
0.113
0.398
0.118
0.417
0.117
0.412
0.122
0.406
0.126
0.425
0.125
0.420
0.130
0.414
0.134
0.433
0.133
0.427
0.137
0.422
0.142
0.440
0.140
0.434
0.144
0.429
0.149
0.446
0.146
0.441
0.151
0.436
0.156
0.453
0.153
0.448
0.158
0.443
0.163
0.324
0.054
0.317
0.057
0.310
0.060
0.330
0.060
0.323
0.063
0.316
0.066
0.336
0.066
0.329
0.069
0.323
0.073
0.342
0.072
0.335
0.075
0.329
0.079
0.348
0.078
0.341
0.081
0.335
0.085
0.354
0.084
0.348
0.088
0.342
0.092
0.361
0.091
0.354
0.094
0.348
0.098
0.369
0.099
0.363
0.103
0.357
0.107
0.377
0.107
0.371
0.111
0.366
0.116
0.385
0.115
0.379
0.119
0.374
0.124
0.392
0.122
0.387
0.127
0.381
0.131
0.401
0.131
0.395
0.135
0.390
0.140
0.409
0.139
0.404
0.144
0.399
0.149
0.417
0.147
0.412
0.152
0.407
0.157
0.424
0.154
0.419
0.159
0.414
0.164
0.431
0.161
0.426
0.166
0.421
0.171
0.438
0.168
0.433
0.173
0.428
0.178
0.304
0.064
0.297
0.067
0.290
0.070
0.310
0.070
0.303
0.073
0.297
0.077
0.316
0.076
0.310
0.080
0.304
0.084
0.323
0.083
0.316
0.086
0.310
0.090
0.329
0.089
0.323
0.093
0.317
0.097
0.336
0.096
0.330
0.100
0.324
0.104
0.342
0.102
0.337
0.107
0.331
0.111
0.351
0.111
0.346
0.116
0.340
0.120
0.360
0.120
0.354
0.124
0.349
0.129
0.368
0.128
0.363
0.133
0.357
0.137
0.376
0.136
0.371
0.141
0.365
0.145
0.385
0.145
0.380
0.150
0.375
0.155
0.393
0.153
0.388
0.158
0.383
0.163
0.402
0.162
0.397
0.167
0.392
0.172
0.409
0.169
0.404
0.174
0.399
0.179
0.416
0.176
0.411
0.181
0.407
0.187
0.423
0.183
0.419
0.189
0.414
0.194
0.284
0.074
0.278
0.078
0.271
0.081
0.291
0.081
0.284
0.084
0.278
0.088
0.297
0.087
0.291
0.091
0.285
0.095
0.304
0.094
0.298
0.098
0.292
0.102
0.311
0.101
0.305
0.105
0.299
0.109
0.318
0.108
0.312
0.112
0.307
0.117
0.325
0.115
0.320
0.120
0.314
0.124
0.335
0.125
0.329
0.129
0.324
0.134
0.344
0.134
0.338
0.138
0.333
0.143
0.352
0.142
0.347
0.147
0.342
0.152
0.360
0.150
0.355
0.155
0.350
0.160
0.370
0.160
0.365
0.165
0.360
0.170
0.379
0.169
0.374
0.174
0.369
0.179
0.387
0.177
0.382
0.182
0.378
0.188
0.394
0.184
0.390
0.190
0.385
0.195
0.402
0.192
0.397
0.197
0.393
0.203
0.410
0.200
0.405
0.205
0.401
0.211
0.265
0.085
0.259
0.089
0.254
0.094
0.272
0.092
0.267
0.097
0.261
0.101
0.280
0.100
0.274
0.104
0.268
0.108
0.287
0.107
0.281
0.111
0.276
0.116
0.294
0.114
0.288
0.118
0.283
0.123
0.301
0.121
0.296
0.126
0.291
0.131
0.309
0.129
0.304
0.134
0.299
0.139
0.319
0.139
0.314
0.144
0.309
0.149
0.328
0.148
0.323
0.153
0.318
0.158
0.337
0.157
0.332
0.162
0.327
0.167
0.345
0.165
0.341
0.171
0.336
0.176
0.355
0.175
0.350
0.180
0.346
0.186
0.364
0.184
0.360
0.190
0.355
0.195
0.373
0.193
0.369
0.199
0.364
0.204
0.381
0.201
0.376
0.206
0.372
0.212
0.388
0.208
0.384
0.214
0.380
0.220
0.396
0.216
0.392
0.222
0.388
0.228
0.248
0.098
0.242
0.102
0.237
0.107
0.255
0.105
0.250
0.110
0.244
0.114
0.263
0.113
0.257
0.117
0.252
0.122
0.270
0.120
0.265
0.125
0.260
0.130
0.278
0.128
0.273
0.133
0.268
0.138
0.286
0.136
0.281
0.141
0.276
0.146
0.294
0.144
0.289
0.149
0.284
0.154
0.304
0.154
0.299
0.159
0.294
0.164
0.313
0.163
0.308
0.168
0.304
0.174
0.322
0.172
0.318
0.178
0.313
0.183
0.331
0.181
0.326
0.186
0.322
0.192
0.341
0.191
0.337
0.197
0.332
0.202
0.351
0.201
0.346
0.206
0.342
0.212
0.360
0.210
0.355
0.215
0.351
0.221
0.368
0.218
0.363
0.223
0.359
0.229
0.375
0.225
0.371
0.231
0.367
0.237
0.383
0.233
0.379
0.239
0.375
0.245
0.231
0.111
0.225
0.115
0.219
0.119
0.239
0.119
0.233
0.123
0.228
0.128
0.247
0.127
0.241
0.131
0.236
0.136
0.255
0.135
0.250
0.140
0.245
0.145
0.263
0.143
0.258
0.148
0.253
0.153
0.271
0.151
0.266
0.156
0.261
0.161
0.279
0.159
0.274
0.164
0.270
0.170
0.289
0.169
0.285
0.175
0.280
0.180
0.299
0.179
0.295
0.185
0.290
0.190
0.308
0.188
0.304
0.194
0.299
0.199
0.317
0.197
0.313
0.203
0.309
0.209
0.328
0.208
0.324
0.214
0.319
0.219
0.338
0.218
0.333
0.223
0.329
0.229
0.347
0.227
0.343
0.233
0.339
0.239
0.355
0.235
0.351
0.241
0.347
0.247
0.363
0.243
0.359
0.249
0.355
0.255
0.371
0.251
0.367
0.257
0.363
0.263
71
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.91
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.265 0.276 0.286 0.295 0.304
0.175 0.186 0.196 0.205 0.214
0.261 0.271 0.281 0.291 0.300
0.181 0.191 0.201 0.211 0.220
0.257 0.267 0.277 0.287 0.297
0.187 0.197 0.207 0.217 0.227
17
0.214
0.124
0.209
0.129
0.203
0.133
18
0.222
0.132
0.217
0.137
0.212
0.142
19
0.231
0.141
0.226
0.146
0.221
0.151
20
0.240
0.150
0.235
0.155
0.230
0.160
21
0.248
0.158
0.244
0.164
0.239
0.169
22
0.257
0.167
0.252
0.172
0.248
0.178
0.198
0.138
0.192
0.142
0.187
0.147
0.207
0.147
0.202
0.152
0.197
0.157
0.216
0.156
0.211
0.161
0.207
0.167
0.226
0.166
0.221
0.171
0.217
0.177
0.235
0.175
0.231
0.181
0.227
0.187
0.244
0.184
0.240
0.190
0.235
0.195
0.253
0.193
0.249
0.199
0.245
0.205
0.263
0.203
0.259
0.209
0.255
0.215
0.273
0.213
0.269
0.219
0.265
0.225
0.282
0.222
0.278
0.228
0.275
0.235
0.183
0.153
0.179
0.159
0.175
0.165
0.193
0.163
0.189
0.169
0.184
0.174
0.203
0.173
0.199
0.179
0.194
0.184
0.212
0.182
0.208
0.188
0.204
0.194
0.222
0.192
0.218
0.198
0.214
0.204
0.231
0.201
0.228
0.208
0.224
0.214
0.241
0.211
0.238
0.218
0.234
0.224
0.251
0.221
0.248
0.228
0.244
0.234
0.261
0.231
0.258
0.238
0.254
0.244
1.00
1.01
1.02
1.03
1.04
1.05
0.170
0.168
0.165
0.161
0.158
0.155
0.180
0.177
0.174
0.170
0.167
0.164
0.190
0.186
0.183
0.179
0.176
0.173
0.200
0.195
0.192
0.188
0.185
0.182
0.210
0.204
0.201
0.197
0.194
0.191
0.220
0.214
0.210
0.207
0.203
0.200
0.230
0.223
0.220
0.217
0.213
0.210
0.240
0.234
0.230
0.227
0.223
0.220
1.06
1.07
1.08
1.09
1.10
0.152
0.150
0.146
0.144
0.141
0.161
0.158
0.155
0.152
0.150
0.170
0.167
0.164
0.161
0.158
0.179
0.176
0.172
0.169
0.166
0.187
0.184
0.181
0.178
0.175
0.197
0.194
0.190
0.187
0.184
0.206
0.203
0.200
0.197
0.193
1.11
1.12
1.13
1.14
1.15
0.139
0.137
0.134
0.131
0.128
0.147
0.145
0.142
0.139
0.136
0.155
0.153
0.150
0.147
0.144
0.164
0.161
0.158
0.155
0.152
0.172
0.169
0.166
0.163
0.160
0.181
0.178
0.175
0.172
0.169
1.16
1.17
1.18
1.19
1.20
0.126
0.123
0.120
0.118
0.115
0.134
0.131
0.128
0.125
0.123
0.141
0.139
0.136
0.133
0.131
0.149
0.146
0.144
0.141
0.138
0.157
0.154
0.152
0.149
0.146
1.21
1.22
1.23
1.24
1.25
0.113
0.110
0.108
0.105
0.103
0.120
0.118
0.115
0.113
0.111
0.128
0.126
0.123
0.121
0.118
0.136
0.133
0.131
0.128
0.126
1.26
1.27
1.28
1.29
1.30
0.101
0.098
0.096
0.094
0.092
0.108
0.106
0.104
0.102
0.100
0.116
0.114
0.112
0.110
0.107
1.31
1.32
1.33
1.34
1.35
0.090
0.088
0.086
0.085
0.083
0.098
0.096
0.094
0.092
0.090
1.36
1.37
1.38
1.39
1.40
0.081
0.079
0.078
0.076
0.075
0.089
0.087
0.085
0.083
0.082
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
28
0.315
0.225
0.311
0.231
0.307
0.237
29
0.325
0.235
0.321
0.241
0.317
0.247
30
0.335
0.245
0.331
0.251
0.327
0.257
31
0.343
0.253
0.339
0.259
0.335
0.265
32
0.351
0.261
0.347
0.267
0.343
0.273
33
0.359
0.269
0.356
0.276
0.352
0.282
0.292
0.232
0.289
0.239
0.285
0.245
0.303
0.243
0.299
0.249
0.295
0.255
0.313
0.253
0.309
0.259
0.305
0.265
0.323
0.263
0.319
0.269
0.315
0.275
0.331
0.271
0.328
0.278
0.324
0.284
0.340
0.280
0.336
0.286
0.333
0.293
0.348
0.288
0.345
0.295
0.342
0.302
0.271
0.241
0.267
0.247
0.264
0.254
0.281
0.251
0.277
0.257
0.274
0.264
0.291
0.261
0.288
0.268
0.284
0.274
0.301
0.271
0.297
0.277
0.294
0.284
0.311
0.281
0.307
0.287
0.304
0.294
0.320
0.290
0.317
0.297
0.314
0.304
0.330
0.300
0.326
0.306
0.324
0.314
0.339
0.309
0.335
0.315
0.333
0.323
0.250
0.244
0.240
0.237
0.233
0.230
0.260
0.254
0.251
0.247
0.244
0.240
0.270
0.265
0.261
0.258
0.255
0.252
0.280
0.276
0.273
0.270
0.267
0.264
0.290
0.287
0.284
0.281
0.278
0.275
0.300
0.297
0.294
0.291
0.288
0.285
0.310
0.306
0.303
0.299
0.296
0.293
0.320
0.314
0.311
0.307
0.304
0.301
0.330
0.323
0.320
0.315
0.312
0.309
0.216
0.212
0.209
0.206
0.203
0.225
0.222
0.219
0.216
0.212
0.236
0.233
0.230
0.226
0.223
0.248
0.245
0.242
0.239
0.236
0.261
0.258
0.256
0.253
0.250
0.272
0.269
0.266
0.263
0.260
0.282
0.278
0.275
0.272
0.269
0.290
0.287
0.284
0.280
0.277
0.298
0.295
0.292
0.288
0.285
0.306
0.303
0.299
0.296
0.293
0.190
0.187
0.184
0.181
0.178
0.199
0.196
0.193
0.190
0.187
0.209
0.206
0.203
0.200
0.197
0.220
0.217
0.214
0.211
0.208
0.233
0.230
0.227
0.225
0.222
0.247
0.244
0.241
0.239
0.236
0.257
0.254
0.251
0.248
0.245
0.266
0.264
0.261
0.258
0.255
0.274
0.272
0.269
0.266
0.263
0.282
0.279
0.276
0.273
0.271
0.290
0.287
0.284
0.281
0.279
0.166
0.163
0.160
0.158
0.155
0.175
0.172
0.169
0.167
0.164
0.184
0.181
0.179
0.176
0.173
0.194
0.191
0.189
0.186
0.183
0.206
0.203
0.200
0.198
0.195
0.219
0.216
0.214
0.211
0.208
0.233
0.230
0.228
0.225
0.223
0.243
0.240
0.237
0.235
0.232
0.252
0.250
0.247
0.245
0.242
0.260
0.258
0.255
0.252
0.250
0.268
0.265
0.262
0.260
0.257
0.276
0.273
0.271
0.268
0.265
0.144
0.141
0.139
0.136
0.134
0.152
0.150
0.147
0.145
0.143
0.161
0.159
0.156
0.154
0.151
0.171
0.168
0.166
0.163
0.161
0.181
0.178
0.176
0.173
0.171
0.192
0.190
0.187
0.185
0.182
0.206
0.203
0.201
0.199
0.196
0.220
0.218
0.215
0.213
0.210
0.230
0.227
0.225
0.222
0.220
0.239
0.237
0.235
0.232
0.230
0.247
0.245
0.242
0.240
0.238
0.255
0.252
0.250
0.247
0.245
0.263
0.260
0.258
0.255
0.253
0.124
0.122
0.119
0.117
0.115
0.131
0.129
0.127
0.125
0.123
0.140
0.138
0.136
0.133
0.131
0.149
0.147
0.144
0.142
0.140
0.158
0.156
0.154
0.151
0.149
0.168
0.166
0.164
0.161
0.159
0.180
0.178
0.175
0.173
0.171
0.194
0.191
0.189
0.187
0.185
0.208
0.206
0.203
0.201
0.199
0.218
0.215
0.213
0.211
0.209
0.227
0.225
0.223
0.221
0.218
0.235
0.233
0.231
0.228
0.226
0.242
0.240
0.238
0.235
0.233
0.251
0.248
0.246
0.244
0.241
0.105
0.103
0.101
0.100
0.098
0.113
0.111
0.109
0.107
0.105
0.121
0.118
0.116
0.114
0.113
0.129
0.127
0.125
0.123
0.121
0.138
0.136
0.134
0.132
0.130
0.147
0.145
0.143
0.141
0.139
0.157
0.155
0.153
0.151
0.148
0.169
0.167
0.165
0.163
0.161
0.183
0.181
0.178
0.176
0.174
0.197
0.195
0.193
0.191
0.189
0.207
0.204
0.202
0.200
0.198
0.216
0.214
0.212
0.210
0.208
0.224
0.222
0.220
0.218
0.216
0.231
0.229
0.227
0.225
0.222
0.239
0.237
0.235
0.233
0.230
0.096
0.094
0.092
0.091
0.089
0.103
0.101
0.100
0.098
0.096
0.111
0.109
0.107
0.105
0.103
0.119
0.117
0.115
0.113
0.112
0.128
0.126
0.124
0.122
0.120
0.137
0.135
0.133
0.131
0.129
0.146
0.145
0.143
0.141
0.139
0.159
0.157
0.155
0.153
0.151
0.172
0.171
0.169
0.167
0.165
0.187
0.185
0.183
0.181
0.179
0.196
0.194
0.192
0.191
0.189
0.206
0.204
0.202
0.200
0.198
0.214
0.212
0.210
0.208
0.206
0.220
0.218
0.216
0.214
0.212
0.228
0.226
0.224
0.222
0.220
72
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
17
0.073
0.072
0.070
0.069
0.067
18
0.080
0.079
0.077
0.076
0.074
19
0.087
0.086
0.084
0.083
0.081
20
0.094
0.093
0.091
0.090
0.088
21
0.102
0.100
0.098
0.097
0.095
22
0.110
0.108
0.106
0.105
0.103
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.118 0.127 0.137 0.149 0.163
0.116 0.125 0.135 0.147 0.161
0.115 0.124 0.134 0.146 0.160
0.113 0.122 0.132 0.144 0.158
0.111 0.120 0.130 0.142 0.156
1.46
1.47
1.48
1.49
1.50
0.066
0.065
0.063
0.062
0.061
0.073
0.071
0.070
0.069
0.067
0.080
0.078
0.077
0.076
0.074
0.087
0.085
0.084
0.082
0.081
0.094
0.092
0.090
0.089
0.088
0.102
0.100
0.098
0.097
0.095
0.110
0.108
0.107
0.105
0.104
0.119
0.117
0.115
0.114
0.112
0.128
0.127
0.125
0.124
0.122
0.141
0.139
0.137
0.136
0.134
1.51
1.52
1.53
1.54
1.55
0.060
0.058
0.057
0.056
0.055
0.066
0.065
0.064
0.063
0.061
0.073
0.072
0.070
0.069
0.068
0.080
0.078
0.077
0.076
0.074
0.086
0.085
0.083
0.082
0.081
0.094
0.093
0.091
0.090
0.088
0.102
0.101
0.099
0.098
0.096
0.111
0.109
0.108
0.106
0.105
0.121
0.119
0.118
0.116
0.115
1.56
1.57
1.58
1.59
1.60
0.054
0.053
0.052
0.051
0.050
0.060
0.059
0.058
0.057
0.056
0.067
0.066
0.064
0.063
0.062
0.073
0.072
0.071
0.070
0.068
0.080
0.078
0.077
0.076
0.075
0.087
0.086
0.085
0.083
0.082
0.095
0.094
0.092
0.091
0.090
0.104
0.102
0.101
0.100
0.098
1.61
1.62
1.63
1.64
1.65
0.049
0.048
0.047
0.046
0.045
0.055
0.054
0.053
0.052
0.051
0.061
0.060
0.059
0.058
0.057
0.067
0.066
0.065
0.064
0.063
0.074
0.072
0.071
0.070
0.069
0.081
0.080
0.079
0.078
0.076
0.089
0.087
0.086
0.085
0.084
1.66
1.67
1.68
1.69
1.70
0.044
0.043
0.043
0.042
0.041
0.050
0.049
0.048
0.048
0.047
0.056
0.055
0.054
0.053
0.053
0.062
0.061
0.060
0.059
0.058
0.068
0.067
0.066
0.065
0.064
0.075
0.074
0.073
0.072
0.071
1.71
1.72
1.73
1.74
1.75
0.040
0.040
0.039
0.038
0.037
0.046
0.045
0.044
0.044
0.043
0.052
0.051
0.050
0.049
0.048
0.057
0.057
0.056
0.055
0.054
0.063
0.062
0.061
0.060
0.060
1.76
1.77
1.78
1.79
1.80
0.037
0.036
0.035
0.035
0.034
0.042
0.041
0.041
0.040
0.039
0.048
0.047
0.046
0.045
0.045
0.053
0.052
0.052
0.051
0.050
1.81
1.82
1.83
1.84
1.85
0.034
0.033
0.032
0.032
0.031
0.039
0.038
0.038
0.037
0.036
0.044
0.043
0.043
0.042
0.041
1.86
1.87
1.88
1.89
1.90
0.031
0.030
0.030
0.029
0.029
0.036
0.035
0.035
0.034
0.034
1.91
1.92
1.93
1.94
1.95
0.028
0.028
0.027
0.027
0.026
1.96
1.97
1.98
1.99
2.00
0.026
0.026
0.025
0.025
0.025
28
0.177
0.176
0.174
0.172
0.170
29
0.187
0.185
0.183
0.182
0.180
30
0.197
0.195
0.193
0.191
0.189
31
0.204
0.202
0.200
0.199
0.197
32
0.210
0.209
0.207
0.205
0.203
33
0.218
0.216
0.215
0.213
0.211
0.155
0.153
0.151
0.150
0.148
0.169
0.167
0.165
0.164
0.162
0.178
0.176
0.175
0.173
0.172
0.188
0.186
0.184
0.183
0.181
0.195
0.193
0.192
0.190
0.188
0.201
0.199
0.198
0.196
0.194
0.209
0.207
0.205
0.204
0.202
0.133
0.131
0.130
0.129
0.127
0.147
0.145
0.144
0.142
0.141
0.161
0.159
0.158
0.156
0.155
0.170
0.168
0.167
0.165
0.164
0.179
0.178
0.176
0.175
0.173
0.187
0.185
0.183
0.182
0.180
0.193
0.191
0.189
0.188
0.186
0.200
0.199
0.197
0.195
0.194
0.113
0.112
0.111
0.109
0.108
0.126
0.124
0.123
0.122
0.120
0.139
0.138
0.137
0.135
0.134
0.153
0.152
0.151
0.149
0.148
0.163
0.161
0.160
0.158
0.157
0.172
0.170
0.169
0.167
0.166
0.179
0.177
0.176
0.174
0.173
0.185
0.183
0.181
0.180
0.178
0.192
0.190
0.189
0.187
0.186
0.097
0.096
0.095
0.094
0.093
0.107
0.106
0.105
0.103
0.102
0.119
0.118
0.117
0.115
0.114
0.133
0.132
0.130
0.129
0.128
0.147
0.145
0.144
0.143
0.142
0.155
0.154
0.153
0.152
0.150
0.165
0.163
0.162
0.160
0.159
0.171
0.170
0.169
0.167
0.166
0.177
0.175
0.174
0.173
0.171
0.184
0.183
0.181
0.180
0.178
0.083
0.082
0.081
0.080
0.079
0.091
0.090
0.089
0.088
0.087
0.101
0.100
0.099
0.098
0.097
0.113
0.112
0.111
0.110
0.109
0.127
0.126
0.124
0.123
0.122
0.140
0.139
0.138
0.137
0.136
0.149
0.148
0.146
0.145
0.144
0.158
0.157
0.155
0.154
0.153
0.164
0.163
0.162
0.161
0.159
0.170
0.168
0.167
0.166
0.164
0.177
0.176
0.174
0.173
0.172
0.070
0.069
0.068
0.067
0.067
0.078
0.077
0.076
0.075
0.074
0.086
0.085
0.084
0.083
0.082
0.096
0.095
0.094
0.093
0.092
0.108
0.107
0.106
0.104
0.103
0.121
0.120
0.119
0.118
0.117
0.134
0.133
0.132
0.131
0.130
0.143
0.142
0.141
0.139
0.138
0.152
0.150
0.149
0.148
0.147
0.158
0.157
0.156
0.154
0.153
0.163
0.162
0.161
0.159
0.158
0.170
0.169
0.168
0.166
0.165
0.059
0.058
0.057
0.056
0.055
0.066
0.065
0.064
0.063
0.062
0.073
0.072
0.071
0.070
0.069
0.081
0.080
0.079
0.078
0.078
0.091
0.090
0.089
0.088
0.087
0.103
0.102
0.101
0.100
0.099
0.116
0.115
0.114
0.113
0.112
0.129
0.128
0.127
0.126
0.125
0.137
0.136
0.135
0.134
0.133
0.146
0.145
0.143
0.142
0.141
0.152
0.151
0.150
0.149
0.147
0.157
0.156
0.155
0.153
0.152
0.164
0.163
0.161
0.160
0.159
0.049
0.049
0.048
0.047
0.047
0.055
0.054
0.053
0.052
0.052
0.061
0.061
0.060
0.059
0.058
0.068
0.068
0.067
0.066
0.065
0.077
0.076
0.075
0.074
0.073
0.086
0.085
0.084
0.083
0.083
0.098
0.097
0.096
0.095
0.094
0.111
0.110
0.109
0.108
0.107
0.124
0.123
0.122
0.121
0.120
0.132
0.131
0.130
0.129
0.128
0.140
0.139
0.138
0.137
0.136
0.146
0.145
0.144
0.143
0.142
0.151
0.150
0.149
0.148
0.147
0.158
0.157
0.155
0.154
0.153
0.041
0.040
0.040
0.039
0.038
0.046
0.045
0.045
0.044
0.043
0.051
0.050
0.050
0.049
0.048
0.058
0.057
0.056
0.055
0.055
0.064
0.064
0.063
0.062
0.062
0.073
0.072
0.071
0.070
0.070
0.082
0.081
0.080
0.079
0.079
0.093
0.093
0.092
0.091
0.090
0.106
0.106
0.105
0.104
0.103
0.119
0.118
0.117
0.117
0.116
0.127
0.126
0.125
0.124
0.123
0.135
0.134
0.133
0.132
0.131
0.141
0.140
0.139
0.138
0.137
0.145
0.144
0.143
0.142
0.141
0.152
0.151
0.150
0.149
0.148
0.033
0.033
0.032
0.032
0.031
0.038
0.037
0.037
0.036
0.036
0.043
0.042
0.042
0.041
0.041
0.048
0.047
0.046
0.046
0.045
0.054
0.053
0.053
0.052
0.051
0.061
0.060
0.059
0.059
0.058
0.069
0.068
0.067
0.067
0.066
0.078
0.077
0.076
0.076
0.075
0.090
0.089
0.088
0.087
0.087
0.102
0.101
0.101
0.100
0.099
0.115
0.114
0.113
0.112
0.112
0.123
0.122
0.121
0.120
0.119
0.130
0.129
0.129
0.128
0.127
0.136
0.135
0.134
0.133
0.132
0.140
0.139
0.138
0.137
0.136
0.147
0.145
0.144
0.143
0.142
0.031
0.030
0.030
0.029
0.029
0.035
0.035
0.034
0.034
0.033
0.040
0.039
0.039
0.038
0.038
0.045
0.044
0.043
0.043
0.042
0.051
0.050
0.050
0.049
0.049
0.057
0.057
0.056
0.056
0.055
0.065
0.065
0.064
0.063
0.063
0.074
0.074
0.073
0.072
0.072
0.086
0.085
0.084
0.084
0.083
0.098
0.098
0.097
0.096
0.096
0.111
0.110
0.109
0.109
0.108
0.118
0.117
0.117
0.116
0.115
0.126
0.125
0.124
0.123
0.123
0.131
0.130
0.130
0.129
0.128
0.135
0.134
0.133
0.132
0.132
0.141
0.140
0.139
0.138
0.138
73
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
17
0.024
0.024
0.023
0.023
0.023
18
0.029
0.028
0.028
0.027
0.027
19
0.033
0.033
0.032
0.032
0.031
20
0.037
0.037
0.037
0.036
0.036
21
0.042
0.041
0.041
0.040
0.040
22
0.048
0.047
0.047
0.046
0.046
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.054 0.062 0.071 0.082 0.095
0.054 0.062 0.070 0.082 0.094
0.053 0.061 0.070 0.081 0.093
0.053 0.060 0.069 0.080 0.093
0.052 0.060 0.069 0.080 0.092
2.06
2.07
2.08
2.09
2.10
0.022
0.022
0.022
0.022
0.021
0.027
0.026
0.026
0.026
0.025
0.031
0.031
0.030
0.030
0.029
0.035
0.035
0.034
0.034
0.034
0.039
0.039
0.039
0.038
0.038
0.045
0.045
0.044
0.044
0.044
0.052
0.051
0.051
0.050
0.050
0.059
0.059
0.058
0.058
0.057
0.068
0.067
0.067
0.066
0.066
0.079
0.079
0.078
0.077
0.077
2.11
2.12
2.13
2.14
2.15
0.021
0.021
0.020
0.020
0.020
0.025
0.025
0.024
0.024
0.024
0.029
0.029
0.028
0.028
0.028
0.033
0.033
0.032
0.032
0.032
0.037
0.037
0.037
0.036
0.036
0.043
0.043
0.042
0.042
0.041
0.049
0.049
0.048
0.048
0.047
0.057
0.056
0.056
0.055
0.055
0.065
0.065
0.064
0.064
0.063
2.16
2.17
2.18
2.19
2.20
0.020
0.019
0.019
0.019
0.018
0.023
0.023
0.023
0.023
0.022
0.027
0.027
0.027
0.027
0.026
0.031
0.031
0.031
0.030
0.030
0.035
0.035
0.035
0.034
0.034
0.041
0.041
0.040
0.040
0.040
0.047
0.047
0.046
0.046
0.045
0.054
0.054
0.053
0.053
0.053
2.21
2.22
2.23
2.24
2.25
0.018
0.018
0.018
0.017
0.017
0.022
0.022
0.022
0.021
0.021
0.026
0.026
0.025
0.025
0.025
0.030
0.029
0.029
0.029
0.029
0.034
0.033
0.033
0.033
0.032
0.039
0.039
0.038
0.038
0.038
0.045
0.045
0.044
0.044
0.043
2.26
2.27
2.28
2.29
2.30
0.017
0.017
0.017
0.016
0.016
0.021
0.021
0.020
0.020
0.020
0.025
0.024
0.024
0.024
0.024
0.028
0.028
0.028
0.027
0.027
0.032
0.032
0.031
0.031
0.031
0.037
0.037
0.037
0.036
0.036
2.31
2.32
2.33
2.34
2.35
0.016
0.016
0.016
0.015
0.015
0.020
0.019
0.019
0.019
0.019
0.023
0.023
0.023
0.023
0.022
0.027
0.027
0.026
0.026
0.026
0.031
0.030
0.030
0.030
0.029
2.36
2.37
2.38
2.39
2.40
0.015
0.015
0.015
0.014
0.014
0.018
0.018
0.018
0.018
0.018
0.022
0.022
0.022
0.021
0.021
0.026
0.025
0.025
0.025
0.025
2.41
2.42
2.43
2.44
2.45
0.014
0.014
0.014
0.013
0.013
0.017
0.017
0.017
0.017
0.017
0.021
0.021
0.021
0.020
0.020
2.46
2.47
2.48
2.49
2.50
0.013
0.013
0.013
0.013
0.013
0.017
0.016
0.016
0.016
0.016
2.51
2.52
2.53
2.54
2.55
0.012
0.012
0.012
0.012
0.012
2.56
2.57
2.58
2.59
2.60
0.012
0.012
0.011
0.011
0.011
28
0.107
0.106
0.106
0.105
0.104
29
0.114
0.114
0.113
0.112
0.111
30
0.122
0.121
0.120
0.119
0.119
31
0.127
0.126
0.125
0.124
0.124
32
0.131
0.130
0.129
0.128
0.127
33
0.137
0.136
0.135
0.134
0.133
0.091
0.091
0.090
0.089
0.089
0.103
0.103
0.102
0.101
0.101
0.111
0.110
0.109
0.108
0.108
0.118
0.117
0.116
0.115
0.115
0.123
0.122
0.121
0.120
0.119
0.126
0.125
0.124
0.124
0.123
0.132
0.131
0.130
0.129
0.128
0.076
0.076
0.075
0.075
0.074
0.088
0.088
0.087
0.086
0.086
0.100
0.099
0.099
0.098
0.098
0.107
0.106
0.106
0.105
0.104
0.114
0.113
0.112
0.112
0.111
0.119
0.118
0.117
0.116
0.116
0.122
0.121
0.120
0.120
0.119
0.128
0.127
0.126
0.125
0.124
0.063
0.062
0.062
0.061
0.061
0.073
0.073
0.072
0.072
0.071
0.085
0.085
0.084
0.084
0.083
0.097
0.096
0.096
0.095
0.095
0.104
0.103
0.102
0.102
0.101
0.110
0.110
0.109
0.108
0.108
0.115
0.114
0.113
0.113
0.112
0.118
0.117
0.116
0.116
0.115
0.123
0.123
0.122
0.121
0.120
0.052
0.052
0.051
0.051
0.051
0.060
0.060
0.060
0.059
0.059
0.071
0.070
0.070
0.070
0.069
0.083
0.082
0.082
0.081
0.081
0.094
0.093
0.093
0.092
0.092
0.101
0.100
0.099
0.099
0.098
0.107
0.106
0.106
0.105
0.105
0.111
0.111
0.110
0.109
0.109
0.114
0.113
0.113
0.112
0.111
0.119
0.119
0.118
0.117
0.116
0.043
0.043
0.042
0.042
0.042
0.050
0.050
0.049
0.049
0.049
0.058
0.058
0.057
0.057
0.057
0.069
0.068
0.068
0.067
0.067
0.080
0.080
0.079
0.079
0.078
0.091
0.091
0.090
0.090
0.089
0.098
0.097
0.096
0.096
0.095
0.104
0.103
0.103
0.102
0.102
0.108
0.107
0.107
0.106
0.106
0.111
0.110
0.109
0.109
0.108
0.116
0.115
0.114
0.114
0.113
0.036
0.036
0.035
0.035
0.035
0.041
0.041
0.041
0.040
0.040
0.048
0.048
0.048
0.047
0.047
0.056
0.056
0.056
0.055
0.055
0.066
0.066
0.066
0.065
0.065
0.078
0.077
0.077
0.076
0.076
0.089
0.088
0.088
0.087
0.087
0.095
0.094
0.094
0.093
0.093
0.101
0.100
0.100
0.099
0.099
0.105
0.104
0.104
0.103
0.103
0.107
0.107
0.106
0.105
0.105
0.112
0.112
0.111
0.110
0.110
0.029
0.029
0.029
0.028
0.028
0.034
0.034
0.034
0.033
0.033
0.040
0.039
0.039
0.039
0.039
0.047
0.046
0.046
0.046
0.045
0.054
0.054
0.054
0.053
0.053
0.064
0.064
0.063
0.063
0.063
0.075
0.075
0.074
0.074
0.074
0.086
0.086
0.085
0.085
0.084
0.092
0.092
0.091
0.091
0.090
0.098
0.098
0.097
0.097
0.096
0.102
0.101
0.101
0.100
0.100
0.104
0.104
0.103
0.102
0.102
0.109
0.108
0.108
0.107
0.106
0.024
0.024
0.024
0.024
0.024
0.028
0.028
0.027
0.027
0.027
0.033
0.033
0.032
0.032
0.032
0.038
0.038
0.038
0.037
0.037
0.045
0.045
0.044
0.044
0.044
0.053
0.052
0.052
0.052
0.051
0.062
0.062
0.062
0.061
0.061
0.073
0.073
0.072
0.072
0.072
0.084
0.083
0.083
0.083
0.082
0.090
0.089
0.089
0.088
0.088
0.096
0.095
0.095
0.094
0.094
0.099
0.099
0.098
0.098
0.097
0.101
0.101
0.100
0.100
0.099
0.106
0.105
0.105
0.104
0.103
0.020
0.020
0.020
0.019
0.019
0.023
0.023
0.023
0.023
0.023
0.027
0.027
0.026
0.026
0.026
0.032
0.031
0.031
0.031
0.031
0.037
0.037
0.036
0.036
0.036
0.043
0.043
0.043
0.043
0.042
0.051
0.051
0.050
0.050
0.050
0.060
0.060
0.060
0.059
0.059
0.071
0.071
0.070
0.070
0.070
0.082
0.081
0.081
0.081
0.080
0.087
0.087
0.087
0.086
0.086
0.093
0.093
0.092
0.092
0.091
0.096
0.096
0.095
0.095
0.094
0.098
0.098
0.097
0.097
0.096
0.103
0.102
0.102
0.101
0.100
0.016
0.016
0.015
0.015
0.015
0.019
0.019
0.019
0.018
0.018
0.022
0.022
0.022
0.022
0.022
0.026
0.025
0.025
0.025
0.025
0.030
0.030
0.030
0.030
0.030
0.035
0.035
0.035
0.035
0.034
0.042
0.042
0.041
0.041
0.041
0.049
0.049
0.049
0.048
0.048
0.059
0.058
0.058
0.058
0.057
0.069
0.069
0.068
0.068
0.068
0.080
0.079
0.079
0.079
0.078
0.085
0.085
0.084
0.084
0.084
0.091
0.090
0.090
0.089
0.089
0.094
0.093
0.093
0.092
0.092
0.096
0.095
0.095
0.094
0.094
0.100
0.099
0.099
0.098
0.098
0.015
0.015
0.015
0.014
0.014
0.018
0.018
0.018
0.018
0.017
0.021
0.021
0.021
0.021
0.021
0.025
0.024
0.024
0.024
0.024
0.029
0.029
0.029
0.029
0.028
0.034
0.034
0.034
0.034
0.033
0.041
0.040
0.040
0.040
0.040
0.048
0.048
0.047
0.047
0.047
0.057
0.057
0.056
0.056
0.056
0.067
0.067
0.067
0.066
0.066
0.078
0.077
0.077
0.077
0.076
0.083
0.083
0.082
0.082
0.082
0.089
0.088
0.088
0.087
0.087
0.092
0.091
0.091
0.090
0.090
0.093
0.093
0.092
0.092
0.091
0.097
0.097
0.096
0.096
0.095
74
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
17
0.011
0.011
0.011
0.011
0.011
18
0.014
0.014
0.014
0.014
0.014
19
0.017
0.017
0.017
0.017
0.017
20
0.020
0.020
0.020
0.020
0.020
21
0.024
0.023
0.023
0.023
0.023
22
0.028
0.028
0.028
0.028
0.027
Expected Unlimited Loss & ALAE Group
23
24
25
26
27
0.033 0.039 0.046 0.055 0.066
0.033 0.039 0.046 0.055 0.065
0.033 0.039 0.046 0.055 0.065
0.032 0.039 0.046 0.054 0.065
0.032 0.038 0.045 0.054 0.064
2.66
2.67
2.68
2.69
2.70
0.010
0.010
0.010
0.010
0.010
0.013
0.013
0.013
0.013
0.013
0.017
0.016
0.016
0.016
0.016
0.020
0.019
0.019
0.019
0.019
0.023
0.023
0.022
0.022
0.022
0.027
0.027
0.027
0.027
0.026
0.032
0.032
0.031
0.031
0.031
0.038
0.038
0.038
0.037
0.037
0.045
0.045
0.044
0.044
0.044
0.054
0.054
0.053
0.053
0.053
2.71
2.72
2.73
2.74
2.75
0.010
0.010
0.010
0.009
0.009
0.013
0.013
0.013
0.012
0.012
0.016
0.016
0.016
0.015
0.015
0.019
0.019
0.019
0.018
0.018
0.022
0.022
0.021
0.021
0.021
0.026
0.026
0.026
0.026
0.025
0.031
0.031
0.030
0.030
0.030
0.037
0.037
0.036
0.036
0.036
0.044
0.043
0.043
0.043
0.043
2.76
2.77
2.78
2.79
2.80
0.009
0.009
0.009
0.009
0.009
0.012
0.012
0.012
0.012
0.012
0.015
0.015
0.015
0.015
0.015
0.018
0.018
0.018
0.018
0.017
0.021
0.021
0.021
0.021
0.020
0.025
0.025
0.025
0.025
0.025
0.030
0.030
0.029
0.029
0.029
0.036
0.035
0.035
0.035
0.035
2.81
2.82
2.83
2.84
2.85
0.009
0.009
0.008
0.008
0.008
0.012
0.011
0.011
0.011
0.011
0.014
0.014
0.014
0.014
0.014
0.017
0.017
0.017
0.017
0.017
0.020
0.020
0.020
0.020
0.020
0.024
0.024
0.024
0.024
0.024
0.029
0.029
0.028
0.028
0.028
2.86
2.87
2.88
2.89
2.90
0.008
0.008
0.008
0.007
0.007
0.011
0.011
0.011
0.010
0.010
0.014
0.014
0.014
0.013
0.013
0.017
0.017
0.016
0.016
0.016
0.020
0.019
0.019
0.019
0.019
0.024
0.023
0.023
0.023
0.023
2.91
2.92
2.93
2.94
2.95
0.006
0.006
0.006
0.006
0.005
0.009
0.009
0.009
0.009
0.009
0.013
0.012
0.012
0.012
0.012
0.016
0.016
0.016
0.015
0.015
0.019
0.019
0.019
0.019
0.019
2.96
2.97
2.98
2.99
3.00
0.005
0.005
0.005
0.005
0.005
0.009
0.009
0.009
0.009
0.008
0.012
0.012
0.012
0.012
0.012
0.015
0.015
0.015
0.015
0.015
0.019
0.019
0.019
0.019
0.019
28
0.076
0.076
0.075
0.075
0.075
29
0.081
0.081
0.080
0.080
0.080
30
0.086
0.086
0.086
0.085
0.085
31
0.089
0.089
0.088
0.088
0.087
32
0.091
0.090
0.090
0.089
0.089
33
0.094
0.094
0.093
0.093
0.093
0.064
0.064
0.063
0.063
0.063
0.074
0.074
0.073
0.073
0.073
0.079
0.079
0.079
0.078
0.078
0.084
0.084
0.083
0.083
0.083
0.087
0.087
0.086
0.086
0.085
0.088
0.088
0.087
0.087
0.086
0.092
0.092
0.091
0.091
0.090
0.052
0.052
0.052
0.052
0.051
0.062
0.062
0.062
0.061
0.061
0.072
0.072
0.072
0.071
0.071
0.077
0.077
0.077
0.076
0.076
0.082
0.082
0.082
0.081
0.081
0.085
0.084
0.084
0.084
0.083
0.086
0.086
0.085
0.085
0.084
0.090
0.089
0.089
0.088
0.088
0.042
0.042
0.042
0.042
0.042
0.051
0.051
0.051
0.050
0.050
0.061
0.061
0.060
0.060
0.060
0.071
0.070
0.070
0.070
0.069
0.076
0.075
0.075
0.075
0.074
0.080
0.080
0.080
0.079
0.079
0.083
0.082
0.082
0.082
0.081
0.084
0.084
0.083
0.083
0.082
0.087
0.087
0.087
0.086
0.086
0.035
0.034
0.034
0.034
0.034
0.041
0.041
0.041
0.041
0.040
0.050
0.049
0.049
0.049
0.049
0.059
0.059
0.059
0.059
0.058
0.069
0.069
0.068
0.068
0.068
0.074
0.074
0.073
0.073
0.073
0.079
0.078
0.078
0.077
0.077
0.081
0.080
0.080
0.080
0.079
0.082
0.081
0.081
0.081
0.080
0.085
0.085
0.084
0.084
0.084
0.028
0.028
0.028
0.027
0.027
0.034
0.033
0.033
0.033
0.033
0.040
0.040
0.040
0.040
0.039
0.048
0.048
0.048
0.048
0.047
0.058
0.058
0.057
0.057
0.057
0.068
0.067
0.067
0.067
0.066
0.072
0.072
0.072
0.071
0.071
0.077
0.076
0.076
0.076
0.075
0.079
0.079
0.078
0.078
0.078
0.080
0.080
0.079
0.079
0.078
0.083
0.083
0.082
0.082
0.082
0.023
0.023
0.023
0.023
0.023
0.027
0.027
0.027
0.027
0.027
0.033
0.033
0.033
0.032
0.032
0.039
0.039
0.039
0.039
0.039
0.047
0.047
0.047
0.047
0.047
0.057
0.056
0.056
0.055
0.055
0.066
0.066
0.063
0.063
0.063
0.071
0.070
0.070
0.069
0.069
0.075
0.075
0.074
0.074
0.074
0.077
0.077
0.076
0.076
0.076
0.078
0.078
0.078
0.078
0.078
0.081
0.081
0.081
0.081
0.081
0.023
0.023
0.023
0.023
0.023
0.027
0.027
0.027
0.027
0.027
0.032
0.032
0.032
0.032
0.032
0.039
0.039
0.039
0.039
0.039
0.047
0.047
0.047
0.046
0.046
0.055
0.054
0.054
0.054
0.053
0.063
0.062
0.061
0.060
0.060
0.068
0.068
0.067
0.067
0.065
0.072
0.072
0.072
0.071
0.071
0.076
0.075
0.075
0.074
0.074
0.078
0.078
0.078
0.078
0.078
0.081
0.081
0.081
0.081
0.081
75
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.990 0.990 0.990 0.990 0.990
0.000 0.000 0.000 0.000 0.000
0.980 0.981 0.981 0.981 0.981
0.000 0.001 0.001 0.001 0.001
0.971 0.971 0.971 0.971 0.971
0.001 0.001 0.001 0.001 0.001
34
0.990
0.000
0.980
0.000
0.970
0.000
35
0.990
0.000
0.980
0.000
0.971
0.001
36
0.990
0.000
0.980
0.000
0.971
0.001
37
0.990
0.000
0.980
0.000
0.971
0.001
38
0.990
0.000
0.980
0.000
0.971
0.001
39
0.990
0.000
0.980
0.000
0.971
0.001
45
0.990
0.000
0.981
0.001
0.972
0.002
46
0.990
0.000
0.981
0.001
0.972
0.002
47
0.990
0.000
0.981
0.001
0.972
0.002
48
0.990
0.000
0.981
0.001
0.972
0.002
49
0.990
0.000
0.981
0.001
0.973
0.003
50
0.990
0.000
0.982
0.002
0.973
0.003
0.961
0.001
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.941
0.001
0.961
0.001
0.951
0.001
0.942
0.002
0.961
0.001
0.951
0.001
0.942
0.002
0.961
0.001
0.952
0.002
0.942
0.002
0.961
0.001
0.952
0.002
0.942
0.002
0.961
0.001
0.952
0.002
0.943
0.003
0.962
0.002
0.952
0.002
0.943
0.003
0.962
0.002
0.953
0.003
0.943
0.003
0.962
0.002
0.953
0.003
0.944
0.004
0.962
0.002
0.953
0.003
0.944
0.004
0.963
0.003
0.954
0.004
0.945
0.005
0.963
0.003
0.954
0.004
0.945
0.005
0.963
0.003
0.954
0.004
0.946
0.006
0.963
0.003
0.955
0.005
0.946
0.006
0.964
0.004
0.955
0.005
0.947
0.007
0.964
0.004
0.956
0.006
0.947
0.007
0.931
0.001
0.922
0.002
0.912
0.002
0.932
0.002
0.922
0.002
0.912
0.002
0.932
0.002
0.922
0.002
0.913
0.003
0.932
0.002
0.923
0.003
0.913
0.003
0.933
0.003
0.923
0.003
0.914
0.004
0.933
0.003
0.923
0.003
0.914
0.004
0.933
0.003
0.924
0.004
0.915
0.005
0.934
0.004
0.924
0.004
0.915
0.005
0.934
0.004
0.925
0.005
0.916
0.006
0.934
0.004
0.926
0.006
0.917
0.007
0.935
0.005
0.926
0.006
0.917
0.007
0.936
0.006
0.927
0.007
0.918
0.008
0.936
0.006
0.927
0.007
0.919
0.009
0.937
0.007
0.928
0.008
0.920
0.010
0.938
0.008
0.929
0.009
0.921
0.011
0.938
0.008
0.930
0.010
0.922
0.012
0.939
0.009
0.931
0.011
0.923
0.013
0.903
0.003
0.893
0.003
0.884
0.004
0.903
0.003
0.894
0.004
0.884
0.004
0.903
0.003
0.894
0.004
0.885
0.005
0.904
0.004
0.895
0.005
0.886
0.006
0.904
0.004
0.895
0.005
0.886
0.006
0.905
0.005
0.896
0.006
0.887
0.007
0.906
0.006
0.897
0.007
0.888
0.008
0.906
0.006
0.897
0.007
0.889
0.009
0.907
0.007
0.898
0.008
0.890
0.010
0.908
0.008
0.899
0.009
0.891
0.011
0.909
0.009
0.900
0.010
0.892
0.012
0.910
0.010
0.901
0.011
0.893
0.013
0.910
0.010
0.902
0.012
0.894
0.014
0.911
0.011
0.903
0.013
0.895
0.015
0.913
0.013
0.904
0.014
0.897
0.017
0.914
0.014
0.906
0.016
0.898
0.018
0.915
0.015
0.907
0.017
0.899
0.019
0.874
0.004
0.865
0.005
0.856
0.006
0.875
0.005
0.866
0.006
0.856
0.006
0.876
0.006
0.866
0.006
0.857
0.007
0.876
0.006
0.867
0.007
0.858
0.008
0.877
0.007
0.868
0.008
0.859
0.009
0.878
0.008
0.869
0.009
0.860
0.010
0.879
0.009
0.870
0.010
0.861
0.011
0.880
0.010
0.871
0.011
0.863
0.013
0.881
0.011
0.872
0.012
0.864
0.014
0.882
0.012
0.874
0.014
0.865
0.015
0.883
0.013
0.875
0.015
0.867
0.017
0.885
0.015
0.876
0.016
0.868
0.018
0.886
0.016
0.878
0.018
0.870
0.020
0.887
0.017
0.879
0.019
0.872
0.022
0.889
0.019
0.881
0.021
0.873
0.023
0.890
0.020
0.883
0.023
0.875
0.025
0.892
0.022
0.884
0.024
0.877
0.027
0.846
0.006
0.837
0.007
0.828
0.008
0.847
0.007
0.838
0.008
0.829
0.009
0.848
0.008
0.839
0.009
0.830
0.010
0.849
0.009
0.841
0.011
0.832
0.012
0.850
0.010
0.842
0.012
0.833
0.013
0.852
0.012
0.843
0.013
0.834
0.014
0.853
0.013
0.844
0.014
0.836
0.016
0.854
0.014
0.846
0.016
0.838
0.018
0.856
0.016
0.847
0.017
0.839
0.019
0.857
0.017
0.849
0.019
0.841
0.021
0.859
0.019
0.851
0.021
0.843
0.023
0.861
0.021
0.853
0.023
0.845
0.025
0.862
0.022
0.855
0.025
0.847
0.027
0.864
0.024
0.856
0.026
0.849
0.029
0.866
0.026
0.859
0.029
0.851
0.031
0.868
0.028
0.861
0.031
0.853
0.033
0.870
0.030
0.863
0.033
0.856
0.036
0.819
0.009
0.810
0.010
0.801
0.011
0.820
0.010
0.811
0.011
0.802
0.012
0.822
0.012
0.813
0.013
0.804
0.014
0.823
0.013
0.814
0.014
0.806
0.016
0.824
0.014
0.816
0.016
0.807
0.017
0.826
0.016
0.818
0.018
0.809
0.019
0.828
0.018
0.819
0.019
0.811
0.021
0.829
0.019
0.821
0.021
0.813
0.023
0.831
0.021
0.823
0.023
0.815
0.025
0.833
0.023
0.825
0.025
0.818
0.028
0.835
0.025
0.828
0.028
0.820
0.030
0.837
0.027
0.830
0.030
0.822
0.032
0.839
0.029
0.832
0.032
0.825
0.035
0.842
0.032
0.834
0.034
0.827
0.037
0.844
0.034
0.837
0.037
0.830
0.040
0.846
0.036
0.839
0.039
0.832
0.042
0.849
0.039
0.842
0.042
0.835
0.045
0.792
0.012
0.784
0.014
0.775
0.015
0.794
0.014
0.785
0.015
0.776
0.016
0.796
0.016
0.787
0.017
0.779
0.019
0.797
0.017
0.789
0.019
0.781
0.021
0.799
0.019
0.791
0.021
0.783
0.023
0.801
0.021
0.793
0.023
0.785
0.025
0.803
0.023
0.795
0.025
0.787
0.027
0.805
0.025
0.797
0.027
0.790
0.030
0.808
0.028
0.800
0.030
0.792
0.032
0.810
0.030
0.802
0.032
0.795
0.035
0.812
0.032
0.805
0.035
0.798
0.038
0.815
0.035
0.808
0.038
0.800
0.040
0.818
0.038
0.810
0.040
0.803
0.043
0.820
0.040
0.813
0.043
0.806
0.046
0.823
0.043
0.816
0.046
0.809
0.049
0.826
0.046
0.819
0.049
0.812
0.052
0.828
0.048
0.822
0.052
0.815
0.055
0.766
0.016
0.758
0.018
0.749
0.019
0.768
0.018
0.759
0.019
0.751
0.021
0.770
0.020
0.762
0.022
0.754
0.024
0.772
0.022
0.764
0.024
0.756
0.026
0.775
0.025
0.767
0.027
0.759
0.029
0.777
0.027
0.769
0.029
0.761
0.031
0.779
0.029
0.772
0.032
0.764
0.034
0.782
0.032
0.774
0.034
0.767
0.037
0.785
0.035
0.777
0.037
0.770
0.040
0.787
0.037
0.780
0.040
0.773
0.043
0.790
0.040
0.783
0.043
0.776
0.046
0.793
0.043
0.786
0.046
0.779
0.049
0.796
0.046
0.790
0.050
0.783
0.053
0.799
0.049
0.793
0.053
0.786
0.056
0.803
0.053
0.796
0.056
0.789
0.059
0.806
0.056
0.799
0.059
0.793
0.063
0.809
0.059
0.802
0.062
0.796
0.066
0.741
0.021
0.732
0.022
0.724
0.024
0.743
0.023
0.735
0.025
0.726
0.026
0.746
0.026
0.738
0.028
0.730
0.030
0.748
0.028
0.740
0.030
0.732
0.032
0.751
0.031
0.743
0.033
0.735
0.035
0.753
0.033
0.746
0.036
0.738
0.038
0.756
0.036
0.749
0.039
0.741
0.041
0.759
0.039
0.752
0.042
0.745
0.045
0.763
0.043
0.755
0.045
0.748
0.048
0.766
0.046
0.759
0.049
0.752
0.052
0.769
0.049
0.762
0.052
0.755
0.055
0.773
0.053
0.766
0.056
0.759
0.059
0.776
0.056
0.769
0.059
0.763
0.063
0.779
0.059
0.773
0.063
0.767
0.067
0.783
0.063
0.777
0.067
0.770
0.070
0.786
0.066
0.780
0.070
0.774
0.074
0.790
0.070
0.784
0.074
0.778
0.078
76
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.734 0.738 0.741 0.745 0.749
0.044 0.048 0.051 0.055 0.059
0.727 0.731 0.734 0.738 0.742
0.047 0.051 0.054 0.058 0.062
0.720 0.724 0.727 0.731 0.735
0.050 0.054 0.057 0.061 0.065
34
0.716
0.026
0.708
0.028
0.700
0.030
35
0.718
0.028
0.710
0.030
0.703
0.033
36
0.722
0.032
0.714
0.034
0.706
0.036
37
0.725
0.035
0.717
0.037
0.709
0.039
38
0.728
0.038
0.720
0.040
0.713
0.043
39
0.731
0.041
0.723
0.043
0.716
0.046
45
0.753
0.063
0.746
0.066
0.740
0.070
46
0.756
0.066
0.750
0.070
0.744
0.074
47
0.760
0.070
0.754
0.074
0.748
0.078
48
0.764
0.074
0.758
0.078
0.752
0.082
49
0.768
0.078
0.762
0.082
0.756
0.086
50
0.772
0.082
0.766
0.086
0.760
0.090
0.692
0.032
0.684
0.034
0.676
0.036
0.695
0.035
0.687
0.037
0.679
0.039
0.698
0.038
0.691
0.041
0.683
0.043
0.702
0.042
0.695
0.045
0.687
0.047
0.705
0.045
0.698
0.048
0.691
0.051
0.709
0.049
0.702
0.052
0.695
0.055
0.713
0.053
0.706
0.056
0.699
0.059
0.717
0.057
0.710
0.060
0.703
0.063
0.721
0.061
0.714
0.064
0.707
0.067
0.725
0.065
0.718
0.068
0.712
0.072
0.729
0.069
0.723
0.073
0.716
0.076
0.733
0.073
0.727
0.077
0.721
0.081
0.737
0.077
0.731
0.081
0.725
0.085
0.742
0.082
0.736
0.086
0.730
0.090
0.746
0.086
0.740
0.090
0.734
0.094
0.750
0.090
0.744
0.094
0.739
0.099
0.754
0.094
0.749
0.099
0.743
0.103
0.669
0.039
0.661
0.041
0.654
0.044
0.672
0.042
0.664
0.044
0.657
0.047
0.676
0.046
0.669
0.049
0.662
0.052
0.680
0.050
0.673
0.053
0.666
0.056
0.684
0.054
0.677
0.057
0.670
0.060
0.688
0.058
0.681
0.061
0.674
0.064
0.692
0.062
0.685
0.065
0.679
0.069
0.696
0.066
0.690
0.070
0.683
0.073
0.701
0.071
0.694
0.074
0.688
0.078
0.705
0.075
0.699
0.079
0.693
0.083
0.710
0.080
0.704
0.084
0.698
0.088
0.715
0.085
0.709
0.089
0.703
0.093
0.719
0.089
0.713
0.093
0.707
0.097
0.724
0.094
0.718
0.098
0.712
0.102
0.728
0.098
0.723
0.103
0.717
0.107
0.733
0.103
0.727
0.107
0.722
0.112
0.738
0.108
0.732
0.112
0.727
0.117
0.646
0.046
0.639
0.049
0.632
0.052
0.650
0.050
0.642
0.052
0.635
0.055
0.654
0.054
0.647
0.057
0.640
0.060
0.659
0.059
0.652
0.062
0.645
0.065
0.663
0.063
0.656
0.066
0.649
0.069
0.667
0.067
0.661
0.071
0.654
0.074
0.672
0.072
0.665
0.075
0.659
0.079
0.677
0.077
0.670
0.080
0.664
0.084
0.682
0.082
0.675
0.085
0.669
0.089
0.687
0.087
0.681
0.091
0.675
0.095
0.692
0.092
0.686
0.096
0.680
0.100
0.697
0.097
0.691
0.101
0.685
0.105
0.702
0.102
0.696
0.106
0.690
0.110
0.707
0.107
0.701
0.111
0.696
0.116
0.712
0.112
0.706
0.116
0.701
0.121
0.716
0.116
0.711
0.121
0.706
0.126
0.721
0.121
0.716
0.126
0.711
0.131
0.624
0.054
0.617
0.057
0.610
0.060
0.628
0.058
0.621
0.061
0.614
0.064
0.634
0.064
0.627
0.067
0.620
0.070
0.638
0.068
0.632
0.072
0.625
0.075
0.643
0.073
0.636
0.076
0.630
0.080
0.648
0.078
0.641
0.081
0.635
0.085
0.653
0.083
0.646
0.086
0.640
0.090
0.658
0.088
0.652
0.092
0.646
0.096
0.663
0.093
0.657
0.097
0.651
0.101
0.669
0.099
0.663
0.103
0.657
0.107
0.674
0.104
0.668
0.108
0.663
0.113
0.680
0.110
0.674
0.114
0.668
0.118
0.685
0.115
0.679
0.119
0.674
0.124
0.690
0.120
0.685
0.125
0.679
0.129
0.695
0.125
0.690
0.130
0.685
0.135
0.701
0.131
0.695
0.135
0.690
0.140
0.706
0.136
0.701
0.141
0.696
0.146
0.603
0.063
0.596
0.066
0.590
0.070
0.608
0.068
0.601
0.071
0.594
0.074
0.613
0.073
0.607
0.077
0.600
0.080
0.619
0.079
0.612
0.082
0.606
0.086
0.624
0.084
0.617
0.087
0.611
0.091
0.629
0.089
0.623
0.093
0.616
0.096
0.634
0.094
0.628
0.098
0.622
0.102
0.640
0.100
0.634
0.104
0.628
0.108
0.645
0.105
0.640
0.110
0.634
0.114
0.651
0.111
0.646
0.116
0.640
0.120
0.657
0.117
0.652
0.122
0.646
0.126
0.663
0.123
0.658
0.128
0.652
0.132
0.669
0.129
0.663
0.133
0.658
0.138
0.674
0.134
0.669
0.139
0.664
0.144
0.680
0.140
0.675
0.145
0.670
0.150
0.685
0.145
0.680
0.150
0.675
0.155
0.691
0.151
0.686
0.156
0.681
0.161
0.583
0.073
0.576
0.076
0.570
0.080
0.588
0.078
0.581
0.081
0.575
0.085
0.594
0.084
0.588
0.088
0.581
0.091
0.600
0.090
0.593
0.093
0.587
0.097
0.605
0.095
0.599
0.099
0.593
0.103
0.610
0.100
0.605
0.105
0.599
0.109
0.616
0.106
0.611
0.111
0.605
0.115
0.622
0.112
0.617
0.117
0.611
0.121
0.628
0.118
0.623
0.123
0.617
0.127
0.635
0.125
0.629
0.129
0.624
0.134
0.641
0.131
0.636
0.136
0.630
0.140
0.647
0.137
0.642
0.142
0.637
0.147
0.653
0.143
0.648
0.148
0.643
0.153
0.659
0.149
0.654
0.154
0.649
0.159
0.665
0.155
0.660
0.160
0.655
0.165
0.671
0.161
0.666
0.166
0.661
0.171
0.676
0.166
0.672
0.172
0.667
0.177
0.563
0.083
0.557
0.087
0.551
0.091
0.569
0.089
0.562
0.092
0.556
0.096
0.575
0.095
0.569
0.099
0.563
0.103
0.581
0.101
0.575
0.105
0.569
0.109
0.587
0.107
0.581
0.111
0.575
0.115
0.593
0.113
0.587
0.117
0.581
0.121
0.599
0.119
0.593
0.123
0.588
0.128
0.605
0.125
0.600
0.130
0.595
0.135
0.612
0.132
0.607
0.137
0.601
0.141
0.618
0.138
0.613
0.143
0.608
0.148
0.625
0.145
0.620
0.150
0.615
0.155
0.632
0.152
0.627
0.157
0.622
0.162
0.638
0.158
0.633
0.163
0.628
0.168
0.644
0.164
0.639
0.169
0.635
0.175
0.650
0.170
0.646
0.176
0.641
0.181
0.656
0.176
0.652
0.182
0.647
0.187
0.663
0.183
0.658
0.188
0.654
0.194
0.545
0.095
0.538
0.098
0.532
0.102
0.550
0.100
0.544
0.104
0.538
0.108
0.557
0.107
0.551
0.111
0.545
0.115
0.564
0.114
0.558
0.118
0.552
0.122
0.570
0.120
0.564
0.124
0.558
0.128
0.576
0.126
0.570
0.130
0.565
0.135
0.582
0.132
0.577
0.137
0.572
0.142
0.589
0.139
0.584
0.144
0.579
0.149
0.596
0.146
0.591
0.151
0.586
0.156
0.603
0.153
0.598
0.158
0.593
0.163
0.610
0.160
0.605
0.165
0.600
0.170
0.617
0.167
0.612
0.172
0.607
0.177
0.623
0.173
0.619
0.179
0.614
0.184
0.630
0.180
0.625
0.185
0.621
0.191
0.636
0.186
0.632
0.192
0.627
0.197
0.643
0.193
0.638
0.198
0.634
0.204
0.649
0.199
0.645
0.205
0.641
0.211
0.526
0.106
0.520
0.110
0.515
0.115
0.532
0.112
0.526
0.116
0.521
0.121
0.540
0.120
0.534
0.124
0.528
0.128
0.546
0.126
0.541
0.131
0.535
0.135
0.553
0.133
0.547
0.137
0.542
0.142
0.560
0.140
0.554
0.144
0.549
0.149
0.566
0.146
0.561
0.151
0.556
0.156
0.573
0.153
0.568
0.158
0.563
0.163
0.581
0.161
0.576
0.166
0.571
0.171
0.588
0.168
0.583
0.173
0.578
0.178
0.595
0.175
0.591
0.181
0.586
0.186
0.602
0.182
0.598
0.188
0.593
0.193
0.609
0.189
0.605
0.195
0.600
0.200
0.616
0.196
0.612
0.202
0.608
0.208
0.623
0.203
0.619
0.209
0.614
0.214
0.630
0.210
0.625
0.215
0.621
0.221
0.636
0.216
0.632
0.222
0.628
0.228
77
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.551 0.558 0.566 0.574 0.581
0.161 0.168 0.176 0.184 0.191
0.546 0.553 0.561 0.569 0.577
0.166 0.173 0.181 0.189 0.197
0.541 0.549 0.556 0.564 0.572
0.171 0.179 0.186 0.194 0.202
34
0.509
0.119
0.503
0.123
0.498
0.128
35
0.515
0.125
0.509
0.129
0.504
0.134
36
0.523
0.133
0.517
0.137
0.512
0.142
37
0.530
0.140
0.525
0.145
0.519
0.149
38
0.537
0.147
0.532
0.152
0.526
0.156
39
0.544
0.154
0.539
0.159
0.534
0.164
45
0.589
0.199
0.584
0.204
0.580
0.210
46
0.596
0.206
0.592
0.212
0.587
0.217
47
0.603
0.213
0.599
0.219
0.595
0.225
48
0.610
0.220
0.606
0.226
0.602
0.232
49
0.617
0.227
0.613
0.233
0.609
0.239
50
0.624
0.234
0.620
0.240
0.616
0.246
0.492
0.132
0.486
0.136
0.481
0.141
0.498
0.138
0.493
0.143
0.488
0.148
0.507
0.147
0.502
0.152
0.496
0.156
0.514
0.154
0.509
0.159
0.504
0.164
0.521
0.161
0.516
0.166
0.511
0.171
0.529
0.169
0.524
0.174
0.519
0.179
0.536
0.176
0.531
0.181
0.527
0.187
0.544
0.184
0.539
0.189
0.535
0.195
0.552
0.192
0.547
0.197
0.543
0.203
0.560
0.200
0.555
0.205
0.551
0.211
0.568
0.208
0.563
0.213
0.559
0.219
0.575
0.215
0.571
0.221
0.567
0.227
0.583
0.223
0.579
0.229
0.575
0.235
0.591
0.231
0.586
0.236
0.582
0.242
0.598
0.238
0.594
0.244
0.590
0.250
0.605
0.245
0.601
0.251
0.597
0.257
0.612
0.252
0.608
0.258
0.604
0.264
0.476
0.146
0.471
0.151
0.465
0.155
0.483
0.153
0.477
0.157
0.472
0.162
0.491
0.161
0.486
0.166
0.481
0.171
0.499
0.169
0.494
0.174
0.489
0.179
0.506
0.176
0.502
0.182
0.497
0.187
0.514
0.184
0.509
0.189
0.505
0.195
0.522
0.192
0.517
0.197
0.513
0.203
0.530
0.200
0.525
0.205
0.521
0.211
0.538
0.208
0.534
0.214
0.529
0.219
0.546
0.216
0.542
0.222
0.538
0.228
0.555
0.225
0.551
0.231
0.546
0.236
0.563
0.233
0.559
0.239
0.555
0.245
0.571
0.241
0.567
0.247
0.563
0.253
0.578
0.248
0.574
0.254
0.570
0.260
0.586
0.256
0.582
0.262
0.578
0.268
0.593
0.263
0.589
0.269
0.585
0.275
0.600
0.270
0.597
0.277
0.593
0.283
0.460
0.160
0.455
0.165
0.450
0.170
0.467
0.167
0.462
0.172
0.458
0.178
0.476
0.176
0.472
0.182
0.467
0.187
0.485
0.185
0.480
0.190
0.475
0.195
0.492
0.192
0.487
0.197
0.483
0.203
0.500
0.200
0.495
0.205
0.491
0.211
0.508
0.208
0.504
0.214
0.499
0.219
0.516
0.216
0.512
0.222
0.508
0.228
0.525
0.225
0.521
0.231
0.517
0.237
0.534
0.234
0.529
0.239
0.525
0.245
0.542
0.242
0.538
0.248
0.534
0.254
0.551
0.251
0.547
0.257
0.543
0.263
0.559
0.259
0.555
0.265
0.551
0.271
0.567
0.267
0.563
0.273
0.559
0.279
0.574
0.274
0.570
0.280
0.567
0.287
0.582
0.282
0.578
0.288
0.574
0.294
0.589
0.289
0.586
0.296
0.582
0.302
0.445
0.175
0.440
0.180
0.436
0.186
0.453
0.183
0.448
0.188
0.443
0.193
0.462
0.192
0.457
0.197
0.453
0.203
0.471
0.201
0.466
0.206
0.462
0.212
0.478
0.208
0.474
0.214
0.470
0.220
0.487
0.217
0.482
0.222
0.478
0.228
0.495
0.225
0.491
0.231
0.487
0.237
0.504
0.234
0.499
0.239
0.495
0.245
0.512
0.242
0.508
0.248
0.504
0.254
0.521
0.251
0.517
0.257
0.513
0.263
0.530
0.260
0.526
0.266
0.522
0.272
0.539
0.269
0.535
0.275
0.531
0.281
0.547
0.277
0.543
0.283
0.540
0.290
0.555
0.285
0.552
0.292
0.548
0.298
0.563
0.293
0.559
0.299
0.556
0.306
0.571
0.301
0.567
0.307
0.564
0.314
0.579
0.309
0.575
0.315
0.572
0.322
0.431
0.191
0.426
0.196
0.422
0.202
0.439
0.199
0.434
0.204
0.430
0.210
0.448
0.208
0.444
0.214
0.440
0.220
0.457
0.217
0.453
0.223
0.448
0.228
0.465
0.225
0.461
0.231
0.457
0.237
0.474
0.234
0.469
0.239
0.465
0.245
0.482
0.242
0.478
0.248
0.474
0.254
0.491
0.251
0.487
0.257
0.483
0.263
0.500
0.260
0.496
0.266
0.492
0.272
0.509
0.269
0.506
0.276
0.502
0.282
0.519
0.279
0.515
0.285
0.511
0.291
0.527
0.287
0.524
0.294
0.520
0.300
0.536
0.296
0.532
0.302
0.529
0.309
0.544
0.304
0.541
0.311
0.537
0.317
0.552
0.312
0.549
0.319
0.545
0.325
0.560
0.320
0.557
0.327
0.553
0.333
0.568
0.328
0.565
0.335
0.562
0.342
0.417
0.207
0.413
0.213
0.408
0.218
0.425
0.215
0.421
0.221
0.417
0.227
0.435
0.225
0.431
0.231
0.427
0.237
0.444
0.234
0.440
0.240
0.436
0.246
0.453
0.243
0.448
0.248
0.444
0.254
0.461
0.251
0.457
0.257
0.453
0.263
0.470
0.260
0.466
0.266
0.462
0.272
0.479
0.269
0.475
0.275
0.472
0.282
0.489
0.279
0.485
0.285
0.481
0.291
0.498
0.288
0.494
0.294
0.491
0.301
0.507
0.297
0.504
0.304
0.500
0.310
0.516
0.306
0.513
0.313
0.509
0.319
0.525
0.315
0.522
0.322
0.518
0.328
0.534
0.324
0.530
0.330
0.527
0.337
0.542
0.332
0.539
0.339
0.535
0.345
0.550
0.340
0.547
0.347
0.543
0.353
0.558
0.348
0.555
0.355
0.552
0.362
0.404
0.224
0.400
0.230
0.396
0.236
0.412
0.232
0.408
0.238
0.404
0.244
0.423
0.243
0.419
0.249
0.414
0.254
0.432
0.252
0.428
0.258
0.424
0.264
0.440
0.260
0.437
0.267
0.433
0.273
0.449
0.269
0.445
0.275
0.442
0.282
0.459
0.279
0.455
0.285
0.451
0.291
0.468
0.288
0.464
0.294
0.461
0.301
0.477
0.297
0.474
0.304
0.470
0.310
0.487
0.307
0.483
0.313
0.480
0.320
0.497
0.317
0.493
0.323
0.490
0.330
0.506
0.326
0.503
0.333
0.499
0.339
0.515
0.335
0.511
0.341
0.508
0.348
0.524
0.344
0.520
0.350
0.517
0.357
0.532
0.352
0.529
0.359
0.526
0.366
0.540
0.360
0.537
0.367
0.534
0.374
0.549
0.369
0.546
0.376
0.542
0.382
0.392
0.242
0.388
0.248
0.383
0.253
0.400
0.250
0.396
0.256
0.392
0.262
0.411
0.261
0.407
0.267
0.403
0.273
0.420
0.270
0.416
0.276
0.412
0.282
0.429
0.279
0.425
0.285
0.421
0.291
0.438
0.288
0.434
0.294
0.431
0.301
0.447
0.297
0.444
0.304
0.440
0.310
0.457
0.307
0.453
0.313
0.450
0.320
0.467
0.317
0.463
0.323
0.460
0.330
0.476
0.326
0.473
0.333
0.470
0.340
0.486
0.336
0.483
0.343
0.480
0.350
0.496
0.346
0.493
0.353
0.489
0.359
0.505
0.355
0.502
0.362
0.498
0.368
0.514
0.364
0.511
0.371
0.508
0.378
0.522
0.372
0.519
0.379
0.516
0.386
0.531
0.381
0.528
0.388
0.525
0.395
0.539
0.389
0.536
0.396
0.533
0.403
0.380
0.260
0.376
0.266
0.372
0.272
0.388
0.268
0.384
0.274
0.380
0.280
0.399
0.279
0.395
0.285
0.391
0.291
0.409
0.289
0.405
0.295
0.401
0.301
0.418
0.298
0.414
0.304
0.410
0.310
0.427
0.307
0.423
0.313
0.420
0.320
0.437
0.317
0.433
0.323
0.430
0.330
0.446
0.326
0.443
0.333
0.440
0.340
0.456
0.336
0.453
0.343
0.450
0.350
0.466
0.346
0.463
0.353
0.460
0.360
0.476
0.356
0.473
0.363
0.470
0.370
0.486
0.366
0.483
0.373
0.480
0.380
0.495
0.375
0.492
0.382
0.489
0.389
0.504
0.384
0.501
0.391
0.498
0.398
0.513
0.393
0.510
0.400
0.507
0.407
0.522
0.402
0.519
0.409
0.516
0.416
0.530
0.410
0.527
0.417
0.525
0.425
78
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.91
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.426 0.436 0.446 0.457 0.467
0.336 0.346 0.356 0.367 0.377
0.423 0.433 0.443 0.453 0.464
0.343 0.353 0.363 0.373 0.384
0.420 0.430 0.440 0.450 0.461
0.350 0.360 0.370 0.380 0.391
34
0.368
0.278
0.364
0.284
0.361
0.291
35
0.377
0.287
0.373
0.293
0.369
0.299
36
0.388
0.298
0.384
0.304
0.381
0.311
37
0.398
0.308
0.394
0.314
0.391
0.321
38
0.407
0.317
0.403
0.323
0.400
0.330
39
0.416
0.326
0.413
0.333
0.410
0.340
0.357
0.297
0.353
0.303
0.351
0.311
0.366
0.306
0.362
0.312
0.361
0.321
0.377
0.317
0.374
0.324
0.371
0.331
0.387
0.327
0.384
0.334
0.381
0.341
0.397
0.337
0.393
0.343
0.390
0.350
0.406
0.346
0.403
0.353
0.400
0.360
0.416
0.356
0.414
0.364
0.411
0.371
0.426
0.366
0.424
0.374
0.421
0.381
0.437
0.377
0.434
0.384
0.431
0.391
0.447
0.387
0.444
0.394
0.441
0.401
0.348
0.318
0.345
0.325
0.343
0.333
0.358
0.328
0.354
0.334
0.352
0.342
0.368
0.338
0.366
0.346
0.363
0.353
0.378
0.348
0.376
0.356
0.373
0.363
0.388
0.358
0.385
0.365
0.382
0.372
0.398
0.368
0.395
0.375
0.392
0.382
0.408
0.378
0.405
0.385
0.403
0.393
0.418
0.388
0.415
0.395
0.413
0.403
0.428
0.398
0.425
0.405
0.423
0.413
1.00
1.01
1.02
1.03
1.04
1.05
0.340
0.332
0.329
0.324
0.321
0.318
0.350
0.342
0.339
0.334
0.331
0.328
0.360
0.353
0.349
0.346
0.343
0.340
0.370
0.364
0.360
0.357
0.353
0.350
0.380
0.373
0.370
0.367
0.363
0.360
0.390
0.383
0.380
0.377
0.374
0.371
0.400
0.394
0.391
0.388
0.385
0.382
0.410
0.405
0.402
0.399
0.396
0.393
1.06
1.07
1.08
1.09
1.10
0.315
0.312
0.308
0.305
0.302
0.325
0.322
0.317
0.314
0.311
0.336
0.333
0.330
0.326
0.323
0.347
0.344
0.341
0.337
0.335
0.357
0.354
0.351
0.348
0.345
0.368
0.365
0.362
0.359
0.357
0.379
0.377
0.374
0.371
0.368
1.11
1.12
1.13
1.14
1.15
0.299
0.296
0.293
0.291
0.288
0.309
0.306
0.303
0.300
0.297
0.321
0.318
0.315
0.312
0.310
0.332
0.329
0.326
0.324
0.321
0.342
0.340
0.337
0.334
0.332
0.354
0.351
0.349
0.346
0.344
1.16
1.17
1.18
1.19
1.20
0.285
0.282
0.280
0.277
0.274
0.295
0.292
0.289
0.287
0.284
0.307
0.304
0.302
0.299
0.297
0.318
0.316
0.313
0.311
0.308
0.329
0.327
0.324
0.322
0.319
1.21
1.22
1.23
1.24
1.25
0.272
0.269
0.267
0.264
0.262
0.282
0.279
0.277
0.274
0.272
0.294
0.292
0.289
0.287
0.284
0.306
0.303
0.301
0.299
0.296
1.26
1.27
1.28
1.29
1.30
0.260
0.257
0.255
0.253
0.250
0.270
0.267
0.265
0.263
0.260
0.282
0.280
0.277
0.275
0.273
1.31
1.32
1.33
1.34
1.35
0.248
0.246
0.244
0.242
0.240
0.258
0.256
0.254
0.252
0.249
1.36
1.37
1.38
1.39
1.40
0.237
0.235
0.233
0.231
0.229
0.247
0.245
0.243
0.241
0.239
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
45
0.477
0.387
0.474
0.394
0.471
0.401
46
0.486
0.396
0.483
0.403
0.480
0.410
47
0.495
0.405
0.492
0.412
0.489
0.419
48
0.504
0.414
0.501
0.421
0.498
0.428
49
0.513
0.423
0.510
0.430
0.507
0.437
50
0.522
0.432
0.519
0.439
0.516
0.446
0.457
0.397
0.454
0.404
0.451
0.411
0.467
0.407
0.464
0.414
0.461
0.421
0.477
0.417
0.474
0.424
0.471
0.431
0.486
0.426
0.484
0.434
0.481
0.441
0.496
0.436
0.493
0.443
0.490
0.450
0.505
0.445
0.502
0.452
0.499
0.459
0.514
0.454
0.511
0.461
0.509
0.469
0.438
0.408
0.436
0.416
0.433
0.423
0.448
0.418
0.445
0.425
0.443
0.433
0.458
0.428
0.455
0.435
0.452
0.442
0.468
0.438
0.465
0.445
0.462
0.452
0.478
0.448
0.475
0.455
0.472
0.462
0.487
0.457
0.485
0.465
0.482
0.472
0.497
0.467
0.495
0.475
0.492
0.482
0.507
0.477
0.505
0.485
0.502
0.492
0.420
0.415
0.413
0.410
0.407
0.404
0.430
0.426
0.424
0.421
0.418
0.415
0.440
0.437
0.434
0.432
0.429
0.427
0.450
0.447
0.445
0.442
0.440
0.437
0.460
0.457
0.455
0.452
0.450
0.447
0.470
0.467
0.464
0.462
0.460
0.457
0.480
0.476
0.474
0.471
0.469
0.466
0.490
0.485
0.483
0.480
0.478
0.475
0.500
0.494
0.492
0.490
0.487
0.485
0.391
0.388
0.385
0.383
0.380
0.402
0.399
0.396
0.394
0.391
0.413
0.410
0.408
0.405
0.403
0.424
0.422
0.419
0.416
0.414
0.435
0.432
0.430
0.427
0.425
0.445
0.443
0.440
0.438
0.435
0.455
0.453
0.450
0.448
0.445
0.464
0.462
0.459
0.457
0.455
0.473
0.471
0.468
0.466
0.464
0.482
0.480
0.478
0.475
0.473
0.366
0.364
0.361
0.359
0.356
0.378
0.376
0.373
0.371
0.368
0.389
0.387
0.385
0.382
0.380
0.400
0.399
0.396
0.394
0.391
0.411
0.409
0.407
0.404
0.402
0.422
0.420
0.417
0.415
0.413
0.433
0.430
0.428
0.425
0.423
0.443
0.440
0.438
0.436
0.434
0.452
0.450
0.448
0.445
0.443
0.461
0.459
0.457
0.455
0.452
0.471
0.468
0.466
0.464
0.462
0.341
0.339
0.336
0.334
0.331
0.354
0.351
0.349
0.346
0.344
0.366
0.363
0.361
0.359
0.356
0.378
0.375
0.373
0.371
0.368
0.389
0.387
0.384
0.382
0.380
0.400
0.397
0.395
0.393
0.391
0.410
0.408
0.406
0.404
0.401
0.421
0.419
0.416
0.414
0.412
0.431
0.429
0.427
0.425
0.423
0.441
0.439
0.436
0.434
0.432
0.450
0.448
0.446
0.444
0.442
0.460
0.457
0.455
0.453
0.451
0.317
0.314
0.312
0.310
0.307
0.329
0.327
0.324
0.322
0.320
0.342
0.339
0.337
0.335
0.333
0.354
0.352
0.350
0.347
0.345
0.366
0.364
0.362
0.359
0.357
0.378
0.375
0.373
0.371
0.369
0.388
0.386
0.384
0.382
0.380
0.399
0.397
0.395
0.393
0.391
0.410
0.408
0.406
0.404
0.402
0.421
0.418
0.416
0.414
0.412
0.430
0.428
0.426
0.424
0.422
0.440
0.438
0.435
0.433
0.431
0.449
0.447
0.445
0.443
0.441
0.294
0.292
0.289
0.287
0.285
0.305
0.303
0.301
0.298
0.296
0.317
0.315
0.313
0.311
0.309
0.330
0.328
0.326
0.324
0.322
0.343
0.341
0.339
0.337
0.335
0.355
0.353
0.351
0.349
0.347
0.367
0.365
0.363
0.361
0.359
0.378
0.376
0.374
0.372
0.370
0.389
0.387
0.385
0.383
0.381
0.400
0.398
0.396
0.394
0.392
0.410
0.408
0.406
0.404
0.402
0.420
0.418
0.416
0.414
0.412
0.429
0.428
0.426
0.424
0.422
0.439
0.437
0.435
0.433
0.431
0.271
0.269
0.266
0.264
0.262
0.283
0.281
0.278
0.276
0.274
0.294
0.292
0.290
0.288
0.286
0.307
0.304
0.302
0.300
0.298
0.320
0.318
0.316
0.314
0.312
0.333
0.331
0.329
0.327
0.325
0.345
0.343
0.341
0.339
0.337
0.357
0.355
0.353
0.351
0.349
0.368
0.366
0.364
0.362
0.360
0.379
0.377
0.375
0.373
0.371
0.390
0.388
0.386
0.384
0.382
0.400
0.399
0.397
0.395
0.393
0.410
0.408
0.406
0.405
0.403
0.420
0.418
0.416
0.414
0.413
0.430
0.428
0.426
0.424
0.422
0.260
0.258
0.256
0.254
0.252
0.272
0.270
0.268
0.266
0.264
0.284
0.282
0.280
0.278
0.276
0.296
0.294
0.292
0.291
0.289
0.310
0.308
0.306
0.304
0.302
0.323
0.321
0.319
0.317
0.315
0.335
0.333
0.331
0.329
0.328
0.347
0.345
0.343
0.341
0.340
0.358
0.356
0.354
0.353
0.351
0.369
0.367
0.366
0.364
0.362
0.380
0.378
0.377
0.375
0.373
0.391
0.389
0.388
0.386
0.384
0.401
0.399
0.397
0.396
0.394
0.411
0.409
0.407
0.405
0.404
0.420
0.419
0.417
0.415
0.414
79
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
34
0.227
0.225
0.224
0.222
0.220
35
0.237
0.235
0.234
0.232
0.230
36
0.250
0.248
0.246
0.245
0.243
37
0.262
0.260
0.259
0.257
0.255
38
0.274
0.272
0.270
0.269
0.267
39
0.287
0.285
0.283
0.281
0.280
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.300 0.313 0.326 0.338 0.349
0.299 0.312 0.324 0.336 0.347
0.297 0.310 0.322 0.334 0.345
0.295 0.308 0.321 0.333 0.344
0.293 0.306 0.319 0.331 0.342
1.46
1.47
1.48
1.49
1.50
0.218
0.216
0.214
0.213
0.211
0.228
0.226
0.224
0.223
0.221
0.241
0.239
0.237
0.236
0.234
0.253
0.251
0.250
0.248
0.246
0.265
0.263
0.261
0.260
0.258
0.278
0.276
0.274
0.273
0.271
0.292
0.290
0.288
0.286
0.285
0.305
0.303
0.301
0.300
0.298
0.317
0.315
0.314
0.312
0.310
0.329
0.328
0.326
0.324
0.323
1.51
1.52
1.53
1.54
1.55
0.209
0.208
0.206
0.204
0.203
0.219
0.218
0.216
0.214
0.213
0.232
0.230
0.229
0.227
0.226
0.244
0.243
0.241
0.240
0.238
0.256
0.255
0.253
0.251
0.250
0.269
0.268
0.266
0.264
0.263
0.283
0.282
0.280
0.278
0.277
0.296
0.295
0.293
0.292
0.290
0.309
0.307
0.306
0.304
0.303
1.56
1.57
1.58
1.59
1.60
0.201
0.199
0.198
0.196
0.195
0.211
0.209
0.208
0.206
0.205
0.224
0.222
0.221
0.219
0.218
0.236
0.235
0.233
0.232
0.230
0.248
0.247
0.245
0.244
0.242
0.261
0.260
0.258
0.257
0.255
0.275
0.274
0.272
0.271
0.269
0.289
0.287
0.285
0.284
0.282
1.61
1.62
1.63
1.64
1.65
0.193
0.192
0.190
0.189
0.187
0.203
0.202
0.200
0.199
0.197
0.216
0.215
0.213
0.212
0.210
0.229
0.227
0.226
0.224
0.223
0.241
0.239
0.238
0.236
0.235
0.254
0.252
0.251
0.249
0.248
0.268
0.266
0.265
0.263
0.262
1.66
1.67
1.68
1.69
1.70
0.186
0.184
0.183
0.182
0.180
0.196
0.194
0.193
0.192
0.190
0.209
0.207
0.206
0.205
0.203
0.221
0.220
0.218
0.217
0.216
0.233
0.232
0.230
0.229
0.228
0.246
0.245
0.244
0.242
0.241
1.71
1.72
1.73
1.74
1.75
0.179
0.178
0.176
0.175
0.174
0.189
0.187
0.186
0.185
0.183
0.202
0.200
0.199
0.198
0.196
0.214
0.213
0.212
0.210
0.209
0.226
0.225
0.224
0.222
0.221
1.76
1.77
1.78
1.79
1.80
0.172
0.171
0.170
0.169
0.167
0.182
0.181
0.180
0.178
0.177
0.195
0.194
0.193
0.191
0.190
0.208
0.206
0.205
0.204
0.203
1.81
1.82
1.83
1.84
1.85
0.166
0.165
0.164
0.163
0.161
0.176
0.175
0.173
0.172
0.171
0.189
0.188
0.186
0.185
0.184
1.86
1.87
1.88
1.89
1.90
0.160
0.159
0.158
0.157
0.156
0.170
0.169
0.168
0.166
0.165
1.91
1.92
1.93
1.94
1.95
0.155
0.154
0.153
0.152
0.150
1.96
1.97
1.98
1.99
2.00
0.149
0.148
0.147
0.146
0.145
45
0.360
0.358
0.357
0.355
0.353
46
0.371
0.370
0.368
0.366
0.365
47
0.382
0.381
0.379
0.377
0.376
48
0.392
0.391
0.389
0.387
0.386
49
0.402
0.400
0.399
0.397
0.395
50
0.412
0.410
0.408
0.407
0.405
0.340
0.339
0.337
0.335
0.334
0.352
0.350
0.348
0.347
0.345
0.363
0.361
0.360
0.358
0.357
0.374
0.372
0.371
0.369
0.368
0.384
0.382
0.381
0.379
0.377
0.394
0.392
0.390
0.389
0.387
0.404
0.402
0.400
0.399
0.397
0.321
0.319
0.318
0.316
0.315
0.332
0.331
0.329
0.328
0.326
0.344
0.342
0.340
0.339
0.337
0.355
0.353
0.352
0.350
0.349
0.366
0.365
0.363
0.361
0.360
0.376
0.374
0.373
0.371
0.370
0.386
0.384
0.383
0.381
0.380
0.396
0.394
0.393
0.391
0.390
0.301
0.300
0.298
0.297
0.295
0.313
0.312
0.310
0.309
0.307
0.324
0.323
0.321
0.320
0.319
0.336
0.334
0.333
0.331
0.330
0.347
0.346
0.344
0.343
0.341
0.358
0.357
0.356
0.354
0.353
0.368
0.367
0.365
0.364
0.362
0.378
0.377
0.375
0.374
0.372
0.388
0.387
0.385
0.384
0.382
0.281
0.280
0.278
0.277
0.275
0.294
0.292
0.291
0.289
0.288
0.306
0.304
0.303
0.301
0.300
0.317
0.316
0.314
0.313
0.311
0.328
0.327
0.326
0.324
0.323
0.340
0.339
0.337
0.336
0.334
0.351
0.350
0.348
0.347
0.346
0.361
0.360
0.358
0.357
0.355
0.371
0.370
0.368
0.367
0.365
0.381
0.379
0.378
0.377
0.375
0.260
0.259
0.258
0.256
0.255
0.274
0.273
0.271
0.270
0.268
0.286
0.285
0.284
0.282
0.281
0.299
0.297
0.296
0.295
0.293
0.310
0.309
0.307
0.306
0.305
0.321
0.320
0.319
0.317
0.316
0.333
0.332
0.330
0.329
0.328
0.344
0.343
0.342
0.340
0.339
0.354
0.353
0.351
0.350
0.349
0.364
0.363
0.361
0.360
0.359
0.374
0.373
0.371
0.370
0.369
0.239
0.238
0.237
0.235
0.234
0.254
0.252
0.251
0.250
0.248
0.267
0.266
0.264
0.263
0.262
0.280
0.278
0.277
0.276
0.275
0.292
0.291
0.289
0.288
0.287
0.303
0.302
0.301
0.299
0.298
0.315
0.313
0.312
0.311
0.310
0.326
0.325
0.324
0.322
0.321
0.338
0.336
0.335
0.334
0.332
0.347
0.346
0.345
0.344
0.342
0.357
0.356
0.355
0.353
0.352
0.367
0.366
0.365
0.363
0.362
0.220
0.218
0.217
0.216
0.215
0.233
0.232
0.230
0.229
0.228
0.247
0.246
0.245
0.243
0.242
0.261
0.259
0.258
0.257
0.256
0.273
0.272
0.271
0.270
0.268
0.286
0.284
0.283
0.282
0.281
0.297
0.296
0.294
0.293
0.292
0.308
0.307
0.306
0.305
0.303
0.320
0.319
0.317
0.316
0.315
0.331
0.330
0.329
0.328
0.326
0.341
0.340
0.339
0.337
0.336
0.351
0.350
0.349
0.347
0.346
0.361
0.360
0.358
0.357
0.356
0.201
0.200
0.199
0.198
0.197
0.213
0.212
0.211
0.210
0.209
0.227
0.225
0.224
0.223
0.222
0.241
0.240
0.239
0.237
0.236
0.255
0.253
0.252
0.251
0.250
0.267
0.266
0.265
0.264
0.262
0.279
0.278
0.277
0.276
0.275
0.291
0.290
0.288
0.287
0.286
0.302
0.301
0.300
0.299
0.298
0.314
0.313
0.311
0.310
0.309
0.325
0.324
0.323
0.322
0.321
0.335
0.334
0.333
0.332
0.330
0.345
0.344
0.343
0.341
0.340
0.355
0.354
0.352
0.351
0.350
0.183
0.182
0.181
0.179
0.178
0.195
0.194
0.193
0.192
0.191
0.207
0.206
0.205
0.204
0.203
0.221
0.220
0.218
0.217
0.216
0.235
0.234
0.233
0.232
0.230
0.249
0.247
0.246
0.245
0.244
0.261
0.260
0.259
0.258
0.257
0.274
0.272
0.271
0.270
0.269
0.285
0.284
0.283
0.282
0.280
0.296
0.295
0.294
0.293
0.292
0.308
0.307
0.306
0.305
0.304
0.319
0.318
0.317
0.316
0.315
0.329
0.328
0.327
0.326
0.325
0.339
0.338
0.337
0.336
0.335
0.349
0.348
0.347
0.346
0.345
0.164
0.163
0.162
0.161
0.160
0.177
0.176
0.175
0.174
0.173
0.190
0.189
0.187
0.186
0.185
0.202
0.201
0.199
0.198
0.197
0.215
0.214
0.213
0.212
0.211
0.229
0.228
0.227
0.226
0.225
0.243
0.242
0.241
0.240
0.239
0.256
0.255
0.253
0.252
0.251
0.268
0.267
0.266
0.265
0.264
0.279
0.278
0.277
0.276
0.275
0.291
0.290
0.289
0.288
0.287
0.302
0.301
0.300
0.299
0.298
0.314
0.313
0.312
0.311
0.310
0.324
0.323
0.322
0.320
0.319
0.334
0.332
0.331
0.330
0.329
0.343
0.342
0.341
0.340
0.339
0.159
0.158
0.157
0.156
0.155
0.172
0.171
0.170
0.169
0.168
0.184
0.183
0.182
0.181
0.180
0.196
0.195
0.194
0.193
0.192
0.210
0.209
0.208
0.206
0.205
0.224
0.223
0.222
0.221
0.220
0.238
0.237
0.236
0.235
0.234
0.250
0.249
0.248
0.247
0.246
0.263
0.262
0.261
0.259
0.258
0.274
0.273
0.272
0.271
0.270
0.286
0.285
0.283
0.282
0.281
0.297
0.296
0.295
0.294
0.293
0.309
0.308
0.306
0.305
0.304
0.318
0.317
0.316
0.315
0.314
0.328
0.327
0.326
0.325
0.324
0.338
0.337
0.336
0.335
0.334
80
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
34
0.144
0.144
0.143
0.142
0.141
35
0.154
0.153
0.152
0.151
0.150
36
0.167
0.166
0.165
0.164
0.163
37
0.179
0.178
0.177
0.176
0.175
38
0.191
0.190
0.189
0.188
0.187
39
0.204
0.203
0.202
0.201
0.200
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.219 0.233 0.245 0.257 0.269
0.218 0.232 0.244 0.256 0.268
0.217 0.231 0.243 0.255 0.267
0.216 0.230 0.242 0.254 0.266
0.215 0.229 0.241 0.254 0.265
2.06
2.07
2.08
2.09
2.10
0.140
0.139
0.138
0.137
0.136
0.149
0.148
0.147
0.146
0.145
0.162
0.161
0.160
0.159
0.158
0.174
0.173
0.172
0.171
0.170
0.186
0.185
0.184
0.183
0.182
0.199
0.199
0.198
0.197
0.196
0.214
0.213
0.212
0.211
0.210
0.228
0.227
0.226
0.225
0.224
0.240
0.239
0.238
0.237
0.237
0.253
0.252
0.251
0.250
0.249
2.11
2.12
2.13
2.14
2.15
0.135
0.134
0.133
0.133
0.132
0.144
0.144
0.143
0.142
0.141
0.157
0.156
0.155
0.154
0.154
0.169
0.169
0.168
0.167
0.166
0.181
0.181
0.180
0.179
0.178
0.195
0.194
0.193
0.192
0.191
0.209
0.208
0.207
0.207
0.206
0.223
0.222
0.221
0.220
0.219
0.236
0.235
0.234
0.233
0.232
2.16
2.17
2.18
2.19
2.20
0.131
0.130
0.129
0.128
0.128
0.140
0.139
0.138
0.138
0.137
0.153
0.152
0.151
0.150
0.149
0.165
0.164
0.163
0.162
0.162
0.177
0.176
0.175
0.174
0.174
0.190
0.189
0.189
0.188
0.187
0.205
0.204
0.203
0.202
0.201
0.219
0.218
0.217
0.216
0.215
2.21
2.22
2.23
2.24
2.25
0.127
0.126
0.125
0.124
0.124
0.136
0.135
0.134
0.134
0.133
0.149
0.148
0.147
0.146
0.145
0.161
0.160
0.159
0.158
0.158
0.173
0.172
0.171
0.170
0.169
0.186
0.185
0.184
0.184
0.183
0.201
0.200
0.199
0.198
0.197
2.26
2.27
2.28
2.29
2.30
0.123
0.122
0.122
0.121
0.120
0.132
0.131
0.130
0.130
0.129
0.145
0.144
0.143
0.142
0.141
0.157
0.156
0.155
0.154
0.154
0.169
0.168
0.167
0.166
0.166
0.182
0.181
0.180
0.180
0.179
2.31
2.32
2.33
2.34
2.35
0.119
0.119
0.118
0.117
0.117
0.128
0.128
0.127
0.126
0.125
0.141
0.140
0.139
0.139
0.138
0.153
0.152
0.151
0.151
0.150
0.165
0.164
0.163
0.163
0.162
2.36
2.37
2.38
2.39
2.40
0.116
0.115
0.115
0.114
0.113
0.125
0.124
0.123
0.123
0.122
0.137
0.136
0.136
0.135
0.134
0.149
0.148
0.148
0.147
0.146
2.41
2.42
2.43
2.44
2.45
0.113
0.112
0.111
0.111
0.110
0.121
0.121
0.120
0.119
0.119
0.134
0.133
0.132
0.132
0.131
2.46
2.47
2.48
2.49
2.50
0.109
0.109
0.108
0.108
0.107
0.118
0.117
0.117
0.116
0.116
2.51
2.52
2.53
2.54
2.55
0.106
0.106
0.105
0.105
0.104
2.56
2.57
2.58
2.59
2.60
0.104
0.103
0.103
0.102
0.101
45
0.280
0.279
0.278
0.278
0.277
46
0.292
0.291
0.290
0.289
0.288
47
0.303
0.302
0.302
0.301
0.300
48
0.313
0.312
0.311
0.310
0.309
49
0.323
0.322
0.321
0.320
0.319
50
0.333
0.332
0.331
0.330
0.329
0.264
0.263
0.262
0.261
0.260
0.276
0.275
0.274
0.273
0.272
0.287
0.286
0.285
0.284
0.283
0.299
0.298
0.297
0.296
0.295
0.308
0.307
0.306
0.306
0.305
0.318
0.317
0.316
0.315
0.314
0.328
0.327
0.326
0.325
0.324
0.248
0.247
0.246
0.245
0.244
0.259
0.258
0.258
0.257
0.256
0.271
0.270
0.269
0.268
0.267
0.283
0.282
0.281
0.280
0.279
0.294
0.293
0.292
0.291
0.290
0.304
0.303
0.302
0.301
0.300
0.313
0.313
0.312
0.311
0.310
0.323
0.322
0.321
0.320
0.320
0.231
0.230
0.229
0.229
0.228
0.243
0.243
0.242
0.241
0.240
0.255
0.254
0.253
0.252
0.251
0.266
0.266
0.265
0.264
0.263
0.278
0.277
0.276
0.275
0.275
0.289
0.289
0.288
0.287
0.286
0.299
0.298
0.297
0.297
0.296
0.309
0.308
0.307
0.306
0.305
0.319
0.318
0.317
0.316
0.315
0.214
0.213
0.213
0.212
0.211
0.227
0.226
0.225
0.224
0.224
0.239
0.238
0.237
0.237
0.236
0.251
0.250
0.249
0.248
0.247
0.262
0.261
0.260
0.260
0.259
0.274
0.273
0.272
0.271
0.270
0.285
0.284
0.283
0.283
0.282
0.295
0.294
0.293
0.292
0.291
0.304
0.304
0.303
0.302
0.301
0.314
0.313
0.313
0.312
0.311
0.196
0.196
0.195
0.194
0.193
0.210
0.209
0.209
0.208
0.207
0.223
0.222
0.221
0.220
0.220
0.235
0.234
0.233
0.233
0.232
0.246
0.246
0.245
0.244
0.243
0.258
0.257
0.256
0.256
0.255
0.270
0.269
0.268
0.267
0.266
0.281
0.280
0.279
0.279
0.278
0.291
0.290
0.289
0.288
0.287
0.300
0.299
0.299
0.298
0.297
0.310
0.309
0.308
0.308
0.307
0.178
0.177
0.177
0.176
0.175
0.193
0.192
0.191
0.190
0.190
0.206
0.205
0.205
0.204
0.203
0.219
0.218
0.217
0.217
0.216
0.231
0.230
0.230
0.229
0.228
0.242
0.242
0.241
0.240
0.239
0.254
0.253
0.252
0.252
0.251
0.266
0.265
0.264
0.263
0.263
0.277
0.276
0.275
0.275
0.274
0.287
0.286
0.285
0.284
0.283
0.296
0.295
0.295
0.294
0.293
0.306
0.305
0.304
0.303
0.303
0.161
0.160
0.160
0.159
0.158
0.174
0.174
0.173
0.172
0.171
0.189
0.188
0.187
0.187
0.186
0.202
0.202
0.201
0.200
0.200
0.215
0.214
0.214
0.213
0.212
0.227
0.227
0.226
0.225
0.224
0.239
0.238
0.237
0.236
0.236
0.250
0.249
0.249
0.248
0.247
0.262
0.261
0.260
0.260
0.259
0.273
0.272
0.272
0.271
0.270
0.283
0.282
0.281
0.280
0.280
0.292
0.291
0.291
0.290
0.289
0.302
0.301
0.300
0.300
0.299
0.146
0.145
0.144
0.144
0.143
0.157
0.157
0.156
0.155
0.155
0.171
0.170
0.169
0.169
0.168
0.185
0.184
0.184
0.183
0.182
0.199
0.198
0.197
0.197
0.196
0.211
0.211
0.210
0.209
0.209
0.224
0.223
0.222
0.222
0.221
0.235
0.234
0.234
0.233
0.232
0.247
0.246
0.245
0.244
0.244
0.258
0.257
0.257
0.256
0.255
0.269
0.269
0.268
0.267
0.267
0.279
0.278
0.278
0.277
0.276
0.288
0.288
0.287
0.286
0.286
0.298
0.297
0.297
0.296
0.295
0.130
0.130
0.129
0.128
0.128
0.142
0.142
0.141
0.140
0.140
0.154
0.153
0.153
0.152
0.151
0.167
0.167
0.166
0.165
0.165
0.182
0.181
0.180
0.180
0.179
0.195
0.195
0.194
0.193
0.193
0.208
0.207
0.207
0.206
0.205
0.220
0.219
0.219
0.218
0.217
0.231
0.231
0.230
0.229
0.229
0.243
0.242
0.242
0.241
0.240
0.255
0.254
0.253
0.253
0.252
0.266
0.265
0.265
0.264
0.263
0.275
0.275
0.274
0.273
0.273
0.285
0.284
0.283
0.283
0.282
0.294
0.294
0.293
0.292
0.292
0.115
0.114
0.114
0.113
0.113
0.127
0.126
0.126
0.125
0.125
0.139
0.138
0.138
0.137
0.137
0.151
0.150
0.149
0.149
0.148
0.164
0.163
0.163
0.162
0.161
0.178
0.178
0.177
0.176
0.176
0.192
0.191
0.191
0.190
0.189
0.205
0.204
0.203
0.203
0.202
0.217
0.216
0.215
0.215
0.214
0.228
0.227
0.227
0.226
0.225
0.240
0.239
0.238
0.238
0.237
0.251
0.251
0.250
0.249
0.249
0.262
0.262
0.261
0.260
0.260
0.272
0.271
0.271
0.270
0.269
0.281
0.281
0.280
0.279
0.279
0.291
0.290
0.289
0.289
0.288
0.112
0.111
0.111
0.110
0.110
0.124
0.123
0.123
0.122
0.122
0.136
0.135
0.135
0.134
0.134
0.148
0.147
0.146
0.146
0.145
0.161
0.160
0.160
0.159
0.158
0.175
0.175
0.174
0.173
0.173
0.189
0.188
0.188
0.187
0.186
0.201
0.201
0.200
0.199
0.199
0.214
0.213
0.212
0.212
0.211
0.225
0.224
0.223
0.223
0.222
0.236
0.236
0.235
0.234
0.234
0.248
0.247
0.247
0.246
0.245
0.259
0.259
0.258
0.257
0.257
0.269
0.268
0.267
0.267
0.266
0.278
0.277
0.277
0.276
0.275
0.287
0.287
0.286
0.285
0.285
81
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
34
0.101
0.100
0.100
0.099
0.099
35
0.109
0.109
0.108
0.108
0.107
36
0.121
0.121
0.120
0.119
0.119
37
0.133
0.132
0.132
0.131
0.131
38
0.145
0.144
0.143
0.143
0.142
39
0.158
0.157
0.157
0.156
0.155
Expected Unlimited Loss & ALAE Group
40
41
42
43
44
0.172 0.186 0.198 0.210 0.222
0.171 0.185 0.198 0.210 0.221
0.171 0.184 0.197 0.209 0.220
0.170 0.184 0.196 0.209 0.220
0.170 0.183 0.196 0.208 0.219
2.66
2.67
2.68
2.69
2.70
0.098
0.098
0.097
0.097
0.096
0.107
0.106
0.105
0.105
0.104
0.118
0.118
0.117
0.117
0.116
0.130
0.130
0.129
0.129
0.128
0.142
0.141
0.141
0.140
0.139
0.155
0.154
0.154
0.153
0.153
0.169
0.168
0.168
0.167
0.167
0.183
0.182
0.181
0.181
0.180
0.195
0.195
0.194
0.193
0.193
0.207
0.207
0.206
0.206
0.205
2.71
2.72
2.73
2.74
2.75
0.096
0.095
0.095
0.094
0.094
0.104
0.103
0.103
0.103
0.102
0.116
0.115
0.115
0.114
0.114
0.127
0.127
0.126
0.126
0.125
0.139
0.138
0.138
0.137
0.137
0.152
0.151
0.151
0.150
0.150
0.166
0.166
0.165
0.165
0.164
0.180
0.179
0.179
0.178
0.177
0.192
0.192
0.191
0.191
0.190
2.76
2.77
2.78
2.79
2.80
0.094
0.093
0.093
0.092
0.092
0.102
0.101
0.101
0.100
0.100
0.113
0.113
0.112
0.112
0.111
0.125
0.124
0.124
0.123
0.123
0.136
0.136
0.135
0.135
0.134
0.149
0.149
0.148
0.148
0.147
0.163
0.163
0.162
0.162
0.161
0.177
0.176
0.176
0.175
0.175
2.81
2.82
2.83
2.84
2.85
0.091
0.091
0.090
0.090
0.090
0.099
0.099
0.098
0.098
0.097
0.111
0.110
0.110
0.109
0.109
0.122
0.122
0.121
0.121
0.120
0.134
0.133
0.133
0.132
0.132
0.147
0.146
0.146
0.145
0.145
0.161
0.160
0.160
0.159
0.159
2.86
2.87
2.88
2.89
2.90
0.089
0.089
0.088
0.088
0.088
0.097
0.097
0.096
0.096
0.095
0.109
0.108
0.108
0.107
0.107
0.120
0.119
0.119
0.119
0.118
0.131
0.131
0.130
0.130
0.129
0.144
0.144
0.143
0.142
0.142
2.91
2.92
2.93
2.94
2.95
0.087
0.087
0.087
0.087
0.087
0.095
0.095
0.095
0.095
0.095
0.106
0.106
0.106
0.106
0.106
0.118
0.118
0.118
0.118
0.117
0.129
0.129
0.129
0.128
0.128
2.96
2.97
2.98
2.99
3.00
0.087
0.087
0.087
0.087
0.087
0.095
0.095
0.095
0.095
0.095
0.106
0.106
0.106
0.106
0.106
0.117
0.117
0.117
0.117
0.117
0.128
0.128
0.128
0.128
0.128
45
0.233
0.232
0.232
0.231
0.231
46
0.245
0.244
0.243
0.243
0.242
47
0.256
0.255
0.255
0.254
0.253
48
0.265
0.265
0.264
0.263
0.263
49
0.275
0.274
0.273
0.273
0.272
50
0.284
0.283
0.283
0.282
0.281
0.219
0.218
0.217
0.217
0.216
0.230
0.229
0.229
0.228
0.228
0.242
0.241
0.240
0.240
0.239
0.253
0.252
0.252
0.251
0.250
0.262
0.261
0.261
0.260
0.260
0.271
0.271
0.270
0.269
0.269
0.281
0.280
0.279
0.279
0.278
0.204
0.204
0.203
0.203
0.202
0.216
0.215
0.214
0.214
0.213
0.227
0.226
0.226
0.225
0.225
0.239
0.238
0.237
0.237
0.236
0.250
0.249
0.249
0.248
0.248
0.259
0.258
0.258
0.257
0.257
0.268
0.268
0.267
0.266
0.266
0.278
0.277
0.276
0.276
0.275
0.189
0.189
0.188
0.188
0.187
0.201
0.201
0.200
0.200
0.199
0.213
0.212
0.212
0.211
0.210
0.224
0.224
0.223
0.222
0.222
0.236
0.235
0.235
0.234
0.233
0.247
0.246
0.246
0.245
0.245
0.256
0.256
0.255
0.254
0.254
0.265
0.265
0.264
0.263
0.263
0.275
0.274
0.273
0.273
0.272
0.174
0.174
0.173
0.173
0.172
0.187
0.186
0.186
0.185
0.185
0.199
0.198
0.198
0.197
0.197
0.210
0.209
0.209
0.208
0.208
0.221
0.221
0.220
0.220
0.219
0.233
0.232
0.232
0.231
0.231
0.244
0.244
0.243
0.242
0.242
0.253
0.253
0.252
0.252
0.251
0.262
0.262
0.261
0.261
0.260
0.272
0.271
0.270
0.270
0.269
0.158
0.158
0.157
0.156
0.155
0.172
0.171
0.171
0.169
0.168
0.184
0.183
0.183
0.181
0.180
0.196
0.196
0.195
0.193
0.193
0.207
0.207
0.206
0.205
0.205
0.219
0.218
0.218
0.217
0.216
0.230
0.230
0.229
0.228
0.228
0.241
0.241
0.240
0.240
0.239
0.250
0.250
0.249
0.249
0.248
0.260
0.259
0.258
0.258
0.257
0.269
0.268
0.268
0.267
0.266
0.141
0.141
0.141
0.140
0.140
0.155
0.154
0.154
0.153
0.153
0.168
0.167
0.166
0.166
0.165
0.180
0.179
0.179
0.178
0.178
0.192
0.192
0.191
0.191
0.190
0.204
0.204
0.204
0.203
0.203
0.216
0.216
0.215
0.215
0.214
0.227
0.227
0.226
0.226
0.225
0.238
0.238
0.237
0.237
0.236
0.247
0.247
0.246
0.246
0.245
0.256
0.256
0.255
0.255
0.254
0.266
0.265
0.265
0.264
0.264
0.140
0.139
0.139
0.139
0.139
0.152
0.152
0.152
0.151
0.151
0.165
0.164
0.164
0.164
0.163
0.177
0.177
0.176
0.176
0.175
0.190
0.189
0.189
0.188
0.187
0.202
0.201
0.201
0.200
0.200
0.213
0.213
0.212
0.211
0.211
0.224
0.223
0.223
0.222
0.222
0.234
0.234
0.233
0.233
0.232
0.244
0.244
0.243
0.242
0.242
0.254
0.253
0.253
0.252
0.252
0.263
0.263
0.263
0.262
0.262
82
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.991 0.991 0.991 0.991 0.991
0.001 0.001 0.001 0.001 0.001
0.983 0.983 0.983 0.984 0.984
0.003 0.003 0.003 0.004 0.004
0.975 0.976 0.976 0.976 0.977
0.005 0.006 0.006 0.006 0.007
51
0.990
0.000
0.982
0.002
0.973
0.003
52
0.991
0.001
0.982
0.002
0.974
0.004
53
0.991
0.001
0.982
0.002
0.974
0.004
54
0.991
0.001
0.982
0.002
0.974
0.004
55
0.991
0.001
0.983
0.003
0.975
0.005
56
0.991
0.001
0.983
0.003
0.975
0.005
62
0.991
0.001
0.984
0.004
0.977
0.007
63
0.991
0.001
0.984
0.004
0.977
0.007
64
0.991
0.001
0.984
0.004
0.978
0.008
65
0.991
0.001
0.984
0.004
0.978
0.008
66
0.991
0.001
0.984
0.004
0.978
0.008
67
0.991
0.001
0.984
0.004
0.979
0.009
0.965
0.005
0.956
0.006
0.948
0.008
0.965
0.005
0.957
0.007
0.949
0.009
0.966
0.006
0.957
0.007
0.949
0.009
0.966
0.006
0.958
0.008
0.950
0.010
0.967
0.007
0.959
0.009
0.951
0.011
0.967
0.007
0.959
0.009
0.952
0.012
0.968
0.008
0.960
0.010
0.953
0.013
0.968
0.008
0.961
0.011
0.954
0.014
0.969
0.009
0.961
0.011
0.954
0.014
0.969
0.009
0.962
0.012
0.955
0.015
0.970
0.010
0.963
0.013
0.956
0.016
0.970
0.010
0.964
0.014
0.957
0.017
0.971
0.011
0.964
0.014
0.958
0.018
0.971
0.011
0.965
0.015
0.959
0.019
0.972
0.012
0.966
0.016
0.960
0.020
0.972
0.012
0.967
0.017
0.961
0.021
0.973
0.013
0.967
0.017
0.962
0.022
0.940
0.010
0.932
0.012
0.924
0.014
0.941
0.011
0.933
0.013
0.925
0.015
0.941
0.011
0.934
0.014
0.926
0.016
0.942
0.012
0.935
0.015
0.927
0.017
0.943
0.013
0.936
0.016
0.929
0.019
0.944
0.014
0.937
0.017
0.930
0.020
0.945
0.015
0.938
0.018
0.931
0.021
0.946
0.016
0.939
0.019
0.933
0.023
0.947
0.017
0.941
0.021
0.934
0.024
0.949
0.019
0.942
0.022
0.935
0.025
0.950
0.020
0.943
0.023
0.937
0.027
0.951
0.021
0.945
0.025
0.938
0.028
0.952
0.022
0.946
0.026
0.940
0.030
0.953
0.023
0.947
0.027
0.941
0.031
0.954
0.024
0.948
0.028
0.943
0.033
0.955
0.025
0.950
0.030
0.944
0.034
0.956
0.026
0.951
0.031
0.946
0.036
0.916
0.016
0.908
0.018
0.901
0.021
0.917
0.017
0.909
0.019
0.902
0.022
0.918
0.018
0.911
0.021
0.904
0.024
0.920
0.020
0.913
0.023
0.906
0.026
0.921
0.021
0.914
0.024
0.908
0.028
0.923
0.023
0.916
0.026
0.909
0.029
0.924
0.024
0.918
0.028
0.911
0.031
0.926
0.026
0.919
0.029
0.913
0.033
0.927
0.027
0.921
0.031
0.915
0.035
0.929
0.029
0.923
0.033
0.917
0.037
0.931
0.031
0.925
0.035
0.919
0.039
0.932
0.032
0.927
0.037
0.921
0.041
0.934
0.034
0.928
0.038
0.923
0.043
0.936
0.036
0.930
0.040
0.925
0.045
0.937
0.037
0.932
0.042
0.927
0.047
0.939
0.039
0.934
0.044
0.929
0.049
0.940
0.040
0.936
0.046
0.931
0.051
0.893
0.023
0.886
0.026
0.879
0.029
0.895
0.025
0.888
0.028
0.881
0.031
0.897
0.027
0.890
0.030
0.883
0.033
0.899
0.029
0.892
0.032
0.885
0.035
0.901
0.031
0.894
0.034
0.888
0.038
0.903
0.033
0.896
0.036
0.890
0.040
0.905
0.035
0.899
0.039
0.892
0.042
0.907
0.037
0.901
0.041
0.895
0.045
0.909
0.039
0.903
0.043
0.897
0.047
0.911
0.041
0.905
0.045
0.900
0.050
0.913
0.043
0.908
0.048
0.902
0.052
0.915
0.045
0.910
0.050
0.904
0.054
0.917
0.047
0.912
0.052
0.907
0.057
0.920
0.050
0.914
0.054
0.909
0.059
0.922
0.052
0.917
0.057
0.912
0.062
0.924
0.054
0.919
0.059
0.914
0.064
0.926
0.056
0.921
0.061
0.917
0.067
0.872
0.032
0.865
0.035
0.858
0.038
0.874
0.034
0.867
0.037
0.860
0.040
0.876
0.036
0.869
0.039
0.863
0.043
0.879
0.039
0.872
0.042
0.866
0.046
0.881
0.041
0.875
0.045
0.869
0.049
0.884
0.044
0.877
0.047
0.871
0.051
0.886
0.046
0.880
0.050
0.874
0.054
0.889
0.049
0.883
0.053
0.877
0.057
0.891
0.051
0.886
0.056
0.880
0.060
0.894
0.054
0.888
0.058
0.883
0.063
0.897
0.057
0.891
0.061
0.886
0.066
0.899
0.059
0.894
0.064
0.889
0.069
0.902
0.062
0.897
0.067
0.892
0.072
0.904
0.064
0.900
0.070
0.895
0.075
0.907
0.067
0.902
0.072
0.898
0.078
0.910
0.070
0.905
0.075
0.901
0.081
0.912
0.072
0.908
0.078
0.904
0.084
0.851
0.041
0.844
0.044
0.838
0.048
0.853
0.043
0.847
0.047
0.840
0.050
0.856
0.046
0.850
0.050
0.844
0.054
0.859
0.049
0.853
0.053
0.847
0.057
0.862
0.052
0.856
0.056
0.850
0.060
0.865
0.055
0.859
0.059
0.854
0.064
0.868
0.058
0.863
0.063
0.857
0.067
0.871
0.061
0.866
0.066
0.860
0.070
0.874
0.064
0.869
0.069
0.864
0.074
0.878
0.068
0.872
0.072
0.867
0.077
0.881
0.071
0.875
0.075
0.870
0.080
0.884
0.074
0.879
0.079
0.874
0.084
0.887
0.077
0.882
0.082
0.877
0.087
0.890
0.080
0.885
0.085
0.881
0.091
0.893
0.083
0.889
0.089
0.884
0.094
0.896
0.086
0.892
0.092
0.888
0.098
0.899
0.089
0.895
0.095
0.891
0.101
0.831
0.051
0.825
0.055
0.818
0.058
0.834
0.054
0.828
0.058
0.821
0.061
0.837
0.057
0.831
0.061
0.825
0.065
0.841
0.061
0.835
0.065
0.829
0.069
0.844
0.064
0.838
0.068
0.833
0.073
0.848
0.068
0.842
0.072
0.836
0.076
0.851
0.071
0.846
0.076
0.840
0.080
0.855
0.075
0.849
0.079
0.844
0.084
0.858
0.078
0.853
0.083
0.848
0.088
0.862
0.082
0.857
0.087
0.852
0.092
0.865
0.085
0.860
0.090
0.856
0.096
0.869
0.089
0.864
0.094
0.859
0.099
0.873
0.093
0.868
0.098
0.863
0.103
0.876
0.096
0.872
0.102
0.867
0.107
0.880
0.100
0.875
0.105
0.871
0.111
0.883
0.103
0.879
0.109
0.875
0.115
0.887
0.107
0.883
0.113
0.879
0.119
0.812
0.062
0.806
0.066
0.800
0.070
0.815
0.065
0.809
0.069
0.803
0.073
0.819
0.069
0.813
0.073
0.807
0.077
0.823
0.073
0.817
0.077
0.812
0.082
0.827
0.077
0.821
0.081
0.816
0.086
0.831
0.081
0.825
0.085
0.820
0.090
0.835
0.085
0.829
0.089
0.824
0.094
0.839
0.089
0.833
0.093
0.828
0.098
0.843
0.093
0.838
0.098
0.833
0.103
0.847
0.097
0.842
0.102
0.837
0.107
0.851
0.101
0.846
0.106
0.841
0.111
0.855
0.105
0.850
0.110
0.846
0.116
0.859
0.109
0.854
0.114
0.850
0.120
0.863
0.113
0.858
0.118
0.854
0.124
0.867
0.117
0.863
0.123
0.858
0.128
0.871
0.121
0.867
0.127
0.863
0.133
0.875
0.125
0.871
0.131
0.867
0.137
0.794
0.074
0.788
0.078
0.782
0.082
0.797
0.077
0.791
0.081
0.786
0.086
0.801
0.081
0.796
0.086
0.790
0.090
0.806
0.086
0.800
0.090
0.795
0.095
0.810
0.090
0.805
0.095
0.799
0.099
0.815
0.095
0.809
0.099
0.804
0.104
0.819
0.099
0.814
0.104
0.809
0.109
0.823
0.103
0.818
0.108
0.813
0.113
0.828
0.108
0.823
0.113
0.818
0.118
0.832
0.112
0.827
0.117
0.823
0.123
0.837
0.117
0.832
0.122
0.827
0.127
0.841
0.121
0.837
0.127
0.832
0.132
0.845
0.125
0.841
0.131
0.837
0.137
0.850
0.130
0.846
0.136
0.842
0.142
0.854
0.134
0.850
0.140
0.846
0.146
0.859
0.139
0.855
0.145
0.851
0.151
0.863
0.143
0.860
0.150
0.856
0.156
83
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.804 0.808 0.813 0.818 0.823
0.114 0.118 0.123 0.128 0.133
0.799 0.804 0.809 0.814 0.819
0.119 0.124 0.129 0.134 0.139
0.794 0.799 0.804 0.809 0.814
0.124 0.129 0.134 0.139 0.144
51
0.776
0.086
0.770
0.090
0.764
0.094
52
0.780
0.090
0.774
0.094
0.769
0.099
53
0.784
0.094
0.779
0.099
0.774
0.104
54
0.789
0.099
0.784
0.104
0.779
0.109
55
0.794
0.104
0.789
0.109
0.784
0.114
56
0.799
0.109
0.794
0.114
0.789
0.119
62
0.828
0.138
0.823
0.143
0.819
0.149
63
0.833
0.143
0.828
0.148
0.824
0.154
64
0.838
0.148
0.833
0.153
0.829
0.159
65
0.842
0.152
0.838
0.158
0.835
0.165
66
0.847
0.157
0.843
0.163
0.840
0.170
67
0.852
0.162
0.848
0.168
0.845
0.175
0.759
0.099
0.753
0.103
0.748
0.108
0.763
0.103
0.758
0.108
0.752
0.112
0.768
0.108
0.763
0.113
0.758
0.118
0.773
0.113
0.768
0.118
0.763
0.123
0.779
0.119
0.774
0.124
0.769
0.129
0.784
0.124
0.779
0.129
0.774
0.134
0.789
0.129
0.784
0.134
0.779
0.139
0.794
0.134
0.789
0.139
0.785
0.145
0.799
0.139
0.795
0.145
0.790
0.150
0.805
0.145
0.800
0.150
0.796
0.156
0.810
0.150
0.806
0.156
0.801
0.161
0.815
0.155
0.811
0.161
0.807
0.167
0.820
0.160
0.816
0.166
0.812
0.172
0.826
0.166
0.822
0.172
0.818
0.178
0.831
0.171
0.827
0.177
0.823
0.183
0.836
0.176
0.832
0.182
0.829
0.189
0.841
0.181
0.838
0.188
0.834
0.194
0.742
0.112
0.737
0.117
0.732
0.122
0.747
0.117
0.742
0.122
0.737
0.127
0.752
0.122
0.747
0.127
0.742
0.132
0.758
0.128
0.753
0.133
0.748
0.138
0.764
0.134
0.759
0.139
0.754
0.144
0.769
0.139
0.765
0.145
0.760
0.150
0.775
0.145
0.770
0.150
0.766
0.156
0.780
0.150
0.776
0.156
0.771
0.161
0.786
0.156
0.782
0.162
0.777
0.167
0.792
0.162
0.787
0.167
0.783
0.173
0.797
0.167
0.793
0.173
0.789
0.179
0.803
0.173
0.799
0.179
0.795
0.185
0.808
0.178
0.804
0.184
0.801
0.191
0.814
0.184
0.810
0.190
0.807
0.197
0.820
0.190
0.816
0.196
0.812
0.202
0.825
0.195
0.822
0.202
0.818
0.208
0.831
0.201
0.827
0.207
0.824
0.214
0.726
0.126
0.721
0.131
0.716
0.136
0.731
0.131
0.726
0.136
0.721
0.141
0.737
0.137
0.732
0.142
0.728
0.148
0.743
0.143
0.739
0.149
0.734
0.154
0.749
0.149
0.745
0.155
0.740
0.160
0.755
0.155
0.751
0.161
0.746
0.166
0.761
0.161
0.757
0.167
0.752
0.172
0.767
0.167
0.763
0.173
0.759
0.179
0.773
0.173
0.769
0.179
0.765
0.185
0.779
0.179
0.775
0.185
0.771
0.191
0.785
0.185
0.781
0.191
0.777
0.197
0.791
0.191
0.787
0.197
0.783
0.203
0.797
0.197
0.793
0.203
0.789
0.209
0.803
0.203
0.799
0.209
0.796
0.216
0.809
0.209
0.805
0.215
0.802
0.222
0.815
0.215
0.811
0.221
0.808
0.228
0.821
0.221
0.818
0.228
0.814
0.234
0.711
0.141
0.706
0.146
0.701
0.151
0.717
0.147
0.712
0.152
0.707
0.157
0.723
0.153
0.718
0.158
0.713
0.163
0.729
0.159
0.725
0.165
0.720
0.170
0.736
0.166
0.731
0.171
0.727
0.177
0.742
0.172
0.737
0.177
0.733
0.183
0.748
0.178
0.744
0.184
0.740
0.190
0.754
0.184
0.750
0.190
0.746
0.196
0.761
0.191
0.757
0.197
0.753
0.203
0.767
0.197
0.763
0.203
0.759
0.209
0.773
0.203
0.769
0.209
0.766
0.216
0.779
0.209
0.776
0.216
0.772
0.222
0.786
0.216
0.782
0.222
0.779
0.229
0.792
0.222
0.789
0.229
0.785
0.235
0.798
0.228
0.795
0.235
0.792
0.242
0.805
0.235
0.801
0.241
0.798
0.248
0.811
0.241
0.808
0.248
0.805
0.255
0.697
0.157
0.692
0.162
0.687
0.167
0.702
0.162
0.698
0.168
0.693
0.173
0.709
0.169
0.704
0.174
0.700
0.180
0.716
0.176
0.711
0.181
0.707
0.187
0.722
0.182
0.718
0.188
0.714
0.194
0.729
0.189
0.725
0.195
0.721
0.201
0.735
0.195
0.731
0.201
0.727
0.207
0.742
0.202
0.738
0.208
0.734
0.214
0.749
0.209
0.745
0.215
0.741
0.221
0.755
0.215
0.751
0.221
0.748
0.228
0.762
0.222
0.758
0.228
0.754
0.234
0.768
0.228
0.765
0.235
0.761
0.241
0.775
0.235
0.772
0.242
0.768
0.248
0.782
0.242
0.778
0.248
0.775
0.255
0.788
0.248
0.785
0.255
0.782
0.262
0.795
0.255
0.792
0.262
0.789
0.269
0.802
0.262
0.799
0.269
0.795
0.275
0.682
0.172
0.678
0.178
0.673
0.183
0.688
0.178
0.684
0.184
0.680
0.190
0.695
0.185
0.691
0.191
0.687
0.197
0.703
0.193
0.698
0.198
0.694
0.204
0.710
0.200
0.705
0.205
0.701
0.211
0.716
0.206
0.712
0.212
0.708
0.218
0.723
0.213
0.719
0.219
0.715
0.225
0.730
0.220
0.726
0.226
0.722
0.232
0.737
0.227
0.733
0.233
0.730
0.240
0.744
0.234
0.740
0.240
0.737
0.247
0.751
0.241
0.747
0.247
0.744
0.254
0.758
0.248
0.754
0.254
0.751
0.261
0.765
0.255
0.761
0.261
0.758
0.268
0.772
0.262
0.768
0.268
0.765
0.275
0.779
0.269
0.775
0.275
0.772
0.282
0.786
0.276
0.782
0.282
0.779
0.289
0.792
0.282
0.790
0.290
0.787
0.297
0.669
0.189
0.664
0.194
0.660
0.200
0.675
0.195
0.671
0.201
0.667
0.207
0.682
0.202
0.678
0.208
0.674
0.214
0.690
0.210
0.686
0.216
0.682
0.222
0.697
0.217
0.693
0.223
0.689
0.229
0.704
0.224
0.700
0.230
0.697
0.237
0.712
0.232
0.708
0.238
0.704
0.244
0.719
0.239
0.715
0.245
0.711
0.251
0.726
0.246
0.722
0.252
0.719
0.259
0.733
0.253
0.730
0.260
0.726
0.266
0.740
0.260
0.737
0.267
0.733
0.273
0.748
0.268
0.744
0.274
0.741
0.281
0.755
0.275
0.751
0.281
0.748
0.288
0.762
0.282
0.759
0.289
0.756
0.296
0.769
0.289
0.766
0.296
0.763
0.303
0.776
0.296
0.773
0.303
0.770
0.310
0.784
0.304
0.781
0.311
0.778
0.318
0.656
0.206
0.652
0.212
0.647
0.217
0.662
0.212
0.658
0.218
0.654
0.224
0.670
0.220
0.666
0.226
0.662
0.232
0.678
0.228
0.674
0.234
0.670
0.240
0.685
0.235
0.681
0.241
0.678
0.248
0.693
0.243
0.689
0.249
0.685
0.255
0.700
0.250
0.697
0.257
0.693
0.263
0.708
0.258
0.704
0.264
0.701
0.271
0.715
0.265
0.712
0.272
0.708
0.278
0.723
0.273
0.719
0.279
0.716
0.286
0.730
0.280
0.727
0.287
0.724
0.294
0.738
0.288
0.734
0.294
0.731
0.301
0.745
0.295
0.742
0.302
0.739
0.309
0.753
0.303
0.750
0.310
0.746
0.316
0.760
0.310
0.757
0.317
0.754
0.324
0.768
0.318
0.765
0.325
0.762
0.332
0.775
0.325
0.772
0.332
0.770
0.340
0.643
0.223
0.639
0.229
0.635
0.235
0.650
0.230
0.646
0.236
0.642
0.242
0.658
0.238
0.654
0.244
0.650
0.250
0.666
0.246
0.662
0.252
0.658
0.258
0.674
0.254
0.670
0.260
0.666
0.266
0.682
0.262
0.678
0.268
0.674
0.274
0.689
0.269
0.686
0.276
0.682
0.282
0.697
0.277
0.694
0.284
0.690
0.290
0.705
0.285
0.701
0.291
0.698
0.298
0.713
0.293
0.709
0.299
0.706
0.306
0.720
0.300
0.717
0.307
0.714
0.314
0.728
0.308
0.725
0.315
0.722
0.322
0.736
0.316
0.733
0.323
0.730
0.330
0.744
0.324
0.741
0.331
0.738
0.338
0.751
0.331
0.748
0.338
0.746
0.346
0.759
0.339
0.756
0.346
0.753
0.353
0.767
0.347
0.764
0.354
0.761
0.361
84
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.679 0.687 0.695 0.703 0.711
0.289 0.297 0.305 0.313 0.321
0.675 0.683 0.692 0.700 0.708
0.295 0.303 0.312 0.320 0.328
0.672 0.680 0.688 0.696 0.705
0.302 0.310 0.318 0.326 0.335
51
0.631
0.241
0.627
0.247
0.623
0.253
52
0.638
0.248
0.634
0.254
0.630
0.260
53
0.646
0.256
0.642
0.262
0.639
0.269
54
0.655
0.265
0.651
0.271
0.647
0.277
55
0.663
0.273
0.659
0.279
0.656
0.286
56
0.671
0.281
0.667
0.287
0.664
0.294
62
0.719
0.329
0.716
0.336
0.713
0.343
63
0.727
0.337
0.724
0.344
0.721
0.351
64
0.735
0.345
0.732
0.352
0.729
0.359
65
0.743
0.353
0.740
0.360
0.737
0.367
66
0.751
0.361
0.748
0.368
0.745
0.375
67
0.759
0.369
0.756
0.376
0.754
0.384
0.619
0.259
0.615
0.265
0.612
0.272
0.627
0.267
0.623
0.273
0.619
0.279
0.635
0.275
0.631
0.281
0.628
0.288
0.644
0.284
0.640
0.290
0.637
0.297
0.652
0.292
0.649
0.299
0.645
0.305
0.660
0.300
0.657
0.307
0.654
0.314
0.669
0.309
0.665
0.315
0.662
0.322
0.677
0.317
0.674
0.324
0.671
0.331
0.685
0.325
0.682
0.332
0.679
0.339
0.693
0.333
0.690
0.340
0.687
0.347
0.702
0.342
0.699
0.349
0.696
0.356
0.710
0.350
0.707
0.357
0.704
0.364
0.718
0.358
0.715
0.365
0.712
0.372
0.726
0.366
0.723
0.373
0.721
0.381
0.734
0.374
0.732
0.382
0.729
0.389
0.743
0.383
0.740
0.390
0.737
0.397
0.751
0.391
0.748
0.398
0.746
0.406
0.608
0.278
0.604
0.284
0.601
0.291
0.616
0.286
0.612
0.292
0.608
0.298
0.624
0.294
0.621
0.301
0.617
0.307
0.633
0.303
0.630
0.310
0.626
0.316
0.642
0.312
0.639
0.319
0.635
0.325
0.650
0.320
0.647
0.327
0.644
0.334
0.659
0.329
0.656
0.336
0.653
0.343
0.667
0.337
0.664
0.344
0.661
0.351
0.676
0.346
0.673
0.353
0.670
0.360
0.684
0.354
0.681
0.361
0.678
0.368
0.693
0.363
0.690
0.370
0.687
0.377
0.701
0.371
0.698
0.378
0.695
0.385
0.710
0.380
0.707
0.387
0.704
0.394
0.718
0.388
0.715
0.395
0.713
0.403
0.726
0.396
0.724
0.404
0.721
0.411
0.735
0.405
0.732
0.412
0.730
0.420
0.743
0.413
0.741
0.421
0.738
0.428
0.597
0.297
0.594
0.304
0.590
0.310
0.605
0.305
0.601
0.311
0.598
0.318
0.614
0.314
0.610
0.320
0.607
0.327
0.623
0.323
0.620
0.330
0.617
0.337
0.632
0.332
0.629
0.339
0.626
0.346
0.641
0.341
0.638
0.348
0.634
0.354
0.649
0.349
0.646
0.356
0.643
0.363
0.658
0.358
0.655
0.365
0.652
0.372
0.667
0.367
0.664
0.374
0.661
0.381
0.675
0.375
0.673
0.383
0.670
0.390
0.684
0.384
0.681
0.391
0.679
0.399
0.693
0.393
0.690
0.400
0.687
0.407
0.701
0.401
0.699
0.409
0.696
0.416
0.710
0.410
0.707
0.417
0.705
0.425
0.719
0.419
0.716
0.426
0.714
0.434
0.727
0.427
0.725
0.435
0.722
0.442
0.736
0.436
0.734
0.444
0.731
0.451
0.587
0.317
0.583
0.323
0.580
0.330
0.595
0.325
0.591
0.331
0.588
0.338
0.604
0.334
0.601
0.341
0.597
0.347
0.613
0.343
0.610
0.350
0.607
0.357
0.622
0.352
0.619
0.359
0.616
0.366
0.631
0.361
0.628
0.368
0.625
0.375
0.640
0.370
0.637
0.377
0.634
0.384
0.649
0.379
0.646
0.386
0.643
0.393
0.658
0.388
0.655
0.395
0.652
0.402
0.667
0.397
0.664
0.404
0.661
0.411
0.676
0.406
0.673
0.413
0.670
0.420
0.685
0.415
0.682
0.422
0.679
0.429
0.693
0.423
0.691
0.431
0.688
0.438
0.702
0.432
0.700
0.440
0.697
0.447
0.711
0.441
0.709
0.449
0.706
0.456
0.720
0.450
0.718
0.458
0.715
0.465
0.729
0.459
0.727
0.467
0.724
0.474
0.576
0.336
0.573
0.343
0.570
0.350
0.585
0.345
0.581
0.351
0.578
0.358
0.594
0.354
0.591
0.361
0.588
0.368
0.604
0.364
0.601
0.371
0.598
0.378
0.613
0.373
0.610
0.380
0.607
0.387
0.622
0.382
0.619
0.389
0.616
0.396
0.631
0.391
0.629
0.399
0.626
0.406
0.641
0.401
0.638
0.408
0.635
0.415
0.650
0.410
0.647
0.417
0.644
0.424
0.659
0.419
0.656
0.426
0.653
0.433
0.668
0.428
0.665
0.435
0.662
0.442
0.677
0.437
0.674
0.444
0.672
0.452
0.686
0.446
0.683
0.453
0.681
0.461
0.695
0.455
0.692
0.462
0.690
0.470
0.704
0.464
0.701
0.471
0.699
0.479
0.713
0.473
0.711
0.481
0.708
0.488
0.722
0.482
0.720
0.490
0.718
0.498
0.567
0.357
0.563
0.363
0.560
0.370
0.575
0.365
0.572
0.372
0.569
0.379
0.585
0.375
0.582
0.382
0.579
0.389
0.595
0.385
0.592
0.392
0.589
0.399
0.604
0.394
0.601
0.401
0.599
0.409
0.614
0.404
0.611
0.411
0.608
0.418
0.623
0.413
0.620
0.420
0.617
0.427
0.632
0.422
0.629
0.429
0.627
0.437
0.641
0.431
0.639
0.439
0.636
0.446
0.651
0.441
0.648
0.448
0.645
0.455
0.660
0.450
0.657
0.457
0.655
0.465
0.669
0.459
0.667
0.467
0.664
0.474
0.678
0.468
0.676
0.476
0.673
0.483
0.688
0.478
0.685
0.485
0.683
0.493
0.697
0.487
0.694
0.494
0.692
0.502
0.706
0.496
0.704
0.504
0.702
0.512
0.715
0.505
0.713
0.513
0.711
0.521
0.557
0.377
0.554
0.384
0.551
0.391
0.566
0.386
0.563
0.393
0.560
0.400
0.576
0.396
0.573
0.403
0.570
0.410
0.586
0.406
0.583
0.413
0.580
0.420
0.596
0.416
0.593
0.423
0.590
0.430
0.605
0.425
0.602
0.432
0.600
0.440
0.615
0.435
0.612
0.442
0.609
0.449
0.624
0.444
0.621
0.451
0.619
0.459
0.634
0.454
0.631
0.461
0.628
0.468
0.643
0.463
0.640
0.470
0.638
0.478
0.652
0.472
0.650
0.480
0.647
0.487
0.662
0.482
0.659
0.489
0.657
0.497
0.671
0.491
0.669
0.499
0.666
0.506
0.680
0.500
0.678
0.508
0.676
0.516
0.690
0.510
0.688
0.518
0.685
0.525
0.699
0.519
0.697
0.527
0.695
0.535
0.709
0.529
0.707
0.537
0.705
0.545
0.548
0.398
0.545
0.405
0.542
0.412
0.557
0.407
0.554
0.414
0.551
0.421
0.567
0.417
0.564
0.424
0.561
0.431
0.577
0.427
0.575
0.435
0.572
0.442
0.587
0.437
0.585
0.445
0.582
0.452
0.597
0.447
0.594
0.454
0.592
0.462
0.607
0.457
0.604
0.464
0.601
0.471
0.616
0.466
0.614
0.474
0.611
0.481
0.626
0.476
0.623
0.483
0.621
0.491
0.635
0.485
0.633
0.493
0.631
0.501
0.645
0.495
0.643
0.503
0.640
0.510
0.655
0.505
0.652
0.512
0.650
0.520
0.664
0.514
0.662
0.522
0.660
0.530
0.674
0.524
0.671
0.531
0.669
0.539
0.683
0.533
0.681
0.541
0.679
0.549
0.693
0.543
0.691
0.551
0.689
0.559
0.702
0.552
0.700
0.560
0.698
0.568
0.539
0.419
0.536
0.426
0.534
0.434
0.548
0.428
0.545
0.435
0.543
0.443
0.558
0.438
0.556
0.446
0.553
0.453
0.569
0.449
0.566
0.456
0.564
0.464
0.579
0.459
0.577
0.467
0.574
0.474
0.589
0.469
0.586
0.476
0.584
0.484
0.599
0.479
0.596
0.486
0.594
0.494
0.609
0.489
0.606
0.496
0.604
0.504
0.619
0.499
0.616
0.506
0.614
0.514
0.628
0.508
0.626
0.516
0.624
0.524
0.638
0.518
0.636
0.526
0.633
0.533
0.648
0.528
0.645
0.535
0.643
0.543
0.657
0.537
0.655
0.545
0.653
0.553
0.667
0.547
0.665
0.555
0.663
0.563
0.677
0.557
0.675
0.565
0.673
0.573
0.687
0.567
0.684
0.574
0.682
0.582
0.696
0.576
0.694
0.584
0.692
0.592
85
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.91
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.591 0.601 0.611 0.621 0.631
0.501 0.511 0.521 0.531 0.541
0.589 0.599 0.609 0.619 0.629
0.509 0.519 0.529 0.539 0.549
0.587 0.597 0.607 0.617 0.627
0.517 0.527 0.537 0.547 0.557
51
0.531
0.441
0.529
0.449
0.526
0.456
52
0.540
0.450
0.539
0.459
0.537
0.467
53
0.550
0.460
0.549
0.469
0.546
0.476
54
0.561
0.471
0.559
0.479
0.556
0.486
55
0.571
0.481
0.569
0.489
0.566
0.496
56
0.581
0.491
0.579
0.499
0.576
0.506
0.524
0.464
0.521
0.471
0.519
0.479
0.534
0.474
0.531
0.481
0.529
0.489
0.544
0.484
0.541
0.491
0.539
0.499
0.554
0.494
0.552
0.502
0.549
0.509
0.564
0.504
0.562
0.512
0.559
0.519
0.574
0.514
0.572
0.522
0.569
0.529
0.584
0.524
0.582
0.532
0.580
0.540
0.594
0.534
0.592
0.542
0.590
0.550
0.604
0.544
0.602
0.552
0.600
0.560
0.614
0.554
0.612
0.562
0.610
0.570
0.517
0.487
0.515
0.495
0.512
0.502
0.527
0.497
0.525
0.505
0.522
0.512
0.537
0.507
0.535
0.515
0.532
0.522
0.547
0.517
0.544
0.524
0.542
0.532
0.557
0.527
0.554
0.534
0.553
0.543
0.567
0.537
0.565
0.545
0.563
0.553
0.577
0.547
0.575
0.555
0.573
0.563
0.587
0.557
0.585
0.565
0.583
0.573
0.597
0.567
0.595
0.575
0.593
0.583
1.00
1.01
1.02
1.03
1.04
1.05
0.510
0.504
0.502
0.499
0.497
0.494
0.520
0.514
0.511
0.509
0.506
0.503
0.530
0.525
0.522
0.520
0.518
0.514
0.540
0.536
0.534
0.531
0.529
0.525
0.550
0.547
0.544
0.542
0.540
0.537
0.560
0.557
0.555
0.553
0.551
0.548
0.570
0.568
0.566
0.564
0.562
0.559
0.580
0.578
0.576
0.575
0.572
0.570
1.06
1.07
1.08
1.09
1.10
0.492
0.489
0.487
0.484
0.482
0.501
0.499
0.496
0.494
0.492
0.512
0.510
0.506
0.504
0.502
0.523
0.521
0.516
0.514
0.512
0.534
0.532
0.528
0.525
0.523
0.546
0.544
0.540
0.538
0.536
0.557
0.555
0.552
0.550
0.548
1.11
1.12
1.13
1.14
1.15
0.480
0.478
0.476
0.473
0.471
0.489
0.487
0.485
0.483
0.481
0.499
0.497
0.495
0.493
0.491
0.510
0.507
0.505
0.503
0.501
0.521
0.519
0.517
0.515
0.513
0.534
0.531
0.530
0.528
0.526
1.16
1.17
1.18
1.19
1.20
0.469
0.467
0.465
0.463
0.461
0.478
0.476
0.474
0.472
0.470
0.489
0.487
0.484
0.482
0.480
0.499
0.497
0.495
0.493
0.491
0.511
0.509
0.507
0.505
0.503
1.21
1.22
1.23
1.24
1.25
0.459
0.457
0.455
0.453
0.451
0.468
0.466
0.464
0.462
0.460
0.478
0.476
0.474
0.473
0.471
0.489
0.487
0.485
0.483
0.481
1.26
1.27
1.28
1.29
1.30
0.449
0.447
0.445
0.443
0.441
0.458
0.456
0.455
0.453
0.451
0.469
0.467
0.465
0.463
0.461
1.31
1.32
1.33
1.34
1.35
0.439
0.437
0.436
0.434
0.432
0.449
0.447
0.445
0.444
0.442
1.36
1.37
1.38
1.39
1.40
0.430
0.428
0.427
0.425
0.423
0.440
0.438
0.437
0.435
0.433
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
62
0.641
0.551
0.639
0.559
0.636
0.566
63
0.651
0.561
0.649
0.569
0.646
0.576
64
0.661
0.571
0.658
0.578
0.656
0.586
65
0.670
0.580
0.668
0.588
0.666
0.596
66
0.680
0.590
0.678
0.598
0.676
0.606
67
0.690
0.600
0.688
0.608
0.686
0.616
0.624
0.564
0.622
0.572
0.620
0.580
0.634
0.574
0.632
0.582
0.630
0.590
0.644
0.584
0.642
0.592
0.639
0.599
0.654
0.594
0.652
0.602
0.649
0.609
0.664
0.604
0.662
0.612
0.659
0.619
0.674
0.614
0.672
0.622
0.669
0.629
0.684
0.624
0.682
0.632
0.679
0.639
0.607
0.577
0.605
0.585
0.602
0.592
0.617
0.587
0.615
0.595
0.612
0.602
0.627
0.597
0.625
0.605
0.622
0.612
0.637
0.607
0.635
0.615
0.632
0.622
0.647
0.617
0.645
0.625
0.642
0.632
0.657
0.627
0.655
0.635
0.652
0.642
0.667
0.637
0.665
0.645
0.662
0.652
0.677
0.647
0.675
0.655
0.672
0.662
0.590
0.589
0.587
0.585
0.583
0.581
0.600
0.599
0.597
0.596
0.594
0.592
0.610
0.609
0.608
0.606
0.604
0.602
0.620
0.620
0.618
0.616
0.615
0.613
0.630
0.630
0.629
0.627
0.625
0.624
0.640
0.640
0.639
0.637
0.636
0.634
0.650
0.650
0.649
0.648
0.647
0.645
0.660
0.660
0.660
0.658
0.657
0.656
0.670
0.670
0.670
0.669
0.668
0.667
0.568
0.566
0.564
0.562
0.560
0.579
0.577
0.575
0.574
0.572
0.590
0.588
0.587
0.585
0.583
0.601
0.599
0.598
0.596
0.594
0.611
0.611
0.609
0.607
0.605
0.622
0.622
0.620
0.618
0.616
0.633
0.632
0.631
0.629
0.627
0.643
0.643
0.642
0.640
0.638
0.654
0.654
0.652
0.651
0.649
0.665
0.665
0.663
0.662
0.660
0.546
0.544
0.543
0.541
0.539
0.558
0.556
0.555
0.554
0.552
0.570
0.568
0.567
0.566
0.564
0.581
0.579
0.578
0.577
0.575
0.592
0.591
0.589
0.588
0.586
0.604
0.602
0.600
0.599
0.597
0.615
0.613
0.611
0.610
0.608
0.626
0.624
0.623
0.621
0.619
0.637
0.636
0.634
0.633
0.631
0.648
0.647
0.646
0.645
0.643
0.658
0.658
0.658
0.657
0.655
0.524
0.522
0.520
0.518
0.516
0.537
0.535
0.533
0.531
0.529
0.550
0.548
0.546
0.544
0.543
0.562
0.560
0.558
0.557
0.555
0.573
0.571
0.570
0.568
0.566
0.584
0.582
0.581
0.579
0.577
0.595
0.593
0.592
0.590
0.588
0.606
0.605
0.603
0.601
0.600
0.618
0.616
0.614
0.613
0.611
0.630
0.628
0.626
0.625
0.623
0.642
0.640
0.638
0.637
0.635
0.653
0.652
0.650
0.649
0.648
0.501
0.499
0.497
0.495
0.494
0.514
0.512
0.511
0.509
0.507
0.528
0.526
0.524
0.522
0.520
0.541
0.539
0.537
0.536
0.534
0.553
0.551
0.550
0.548
0.546
0.564
0.563
0.561
0.559
0.558
0.576
0.574
0.572
0.571
0.569
0.587
0.585
0.584
0.582
0.580
0.598
0.596
0.595
0.593
0.592
0.610
0.608
0.607
0.605
0.604
0.622
0.620
0.619
0.617
0.616
0.634
0.632
0.631
0.630
0.628
0.646
0.645
0.643
0.642
0.640
0.479
0.478
0.476
0.474
0.472
0.492
0.490
0.488
0.486
0.485
0.505
0.503
0.502
0.500
0.498
0.519
0.517
0.515
0.514
0.512
0.532
0.530
0.529
0.527
0.525
0.545
0.543
0.541
0.540
0.538
0.556
0.554
0.553
0.551
0.550
0.567
0.566
0.564
0.563
0.561
0.579
0.577
0.576
0.574
0.573
0.590
0.589
0.587
0.586
0.584
0.602
0.601
0.599
0.598
0.596
0.614
0.613
0.611
0.610
0.609
0.627
0.625
0.624
0.622
0.621
0.639
0.638
0.636
0.635
0.633
0.460
0.458
0.456
0.454
0.452
0.470
0.469
0.467
0.465
0.463
0.483
0.481
0.479
0.478
0.476
0.497
0.495
0.493
0.492
0.490
0.510
0.509
0.507
0.505
0.504
0.524
0.522
0.521
0.519
0.518
0.537
0.535
0.534
0.532
0.530
0.548
0.547
0.545
0.544
0.542
0.560
0.558
0.557
0.555
0.554
0.571
0.570
0.568
0.567
0.565
0.583
0.581
0.580
0.578
0.577
0.595
0.593
0.592
0.591
0.589
0.607
0.606
0.604
0.603
0.602
0.620
0.618
0.617
0.616
0.614
0.632
0.631
0.630
0.628
0.627
0.451
0.449
0.447
0.446
0.444
0.462
0.460
0.458
0.457
0.455
0.474
0.473
0.471
0.469
0.468
0.488
0.487
0.485
0.483
0.482
0.502
0.501
0.499
0.497
0.496
0.516
0.514
0.513
0.511
0.510
0.529
0.527
0.526
0.525
0.523
0.541
0.539
0.538
0.536
0.535
0.552
0.551
0.549
0.548
0.547
0.564
0.563
0.561
0.560
0.558
0.576
0.574
0.573
0.571
0.570
0.588
0.586
0.585
0.584
0.582
0.600
0.599
0.598
0.596
0.595
0.613
0.612
0.610
0.609
0.608
0.626
0.624
0.623
0.622
0.621
86
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
51
0.422
0.420
0.418
0.417
0.415
52
0.431
0.430
0.428
0.427
0.425
53
0.442
0.441
0.439
0.437
0.436
54
0.453
0.452
0.450
0.448
0.447
55
0.466
0.465
0.463
0.462
0.460
56
0.480
0.479
0.477
0.476
0.474
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.494 0.508 0.522 0.533 0.545
0.493 0.507 0.520 0.532 0.544
0.491 0.506 0.519 0.531 0.542
0.490 0.504 0.517 0.529 0.541
0.488 0.503 0.516 0.528 0.540
1.46
1.47
1.48
1.49
1.50
0.413
0.412
0.410
0.409
0.407
0.423
0.422
0.420
0.419
0.417
0.434
0.433
0.431
0.430
0.428
0.445
0.444
0.442
0.441
0.439
0.458
0.457
0.455
0.454
0.452
0.473
0.471
0.470
0.468
0.467
0.487
0.486
0.484
0.483
0.481
0.501
0.500
0.498
0.497
0.496
0.515
0.513
0.512
0.510
0.509
0.526
0.525
0.524
0.522
0.521
1.51
1.52
1.53
1.54
1.55
0.406
0.404
0.403
0.401
0.400
0.416
0.414
0.413
0.411
0.410
0.426
0.425
0.423
0.422
0.421
0.438
0.436
0.435
0.433
0.432
0.451
0.450
0.448
0.447
0.445
0.465
0.464
0.463
0.461
0.460
0.480
0.478
0.477
0.476
0.474
0.494
0.493
0.492
0.490
0.489
0.508
0.506
0.505
0.504
0.503
1.56
1.57
1.58
1.59
1.60
0.398
0.397
0.395
0.394
0.392
0.408
0.407
0.405
0.404
0.402
0.419
0.418
0.416
0.415
0.413
0.430
0.429
0.428
0.426
0.425
0.444
0.442
0.441
0.440
0.438
0.458
0.457
0.456
0.454
0.453
0.473
0.472
0.470
0.469
0.468
0.488
0.486
0.485
0.484
0.483
1.61
1.62
1.63
1.64
1.65
0.391
0.389
0.388
0.387
0.385
0.401
0.399
0.398
0.397
0.395
0.412
0.411
0.409
0.408
0.406
0.423
0.422
0.421
0.419
0.418
0.437
0.436
0.434
0.433
0.432
0.452
0.450
0.449
0.448
0.446
0.466
0.465
0.464
0.463
0.461
1.66
1.67
1.68
1.69
1.70
0.384
0.383
0.381
0.380
0.379
0.394
0.393
0.391
0.390
0.389
0.405
0.404
0.403
0.401
0.400
0.417
0.415
0.414
0.413
0.411
0.430
0.429
0.428
0.426
0.425
0.445
0.444
0.443
0.441
0.440
1.71
1.72
1.73
1.74
1.75
0.377
0.376
0.375
0.374
0.372
0.387
0.386
0.385
0.384
0.382
0.399
0.397
0.396
0.395
0.394
0.410
0.409
0.408
0.406
0.405
0.424
0.423
0.421
0.420
0.419
1.76
1.77
1.78
1.79
1.80
0.371
0.370
0.369
0.367
0.366
0.381
0.380
0.379
0.377
0.376
0.392
0.391
0.390
0.389
0.388
0.404
0.403
0.402
0.400
0.399
1.81
1.82
1.83
1.84
1.85
0.365
0.364
0.363
0.361
0.360
0.375
0.374
0.373
0.372
0.370
0.386
0.385
0.384
0.383
0.382
1.86
1.87
1.88
1.89
1.90
0.359
0.358
0.357
0.356
0.355
0.369
0.368
0.367
0.366
0.365
1.91
1.92
1.93
1.94
1.95
0.354
0.352
0.351
0.350
0.349
1.96
1.97
1.98
1.99
2.00
0.348
0.347
0.346
0.345
0.344
62
0.557
0.556
0.554
0.553
0.552
63
0.569
0.567
0.566
0.565
0.564
64
0.581
0.580
0.578
0.577
0.576
65
0.594
0.593
0.591
0.590
0.589
66
0.607
0.605
0.604
0.603
0.602
67
0.619
0.618
0.617
0.616
0.615
0.538
0.537
0.536
0.534
0.533
0.550
0.549
0.548
0.546
0.545
0.562
0.561
0.560
0.558
0.557
0.575
0.573
0.572
0.571
0.570
0.588
0.586
0.585
0.584
0.583
0.600
0.599
0.598
0.597
0.596
0.613
0.612
0.611
0.610
0.609
0.520
0.519
0.517
0.516
0.515
0.532
0.531
0.529
0.528
0.527
0.544
0.543
0.541
0.540
0.539
0.556
0.555
0.553
0.552
0.551
0.568
0.567
0.566
0.565
0.564
0.581
0.580
0.579
0.578
0.577
0.595
0.593
0.592
0.591
0.590
0.608
0.606
0.605
0.604
0.603
0.501
0.500
0.499
0.497
0.496
0.513
0.512
0.511
0.510
0.508
0.526
0.524
0.523
0.522
0.521
0.538
0.536
0.535
0.534
0.533
0.550
0.549
0.547
0.546
0.545
0.562
0.561
0.560
0.559
0.558
0.576
0.575
0.573
0.572
0.571
0.589
0.588
0.587
0.586
0.584
0.602
0.601
0.600
0.599
0.598
0.481
0.480
0.479
0.478
0.476
0.495
0.494
0.493
0.491
0.490
0.507
0.506
0.505
0.504
0.503
0.519
0.518
0.517
0.516
0.515
0.532
0.531
0.529
0.528
0.527
0.544
0.543
0.542
0.541
0.539
0.557
0.556
0.555
0.553
0.552
0.570
0.569
0.568
0.567
0.566
0.583
0.582
0.581
0.580
0.579
0.597
0.596
0.595
0.594
0.593
0.460
0.459
0.458
0.456
0.455
0.475
0.474
0.473
0.472
0.470
0.489
0.488
0.487
0.485
0.484
0.501
0.500
0.499
0.498
0.497
0.514
0.513
0.511
0.510
0.509
0.526
0.525
0.524
0.523
0.522
0.538
0.537
0.536
0.535
0.534
0.551
0.550
0.549
0.548
0.547
0.565
0.564
0.563
0.562
0.560
0.578
0.577
0.576
0.575
0.574
0.592
0.591
0.590
0.589
0.588
0.439
0.438
0.437
0.435
0.434
0.454
0.453
0.452
0.451
0.449
0.469
0.468
0.467
0.466
0.465
0.483
0.482
0.481
0.480
0.479
0.496
0.495
0.493
0.492
0.491
0.508
0.507
0.506
0.505
0.504
0.521
0.519
0.518
0.517
0.516
0.533
0.532
0.531
0.530
0.529
0.546
0.545
0.544
0.543
0.542
0.559
0.558
0.557
0.556
0.555
0.573
0.572
0.571
0.570
0.569
0.587
0.586
0.585
0.584
0.583
0.418
0.417
0.415
0.414
0.413
0.433
0.432
0.431
0.430
0.428
0.448
0.447
0.446
0.445
0.444
0.464
0.462
0.461
0.460
0.459
0.478
0.477
0.475
0.474
0.473
0.490
0.489
0.488
0.487
0.486
0.503
0.502
0.501
0.500
0.499
0.515
0.514
0.513
0.512
0.511
0.528
0.527
0.526
0.525
0.524
0.541
0.540
0.539
0.538
0.537
0.554
0.553
0.552
0.552
0.551
0.568
0.567
0.566
0.565
0.564
0.582
0.581
0.580
0.579
0.578
0.398
0.397
0.396
0.394
0.393
0.412
0.411
0.410
0.409
0.407
0.427
0.426
0.425
0.424
0.423
0.443
0.442
0.440
0.439
0.438
0.458
0.457
0.456
0.455
0.454
0.472
0.471
0.470
0.469
0.468
0.485
0.484
0.483
0.482
0.481
0.497
0.496
0.495
0.494
0.493
0.510
0.509
0.508
0.507
0.506
0.523
0.522
0.521
0.520
0.519
0.536
0.535
0.534
0.533
0.532
0.550
0.549
0.548
0.547
0.546
0.563
0.562
0.562
0.561
0.560
0.577
0.576
0.575
0.574
0.574
0.381
0.379
0.378
0.377
0.376
0.392
0.391
0.390
0.389
0.388
0.406
0.405
0.404
0.403
0.402
0.422
0.421
0.420
0.419
0.418
0.437
0.436
0.435
0.434
0.433
0.453
0.452
0.451
0.450
0.449
0.467
0.466
0.465
0.464
0.463
0.480
0.479
0.478
0.477
0.476
0.492
0.491
0.491
0.490
0.489
0.505
0.504
0.503
0.502
0.501
0.518
0.517
0.516
0.515
0.514
0.531
0.530
0.529
0.528
0.527
0.545
0.544
0.543
0.542
0.541
0.559
0.558
0.557
0.556
0.555
0.573
0.572
0.571
0.570
0.569
0.364
0.363
0.362
0.360
0.359
0.375
0.374
0.373
0.372
0.371
0.387
0.386
0.385
0.383
0.382
0.401
0.400
0.399
0.398
0.397
0.416
0.415
0.414
0.413
0.412
0.432
0.431
0.430
0.429
0.428
0.448
0.447
0.446
0.445
0.444
0.462
0.461
0.460
0.459
0.458
0.475
0.474
0.473
0.472
0.471
0.488
0.487
0.486
0.485
0.484
0.500
0.499
0.499
0.498
0.497
0.513
0.512
0.511
0.510
0.509
0.526
0.526
0.525
0.524
0.523
0.540
0.540
0.539
0.538
0.537
0.554
0.554
0.553
0.552
0.551
0.568
0.567
0.567
0.566
0.565
0.358
0.357
0.356
0.355
0.354
0.370
0.369
0.368
0.367
0.366
0.381
0.380
0.379
0.378
0.377
0.396
0.395
0.394
0.393
0.392
0.411
0.410
0.409
0.408
0.407
0.427
0.426
0.425
0.424
0.423
0.443
0.442
0.441
0.440
0.439
0.457
0.456
0.455
0.455
0.454
0.470
0.469
0.468
0.467
0.467
0.483
0.482
0.481
0.480
0.479
0.496
0.495
0.494
0.493
0.492
0.509
0.508
0.507
0.506
0.505
0.522
0.521
0.520
0.519
0.519
0.536
0.535
0.534
0.534
0.533
0.550
0.549
0.548
0.548
0.547
0.564
0.563
0.563
0.562
0.561
87
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
51
0.343
0.342
0.341
0.340
0.339
52
0.353
0.352
0.351
0.350
0.349
53
0.365
0.364
0.363
0.362
0.361
54
0.376
0.375
0.374
0.373
0.372
55
0.391
0.390
0.389
0.388
0.387
56
0.406
0.405
0.405
0.404
0.403
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.422 0.438 0.453 0.466 0.478
0.421 0.437 0.452 0.465 0.478
0.420 0.436 0.451 0.464 0.477
0.419 0.435 0.450 0.463 0.476
0.419 0.434 0.449 0.462 0.475
2.06
2.07
2.08
2.09
2.10
0.338
0.337
0.336
0.335
0.334
0.348
0.347
0.346
0.345
0.344
0.360
0.359
0.358
0.357
0.356
0.371
0.370
0.369
0.368
0.368
0.386
0.385
0.384
0.383
0.382
0.402
0.401
0.400
0.399
0.398
0.418
0.417
0.416
0.415
0.414
0.434
0.433
0.432
0.431
0.430
0.448
0.447
0.447
0.446
0.445
0.461
0.460
0.459
0.459
0.458
2.11
2.12
2.13
2.14
2.15
0.333
0.332
0.331
0.331
0.330
0.343
0.342
0.342
0.341
0.340
0.355
0.354
0.353
0.352
0.351
0.367
0.366
0.365
0.364
0.363
0.381
0.380
0.379
0.378
0.377
0.397
0.396
0.395
0.394
0.394
0.413
0.412
0.411
0.410
0.410
0.429
0.428
0.427
0.427
0.426
0.444
0.443
0.442
0.441
0.441
2.16
2.17
2.18
2.19
2.20
0.329
0.328
0.327
0.326
0.325
0.339
0.338
0.337
0.336
0.335
0.350
0.349
0.348
0.347
0.347
0.362
0.361
0.360
0.359
0.358
0.377
0.376
0.375
0.374
0.373
0.393
0.392
0.391
0.390
0.389
0.409
0.408
0.407
0.406
0.405
0.425
0.424
0.423
0.422
0.422
2.21
2.22
2.23
2.24
2.25
0.324
0.323
0.323
0.322
0.321
0.334
0.333
0.333
0.332
0.331
0.346
0.345
0.344
0.343
0.342
0.358
0.357
0.356
0.355
0.354
0.372
0.371
0.370
0.370
0.369
0.388
0.388
0.387
0.386
0.385
0.405
0.404
0.403
0.402
0.401
2.26
2.27
2.28
2.29
2.30
0.320
0.319
0.318
0.317
0.317
0.330
0.329
0.328
0.327
0.327
0.341
0.341
0.340
0.339
0.338
0.353
0.352
0.352
0.351
0.350
0.368
0.367
0.366
0.365
0.365
0.384
0.383
0.383
0.382
0.381
2.31
2.32
2.33
2.34
2.35
0.316
0.315
0.314
0.313
0.313
0.326
0.325
0.324
0.323
0.323
0.337
0.336
0.336
0.335
0.334
0.349
0.348
0.347
0.347
0.346
0.364
0.363
0.362
0.361
0.361
2.36
2.37
2.38
2.39
2.40
0.312
0.311
0.310
0.310
0.309
0.322
0.321
0.320
0.319
0.319
0.333
0.332
0.332
0.331
0.330
0.345
0.344
0.343
0.343
0.342
2.41
2.42
2.43
2.44
2.45
0.308
0.307
0.306
0.306
0.305
0.318
0.317
0.316
0.316
0.315
0.329
0.329
0.328
0.327
0.326
2.46
2.47
2.48
2.49
2.50
0.304
0.304
0.303
0.302
0.301
0.314
0.313
0.313
0.312
0.311
2.51
2.52
2.53
2.54
2.55
0.301
0.300
0.299
0.299
0.298
2.56
2.57
2.58
2.59
2.60
0.297
0.296
0.296
0.295
0.294
62
0.491
0.490
0.490
0.489
0.488
63
0.504
0.503
0.503
0.502
0.501
64
0.518
0.517
0.516
0.515
0.514
65
0.532
0.531
0.530
0.529
0.529
66
0.546
0.545
0.544
0.544
0.543
67
0.560
0.559
0.559
0.558
0.557
0.474
0.473
0.472
0.472
0.471
0.487
0.486
0.485
0.485
0.484
0.500
0.499
0.498
0.498
0.497
0.514
0.513
0.512
0.511
0.510
0.528
0.527
0.526
0.525
0.525
0.542
0.541
0.540
0.540
0.539
0.556
0.555
0.555
0.554
0.553
0.457
0.456
0.455
0.454
0.454
0.470
0.469
0.468
0.467
0.467
0.483
0.482
0.481
0.481
0.480
0.496
0.495
0.494
0.494
0.493
0.510
0.509
0.508
0.507
0.506
0.524
0.523
0.522
0.522
0.521
0.538
0.537
0.537
0.536
0.535
0.552
0.552
0.551
0.550
0.549
0.440
0.439
0.438
0.437
0.437
0.453
0.452
0.451
0.450
0.450
0.466
0.465
0.464
0.463
0.463
0.479
0.478
0.477
0.477
0.476
0.492
0.491
0.490
0.490
0.489
0.506
0.505
0.504
0.503
0.503
0.520
0.519
0.518
0.518
0.517
0.534
0.534
0.533
0.532
0.531
0.549
0.548
0.547
0.547
0.546
0.421
0.420
0.419
0.418
0.418
0.436
0.435
0.434
0.433
0.433
0.449
0.448
0.447
0.447
0.446
0.462
0.461
0.460
0.460
0.459
0.475
0.474
0.474
0.473
0.472
0.488
0.487
0.487
0.486
0.485
0.502
0.501
0.500
0.500
0.499
0.516
0.516
0.515
0.514
0.513
0.531
0.530
0.529
0.529
0.528
0.545
0.544
0.544
0.543
0.542
0.401
0.400
0.399
0.398
0.397
0.417
0.416
0.415
0.414
0.414
0.432
0.431
0.430
0.430
0.429
0.445
0.444
0.443
0.443
0.442
0.458
0.457
0.457
0.456
0.455
0.471
0.471
0.470
0.469
0.468
0.484
0.484
0.483
0.482
0.482
0.498
0.497
0.497
0.496
0.495
0.513
0.512
0.511
0.511
0.510
0.527
0.526
0.526
0.525
0.524
0.542
0.541
0.540
0.540
0.539
0.380
0.379
0.379
0.378
0.377
0.397
0.396
0.395
0.394
0.394
0.413
0.412
0.411
0.411
0.410
0.428
0.427
0.427
0.426
0.425
0.441
0.441
0.440
0.439
0.438
0.454
0.454
0.453
0.452
0.452
0.468
0.467
0.466
0.465
0.465
0.481
0.480
0.479
0.479
0.478
0.495
0.494
0.493
0.493
0.492
0.509
0.509
0.508
0.507
0.507
0.524
0.523
0.522
0.522
0.521
0.538
0.538
0.537
0.536
0.536
0.360
0.359
0.358
0.358
0.357
0.376
0.376
0.375
0.374
0.373
0.393
0.392
0.391
0.391
0.390
0.409
0.408
0.408
0.407
0.406
0.424
0.424
0.423
0.422
0.422
0.438
0.437
0.436
0.436
0.435
0.451
0.450
0.449
0.449
0.448
0.464
0.463
0.463
0.462
0.461
0.477
0.477
0.476
0.475
0.475
0.491
0.491
0.490
0.489
0.489
0.506
0.505
0.505
0.504
0.503
0.520
0.520
0.519
0.519
0.518
0.535
0.534
0.534
0.533
0.533
0.341
0.340
0.340
0.339
0.338
0.356
0.355
0.354
0.354
0.353
0.373
0.372
0.371
0.370
0.370
0.389
0.388
0.388
0.387
0.386
0.406
0.405
0.404
0.404
0.403
0.421
0.420
0.419
0.419
0.418
0.434
0.433
0.433
0.432
0.431
0.447
0.447
0.446
0.445
0.445
0.461
0.460
0.459
0.459
0.458
0.474
0.473
0.473
0.472
0.471
0.488
0.487
0.487
0.486
0.485
0.503
0.502
0.501
0.501
0.500
0.517
0.517
0.516
0.515
0.515
0.532
0.531
0.531
0.530
0.529
0.326
0.325
0.324
0.323
0.323
0.337
0.337
0.336
0.335
0.334
0.352
0.352
0.351
0.350
0.349
0.369
0.368
0.367
0.367
0.366
0.386
0.385
0.384
0.383
0.383
0.402
0.401
0.401
0.400
0.399
0.417
0.417
0.416
0.415
0.415
0.431
0.430
0.429
0.429
0.428
0.444
0.443
0.443
0.442
0.441
0.457
0.457
0.456
0.455
0.455
0.471
0.470
0.469
0.469
0.468
0.485
0.484
0.483
0.483
0.482
0.499
0.499
0.498
0.498
0.497
0.514
0.513
0.513
0.512
0.512
0.529
0.528
0.528
0.527
0.526
0.311
0.310
0.309
0.308
0.308
0.322
0.321
0.320
0.320
0.319
0.334
0.333
0.332
0.332
0.331
0.349
0.348
0.347
0.347
0.346
0.365
0.365
0.364
0.363
0.363
0.382
0.381
0.381
0.380
0.379
0.399
0.398
0.397
0.397
0.396
0.414
0.413
0.413
0.412
0.411
0.427
0.427
0.426
0.426
0.425
0.441
0.440
0.440
0.439
0.438
0.454
0.454
0.453
0.452
0.452
0.467
0.467
0.466
0.466
0.465
0.482
0.481
0.480
0.480
0.479
0.496
0.496
0.495
0.494
0.494
0.511
0.510
0.510
0.509
0.509
0.526
0.525
0.525
0.524
0.523
0.307
0.306
0.306
0.305
0.304
0.318
0.318
0.317
0.316
0.316
0.330
0.330
0.329
0.328
0.327
0.345
0.345
0.344
0.343
0.342
0.362
0.361
0.361
0.360
0.359
0.379
0.378
0.377
0.377
0.376
0.395
0.395
0.394
0.394
0.393
0.411
0.410
0.410
0.409
0.408
0.424
0.424
0.423
0.422
0.422
0.438
0.437
0.436
0.436
0.435
0.451
0.450
0.450
0.449
0.449
0.464
0.464
0.463
0.463
0.462
0.478
0.478
0.477
0.477
0.476
0.493
0.493
0.492
0.491
0.491
0.508
0.507
0.507
0.506
0.506
0.523
0.522
0.522
0.521
0.521
88
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
51
0.294
0.293
0.292
0.292
0.291
52
0.304
0.303
0.302
0.302
0.301
53
0.315
0.314
0.314
0.313
0.312
54
0.327
0.326
0.325
0.325
0.324
55
0.342
0.341
0.340
0.340
0.339
56
0.359
0.358
0.357
0.357
0.356
Expected Unlimited Loss & ALAE Group
57
58
59
60
61
0.375 0.392 0.408 0.421 0.435
0.375 0.392 0.407 0.421 0.434
0.374 0.391 0.406 0.420 0.433
0.374 0.390 0.406 0.419 0.433
0.373 0.390 0.405 0.419 0.432
2.66
2.67
2.68
2.69
2.70
0.291
0.290
0.289
0.289
0.288
0.300
0.300
0.299
0.298
0.298
0.312
0.311
0.310
0.310
0.309
0.323
0.323
0.322
0.322
0.321
0.339
0.338
0.337
0.337
0.336
0.355
0.355
0.354
0.354
0.353
0.372
0.372
0.371
0.370
0.370
0.389
0.389
0.388
0.387
0.387
0.405
0.404
0.403
0.403
0.402
0.418
0.418
0.417
0.416
0.416
2.71
2.72
2.73
2.74
2.75
0.287
0.287
0.286
0.285
0.285
0.297
0.296
0.296
0.295
0.295
0.308
0.308
0.307
0.307
0.306
0.320
0.320
0.319
0.318
0.318
0.335
0.335
0.334
0.333
0.333
0.352
0.352
0.351
0.350
0.350
0.369
0.369
0.368
0.367
0.367
0.386
0.386
0.385
0.384
0.384
0.402
0.401
0.401
0.400
0.399
2.76
2.77
2.78
2.79
2.80
0.284
0.284
0.283
0.282
0.282
0.294
0.293
0.293
0.292
0.292
0.305
0.305
0.304
0.303
0.303
0.317
0.316
0.316
0.315
0.315
0.332
0.332
0.331
0.330
0.330
0.349
0.349
0.348
0.347
0.347
0.366
0.366
0.365
0.364
0.364
0.383
0.383
0.382
0.381
0.381
2.81
2.82
2.83
2.84
2.85
0.281
0.281
0.280
0.280
0.279
0.291
0.290
0.290
0.289
0.289
0.302
0.302
0.301
0.300
0.300
0.314
0.313
0.313
0.312
0.312
0.329
0.329
0.328
0.327
0.327
0.346
0.346
0.345
0.345
0.344
0.363
0.363
0.362
0.362
0.361
2.86
2.87
2.88
2.89
2.90
0.278
0.278
0.277
0.277
0.276
0.288
0.287
0.287
0.286
0.286
0.299
0.299
0.298
0.298
0.297
0.311
0.311
0.310
0.310
0.309
0.326
0.326
0.325
0.324
0.324
0.343
0.343
0.342
0.341
0.340
2.91
2.92
2.93
2.94
2.95
0.275
0.275
0.275
0.274
0.274
0.285
0.285
0.285
0.284
0.284
0.297
0.297
0.296
0.296
0.296
0.309
0.308
0.308
0.308
0.308
0.323
0.323
0.323
0.323
0.323
2.96
2.97
2.98
2.99
3.00
0.274
0.274
0.273
0.273
0.273
0.284
0.284
0.284
0.284
0.284
0.296
0.296
0.296
0.296
0.296
0.308
0.308
0.308
0.308
0.308
0.323
0.323
0.322
0.322
0.322
62
0.448
0.447
0.447
0.446
0.446
63
0.461
0.461
0.460
0.460
0.459
64
0.475
0.475
0.474
0.474
0.473
65
0.490
0.490
0.489
0.489
0.488
66
0.505
0.505
0.504
0.504
0.503
67
0.520
0.519
0.519
0.518
0.518
0.432
0.431
0.430
0.430
0.429
0.445
0.444
0.444
0.443
0.443
0.458
0.458
0.457
0.457
0.456
0.473
0.472
0.471
0.471
0.470
0.487
0.487
0.486
0.486
0.485
0.502
0.502
0.501
0.501
0.500
0.517
0.517
0.516
0.516
0.515
0.415
0.415
0.414
0.413
0.413
0.429
0.428
0.427
0.427
0.426
0.442
0.442
0.441
0.440
0.440
0.456
0.455
0.454
0.454
0.453
0.470
0.469
0.469
0.468
0.468
0.485
0.484
0.484
0.483
0.483
0.500
0.499
0.499
0.498
0.498
0.515
0.514
0.514
0.513
0.513
0.399
0.398
0.398
0.397
0.397
0.412
0.412
0.411
0.411
0.410
0.426
0.425
0.425
0.424
0.424
0.439
0.439
0.438
0.438
0.437
0.453
0.452
0.452
0.451
0.451
0.467
0.466
0.466
0.465
0.465
0.482
0.481
0.481
0.480
0.480
0.497
0.496
0.496
0.495
0.495
0.512
0.511
0.511
0.510
0.510
0.380
0.380
0.379
0.379
0.378
0.396
0.395
0.395
0.394
0.394
0.410
0.409
0.408
0.408
0.407
0.423
0.423
0.422
0.421
0.421
0.437
0.436
0.436
0.435
0.434
0.450
0.450
0.449
0.449
0.448
0.464
0.464
0.463
0.463
0.462
0.479
0.479
0.478
0.478
0.477
0.494
0.494
0.493
0.493
0.492
0.509
0.509
0.508
0.508
0.507
0.360
0.360
0.358
0.357
0.357
0.378
0.377
0.375
0.374
0.373
0.393
0.393
0.390
0.390
0.389
0.407
0.406
0.404
0.404
0.403
0.420
0.420
0.418
0.418
0.417
0.434
0.433
0.432
0.432
0.431
0.447
0.447
0.446
0.446
0.445
0.462
0.461
0.461
0.459
0.459
0.477
0.476
0.476
0.473
0.472
0.492
0.491
0.491
0.486
0.485
0.507
0.506
0.506
0.499
0.499
0.340
0.339
0.339
0.339
0.339
0.356
0.355
0.355
0.355
0.354
0.373
0.371
0.371
0.371
0.370
0.388
0.387
0.386
0.386
0.385
0.402
0.401
0.401
0.399
0.398
0.416
0.415
0.415
0.412
0.412
0.430
0.430
0.429
0.426
0.425
0.444
0.444
0.443
0.439
0.439
0.458
0.458
0.457
0.453
0.452
0.471
0.471
0.470
0.467
0.466
0.485
0.484
0.484
0.480
0.480
0.498
0.498
0.497
0.494
0.493
0.338
0.338
0.338
0.338
0.337
0.354
0.354
0.353
0.353
0.352
0.370
0.369
0.368
0.368
0.368
0.384
0.384
0.383
0.382
0.382
0.398
0.397
0.396
0.396
0.395
0.411
0.410
0.409
0.409
0.408
0.424
0.423
0.423
0.422
0.422
0.437
0.437
0.436
0.435
0.435
0.451
0.450
0.449
0.449
0.448
0.465
0.463
0.463
0.462
0.460
0.479
0.477
0.476
0.475
0.473
0.493
0.490
0.489
0.489
0.485
89
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.993 0.994 0.994 0.995 0.996
0.003 0.004 0.004 0.005 0.006
0.988 0.989 0.990 0.991 0.992
0.008 0.009 0.010 0.011 0.012
0.983 0.984 0.985 0.986 0.987
0.013 0.014 0.015 0.016 0.017
68
0.991
0.001
0.985
0.005
0.979
0.009
69
0.991
0.001
0.985
0.005
0.980
0.010
70
0.991
0.001
0.986
0.006
0.980
0.010
71
0.991
0.001
0.986
0.006
0.981
0.011
72
0.992
0.002
0.987
0.007
0.982
0.012
73
0.992
0.002
0.987
0.007
0.982
0.012
79
0.997
0.007
0.993
0.013
0.988
0.018
80
0.998
0.008
0.994
0.014
0.989
0.019
81
0.998
0.008
0.994
0.014
0.990
0.020
82
0.998
0.008
0.995
0.015
0.991
0.021
83
0.999
0.009
0.995
0.015
0.991
0.021
84
0.999
0.009
0.995
0.015
0.992
0.022
0.974
0.014
0.968
0.018
0.963
0.023
0.974
0.014
0.969
0.019
0.964
0.024
0.975
0.015
0.970
0.020
0.965
0.025
0.976
0.016
0.971
0.021
0.966
0.026
0.977
0.017
0.972
0.022
0.967
0.027
0.978
0.018
0.973
0.023
0.968
0.028
0.979
0.019
0.974
0.024
0.970
0.030
0.980
0.020
0.975
0.025
0.971
0.031
0.981
0.021
0.976
0.026
0.972
0.032
0.982
0.022
0.977
0.027
0.973
0.033
0.983
0.023
0.979
0.029
0.975
0.035
0.984
0.024
0.980
0.030
0.976
0.036
0.985
0.025
0.982
0.032
0.978
0.038
0.986
0.026
0.983
0.033
0.979
0.039
0.987
0.027
0.984
0.034
0.980
0.040
0.988
0.028
0.984
0.034
0.981
0.041
0.989
0.029
0.985
0.035
0.982
0.042
0.958
0.028
0.952
0.032
0.947
0.037
0.959
0.029
0.954
0.034
0.949
0.039
0.960
0.030
0.955
0.035
0.950
0.040
0.961
0.031
0.956
0.036
0.952
0.042
0.963
0.033
0.958
0.038
0.953
0.043
0.964
0.034
0.959
0.039
0.955
0.045
0.965
0.035
0.961
0.041
0.957
0.047
0.967
0.037
0.962
0.042
0.958
0.048
0.968
0.038
0.964
0.044
0.960
0.050
0.969
0.039
0.966
0.046
0.962
0.052
0.971
0.041
0.967
0.047
0.964
0.054
0.973
0.043
0.969
0.049
0.966
0.056
0.974
0.044
0.971
0.051
0.967
0.057
0.976
0.046
0.972
0.052
0.969
0.059
0.977
0.047
0.974
0.054
0.971
0.061
0.978
0.048
0.975
0.055
0.972
0.062
0.979
0.049
0.977
0.057
0.974
0.064
0.942
0.042
0.937
0.047
0.933
0.053
0.944
0.044
0.939
0.049
0.935
0.055
0.946
0.046
0.941
0.051
0.937
0.057
0.947
0.047
0.943
0.053
0.939
0.059
0.949
0.049
0.945
0.055
0.941
0.061
0.951
0.051
0.947
0.057
0.943
0.063
0.953
0.053
0.949
0.059
0.945
0.065
0.955
0.055
0.951
0.061
0.947
0.067
0.956
0.056
0.953
0.063
0.950
0.070
0.958
0.058
0.955
0.065
0.952
0.072
0.960
0.060
0.957
0.067
0.954
0.074
0.962
0.062
0.959
0.069
0.956
0.076
0.964
0.064
0.961
0.071
0.959
0.079
0.966
0.066
0.963
0.073
0.961
0.081
0.968
0.068
0.965
0.075
0.963
0.083
0.970
0.070
0.967
0.077
0.965
0.085
0.971
0.071
0.969
0.079
0.967
0.087
0.928
0.058
0.924
0.064
0.919
0.069
0.930
0.060
0.926
0.066
0.922
0.072
0.933
0.063
0.928
0.068
0.924
0.074
0.935
0.065
0.931
0.071
0.927
0.077
0.937
0.067
0.933
0.073
0.929
0.079
0.939
0.069
0.936
0.076
0.932
0.082
0.942
0.072
0.938
0.078
0.935
0.085
0.944
0.074
0.941
0.081
0.937
0.087
0.946
0.076
0.943
0.083
0.940
0.090
0.949
0.079
0.945
0.085
0.942
0.092
0.951
0.081
0.948
0.088
0.945
0.095
0.953
0.083
0.951
0.091
0.948
0.098
0.956
0.086
0.953
0.093
0.951
0.101
0.958
0.088
0.956
0.096
0.953
0.103
0.960
0.090
0.958
0.098
0.956
0.106
0.963
0.093
0.960
0.100
0.958
0.108
0.965
0.095
0.963
0.103
0.961
0.111
0.915
0.075
0.911
0.081
0.907
0.087
0.918
0.078
0.914
0.084
0.910
0.090
0.920
0.080
0.916
0.086
0.913
0.093
0.923
0.083
0.919
0.089
0.916
0.096
0.926
0.086
0.922
0.092
0.919
0.099
0.928
0.088
0.925
0.095
0.922
0.102
0.931
0.091
0.928
0.098
0.925
0.105
0.934
0.094
0.931
0.101
0.928
0.108
0.937
0.097
0.934
0.104
0.931
0.111
0.940
0.100
0.937
0.107
0.934
0.114
0.942
0.102
0.940
0.110
0.937
0.117
0.945
0.105
0.943
0.113
0.940
0.120
0.948
0.108
0.946
0.116
0.943
0.123
0.951
0.111
0.949
0.119
0.946
0.126
0.954
0.114
0.951
0.121
0.949
0.129
0.956
0.116
0.954
0.124
0.952
0.132
0.959
0.119
0.957
0.127
0.955
0.135
0.902
0.092
0.898
0.098
0.894
0.104
0.906
0.096
0.902
0.102
0.898
0.108
0.909
0.099
0.905
0.105
0.901
0.111
0.912
0.102
0.908
0.108
0.905
0.115
0.915
0.105
0.912
0.112
0.908
0.118
0.918
0.108
0.915
0.115
0.912
0.122
0.921
0.111
0.918
0.118
0.915
0.125
0.925
0.115
0.921
0.121
0.918
0.128
0.928
0.118
0.925
0.125
0.922
0.132
0.931
0.121
0.928
0.128
0.925
0.135
0.934
0.124
0.932
0.132
0.929
0.139
0.938
0.128
0.935
0.135
0.933
0.143
0.941
0.131
0.939
0.139
0.936
0.146
0.944
0.134
0.942
0.142
0.940
0.150
0.947
0.137
0.945
0.145
0.943
0.153
0.950
0.140
0.948
0.148
0.946
0.156
0.953
0.143
0.951
0.151
0.949
0.159
0.890
0.110
0.887
0.117
0.883
0.123
0.894
0.114
0.890
0.120
0.887
0.127
0.898
0.118
0.894
0.124
0.890
0.130
0.901
0.121
0.898
0.128
0.894
0.134
0.905
0.125
0.901
0.131
0.898
0.138
0.908
0.128
0.905
0.135
0.902
0.142
0.912
0.132
0.909
0.139
0.906
0.146
0.915
0.135
0.913
0.143
0.910
0.150
0.919
0.139
0.916
0.146
0.914
0.154
0.923
0.143
0.920
0.150
0.917
0.157
0.926
0.146
0.924
0.154
0.921
0.161
0.930
0.150
0.928
0.158
0.925
0.165
0.934
0.154
0.932
0.162
0.930
0.170
0.938
0.158
0.935
0.165
0.933
0.173
0.941
0.161
0.939
0.169
0.937
0.177
0.944
0.164
0.942
0.172
0.940
0.180
0.947
0.167
0.946
0.176
0.944
0.184
0.879
0.129
0.875
0.135
0.871
0.141
0.883
0.133
0.879
0.139
0.876
0.146
0.887
0.137
0.883
0.143
0.880
0.150
0.891
0.141
0.888
0.148
0.884
0.154
0.895
0.145
0.892
0.152
0.888
0.158
0.899
0.149
0.896
0.156
0.893
0.163
0.903
0.153
0.900
0.160
0.897
0.167
0.907
0.157
0.904
0.164
0.901
0.171
0.911
0.161
0.908
0.168
0.905
0.175
0.915
0.165
0.912
0.172
0.910
0.180
0.919
0.169
0.917
0.177
0.914
0.184
0.923
0.173
0.921
0.181
0.919
0.189
0.927
0.177
0.925
0.185
0.923
0.193
0.931
0.181
0.929
0.189
0.927
0.197
0.935
0.185
0.933
0.193
0.931
0.201
0.938
0.188
0.937
0.197
0.935
0.205
0.942
0.192
0.940
0.200
0.939
0.209
0.868
0.148
0.864
0.154
0.861
0.161
0.872
0.152
0.869
0.159
0.865
0.165
0.877
0.157
0.873
0.163
0.870
0.170
0.881
0.161
0.878
0.168
0.875
0.175
0.885
0.165
0.882
0.172
0.879
0.179
0.890
0.170
0.887
0.177
0.884
0.184
0.894
0.174
0.891
0.181
0.888
0.188
0.898
0.178
0.896
0.186
0.893
0.193
0.903
0.183
0.900
0.190
0.898
0.198
0.907
0.187
0.905
0.195
0.902
0.202
0.912
0.192
0.909
0.199
0.907
0.207
0.916
0.196
0.914
0.204
0.912
0.212
0.921
0.201
0.919
0.209
0.917
0.217
0.925
0.205
0.923
0.213
0.921
0.221
0.929
0.209
0.927
0.217
0.925
0.225
0.933
0.213
0.931
0.221
0.929
0.229
0.937
0.217
0.935
0.225
0.934
0.234
90
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.885 0.890 0.895 0.900 0.905
0.195 0.200 0.205 0.210 0.215
0.883 0.888 0.892 0.897 0.902
0.203 0.208 0.212 0.217 0.222
0.880 0.885 0.890 0.895 0.900
0.210 0.215 0.220 0.225 0.230
68
0.857
0.167
0.853
0.173
0.850
0.180
69
0.862
0.172
0.858
0.178
0.855
0.185
70
0.867
0.177
0.863
0.183
0.860
0.190
71
0.871
0.181
0.868
0.188
0.865
0.195
72
0.876
0.186
0.873
0.193
0.870
0.200
73
0.881
0.191
0.878
0.198
0.875
0.205
79
0.910
0.220
0.907
0.227
0.905
0.235
80
0.915
0.225
0.913
0.233
0.911
0.241
81
0.919
0.229
0.917
0.237
0.915
0.245
82
0.923
0.233
0.922
0.242
0.920
0.250
83
0.928
0.238
0.926
0.246
0.924
0.254
84
0.932
0.242
0.930
0.250
0.929
0.259
0.847
0.187
0.843
0.193
0.840
0.200
0.852
0.192
0.848
0.198
0.845
0.205
0.857
0.197
0.854
0.204
0.851
0.211
0.862
0.202
0.859
0.209
0.856
0.216
0.867
0.207
0.864
0.214
0.861
0.221
0.872
0.212
0.869
0.219
0.867
0.227
0.877
0.217
0.874
0.224
0.872
0.232
0.882
0.222
0.880
0.230
0.877
0.237
0.887
0.227
0.885
0.235
0.882
0.242
0.893
0.233
0.890
0.240
0.888
0.248
0.898
0.238
0.896
0.246
0.893
0.253
0.903
0.243
0.901
0.251
0.899
0.259
0.909
0.249
0.907
0.257
0.905
0.265
0.913
0.253
0.911
0.261
0.910
0.270
0.918
0.258
0.916
0.266
0.914
0.274
0.922
0.262
0.921
0.271
0.919
0.279
0.927
0.267
0.925
0.275
0.924
0.284
0.836
0.206
0.833
0.213
0.830
0.220
0.842
0.212
0.839
0.219
0.836
0.226
0.848
0.218
0.845
0.225
0.842
0.232
0.853
0.223
0.850
0.230
0.847
0.237
0.858
0.228
0.856
0.236
0.853
0.243
0.864
0.234
0.861
0.241
0.858
0.248
0.869
0.239
0.867
0.247
0.864
0.254
0.875
0.245
0.872
0.252
0.870
0.260
0.880
0.250
0.878
0.258
0.875
0.265
0.886
0.256
0.883
0.263
0.881
0.271
0.891
0.261
0.889
0.269
0.887
0.277
0.897
0.267
0.895
0.275
0.893
0.283
0.903
0.273
0.901
0.281
0.899
0.289
0.908
0.278
0.906
0.286
0.904
0.294
0.913
0.283
0.911
0.291
0.909
0.299
0.917
0.287
0.916
0.296
0.914
0.304
0.922
0.292
0.921
0.301
0.919
0.309
0.827
0.227
0.824
0.234
0.820
0.240
0.833
0.233
0.830
0.240
0.827
0.247
0.839
0.239
0.836
0.246
0.833
0.253
0.844
0.244
0.842
0.252
0.839
0.259
0.850
0.250
0.847
0.257
0.845
0.265
0.856
0.256
0.853
0.263
0.850
0.270
0.861
0.261
0.859
0.269
0.856
0.276
0.867
0.267
0.865
0.275
0.862
0.282
0.873
0.273
0.871
0.281
0.868
0.288
0.879
0.279
0.876
0.286
0.874
0.294
0.885
0.285
0.883
0.293
0.880
0.300
0.891
0.291
0.889
0.299
0.887
0.307
0.897
0.297
0.895
0.305
0.893
0.313
0.902
0.302
0.900
0.310
0.899
0.319
0.907
0.307
0.906
0.316
0.904
0.324
0.912
0.312
0.911
0.321
0.909
0.329
0.918
0.318
0.916
0.326
0.915
0.335
0.817
0.247
0.814
0.254
0.811
0.261
0.824
0.254
0.821
0.261
0.818
0.268
0.830
0.260
0.827
0.267
0.824
0.274
0.836
0.266
0.833
0.273
0.830
0.280
0.842
0.272
0.839
0.279
0.837
0.287
0.848
0.278
0.845
0.285
0.843
0.293
0.854
0.284
0.851
0.291
0.849
0.299
0.860
0.290
0.857
0.297
0.855
0.305
0.866
0.296
0.864
0.304
0.861
0.311
0.872
0.302
0.870
0.310
0.868
0.318
0.878
0.308
0.876
0.316
0.874
0.324
0.885
0.315
0.883
0.323
0.881
0.331
0.891
0.321
0.889
0.329
0.887
0.337
0.897
0.327
0.895
0.335
0.893
0.343
0.902
0.332
0.901
0.341
0.899
0.349
0.908
0.338
0.906
0.346
0.905
0.355
0.913
0.343
0.912
0.352
0.910
0.360
0.808
0.268
0.805
0.275
0.802
0.282
0.815
0.275
0.812
0.282
0.809
0.289
0.821
0.281
0.818
0.288
0.816
0.296
0.828
0.288
0.825
0.295
0.822
0.302
0.834
0.294
0.831
0.301
0.829
0.309
0.840
0.300
0.838
0.308
0.835
0.315
0.846
0.306
0.844
0.314
0.842
0.322
0.853
0.313
0.850
0.320
0.848
0.328
0.859
0.319
0.857
0.327
0.855
0.335
0.866
0.326
0.863
0.333
0.861
0.341
0.872
0.332
0.870
0.340
0.868
0.348
0.879
0.339
0.877
0.347
0.875
0.355
0.886
0.346
0.884
0.354
0.882
0.362
0.892
0.352
0.890
0.360
0.888
0.368
0.897
0.357
0.896
0.366
0.894
0.374
0.903
0.363
0.901
0.371
0.900
0.380
0.909
0.369
0.907
0.377
0.906
0.386
0.799
0.289
0.796
0.296
0.794
0.304
0.806
0.296
0.803
0.303
0.801
0.311
0.813
0.303
0.810
0.310
0.808
0.318
0.820
0.310
0.817
0.317
0.815
0.325
0.826
0.316
0.824
0.324
0.821
0.331
0.833
0.323
0.830
0.330
0.828
0.338
0.839
0.329
0.837
0.337
0.835
0.345
0.846
0.336
0.844
0.344
0.841
0.351
0.852
0.342
0.850
0.350
0.848
0.358
0.859
0.349
0.857
0.357
0.855
0.365
0.866
0.356
0.864
0.364
0.862
0.372
0.873
0.363
0.871
0.371
0.869
0.379
0.880
0.370
0.878
0.378
0.877
0.387
0.886
0.376
0.885
0.385
0.883
0.393
0.892
0.382
0.891
0.391
0.889
0.399
0.898
0.388
0.897
0.397
0.895
0.405
0.904
0.394
0.903
0.403
0.901
0.411
0.791
0.311
0.788
0.318
0.785
0.325
0.798
0.318
0.795
0.325
0.792
0.332
0.805
0.325
0.802
0.332
0.800
0.340
0.812
0.332
0.809
0.339
0.807
0.347
0.819
0.339
0.816
0.346
0.814
0.354
0.825
0.345
0.823
0.353
0.821
0.361
0.832
0.352
0.830
0.360
0.828
0.368
0.839
0.359
0.837
0.367
0.835
0.375
0.846
0.366
0.844
0.374
0.842
0.382
0.853
0.373
0.851
0.381
0.849
0.389
0.860
0.380
0.858
0.388
0.856
0.396
0.867
0.387
0.866
0.396
0.864
0.404
0.875
0.395
0.873
0.403
0.871
0.411
0.881
0.401
0.880
0.410
0.878
0.418
0.888
0.408
0.886
0.416
0.884
0.424
0.894
0.414
0.892
0.422
0.891
0.431
0.900
0.420
0.899
0.429
0.897
0.437
0.782
0.332
0.780
0.340
0.777
0.347
0.790
0.340
0.787
0.347
0.785
0.355
0.797
0.347
0.795
0.355
0.792
0.362
0.804
0.354
0.802
0.362
0.800
0.370
0.811
0.361
0.809
0.369
0.807
0.377
0.818
0.368
0.816
0.376
0.814
0.384
0.825
0.375
0.823
0.383
0.821
0.391
0.833
0.383
0.830
0.390
0.828
0.398
0.840
0.390
0.838
0.398
0.836
0.406
0.847
0.397
0.845
0.405
0.843
0.413
0.854
0.404
0.852
0.412
0.851
0.421
0.862
0.412
0.860
0.420
0.858
0.428
0.870
0.420
0.868
0.428
0.866
0.436
0.876
0.426
0.875
0.435
0.873
0.443
0.883
0.433
0.881
0.441
0.880
0.450
0.889
0.439
0.888
0.448
0.886
0.456
0.896
0.446
0.895
0.455
0.893
0.463
0.774
0.354
0.772
0.362
0.769
0.369
0.782
0.362
0.779
0.369
0.777
0.377
0.790
0.370
0.787
0.377
0.785
0.385
0.797
0.377
0.795
0.385
0.792
0.392
0.804
0.384
0.802
0.392
0.800
0.400
0.812
0.392
0.809
0.399
0.807
0.407
0.819
0.399
0.817
0.407
0.814
0.414
0.826
0.406
0.824
0.414
0.822
0.422
0.833
0.413
0.831
0.421
0.829
0.429
0.841
0.421
0.839
0.429
0.837
0.437
0.849
0.429
0.847
0.437
0.845
0.445
0.857
0.437
0.855
0.445
0.853
0.453
0.864
0.444
0.863
0.453
0.861
0.461
0.872
0.452
0.870
0.460
0.868
0.468
0.878
0.458
0.877
0.467
0.875
0.475
0.885
0.465
0.884
0.474
0.882
0.482
0.892
0.472
0.890
0.480
0.889
0.489
91
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.812 0.820 0.827 0.835 0.843
0.422 0.430 0.437 0.445 0.453
0.810 0.818 0.825 0.833 0.841
0.430 0.438 0.445 0.453 0.461
0.808 0.816 0.824 0.831 0.840
0.438 0.446 0.454 0.461 0.470
68
0.767
0.377
0.764
0.384
0.762
0.392
69
0.774
0.384
0.772
0.392
0.770
0.400
70
0.782
0.392
0.780
0.400
0.777
0.407
71
0.790
0.400
0.788
0.408
0.785
0.415
72
0.797
0.407
0.795
0.415
0.793
0.423
73
0.805
0.415
0.803
0.423
0.800
0.430
79
0.851
0.461
0.850
0.470
0.848
0.478
80
0.859
0.469
0.858
0.478
0.856
0.486
81
0.867
0.477
0.865
0.485
0.864
0.494
82
0.874
0.484
0.872
0.492
0.871
0.501
83
0.881
0.491
0.879
0.499
0.878
0.508
84
0.888
0.498
0.886
0.506
0.885
0.515
0.759
0.399
0.757
0.407
0.754
0.414
0.767
0.407
0.765
0.415
0.762
0.422
0.775
0.415
0.773
0.423
0.770
0.430
0.783
0.423
0.781
0.431
0.779
0.439
0.791
0.431
0.788
0.438
0.786
0.446
0.798
0.438
0.796
0.446
0.794
0.454
0.806
0.446
0.804
0.454
0.802
0.462
0.814
0.454
0.812
0.462
0.810
0.470
0.822
0.462
0.820
0.470
0.818
0.478
0.830
0.470
0.828
0.478
0.826
0.486
0.838
0.478
0.836
0.486
0.834
0.494
0.846
0.486
0.844
0.494
0.843
0.503
0.855
0.495
0.853
0.503
0.851
0.511
0.862
0.502
0.861
0.511
0.859
0.519
0.869
0.509
0.868
0.518
0.866
0.526
0.877
0.517
0.875
0.525
0.874
0.534
0.884
0.524
0.883
0.533
0.881
0.541
0.752
0.422
0.749
0.429
0.747
0.437
0.760
0.430
0.758
0.438
0.755
0.445
0.768
0.438
0.766
0.446
0.764
0.454
0.776
0.446
0.774
0.454
0.772
0.462
0.784
0.454
0.782
0.462
0.780
0.470
0.792
0.462
0.790
0.470
0.788
0.478
0.800
0.470
0.798
0.478
0.796
0.486
0.808
0.478
0.806
0.486
0.804
0.494
0.816
0.486
0.814
0.494
0.812
0.502
0.824
0.494
0.822
0.502
0.820
0.510
0.833
0.503
0.831
0.511
0.829
0.519
0.841
0.511
0.839
0.519
0.838
0.528
0.850
0.520
0.848
0.528
0.847
0.537
0.858
0.528
0.856
0.536
0.855
0.545
0.865
0.535
0.864
0.544
0.862
0.552
0.873
0.543
0.871
0.551
0.870
0.560
0.880
0.550
0.879
0.559
0.878
0.568
0.745
0.445
0.742
0.452
0.740
0.460
0.753
0.453
0.751
0.461
0.748
0.468
0.761
0.461
0.759
0.469
0.757
0.477
0.770
0.470
0.768
0.478
0.765
0.485
0.778
0.478
0.776
0.486
0.774
0.494
0.786
0.486
0.784
0.494
0.782
0.502
0.794
0.494
0.792
0.502
0.790
0.510
0.802
0.502
0.800
0.510
0.798
0.518
0.810
0.510
0.808
0.518
0.807
0.527
0.819
0.519
0.817
0.527
0.815
0.535
0.827
0.527
0.826
0.536
0.824
0.544
0.836
0.536
0.834
0.544
0.833
0.553
0.845
0.545
0.843
0.553
0.842
0.562
0.853
0.553
0.852
0.562
0.850
0.570
0.861
0.561
0.859
0.569
0.858
0.578
0.869
0.569
0.867
0.577
0.866
0.586
0.876
0.576
0.875
0.585
0.874
0.594
0.738
0.468
0.735
0.475
0.733
0.483
0.746
0.476
0.744
0.484
0.742
0.492
0.755
0.485
0.753
0.493
0.751
0.501
0.763
0.493
0.761
0.501
0.759
0.509
0.772
0.502
0.770
0.510
0.768
0.518
0.780
0.510
0.778
0.518
0.776
0.526
0.788
0.518
0.786
0.526
0.784
0.534
0.796
0.526
0.794
0.534
0.793
0.543
0.805
0.535
0.803
0.543
0.801
0.551
0.813
0.543
0.812
0.552
0.810
0.560
0.822
0.552
0.821
0.561
0.819
0.569
0.831
0.561
0.830
0.570
0.828
0.578
0.840
0.570
0.839
0.579
0.837
0.587
0.849
0.579
0.847
0.587
0.846
0.596
0.857
0.587
0.855
0.595
0.854
0.604
0.865
0.595
0.863
0.603
0.862
0.612
0.873
0.603
0.871
0.611
0.870
0.620
0.731
0.491
0.729
0.499
0.727
0.507
0.740
0.500
0.738
0.508
0.735
0.515
0.748
0.508
0.746
0.516
0.744
0.524
0.757
0.517
0.755
0.525
0.753
0.533
0.766
0.526
0.764
0.534
0.762
0.542
0.774
0.534
0.772
0.542
0.770
0.550
0.782
0.542
0.780
0.550
0.779
0.559
0.791
0.551
0.789
0.559
0.787
0.567
0.799
0.559
0.798
0.568
0.796
0.576
0.808
0.568
0.807
0.577
0.805
0.585
0.817
0.577
0.816
0.586
0.814
0.594
0.827
0.587
0.825
0.595
0.823
0.603
0.836
0.596
0.834
0.604
0.833
0.613
0.844
0.604
0.843
0.613
0.842
0.622
0.853
0.613
0.851
0.621
0.850
0.630
0.861
0.621
0.860
0.630
0.858
0.638
0.869
0.629
0.868
0.638
0.867
0.647
0.724
0.514
0.722
0.522
0.720
0.530
0.733
0.523
0.731
0.531
0.729
0.539
0.742
0.532
0.740
0.540
0.738
0.548
0.751
0.541
0.749
0.549
0.747
0.557
0.760
0.550
0.758
0.558
0.756
0.566
0.768
0.558
0.766
0.566
0.764
0.574
0.777
0.567
0.775
0.575
0.773
0.583
0.785
0.575
0.784
0.584
0.782
0.592
0.794
0.584
0.792
0.592
0.791
0.601
0.803
0.593
0.802
0.602
0.800
0.610
0.812
0.602
0.811
0.611
0.809
0.619
0.822
0.612
0.820
0.620
0.819
0.629
0.831
0.621
0.830
0.630
0.829
0.639
0.840
0.630
0.839
0.639
0.837
0.647
0.849
0.639
0.847
0.647
0.846
0.656
0.857
0.647
0.856
0.656
0.855
0.665
0.865
0.655
0.864
0.664
0.863
0.673
0.718
0.538
0.716
0.546
0.714
0.554
0.727
0.547
0.725
0.555
0.723
0.563
0.736
0.556
0.734
0.564
0.732
0.572
0.745
0.565
0.743
0.573
0.741
0.581
0.754
0.574
0.752
0.582
0.750
0.590
0.763
0.583
0.761
0.591
0.759
0.599
0.771
0.591
0.770
0.600
0.768
0.608
0.780
0.600
0.778
0.608
0.777
0.617
0.789
0.609
0.787
0.617
0.786
0.626
0.798
0.618
0.797
0.627
0.795
0.635
0.808
0.628
0.806
0.636
0.805
0.645
0.817
0.637
0.816
0.646
0.814
0.654
0.827
0.647
0.826
0.656
0.824
0.664
0.836
0.656
0.835
0.665
0.833
0.673
0.845
0.665
0.843
0.673
0.842
0.682
0.853
0.673
0.852
0.682
0.851
0.691
0.862
0.682
0.861
0.691
0.860
0.700
0.712
0.562
0.710
0.570
0.708
0.578
0.721
0.571
0.719
0.579
0.717
0.587
0.730
0.580
0.728
0.588
0.727
0.597
0.739
0.589
0.738
0.598
0.736
0.606
0.748
0.598
0.746
0.606
0.745
0.615
0.757
0.607
0.755
0.615
0.754
0.624
0.766
0.616
0.764
0.624
0.763
0.633
0.775
0.625
0.773
0.633
0.772
0.642
0.784
0.634
0.782
0.642
0.781
0.651
0.793
0.643
0.792
0.652
0.790
0.660
0.803
0.653
0.802
0.662
0.800
0.670
0.813
0.663
0.811
0.671
0.810
0.680
0.823
0.673
0.821
0.681
0.820
0.690
0.832
0.682
0.831
0.691
0.829
0.699
0.841
0.691
0.840
0.700
0.838
0.708
0.850
0.700
0.849
0.709
0.847
0.717
0.859
0.709
0.857
0.717
0.856
0.726
0.706
0.586
0.704
0.594
0.702
0.602
0.715
0.595
0.713
0.603
0.711
0.611
0.725
0.605
0.723
0.613
0.721
0.621
0.734
0.614
0.732
0.622
0.730
0.630
0.743
0.623
0.741
0.631
0.739
0.639
0.752
0.632
0.750
0.640
0.748
0.648
0.761
0.641
0.759
0.649
0.757
0.657
0.770
0.650
0.768
0.658
0.767
0.667
0.779
0.659
0.778
0.668
0.776
0.676
0.789
0.669
0.787
0.677
0.786
0.686
0.799
0.679
0.797
0.687
0.796
0.696
0.809
0.689
0.807
0.697
0.806
0.706
0.819
0.699
0.817
0.707
0.816
0.716
0.828
0.708
0.827
0.717
0.825
0.725
0.837
0.717
0.836
0.726
0.835
0.735
0.846
0.726
0.845
0.735
0.844
0.744
0.855
0.735
0.854
0.744
0.853
0.753
92
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.91
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.756 0.765 0.774 0.784 0.794
0.666 0.675 0.684 0.694 0.704
0.754 0.763 0.773 0.782 0.792
0.674 0.683 0.693 0.702 0.712
0.752 0.762 0.771 0.781 0.791
0.682 0.692 0.701 0.711 0.721
68
0.700
0.610
0.698
0.618
0.696
0.626
69
0.710
0.620
0.707
0.627
0.705
0.635
70
0.719
0.629
0.717
0.637
0.715
0.645
71
0.728
0.638
0.726
0.646
0.724
0.654
72
0.738
0.648
0.735
0.655
0.734
0.664
73
0.747
0.657
0.745
0.665
0.743
0.673
0.694
0.634
0.692
0.642
0.689
0.649
0.704
0.644
0.701
0.651
0.698
0.658
0.713
0.653
0.710
0.660
0.708
0.668
0.722
0.662
0.720
0.670
0.718
0.678
0.732
0.672
0.730
0.680
0.728
0.688
0.741
0.681
0.739
0.689
0.738
0.698
0.751
0.691
0.749
0.699
0.747
0.707
0.760
0.700
0.759
0.709
0.757
0.717
0.770
0.710
0.768
0.718
0.767
0.727
0.779
0.719
0.778
0.728
0.776
0.736
0.687
0.657
0.685
0.665
0.682
0.672
0.697
0.667
0.694
0.674
0.692
0.682
0.706
0.676
0.704
0.684
0.702
0.692
0.716
0.686
0.714
0.694
0.712
0.702
0.726
0.696
0.724
0.704
0.722
0.712
0.736
0.706
0.734
0.714
0.732
0.722
0.745
0.715
0.744
0.724
0.742
0.732
0.755
0.725
0.753
0.733
0.752
0.742
0.765
0.735
0.763
0.743
0.762
0.752
1.00
1.01
1.02
1.03
1.04
1.05
0.680
0.680
0.680
0.679
0.678
0.677
0.690
0.690
0.690
0.689
0.688
0.686
0.700
0.700
0.700
0.698
0.697
0.695
0.710
0.710
0.709
0.708
0.706
0.705
0.720
0.720
0.719
0.717
0.715
0.714
0.730
0.730
0.729
0.726
0.724
0.723
0.740
0.740
0.738
0.735
0.734
0.732
0.750
0.749
0.748
0.746
0.744
0.743
1.06
1.07
1.08
1.09
1.10
0.675
0.674
0.673
0.671
0.669
0.684
0.683
0.681
0.680
0.678
0.694
0.692
0.690
0.688
0.687
0.703
0.700
0.699
0.697
0.696
0.712
0.710
0.708
0.707
0.705
0.721
0.719
0.718
0.716
0.715
0.731
0.729
0.728
0.726
0.725
1.11
1.12
1.13
1.14
1.15
0.668
0.668
0.667
0.666
0.664
0.677
0.676
0.675
0.674
0.672
0.685
0.684
0.683
0.681
0.680
0.694
0.693
0.691
0.690
0.688
0.704
0.702
0.701
0.699
0.698
0.713
0.712
0.710
0.709
0.708
1.16
1.17
1.18
1.19
1.20
0.663
0.661
0.660
0.658
0.657
0.671
0.669
0.668
0.666
0.665
0.678
0.677
0.675
0.674
0.673
0.687
0.685
0.684
0.682
0.681
0.696
0.695
0.694
0.692
0.691
1.21
1.22
1.23
1.24
1.25
0.655
0.654
0.653
0.651
0.650
0.663
0.662
0.660
0.659
0.658
0.671
0.670
0.668
0.667
0.666
0.679
0.678
0.677
0.675
0.674
1.26
1.27
1.28
1.29
1.30
0.648
0.647
0.646
0.644
0.643
0.656
0.655
0.654
0.652
0.651
0.664
0.663
0.661
0.660
0.659
1.31
1.32
1.33
1.34
1.35
0.642
0.640
0.639
0.638
0.637
0.650
0.648
0.647
0.646
0.644
1.36
1.37
1.38
1.39
1.40
0.635
0.634
0.633
0.631
0.630
0.643
0.642
0.641
0.639
0.638
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
79
0.804
0.714
0.802
0.722
0.800
0.730
80
0.815
0.725
0.813
0.733
0.810
0.740
81
0.824
0.734
0.823
0.743
0.820
0.750
82
0.833
0.743
0.832
0.752
0.829
0.759
83
0.843
0.753
0.841
0.761
0.839
0.769
84
0.852
0.762
0.851
0.771
0.848
0.778
0.789
0.729
0.787
0.737
0.786
0.746
0.799
0.739
0.797
0.747
0.796
0.756
0.809
0.749
0.807
0.757
0.806
0.766
0.819
0.759
0.817
0.767
0.816
0.776
0.828
0.768
0.827
0.777
0.825
0.785
0.838
0.778
0.836
0.786
0.835
0.795
0.847
0.787
0.846
0.796
0.845
0.805
0.775
0.745
0.773
0.753
0.771
0.761
0.784
0.754
0.783
0.763
0.781
0.771
0.794
0.764
0.793
0.773
0.791
0.781
0.804
0.774
0.803
0.783
0.801
0.791
0.814
0.784
0.813
0.793
0.811
0.801
0.824
0.794
0.823
0.803
0.821
0.811
0.834
0.804
0.833
0.813
0.831
0.821
0.844
0.814
0.842
0.822
0.841
0.831
0.760
0.759
0.758
0.756
0.755
0.753
0.770
0.769
0.768
0.767
0.765
0.764
0.780
0.780
0.779
0.777
0.776
0.775
0.790
0.790
0.789
0.788
0.787
0.786
0.800
0.800
0.800
0.800
0.798
0.797
0.810
0.810
0.810
0.810
0.809
0.808
0.820
0.820
0.820
0.820
0.819
0.818
0.830
0.830
0.830
0.830
0.829
0.828
0.840
0.840
0.840
0.840
0.839
0.838
0.741
0.740
0.738
0.737
0.735
0.752
0.750
0.749
0.747
0.746
0.762
0.761
0.760
0.758
0.757
0.773
0.772
0.770
0.769
0.768
0.784
0.783
0.782
0.780
0.779
0.796
0.794
0.793
0.792
0.791
0.806
0.805
0.804
0.803
0.801
0.817
0.815
0.814
0.813
0.812
0.827
0.826
0.825
0.823
0.822
0.837
0.836
0.835
0.834
0.833
0.723
0.722
0.720
0.719
0.718
0.734
0.733
0.731
0.730
0.728
0.745
0.743
0.742
0.741
0.739
0.756
0.754
0.753
0.752
0.750
0.766
0.765
0.764
0.762
0.761
0.778
0.776
0.775
0.774
0.773
0.789
0.788
0.787
0.787
0.787
0.800
0.799
0.798
0.798
0.798
0.811
0.810
0.809
0.809
0.809
0.821
0.820
0.819
0.819
0.819
0.832
0.831
0.830
0.830
0.830
0.706
0.705
0.703
0.702
0.701
0.716
0.715
0.713
0.712
0.711
0.727
0.726
0.724
0.723
0.722
0.738
0.737
0.735
0.734
0.733
0.749
0.748
0.746
0.745
0.744
0.760
0.759
0.758
0.756
0.755
0.773
0.772
0.771
0.769
0.768
0.786
0.786
0.785
0.784
0.783
0.798
0.798
0.797
0.796
0.795
0.809
0.809
0.808
0.807
0.806
0.819
0.819
0.818
0.817
0.817
0.830
0.830
0.829
0.828
0.827
0.689
0.688
0.687
0.685
0.684
0.699
0.698
0.696
0.695
0.694
0.709
0.708
0.707
0.705
0.704
0.720
0.719
0.718
0.716
0.715
0.731
0.730
0.729
0.728
0.726
0.743
0.741
0.740
0.739
0.738
0.754
0.753
0.751
0.750
0.749
0.767
0.766
0.765
0.764
0.763
0.782
0.781
0.780
0.779
0.778
0.794
0.793
0.792
0.791
0.790
0.805
0.804
0.803
0.802
0.801
0.816
0.815
0.814
0.813
0.812
0.826
0.826
0.825
0.824
0.823
0.673
0.671
0.670
0.668
0.667
0.682
0.681
0.680
0.679
0.677
0.692
0.691
0.690
0.689
0.687
0.703
0.701
0.700
0.699
0.698
0.714
0.713
0.711
0.710
0.709
0.725
0.724
0.723
0.721
0.720
0.737
0.735
0.734
0.733
0.732
0.748
0.747
0.746
0.744
0.743
0.761
0.760
0.759
0.758
0.757
0.777
0.776
0.775
0.774
0.773
0.789
0.788
0.787
0.786
0.785
0.800
0.799
0.798
0.797
0.796
0.811
0.810
0.809
0.808
0.808
0.822
0.821
0.821
0.820
0.819
0.657
0.656
0.655
0.654
0.652
0.666
0.665
0.663
0.662
0.661
0.676
0.675
0.673
0.672
0.671
0.686
0.685
0.683
0.682
0.681
0.696
0.695
0.694
0.693
0.691
0.708
0.707
0.705
0.704
0.703
0.719
0.718
0.717
0.716
0.714
0.731
0.729
0.728
0.727
0.726
0.742
0.741
0.740
0.739
0.738
0.756
0.755
0.754
0.753
0.752
0.772
0.771
0.770
0.769
0.768
0.784
0.783
0.782
0.781
0.780
0.795
0.794
0.794
0.793
0.792
0.807
0.806
0.805
0.804
0.803
0.818
0.817
0.817
0.816
0.815
0.651
0.650
0.649
0.647
0.646
0.659
0.658
0.657
0.656
0.654
0.670
0.668
0.667
0.666
0.665
0.680
0.679
0.677
0.676
0.675
0.690
0.689
0.688
0.687
0.685
0.702
0.701
0.699
0.698
0.697
0.713
0.712
0.711
0.710
0.709
0.725
0.724
0.723
0.722
0.720
0.737
0.736
0.734
0.733
0.732
0.751
0.750
0.749
0.748
0.747
0.767
0.766
0.765
0.764
0.763
0.779
0.778
0.777
0.777
0.776
0.791
0.790
0.789
0.788
0.787
0.803
0.802
0.801
0.800
0.799
0.814
0.813
0.813
0.812
0.811
93
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
68
0.629
0.628
0.627
0.625
0.624
69
0.637
0.636
0.635
0.633
0.632
70
0.645
0.644
0.642
0.641
0.640
71
0.653
0.652
0.651
0.650
0.649
72
0.664
0.662
0.661
0.660
0.659
73
0.674
0.673
0.671
0.670
0.669
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.684 0.696 0.708 0.719 0.731
0.683 0.695 0.706 0.718 0.730
0.682 0.694 0.705 0.717 0.729
0.681 0.693 0.704 0.716 0.728
0.680 0.691 0.703 0.715 0.727
1.46
1.47
1.48
1.49
1.50
0.623
0.622
0.621
0.620
0.618
0.631
0.630
0.629
0.628
0.626
0.639
0.638
0.637
0.635
0.634
0.647
0.646
0.645
0.644
0.643
0.658
0.656
0.655
0.654
0.653
0.668
0.667
0.666
0.665
0.663
0.679
0.677
0.676
0.675
0.674
0.690
0.689
0.688
0.687
0.686
0.702
0.701
0.700
0.699
0.698
0.714
0.713
0.712
0.711
0.710
1.51
1.52
1.53
1.54
1.55
0.617
0.616
0.615
0.614
0.613
0.625
0.624
0.623
0.622
0.621
0.633
0.632
0.631
0.630
0.629
0.642
0.640
0.639
0.638
0.637
0.652
0.651
0.650
0.649
0.648
0.662
0.661
0.660
0.659
0.658
0.673
0.672
0.671
0.670
0.669
0.685
0.684
0.683
0.682
0.681
0.697
0.696
0.695
0.694
0.693
1.56
1.57
1.58
1.59
1.60
0.612
0.611
0.610
0.609
0.608
0.620
0.619
0.618
0.617
0.615
0.628
0.627
0.625
0.624
0.623
0.636
0.635
0.634
0.633
0.632
0.646
0.645
0.644
0.643
0.642
0.657
0.656
0.655
0.654
0.653
0.668
0.667
0.666
0.665
0.664
0.680
0.679
0.678
0.677
0.676
1.61
1.62
1.63
1.64
1.65
0.607
0.605
0.604
0.603
0.602
0.614
0.613
0.612
0.611
0.610
0.622
0.621
0.620
0.619
0.618
0.631
0.630
0.629
0.628
0.627
0.641
0.640
0.639
0.638
0.637
0.652
0.651
0.650
0.649
0.648
0.663
0.662
0.661
0.660
0.659
1.66
1.67
1.68
1.69
1.70
0.601
0.600
0.599
0.598
0.597
0.609
0.608
0.607
0.606
0.605
0.617
0.616
0.615
0.614
0.613
0.626
0.625
0.624
0.623
0.622
0.636
0.635
0.634
0.633
0.632
0.647
0.646
0.645
0.644
0.643
1.71
1.72
1.73
1.74
1.75
0.596
0.595
0.595
0.594
0.593
0.604
0.603
0.602
0.601
0.600
0.612
0.611
0.610
0.609
0.608
0.621
0.620
0.619
0.618
0.617
0.631
0.630
0.629
0.628
0.627
1.76
1.77
1.78
1.79
1.80
0.592
0.591
0.590
0.589
0.588
0.599
0.599
0.598
0.597
0.596
0.607
0.606
0.605
0.604
0.604
0.616
0.615
0.614
0.613
0.612
1.81
1.82
1.83
1.84
1.85
0.587
0.586
0.585
0.584
0.583
0.595
0.594
0.593
0.592
0.591
0.603
0.602
0.601
0.600
0.599
1.86
1.87
1.88
1.89
1.90
0.583
0.582
0.581
0.580
0.579
0.590
0.589
0.589
0.588
0.587
1.91
1.92
1.93
1.94
1.95
0.578
0.577
0.577
0.576
0.575
1.96
1.97
1.98
1.99
2.00
0.574
0.573
0.572
0.572
0.571
79
0.746
0.745
0.744
0.743
0.742
80
0.762
0.761
0.760
0.759
0.758
81
0.775
0.774
0.773
0.772
0.771
82
0.787
0.786
0.785
0.784
0.783
83
0.798
0.798
0.797
0.796
0.795
84
0.810
0.810
0.809
0.808
0.807
0.726
0.725
0.724
0.723
0.722
0.741
0.740
0.739
0.738
0.737
0.757
0.756
0.755
0.754
0.753
0.770
0.769
0.768
0.768
0.767
0.782
0.782
0.781
0.780
0.779
0.794
0.794
0.793
0.792
0.791
0.807
0.806
0.805
0.804
0.804
0.709
0.708
0.707
0.706
0.705
0.721
0.720
0.719
0.718
0.717
0.736
0.735
0.734
0.733
0.732
0.752
0.752
0.751
0.750
0.749
0.766
0.765
0.764
0.763
0.763
0.778
0.777
0.777
0.776
0.775
0.791
0.790
0.789
0.788
0.788
0.803
0.802
0.801
0.801
0.800
0.692
0.691
0.690
0.689
0.688
0.704
0.703
0.702
0.701
0.700
0.716
0.715
0.714
0.713
0.712
0.731
0.730
0.729
0.728
0.727
0.748
0.747
0.746
0.745
0.745
0.762
0.761
0.760
0.759
0.758
0.774
0.773
0.773
0.772
0.771
0.787
0.786
0.785
0.785
0.784
0.799
0.799
0.798
0.797
0.797
0.675
0.674
0.673
0.672
0.671
0.687
0.686
0.685
0.684
0.683
0.699
0.698
0.697
0.696
0.695
0.711
0.710
0.709
0.709
0.708
0.726
0.726
0.725
0.724
0.723
0.744
0.743
0.742
0.741
0.740
0.758
0.757
0.756
0.755
0.754
0.770
0.770
0.769
0.768
0.767
0.783
0.782
0.782
0.781
0.780
0.796
0.795
0.795
0.794
0.793
0.658
0.657
0.656
0.655
0.654
0.670
0.669
0.668
0.667
0.666
0.682
0.681
0.680
0.679
0.678
0.694
0.693
0.692
0.691
0.690
0.707
0.706
0.705
0.704
0.703
0.722
0.721
0.720
0.719
0.719
0.739
0.739
0.738
0.737
0.736
0.754
0.753
0.752
0.751
0.751
0.767
0.766
0.765
0.764
0.764
0.780
0.779
0.778
0.778
0.777
0.793
0.792
0.791
0.791
0.790
0.642
0.641
0.640
0.639
0.638
0.653
0.652
0.651
0.650
0.649
0.665
0.664
0.663
0.662
0.661
0.677
0.676
0.675
0.674
0.673
0.690
0.689
0.688
0.687
0.686
0.702
0.701
0.700
0.700
0.699
0.718
0.717
0.716
0.715
0.714
0.735
0.735
0.734
0.733
0.732
0.750
0.749
0.748
0.748
0.747
0.763
0.762
0.762
0.761
0.760
0.776
0.775
0.775
0.774
0.773
0.789
0.789
0.788
0.787
0.787
0.626
0.625
0.624
0.624
0.623
0.637
0.636
0.635
0.634
0.633
0.648
0.647
0.646
0.645
0.644
0.660
0.659
0.658
0.658
0.657
0.673
0.672
0.671
0.670
0.669
0.685
0.684
0.683
0.683
0.682
0.698
0.697
0.696
0.695
0.694
0.714
0.713
0.712
0.711
0.710
0.731
0.731
0.730
0.729
0.728
0.746
0.745
0.745
0.744
0.743
0.759
0.759
0.758
0.757
0.757
0.773
0.772
0.771
0.771
0.770
0.786
0.786
0.785
0.784
0.784
0.611
0.610
0.609
0.608
0.607
0.622
0.621
0.620
0.619
0.618
0.632
0.631
0.631
0.630
0.629
0.643
0.642
0.642
0.641
0.640
0.656
0.655
0.654
0.653
0.652
0.668
0.667
0.666
0.666
0.665
0.681
0.680
0.679
0.678
0.677
0.694
0.693
0.692
0.691
0.690
0.709
0.709
0.708
0.707
0.706
0.728
0.727
0.726
0.725
0.725
0.742
0.742
0.741
0.740
0.740
0.756
0.755
0.755
0.754
0.753
0.770
0.769
0.768
0.768
0.767
0.783
0.782
0.782
0.781
0.781
0.598
0.597
0.596
0.595
0.595
0.606
0.606
0.605
0.604
0.603
0.617
0.616
0.615
0.615
0.614
0.628
0.627
0.626
0.625
0.624
0.639
0.638
0.637
0.636
0.636
0.651
0.651
0.650
0.649
0.648
0.664
0.663
0.662
0.661
0.660
0.677
0.676
0.675
0.674
0.673
0.690
0.689
0.688
0.687
0.686
0.706
0.705
0.704
0.703
0.702
0.724
0.723
0.722
0.722
0.721
0.739
0.738
0.738
0.737
0.736
0.753
0.752
0.751
0.751
0.750
0.766
0.766
0.765
0.765
0.764
0.780
0.780
0.779
0.778
0.778
0.586
0.585
0.584
0.583
0.583
0.594
0.593
0.592
0.591
0.590
0.602
0.601
0.600
0.600
0.599
0.613
0.612
0.611
0.610
0.609
0.624
0.623
0.622
0.621
0.620
0.635
0.634
0.633
0.632
0.631
0.647
0.646
0.645
0.645
0.644
0.660
0.659
0.658
0.657
0.656
0.673
0.672
0.671
0.670
0.669
0.686
0.685
0.684
0.683
0.682
0.702
0.701
0.700
0.699
0.699
0.720
0.720
0.719
0.718
0.717
0.735
0.735
0.734
0.733
0.733
0.749
0.749
0.748
0.747
0.747
0.763
0.763
0.762
0.762
0.761
0.777
0.777
0.776
0.776
0.775
0.582
0.581
0.580
0.579
0.579
0.589
0.589
0.588
0.587
0.586
0.598
0.597
0.596
0.595
0.594
0.609
0.608
0.607
0.606
0.605
0.619
0.618
0.618
0.617
0.616
0.630
0.630
0.629
0.628
0.627
0.643
0.642
0.641
0.641
0.640
0.656
0.655
0.654
0.653
0.652
0.669
0.668
0.667
0.666
0.665
0.682
0.681
0.680
0.679
0.679
0.698
0.697
0.696
0.696
0.695
0.717
0.716
0.715
0.715
0.714
0.732
0.731
0.731
0.730
0.730
0.746
0.746
0.745
0.744
0.744
0.760
0.760
0.759
0.759
0.758
0.774
0.774
0.773
0.773
0.772
94
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
68
0.570
0.569
0.568
0.568
0.567
69
0.578
0.577
0.576
0.575
0.575
70
0.585
0.585
0.584
0.583
0.582
71
0.594
0.593
0.592
0.591
0.590
72
0.604
0.604
0.603
0.602
0.601
73
0.615
0.614
0.614
0.613
0.612
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.626 0.639 0.652 0.665 0.678
0.626 0.638 0.651 0.664 0.677
0.625 0.637 0.650 0.663 0.676
0.624 0.637 0.649 0.662 0.676
0.623 0.636 0.649 0.662 0.675
2.06
2.07
2.08
2.09
2.10
0.566
0.565
0.565
0.564
0.563
0.574
0.573
0.572
0.571
0.571
0.581
0.581
0.580
0.579
0.578
0.590
0.589
0.588
0.587
0.587
0.600
0.600
0.599
0.598
0.597
0.611
0.610
0.610
0.609
0.608
0.622
0.622
0.621
0.620
0.619
0.635
0.634
0.634
0.633
0.632
0.648
0.647
0.646
0.646
0.645
0.661
0.660
0.659
0.659
0.658
2.11
2.12
2.13
2.14
2.15
0.562
0.562
0.561
0.560
0.559
0.570
0.569
0.568
0.568
0.567
0.577
0.577
0.576
0.575
0.574
0.586
0.585
0.584
0.583
0.583
0.597
0.596
0.595
0.594
0.594
0.607
0.607
0.606
0.605
0.604
0.619
0.618
0.617
0.616
0.616
0.631
0.631
0.630
0.629
0.628
0.644
0.643
0.643
0.642
0.641
2.16
2.17
2.18
2.19
2.20
0.559
0.558
0.557
0.557
0.556
0.566
0.565
0.565
0.564
0.563
0.574
0.573
0.572
0.572
0.571
0.582
0.581
0.580
0.580
0.579
0.593
0.592
0.591
0.591
0.590
0.604
0.603
0.602
0.601
0.601
0.615
0.614
0.613
0.613
0.612
0.628
0.627
0.626
0.625
0.625
2.21
2.22
2.23
2.24
2.25
0.555
0.554
0.554
0.553
0.552
0.563
0.562
0.561
0.560
0.560
0.570
0.569
0.569
0.568
0.567
0.578
0.578
0.577
0.576
0.575
0.589
0.588
0.588
0.587
0.586
0.600
0.599
0.598
0.598
0.597
0.611
0.611
0.610
0.609
0.608
2.26
2.27
2.28
2.29
2.30
0.552
0.551
0.550
0.550
0.549
0.559
0.558
0.558
0.557
0.556
0.567
0.566
0.565
0.564
0.564
0.575
0.574
0.573
0.573
0.572
0.586
0.585
0.584
0.583
0.583
0.596
0.596
0.595
0.594
0.594
2.31
2.32
2.33
2.34
2.35
0.548
0.548
0.547
0.546
0.546
0.556
0.555
0.554
0.554
0.553
0.563
0.562
0.562
0.561
0.560
0.571
0.571
0.570
0.569
0.568
0.582
0.581
0.581
0.580
0.579
2.36
2.37
2.38
2.39
2.40
0.545
0.544
0.544
0.543
0.542
0.552
0.552
0.551
0.550
0.550
0.560
0.559
0.558
0.558
0.557
0.568
0.567
0.566
0.566
0.565
2.41
2.42
2.43
2.44
2.45
0.542
0.541
0.541
0.540
0.539
0.549
0.548
0.548
0.547
0.547
0.556
0.556
0.555
0.554
0.554
2.46
2.47
2.48
2.49
2.50
0.539
0.538
0.538
0.537
0.536
0.546
0.545
0.545
0.544
0.544
2.51
2.52
2.53
2.54
2.55
0.536
0.535
0.535
0.534
0.533
2.56
2.57
2.58
2.59
2.60
0.533
0.532
0.532
0.531
0.530
79
0.694
0.694
0.693
0.692
0.691
80
0.713
0.713
0.712
0.711
0.711
81
0.729
0.728
0.728
0.727
0.726
82
0.743
0.743
0.742
0.741
0.741
83
0.757
0.757
0.756
0.756
0.755
84
0.772
0.771
0.771
0.770
0.770
0.674
0.673
0.673
0.672
0.671
0.691
0.690
0.689
0.689
0.688
0.710
0.709
0.709
0.708
0.707
0.726
0.725
0.724
0.724
0.723
0.740
0.740
0.739
0.738
0.738
0.755
0.754
0.753
0.753
0.752
0.769
0.768
0.768
0.767
0.767
0.657
0.656
0.656
0.655
0.654
0.671
0.670
0.669
0.668
0.668
0.687
0.687
0.686
0.685
0.685
0.707
0.706
0.705
0.705
0.704
0.723
0.722
0.721
0.721
0.720
0.737
0.737
0.736
0.736
0.735
0.752
0.751
0.751
0.750
0.750
0.766
0.766
0.765
0.765
0.764
0.640
0.640
0.639
0.638
0.638
0.654
0.653
0.652
0.652
0.651
0.667
0.666
0.666
0.665
0.664
0.684
0.683
0.683
0.682
0.681
0.704
0.703
0.702
0.702
0.701
0.720
0.719
0.718
0.718
0.717
0.734
0.734
0.733
0.733
0.732
0.749
0.749
0.748
0.748
0.747
0.764
0.763
0.763
0.762
0.762
0.624
0.623
0.623
0.622
0.621
0.637
0.636
0.635
0.635
0.634
0.650
0.649
0.649
0.648
0.647
0.664
0.663
0.662
0.662
0.661
0.681
0.680
0.679
0.679
0.678
0.700
0.700
0.699
0.699
0.698
0.717
0.716
0.716
0.715
0.714
0.732
0.731
0.730
0.730
0.729
0.746
0.746
0.745
0.745
0.744
0.761
0.761
0.760
0.760
0.759
0.608
0.607
0.606
0.606
0.605
0.621
0.620
0.619
0.618
0.618
0.633
0.633
0.632
0.631
0.631
0.647
0.646
0.645
0.645
0.644
0.660
0.660
0.659
0.658
0.658
0.677
0.677
0.676
0.676
0.675
0.697
0.697
0.696
0.696
0.695
0.714
0.713
0.713
0.712
0.712
0.729
0.728
0.728
0.727
0.727
0.744
0.743
0.743
0.742
0.742
0.759
0.758
0.758
0.758
0.757
0.593
0.592
0.592
0.591
0.590
0.604
0.604
0.603
0.602
0.602
0.617
0.616
0.616
0.615
0.614
0.630
0.629
0.629
0.628
0.627
0.643
0.643
0.642
0.641
0.641
0.657
0.656
0.656
0.655
0.654
0.674
0.674
0.673
0.672
0.672
0.694
0.694
0.693
0.693
0.692
0.711
0.710
0.710
0.709
0.709
0.726
0.726
0.725
0.725
0.724
0.741
0.741
0.740
0.740
0.739
0.757
0.756
0.756
0.755
0.755
0.579
0.578
0.577
0.577
0.576
0.589
0.589
0.588
0.588
0.587
0.601
0.600
0.600
0.599
0.598
0.614
0.613
0.612
0.612
0.611
0.627
0.626
0.625
0.625
0.624
0.640
0.639
0.639
0.638
0.638
0.654
0.653
0.653
0.652
0.651
0.671
0.671
0.670
0.669
0.669
0.692
0.691
0.690
0.690
0.689
0.708
0.708
0.707
0.707
0.706
0.724
0.723
0.723
0.722
0.722
0.739
0.738
0.738
0.737
0.737
0.754
0.754
0.753
0.753
0.752
0.564
0.564
0.563
0.563
0.562
0.575
0.575
0.574
0.573
0.573
0.586
0.586
0.585
0.584
0.584
0.598
0.597
0.596
0.596
0.595
0.611
0.610
0.609
0.609
0.608
0.623
0.623
0.622
0.622
0.621
0.637
0.636
0.636
0.635
0.634
0.651
0.650
0.649
0.649
0.648
0.668
0.668
0.667
0.666
0.666
0.689
0.688
0.688
0.687
0.686
0.706
0.705
0.704
0.704
0.703
0.721
0.721
0.720
0.720
0.719
0.737
0.736
0.736
0.735
0.735
0.752
0.752
0.751
0.751
0.750
0.553
0.553
0.552
0.551
0.551
0.561
0.561
0.560
0.559
0.559
0.572
0.571
0.571
0.570
0.570
0.583
0.582
0.582
0.581
0.580
0.594
0.594
0.593
0.592
0.592
0.607
0.607
0.606
0.605
0.605
0.620
0.620
0.619
0.618
0.618
0.634
0.633
0.633
0.632
0.631
0.648
0.647
0.646
0.646
0.645
0.665
0.665
0.664
0.664
0.663
0.686
0.685
0.685
0.684
0.684
0.703
0.702
0.702
0.701
0.701
0.719
0.718
0.718
0.717
0.717
0.734
0.734
0.733
0.733
0.732
0.750
0.749
0.749
0.748
0.748
0.543
0.542
0.542
0.541
0.541
0.550
0.550
0.549
0.548
0.548
0.558
0.557
0.557
0.556
0.556
0.569
0.568
0.568
0.567
0.567
0.580
0.579
0.579
0.578
0.577
0.591
0.591
0.590
0.589
0.589
0.604
0.604
0.603
0.602
0.602
0.617
0.617
0.616
0.615
0.615
0.631
0.630
0.630
0.629
0.628
0.645
0.644
0.644
0.643
0.642
0.662
0.662
0.661
0.661
0.660
0.683
0.683
0.682
0.682
0.681
0.700
0.700
0.699
0.699
0.698
0.716
0.716
0.715
0.715
0.714
0.732
0.731
0.731
0.731
0.730
0.748
0.747
0.747
0.746
0.746
0.540
0.539
0.539
0.538
0.538
0.547
0.546
0.546
0.545
0.545
0.555
0.554
0.554
0.553
0.553
0.566
0.565
0.565
0.564
0.564
0.577
0.576
0.576
0.575
0.574
0.588
0.588
0.587
0.586
0.586
0.601
0.601
0.600
0.599
0.599
0.614
0.614
0.613
0.612
0.612
0.628
0.627
0.627
0.626
0.626
0.642
0.641
0.641
0.640
0.640
0.660
0.659
0.659
0.658
0.657
0.681
0.680
0.680
0.679
0.678
0.698
0.697
0.697
0.696
0.696
0.714
0.713
0.713
0.712
0.712
0.730
0.729
0.729
0.728
0.728
0.746
0.745
0.745
0.744
0.744
95
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
68
0.530
0.529
0.529
0.528
0.528
69
0.537
0.536
0.536
0.535
0.535
70
0.544
0.544
0.543
0.542
0.542
71
0.552
0.551
0.551
0.550
0.550
72
0.563
0.562
0.562
0.561
0.561
73
0.574
0.573
0.573
0.572
0.571
Expected Unlimited Loss & ALAE Group
74
75
76
77
78
0.585 0.598 0.611 0.625 0.639
0.585 0.598 0.611 0.624 0.638
0.584 0.597 0.610 0.624 0.638
0.583 0.596 0.610 0.623 0.637
0.583 0.596 0.609 0.623 0.637
2.66
2.67
2.68
2.69
2.70
0.527
0.527
0.526
0.526
0.525
0.534
0.534
0.533
0.533
0.532
0.541
0.541
0.540
0.540
0.539
0.549
0.549
0.548
0.547
0.547
0.560
0.559
0.559
0.558
0.558
0.571
0.570
0.570
0.569
0.569
0.582
0.582
0.581
0.581
0.580
0.595
0.595
0.594
0.594
0.593
0.608
0.608
0.607
0.607
0.606
0.622
0.622
0.621
0.621
0.620
2.71
2.72
2.73
2.74
2.75
0.524
0.524
0.523
0.523
0.522
0.531
0.531
0.530
0.530
0.529
0.538
0.538
0.537
0.537
0.536
0.546
0.546
0.545
0.545
0.544
0.557
0.557
0.556
0.556
0.555
0.568
0.567
0.567
0.566
0.566
0.579
0.579
0.578
0.578
0.577
0.593
0.592
0.591
0.591
0.590
0.606
0.605
0.605
0.604
0.603
2.76
2.77
2.78
2.79
2.80
0.522
0.521
0.521
0.520
0.520
0.529
0.528
0.528
0.527
0.527
0.536
0.535
0.535
0.534
0.534
0.544
0.543
0.542
0.542
0.541
0.554
0.554
0.553
0.553
0.552
0.565
0.565
0.564
0.564
0.563
0.577
0.576
0.576
0.575
0.574
0.590
0.589
0.589
0.588
0.588
2.81
2.82
2.83
2.84
2.85
0.519
0.519
0.518
0.518
0.517
0.526
0.526
0.525
0.525
0.524
0.533
0.533
0.532
0.532
0.531
0.541
0.540
0.540
0.539
0.539
0.552
0.551
0.551
0.550
0.550
0.563
0.562
0.562
0.561
0.560
0.574
0.573
0.573
0.572
0.572
2.86
2.87
2.88
2.89
2.90
0.517
0.516
0.516
0.510
0.509
0.524
0.523
0.523
0.519
0.518
0.531
0.530
0.530
0.528
0.527
0.538
0.538
0.537
0.537
0.536
0.549
0.549
0.548
0.548
0.547
0.560
0.559
0.559
0.558
0.558
2.91
2.92
2.93
2.94
2.95
0.509
0.508
0.508
0.505
0.505
0.518
0.517
0.517
0.515
0.515
0.527
0.526
0.526
0.525
0.525
0.536
0.535
0.535
0.535
0.535
0.547
0.546
0.546
0.546
0.545
2.96
2.97
2.98
2.99
3.00
0.504
0.502
0.501
0.501
0.498
0.514
0.513
0.513
0.512
0.510
0.525
0.524
0.524
0.524
0.523
0.535
0.535
0.535
0.535
0.535
0.545
0.545
0.545
0.545
0.545
79
0.657
0.656
0.656
0.655
0.655
80
0.678
0.677
0.677
0.676
0.676
81
0.695
0.695
0.694
0.694
0.693
82
0.711
0.711
0.710
0.710
0.710
83
0.727
0.727
0.727
0.726
0.726
84
0.743
0.743
0.743
0.742
0.742
0.636
0.636
0.635
0.635
0.634
0.654
0.654
0.653
0.653
0.652
0.675
0.675
0.674
0.674
0.673
0.693
0.693
0.692
0.692
0.691
0.709
0.709
0.708
0.708
0.707
0.725
0.725
0.724
0.724
0.724
0.741
0.741
0.741
0.740
0.740
0.619
0.619
0.618
0.618
0.617
0.633
0.633
0.632
0.632
0.631
0.652
0.651
0.651
0.650
0.650
0.673
0.672
0.672
0.672
0.671
0.691
0.690
0.690
0.689
0.689
0.707
0.706
0.706
0.706
0.705
0.723
0.723
0.722
0.722
0.722
0.739
0.739
0.739
0.738
0.738
0.603
0.602
0.602
0.601
0.601
0.617
0.616
0.616
0.615
0.615
0.631
0.630
0.630
0.629
0.629
0.649
0.649
0.648
0.648
0.647
0.671
0.670
0.670
0.669
0.669
0.688
0.688
0.687
0.687
0.687
0.705
0.704
0.704
0.703
0.703
0.721
0.721
0.720
0.720
0.720
0.738
0.737
0.737
0.736
0.736
0.587
0.587
0.586
0.586
0.585
0.600
0.600
0.599
0.599
0.598
0.614
0.614
0.613
0.613
0.612
0.628
0.628
0.627
0.627
0.626
0.647
0.646
0.646
0.645
0.645
0.668
0.668
0.667
0.667
0.666
0.686
0.686
0.685
0.685
0.684
0.703
0.702
0.702
0.701
0.701
0.719
0.719
0.718
0.718
0.718
0.736
0.735
0.735
0.735
0.734
0.571
0.571
0.570
0.570
0.569
0.584
0.584
0.584
0.583
0.583
0.598
0.597
0.597
0.596
0.596
0.612
0.611
0.611
0.610
0.610
0.626
0.625
0.625
0.624
0.624
0.644
0.640
0.640
0.639
0.639
0.666
0.656
0.656
0.655
0.655
0.684
0.673
0.673
0.672
0.672
0.701
0.690
0.690
0.689
0.689
0.717
0.708
0.707
0.707
0.706
0.734
0.725
0.724
0.724
0.723
0.558
0.557
0.557
0.556
0.556
0.569
0.568
0.568
0.568
0.567
0.582
0.582
0.581
0.581
0.581
0.595
0.595
0.595
0.595
0.594
0.609
0.609
0.608
0.608
0.608
0.623
0.623
0.622
0.622
0.622
0.638
0.638
0.637
0.637
0.637
0.654
0.654
0.653
0.653
0.652
0.671
0.671
0.670
0.670
0.669
0.688
0.688
0.688
0.687
0.687
0.706
0.705
0.705
0.705
0.704
0.723
0.723
0.722
0.722
0.722
0.555
0.555
0.555
0.555
0.555
0.567
0.566
0.566
0.566
0.566
0.580
0.580
0.579
0.579
0.579
0.594
0.593
0.593
0.592
0.592
0.608
0.607
0.607
0.606
0.606
0.621
0.621
0.620
0.620
0.619
0.636
0.635
0.635
0.634
0.634
0.652
0.650
0.649
0.649
0.648
0.669
0.667
0.666
0.665
0.665
0.686
0.684
0.684
0.683
0.683
0.704
0.702
0.701
0.701
0.700
0.721
0.719
0.719
0.718
0.718
96
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.01
0.02
0.03
0.04
0.05
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.14
0.15
0.16
0.17
0.18
0.19
0.20
0.21
0.22
0.23
0.24
0.25
0.26
0.27
0.28
0.29
0.30
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.999 0.999 0.999 0.999 0.999
0.009 0.009 0.009 0.009 0.009
0.997 0.997 0.998 0.998 0.998
0.017 0.017 0.018 0.018 0.018
0.995 0.995 0.996 0.996 0.997
0.025 0.025 0.026 0.026 0.027
85
0.999
0.009
0.996
0.016
0.992
0.022
86
0.999
0.009
0.996
0.016
0.993
0.023
87
0.999
0.009
0.996
0.016
0.993
0.023
88
0.999
0.009
0.996
0.016
0.994
0.024
89
0.999
0.009
0.997
0.017
0.994
0.024
95
1.000
0.010
0.999
0.019
0.997
0.027
96
1.000
0.010
0.999
0.019
0.998
0.028
97
1.000
0.010
0.999
0.019
0.998
0.028
98
1.000
0.010
0.999
0.019
0.999
0.029
99
1.000
0.010
1.000
0.020
0.999
0.029
0.989
0.029
0.986
0.036
0.983
0.043
0.990
0.030
0.987
0.037
0.984
0.044
0.991
0.031
0.988
0.038
0.986
0.046
0.991
0.031
0.989
0.039
0.987
0.047
0.992
0.032
0.990
0.040
0.988
0.048
0.993
0.033
0.991
0.041
0.989
0.049
0.994
0.034
0.992
0.042
0.990
0.050
0.994
0.034
0.993
0.043
0.991
0.051
0.995
0.035
0.994
0.044
0.992
0.052
0.996
0.036
0.995
0.045
0.993
0.053
0.996
0.036
0.995
0.045
0.994
0.054
0.997
0.037
0.996
0.046
0.996
0.056
0.998
0.038
0.997
0.047
0.997
0.057
0.999
0.039
0.998
0.048
0.998
0.058
0.999
0.039
0.999
0.049
0.999
0.059
0.981
0.051
0.978
0.058
0.976
0.066
0.982
0.052
0.979
0.059
0.977
0.067
0.983
0.053
0.981
0.061
0.979
0.069
0.985
0.055
0.982
0.062
0.981
0.071
0.986
0.056
0.984
0.064
0.982
0.072
0.987
0.057
0.985
0.065
0.984
0.074
0.988
0.058
0.987
0.067
0.985
0.075
0.990
0.060
0.988
0.068
0.987
0.077
0.991
0.061
0.990
0.070
0.989
0.079
0.992
0.062
0.991
0.071
0.990
0.080
0.994
0.064
0.993
0.073
0.992
0.082
0.995
0.065
0.994
0.074
0.994
0.084
0.996
0.066
0.996
0.076
0.995
0.085
0.997
0.067
0.997
0.077
0.997
0.087
0.999
0.069
0.999
0.079
0.998
0.088
0.973
0.073
0.971
0.081
0.969
0.089
0.975
0.075
0.973
0.083
0.971
0.091
0.977
0.077
0.975
0.085
0.973
0.093
0.979
0.079
0.977
0.087
0.975
0.095
0.980
0.080
0.979
0.089
0.977
0.097
0.982
0.082
0.981
0.091
0.979
0.099
0.984
0.084
0.983
0.093
0.981
0.101
0.986
0.086
0.985
0.095
0.983
0.103
0.987
0.087
0.987
0.097
0.986
0.106
0.989
0.089
0.988
0.098
0.988
0.108
0.991
0.091
0.990
0.100
0.990
0.110
0.993
0.093
0.992
0.102
0.992
0.112
0.995
0.095
0.994
0.104
0.994
0.114
0.996
0.096
0.996
0.106
0.996
0.116
0.998
0.098
0.998
0.108
0.998
0.118
0.967
0.097
0.965
0.105
0.963
0.113
0.969
0.099
0.967
0.107
0.966
0.116
0.971
0.101
0.970
0.110
0.968
0.118
0.974
0.104
0.972
0.112
0.971
0.121
0.976
0.106
0.974
0.114
0.973
0.123
0.978
0.108
0.977
0.117
0.975
0.125
0.980
0.110
0.979
0.119
0.978
0.128
0.982
0.112
0.981
0.121
0.980
0.130
0.985
0.115
0.984
0.124
0.983
0.133
0.987
0.117
0.986
0.126
0.985
0.135
0.989
0.119
0.988
0.128
0.988
0.138
0.991
0.121
0.991
0.131
0.990
0.140
0.993
0.123
0.993
0.133
0.993
0.143
0.996
0.126
0.995
0.135
0.995
0.145
0.998
0.128
0.998
0.138
0.998
0.148
0.961
0.121
0.959
0.129
0.958
0.138
0.964
0.124
0.962
0.132
0.960
0.140
0.966
0.126
0.965
0.135
0.963
0.143
0.969
0.129
0.968
0.138
0.966
0.146
0.972
0.132
0.970
0.140
0.969
0.149
0.974
0.134
0.973
0.143
0.972
0.152
0.977
0.137
0.976
0.146
0.975
0.155
0.979
0.139
0.978
0.148
0.977
0.157
0.982
0.142
0.981
0.151
0.980
0.160
0.985
0.145
0.984
0.154
0.983
0.163
0.987
0.147
0.986
0.156
0.986
0.166
0.990
0.150
0.989
0.159
0.989
0.169
0.992
0.152
0.992
0.162
0.992
0.172
0.995
0.155
0.995
0.165
0.994
0.174
0.997
0.157
0.997
0.167
0.997
0.177
0.956
0.146
0.954
0.154
0.952
0.162
0.959
0.149
0.957
0.157
0.956
0.166
0.962
0.152
0.960
0.160
0.959
0.169
0.965
0.155
0.963
0.163
0.962
0.172
0.968
0.158
0.966
0.166
0.965
0.175
0.971
0.161
0.969
0.169
0.968
0.178
0.974
0.164
0.972
0.172
0.971
0.181
0.976
0.166
0.976
0.176
0.975
0.185
0.979
0.169
0.979
0.179
0.978
0.188
0.982
0.172
0.982
0.182
0.981
0.191
0.985
0.175
0.985
0.185
0.984
0.194
0.988
0.178
0.988
0.188
0.987
0.197
0.991
0.181
0.991
0.191
0.990
0.200
0.994
0.184
0.994
0.194
0.994
0.204
0.997
0.187
0.997
0.197
0.997
0.207
0.951
0.171
0.949
0.179
0.947
0.187
0.954
0.174
0.952
0.182
0.951
0.191
0.957
0.177
0.956
0.186
0.954
0.194
0.961
0.181
0.959
0.189
0.958
0.198
0.964
0.184
0.963
0.193
0.961
0.201
0.967
0.187
0.966
0.196
0.965
0.205
0.970
0.190
0.969
0.199
0.968
0.208
0.974
0.194
0.973
0.203
0.972
0.212
0.977
0.197
0.976
0.206
0.975
0.215
0.980
0.200
0.980
0.210
0.979
0.219
0.984
0.204
0.983
0.213
0.982
0.222
0.987
0.207
0.986
0.216
0.986
0.226
0.990
0.210
0.990
0.220
0.989
0.229
0.993
0.213
0.993
0.223
0.993
0.233
0.997
0.217
0.997
0.227
0.996
0.236
0.946
0.196
0.944
0.204
0.942
0.212
0.949
0.199
0.948
0.208
0.946
0.216
0.953
0.203
0.952
0.212
0.950
0.220
0.957
0.207
0.955
0.215
0.954
0.224
0.960
0.210
0.959
0.219
0.958
0.228
0.964
0.214
0.963
0.223
0.962
0.232
0.967
0.217
0.966
0.226
0.965
0.235
0.971
0.221
0.970
0.230
0.969
0.239
0.975
0.225
0.974
0.234
0.973
0.243
0.978
0.228
0.978
0.238
0.977
0.247
0.982
0.232
0.981
0.241
0.981
0.251
0.986
0.236
0.985
0.245
0.985
0.255
0.989
0.239
0.989
0.249
0.988
0.258
0.993
0.243
0.993
0.253
0.992
0.262
0.996
0.246
0.996
0.256
0.996
0.266
0.941
0.221
0.939
0.229
0.938
0.238
0.945
0.225
0.943
0.233
0.942
0.242
0.949
0.229
0.947
0.237
0.946
0.246
0.953
0.233
0.951
0.241
0.950
0.250
0.957
0.237
0.955
0.245
0.954
0.254
0.961
0.241
0.960
0.250
0.958
0.258
0.965
0.245
0.964
0.254
0.963
0.263
0.968
0.248
0.968
0.258
0.967
0.267
0.972
0.252
0.972
0.262
0.971
0.271
0.976
0.256
0.976
0.266
0.975
0.275
0.980
0.260
0.980
0.270
0.979
0.279
0.984
0.264
0.984
0.274
0.983
0.283
0.988
0.268
0.988
0.278
0.988
0.288
0.992
0.272
0.992
0.282
0.992
0.292
0.996
0.276
0.996
0.286
0.996
0.296
97
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.31
0.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
0.40
0.41
0.42
0.43
0.44
0.45
0.46
0.47
0.48
0.49
0.50
0.51
0.52
0.53
0.54
0.55
0.56
0.57
0.58
0.59
0.60
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.957 0.962 0.966 0.970 0.974
0.267 0.272 0.276 0.280 0.284
0.956 0.961 0.965 0.969 0.974
0.276 0.281 0.285 0.289 0.294
0.955 0.960 0.964 0.969 0.973
0.285 0.290 0.294 0.299 0.303
85
0.936
0.246
0.935
0.255
0.933
0.263
86
0.940
0.250
0.939
0.259
0.938
0.268
87
0.945
0.255
0.943
0.263
0.942
0.272
88
0.949
0.259
0.948
0.268
0.946
0.276
89
0.953
0.263
0.952
0.272
0.951
0.281
95
0.979
0.289
0.978
0.298
0.978
0.308
96
0.983
0.293
0.983
0.303
0.982
0.312
97
0.987
0.297
0.987
0.307
0.987
0.317
98
0.991
0.301
0.991
0.311
0.991
0.321
99
0.996
0.306
0.996
0.316
0.996
0.326
0.932
0.272
0.930
0.280
0.929
0.289
0.936
0.276
0.935
0.285
0.933
0.293
0.941
0.281
0.939
0.289
0.938
0.298
0.945
0.285
0.944
0.294
0.943
0.303
0.950
0.290
0.949
0.299
0.948
0.308
0.954
0.294
0.953
0.303
0.952
0.312
0.959
0.299
0.958
0.308
0.957
0.317
0.964
0.304
0.963
0.313
0.962
0.322
0.968
0.308
0.967
0.317
0.967
0.327
0.973
0.313
0.972
0.322
0.971
0.331
0.977
0.317
0.977
0.327
0.976
0.336
0.982
0.322
0.981
0.331
0.981
0.341
0.986
0.326
0.986
0.336
0.986
0.346
0.991
0.331
0.991
0.341
0.990
0.350
0.995
0.335
0.995
0.345
0.995
0.355
0.927
0.297
0.926
0.306
0.924
0.314
0.932
0.302
0.931
0.311
0.929
0.319
0.937
0.307
0.936
0.316
0.934
0.324
0.942
0.312
0.941
0.321
0.939
0.329
0.947
0.317
0.945
0.325
0.944
0.334
0.951
0.321
0.950
0.330
0.949
0.339
0.956
0.326
0.955
0.335
0.955
0.345
0.961
0.331
0.960
0.340
0.960
0.350
0.966
0.336
0.965
0.345
0.965
0.355
0.971
0.341
0.970
0.350
0.970
0.360
0.976
0.346
0.975
0.355
0.975
0.365
0.981
0.351
0.980
0.360
0.980
0.370
0.985
0.355
0.985
0.365
0.985
0.375
0.990
0.360
0.990
0.370
0.990
0.380
0.995
0.365
0.995
0.375
0.995
0.385
0.923
0.323
0.921
0.331
0.920
0.340
0.928
0.328
0.927
0.337
0.925
0.345
0.933
0.333
0.932
0.342
0.931
0.351
0.938
0.338
0.937
0.347
0.936
0.356
0.943
0.343
0.942
0.352
0.941
0.361
0.949
0.349
0.948
0.358
0.947
0.367
0.954
0.354
0.953
0.363
0.952
0.372
0.959
0.359
0.958
0.368
0.957
0.377
0.964
0.364
0.963
0.373
0.963
0.383
0.969
0.369
0.969
0.379
0.968
0.388
0.974
0.374
0.974
0.384
0.973
0.393
0.979
0.379
0.979
0.389
0.979
0.399
0.985
0.385
0.984
0.394
0.984
0.404
0.990
0.390
0.990
0.400
0.989
0.409
0.995
0.395
0.995
0.405
0.995
0.415
0.919
0.349
0.917
0.357
0.916
0.366
0.924
0.354
0.923
0.363
0.921
0.371
0.929
0.359
0.928
0.368
0.927
0.377
0.935
0.365
0.934
0.374
0.933
0.383
0.940
0.370
0.939
0.379
0.938
0.388
0.946
0.376
0.945
0.385
0.944
0.394
0.951
0.381
0.950
0.390
0.949
0.399
0.957
0.387
0.956
0.396
0.955
0.405
0.962
0.392
0.961
0.401
0.961
0.411
0.967
0.397
0.967
0.407
0.966
0.416
0.973
0.403
0.972
0.412
0.972
0.422
0.978
0.408
0.978
0.418
0.978
0.428
0.984
0.414
0.983
0.423
0.983
0.433
0.989
0.419
0.989
0.429
0.989
0.439
0.995
0.425
0.994
0.434
0.994
0.444
0.914
0.374
0.913
0.383
0.912
0.392
0.920
0.380
0.919
0.389
0.918
0.398
0.926
0.386
0.925
0.395
0.923
0.403
0.931
0.391
0.930
0.400
0.929
0.409
0.937
0.397
0.936
0.406
0.935
0.415
0.943
0.403
0.942
0.412
0.941
0.421
0.949
0.409
0.948
0.418
0.947
0.427
0.954
0.414
0.954
0.424
0.953
0.433
0.960
0.420
0.959
0.429
0.959
0.439
0.966
0.426
0.965
0.435
0.965
0.445
0.971
0.431
0.971
0.441
0.971
0.451
0.977
0.437
0.977
0.447
0.976
0.456
0.983
0.443
0.983
0.453
0.982
0.462
0.989
0.449
0.988
0.458
0.988
0.468
0.994
0.454
0.994
0.464
0.994
0.474
0.910
0.400
0.909
0.409
0.908
0.418
0.916
0.406
0.915
0.415
0.914
0.424
0.922
0.412
0.921
0.421
0.920
0.430
0.928
0.418
0.927
0.427
0.926
0.436
0.934
0.424
0.933
0.433
0.932
0.442
0.940
0.430
0.939
0.439
0.938
0.448
0.946
0.436
0.945
0.445
0.945
0.455
0.952
0.442
0.951
0.451
0.951
0.461
0.958
0.448
0.958
0.458
0.957
0.467
0.964
0.454
0.964
0.464
0.963
0.473
0.970
0.460
0.970
0.470
0.969
0.479
0.976
0.466
0.976
0.476
0.975
0.485
0.982
0.472
0.982
0.482
0.982
0.492
0.988
0.478
0.988
0.488
0.988
0.498
0.994
0.484
0.994
0.494
0.994
0.504
0.906
0.426
0.905
0.435
0.904
0.444
0.913
0.433
0.911
0.441
0.910
0.450
0.919
0.439
0.918
0.448
0.917
0.457
0.925
0.445
0.924
0.454
0.923
0.463
0.931
0.451
0.930
0.460
0.929
0.469
0.938
0.458
0.937
0.467
0.936
0.476
0.944
0.464
0.943
0.473
0.942
0.482
0.950
0.470
0.949
0.479
0.949
0.489
0.956
0.476
0.956
0.486
0.955
0.495
0.963
0.483
0.962
0.492
0.961
0.501
0.969
0.489
0.968
0.498
0.968
0.508
0.975
0.495
0.975
0.505
0.974
0.514
0.981
0.501
0.981
0.511
0.981
0.521
0.988
0.508
0.987
0.517
0.987
0.527
0.994
0.514
0.994
0.524
0.994
0.534
0.902
0.452
0.901
0.461
0.900
0.470
0.909
0.459
0.908
0.468
0.907
0.477
0.915
0.465
0.914
0.474
0.913
0.483
0.922
0.472
0.921
0.481
0.920
0.490
0.928
0.478
0.927
0.487
0.927
0.497
0.935
0.485
0.934
0.494
0.933
0.503
0.941
0.491
0.941
0.501
0.940
0.510
0.948
0.498
0.947
0.507
0.947
0.517
0.954
0.504
0.954
0.514
0.953
0.523
0.961
0.511
0.960
0.520
0.960
0.530
0.967
0.517
0.967
0.527
0.967
0.537
0.974
0.524
0.974
0.534
0.973
0.543
0.980
0.530
0.980
0.540
0.980
0.550
0.987
0.537
0.987
0.547
0.987
0.557
0.993
0.543
0.993
0.553
0.993
0.563
0.899
0.479
0.897
0.487
0.896
0.496
0.905
0.485
0.904
0.494
0.903
0.503
0.912
0.492
0.911
0.501
0.910
0.510
0.919
0.499
0.918
0.508
0.917
0.517
0.926
0.506
0.925
0.515
0.924
0.524
0.932
0.512
0.932
0.522
0.931
0.531
0.939
0.519
0.938
0.528
0.938
0.538
0.946
0.526
0.945
0.535
0.945
0.545
0.953
0.533
0.952
0.542
0.951
0.551
0.959
0.539
0.959
0.549
0.958
0.558
0.966
0.546
0.966
0.556
0.965
0.565
0.973
0.553
0.973
0.563
0.972
0.572
0.980
0.560
0.979
0.569
0.979
0.579
0.986
0.566
0.986
0.576
0.986
0.586
0.993
0.573
0.993
0.583
0.993
0.593
98
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.61
0.62
0.63
0.64
0.65
0.66
0.67
0.68
0.69
0.70
0.71
0.72
0.73
0.74
0.75
0.76
0.77
0.78
0.79
0.80
0.81
0.82
0.83
0.84
0.85
0.86
0.87
0.88
0.89
0.90
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.930 0.937 0.944 0.951 0.958
0.540 0.547 0.554 0.561 0.568
0.929 0.936 0.943 0.950 0.957
0.549 0.556 0.563 0.570 0.577
0.928 0.935 0.943 0.950 0.957
0.558 0.565 0.573 0.580 0.587
85
0.895
0.505
0.894
0.514
0.892
0.522
86
0.902
0.512
0.901
0.521
0.900
0.530
87
0.909
0.519
0.908
0.528
0.907
0.537
88
0.916
0.526
0.915
0.535
0.914
0.544
89
0.923
0.533
0.922
0.542
0.921
0.551
95
0.965
0.575
0.965
0.585
0.964
0.594
96
0.972
0.582
0.972
0.592
0.971
0.601
97
0.979
0.589
0.979
0.599
0.978
0.608
98
0.986
0.596
0.986
0.606
0.986
0.616
99
0.993
0.603
0.993
0.613
0.993
0.623
0.891
0.531
0.890
0.540
0.889
0.549
0.898
0.538
0.897
0.547
0.896
0.556
0.906
0.546
0.905
0.555
0.904
0.564
0.913
0.553
0.912
0.562
0.911
0.571
0.920
0.560
0.919
0.569
0.918
0.578
0.927
0.567
0.927
0.577
0.926
0.586
0.935
0.575
0.934
0.584
0.933
0.593
0.942
0.582
0.941
0.591
0.941
0.601
0.949
0.589
0.949
0.599
0.948
0.608
0.956
0.596
0.956
0.606
0.955
0.615
0.964
0.604
0.963
0.613
0.963
0.623
0.971
0.611
0.971
0.621
0.970
0.630
0.978
0.618
0.978
0.628
0.978
0.638
0.985
0.625
0.985
0.635
0.985
0.645
0.993
0.633
0.993
0.643
0.993
0.653
0.888
0.558
0.886
0.566
0.885
0.575
0.895
0.565
0.894
0.574
0.893
0.583
0.903
0.573
0.902
0.582
0.900
0.590
0.910
0.580
0.909
0.589
0.908
0.598
0.918
0.588
0.917
0.597
0.916
0.606
0.925
0.595
0.924
0.604
0.923
0.613
0.933
0.603
0.932
0.612
0.931
0.621
0.940
0.610
0.939
0.619
0.939
0.629
0.948
0.618
0.947
0.627
0.946
0.636
0.955
0.625
0.955
0.635
0.954
0.644
0.963
0.633
0.962
0.642
0.962
0.652
0.970
0.640
0.970
0.650
0.969
0.659
0.978
0.648
0.977
0.657
0.977
0.667
0.985
0.655
0.985
0.665
0.985
0.675
0.993
0.663
0.992
0.672
0.992
0.682
0.884
0.584
0.883
0.593
0.882
0.602
0.892
0.592
0.891
0.601
0.890
0.610
0.899
0.599
0.898
0.608
0.897
0.617
0.907
0.607
0.906
0.616
0.905
0.625
0.915
0.615
0.914
0.624
0.913
0.633
0.923
0.623
0.922
0.632
0.921
0.641
0.930
0.630
0.930
0.640
0.929
0.649
0.938
0.638
0.938
0.648
0.937
0.657
0.946
0.646
0.945
0.655
0.945
0.665
0.954
0.654
0.953
0.663
0.953
0.673
0.961
0.661
0.961
0.671
0.961
0.681
0.969
0.669
0.969
0.679
0.968
0.688
0.977
0.677
0.977
0.687
0.976
0.696
0.985
0.685
0.984
0.694
0.984
0.704
0.992
0.692
0.992
0.702
0.992
0.712
0.881
0.611
0.879
0.619
0.878
0.628
0.889
0.619
0.887
0.627
0.886
0.636
0.896
0.626
0.895
0.635
0.895
0.645
0.904
0.634
0.904
0.644
0.903
0.653
0.912
0.642
0.912
0.652
0.911
0.661
0.920
0.650
0.920
0.660
0.919
0.669
0.928
0.658
0.928
0.668
0.927
0.677
0.936
0.666
0.936
0.676
0.935
0.685
0.944
0.674
0.944
0.684
0.943
0.693
0.952
0.682
0.952
0.692
0.951
0.701
0.960
0.690
0.960
0.700
0.959
0.709
0.968
0.698
0.968
0.708
0.968
0.718
0.976
0.706
0.976
0.716
0.976
0.726
0.984
0.714
0.984
0.724
0.984
0.734
0.992
0.722
0.992
0.732
0.992
0.742
0.877
0.637
0.876
0.646
0.875
0.655
0.885
0.645
0.884
0.654
0.883
0.663
0.894
0.654
0.893
0.663
0.892
0.672
0.902
0.662
0.901
0.671
0.900
0.680
0.910
0.670
0.909
0.679
0.908
0.688
0.918
0.678
0.917
0.687
0.917
0.697
0.926
0.686
0.926
0.696
0.925
0.705
0.934
0.694
0.934
0.704
0.933
0.713
0.943
0.703
0.942
0.712
0.942
0.722
0.951
0.711
0.950
0.720
0.950
0.730
0.959
0.719
0.959
0.729
0.958
0.738
0.967
0.727
0.967
0.737
0.967
0.747
0.975
0.735
0.975
0.745
0.975
0.755
0.984
0.744
0.983
0.753
0.983
0.763
0.992
0.752
0.992
0.762
0.992
0.772
0.874
0.664
0.873
0.673
0.872
0.682
0.882
0.672
0.881
0.681
0.880
0.690
0.891
0.681
0.890
0.690
0.889
0.699
0.899
0.689
0.898
0.698
0.897
0.707
0.907
0.697
0.907
0.707
0.906
0.716
0.916
0.706
0.915
0.715
0.914
0.724
0.924
0.714
0.924
0.724
0.923
0.733
0.933
0.723
0.932
0.732
0.932
0.742
0.941
0.731
0.941
0.741
0.940
0.750
0.950
0.740
0.949
0.749
0.949
0.759
0.958
0.748
0.958
0.758
0.957
0.767
0.966
0.756
0.966
0.766
0.966
0.776
0.975
0.765
0.975
0.775
0.974
0.784
0.983
0.773
0.983
0.783
0.983
0.793
0.992
0.782
0.992
0.792
0.991
0.801
0.871
0.691
0.870
0.700
0.868
0.708
0.879
0.699
0.878
0.708
0.877
0.717
0.888
0.708
0.887
0.717
0.886
0.726
0.896
0.716
0.896
0.726
0.895
0.735
0.905
0.725
0.904
0.734
0.904
0.744
0.914
0.734
0.913
0.743
0.912
0.752
0.922
0.742
0.922
0.752
0.921
0.761
0.931
0.751
0.930
0.760
0.930
0.770
0.940
0.760
0.939
0.769
0.939
0.779
0.948
0.768
0.948
0.778
0.947
0.787
0.957
0.777
0.957
0.787
0.956
0.796
0.965
0.785
0.965
0.795
0.965
0.805
0.974
0.794
0.974
0.804
0.974
0.814
0.983
0.803
0.983
0.813
0.982
0.822
0.991
0.811
0.991
0.821
0.991
0.831
0.867
0.717
0.866
0.726
0.865
0.735
0.876
0.726
0.875
0.735
0.874
0.744
0.885
0.735
0.884
0.744
0.883
0.753
0.894
0.744
0.893
0.753
0.892
0.762
0.903
0.753
0.902
0.762
0.901
0.771
0.912
0.762
0.911
0.771
0.910
0.780
0.920
0.770
0.920
0.780
0.919
0.789
0.929
0.779
0.929
0.789
0.928
0.798
0.938
0.788
0.938
0.798
0.937
0.807
0.947
0.797
0.947
0.807
0.946
0.816
0.956
0.806
0.955
0.815
0.955
0.825
0.965
0.815
0.964
0.824
0.964
0.834
0.973
0.823
0.973
0.833
0.973
0.843
0.982
0.832
0.982
0.842
0.982
0.852
0.991
0.841
0.991
0.851
0.991
0.861
0.864
0.744
0.863
0.753
0.862
0.762
0.873
0.753
0.872
0.762
0.871
0.771
0.882
0.762
0.881
0.771
0.881
0.781
0.891
0.771
0.891
0.781
0.890
0.790
0.900
0.780
0.900
0.790
0.899
0.799
0.909
0.789
0.909
0.799
0.908
0.808
0.919
0.799
0.918
0.808
0.917
0.817
0.928
0.808
0.927
0.817
0.926
0.826
0.937
0.817
0.936
0.826
0.936
0.836
0.946
0.826
0.945
0.835
0.945
0.845
0.955
0.835
0.954
0.844
0.954
0.854
0.964
0.844
0.964
0.854
0.963
0.863
0.973
0.853
0.973
0.863
0.972
0.872
0.982
0.862
0.982
0.872
0.982
0.882
0.991
0.871
0.991
0.881
0.991
0.891
99
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
0.91
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.907 0.917 0.926 0.935 0.944
0.817 0.827 0.836 0.845 0.854
0.907 0.916 0.925 0.935 0.944
0.827 0.836 0.845 0.855 0.864
0.905 0.915 0.924 0.934 0.943
0.835 0.845 0.854 0.864 0.873
85
0.861
0.771
0.860
0.780
0.858
0.788
86
0.870
0.780
0.869
0.789
0.867
0.797
87
0.880
0.790
0.879
0.799
0.877
0.807
88
0.889
0.799
0.888
0.808
0.886
0.816
89
0.898
0.808
0.897
0.817
0.896
0.826
0.857
0.797
0.856
0.806
0.854
0.814
0.866
0.806
0.865
0.815
0.864
0.824
0.876
0.816
0.875
0.825
0.874
0.834
0.885
0.825
0.885
0.835
0.884
0.844
0.895
0.835
0.894
0.844
0.893
0.853
0.905
0.845
0.904
0.854
0.903
0.863
0.914
0.854
0.913
0.863
0.913
0.873
0.924
0.864
0.923
0.873
0.922
0.882
0.933
0.873
0.933
0.883
0.932
0.892
0.853
0.823
0.852
0.832
0.851
0.841
0.863
0.833
0.862
0.842
0.861
0.851
0.873
0.843
0.872
0.852
0.871
0.861
0.883
0.853
0.882
0.862
0.881
0.871
0.892
0.862
0.892
0.872
0.891
0.881
0.902
0.872
0.901
0.881
0.901
0.891
0.912
0.882
0.911
0.891
0.911
0.901
0.922
0.892
0.921
0.901
0.921
0.911
1.00
1.01
1.02
1.03
1.04
1.05
0.850
0.850
0.850
0.850
0.849
0.848
0.860
0.860
0.860
0.860
0.859
0.858
0.870
0.870
0.870
0.870
0.869
0.868
0.880
0.880
0.880
0.880
0.879
0.878
0.890
0.890
0.890
0.890
0.889
0.889
0.900
0.900
0.900
0.900
0.899
0.899
0.910
0.910
0.910
0.910
0.909
0.909
1.06
1.07
1.08
1.09
1.10
0.847
0.846
0.845
0.844
0.843
0.857
0.856
0.855
0.855
0.854
0.867
0.867
0.866
0.865
0.864
0.878
0.877
0.876
0.875
0.875
0.888
0.887
0.886
0.886
0.885
0.898
0.897
0.897
0.896
0.895
1.11
1.12
1.13
1.14
1.15
0.842
0.841
0.840
0.840
0.840
0.853
0.852
0.851
0.851
0.851
0.863
0.862
0.862
0.862
0.862
0.874
0.873
0.872
0.872
0.872
0.884
0.884
0.883
0.883
0.883
1.16
1.17
1.18
1.19
1.20
0.840
0.840
0.840
0.839
0.838
0.851
0.851
0.850
0.850
0.849
0.862
0.862
0.861
0.860
0.860
0.872
0.872
0.872
0.871
0.870
1.21
1.22
1.23
1.24
1.25
0.837
0.836
0.836
0.835
0.834
0.848
0.847
0.847
0.846
0.845
0.859
0.858
0.858
0.857
0.856
1.26
1.27
1.28
1.29
1.30
0.833
0.833
0.832
0.831
0.830
0.844
0.844
0.843
0.842
0.842
1.31
1.32
1.33
1.34
1.35
0.829
0.829
0.828
0.827
0.826
1.36
1.37
1.38
1.39
1.40
0.826
0.825
0.824
0.824
0.823
0.92
0.93
0.94
0.95
0.96
0.97
0.98
0.99
95
0.954
0.864
0.953
0.873
0.953
0.883
96
0.963
0.873
0.963
0.883
0.962
0.892
97
0.972
0.882
0.972
0.892
0.972
0.902
98
0.981
0.891
0.981
0.901
0.981
0.911
99
0.991
0.901
0.991
0.911
0.991
0.921
0.943
0.883
0.942
0.892
0.942
0.902
0.952
0.892
0.952
0.902
0.951
0.911
0.962
0.902
0.962
0.912
0.961
0.921
0.971
0.911
0.971
0.921
0.971
0.931
0.981
0.921
0.981
0.931
0.981
0.941
0.990
0.930
0.990
0.940
0.990
0.950
0.932
0.902
0.931
0.911
0.931
0.921
0.941
0.911
0.941
0.921
0.940
0.930
0.951
0.921
0.951
0.931
0.950
0.940
0.961
0.931
0.961
0.941
0.960
0.950
0.971
0.941
0.970
0.950
0.970
0.960
0.980
0.950
0.980
0.960
0.980
0.970
0.990
0.960
0.990
0.970
0.990
0.980
0.920
0.920
0.920
0.920
0.920
0.919
0.930
0.930
0.930
0.930
0.930
0.929
0.940
0.940
0.940
0.940
0.940
0.939
0.950
0.950
0.950
0.950
0.950
0.949
0.960
0.960
0.960
0.960
0.960
0.959
0.970
0.970
0.970
0.970
0.970
0.970
0.980
0.980
0.980
0.980
0.980
0.980
0.990
0.990
0.990
0.990
0.990
0.990
0.908
0.908
0.907
0.906
0.906
0.918
0.918
0.917
0.917
0.916
0.929
0.928
0.928
0.927
0.927
0.939
0.938
0.938
0.938
0.937
0.949
0.949
0.948
0.948
0.948
0.959
0.959
0.959
0.958
0.958
0.969
0.969
0.969
0.969
0.969
0.980
0.979
0.979
0.979
0.979
0.990
0.990
0.990
0.990
0.990
0.895
0.894
0.894
0.894
0.894
0.905
0.905
0.904
0.904
0.904
0.916
0.915
0.915
0.915
0.915
0.926
0.926
0.926
0.926
0.926
0.937
0.937
0.936
0.936
0.936
0.947
0.947
0.947
0.947
0.947
0.958
0.958
0.957
0.957
0.957
0.968
0.968
0.968
0.968
0.968
0.979
0.979
0.979
0.979
0.979
0.989
0.989
0.989
0.989
0.989
0.883
0.883
0.882
0.882
0.881
0.894
0.894
0.893
0.893
0.892
0.904
0.904
0.904
0.903
0.903
0.915
0.915
0.915
0.914
0.914
0.926
0.926
0.925
0.925
0.924
0.936
0.936
0.936
0.936
0.935
0.947
0.947
0.947
0.946
0.946
0.957
0.957
0.957
0.957
0.957
0.968
0.968
0.968
0.968
0.968
0.979
0.979
0.979
0.979
0.978
0.989
0.989
0.989
0.989
0.989
0.870
0.869
0.869
0.868
0.867
0.881
0.880
0.880
0.879
0.878
0.892
0.891
0.890
0.890
0.889
0.902
0.902
0.901
0.901
0.900
0.913
0.913
0.912
0.912
0.912
0.924
0.924
0.923
0.923
0.923
0.935
0.935
0.934
0.934
0.934
0.946
0.945
0.945
0.945
0.945
0.957
0.956
0.956
0.956
0.956
0.967
0.967
0.967
0.967
0.967
0.978
0.978
0.978
0.978
0.978
0.989
0.989
0.989
0.989
0.989
0.856
0.855
0.854
0.854
0.853
0.867
0.866
0.865
0.865
0.864
0.878
0.877
0.877
0.876
0.876
0.889
0.888
0.888
0.887
0.887
0.900
0.900
0.899
0.899
0.898
0.911
0.911
0.910
0.910
0.909
0.922
0.922
0.921
0.921
0.921
0.933
0.933
0.933
0.932
0.932
0.944
0.944
0.944
0.944
0.943
0.956
0.955
0.955
0.955
0.955
0.967
0.967
0.966
0.966
0.966
0.978
0.978
0.978
0.977
0.977
0.989
0.989
0.989
0.989
0.989
0.841
0.840
0.839
0.839
0.838
0.852
0.852
0.851
0.850
0.850
0.864
0.863
0.862
0.862
0.861
0.875
0.874
0.874
0.873
0.873
0.886
0.886
0.885
0.885
0.884
0.898
0.897
0.897
0.896
0.896
0.909
0.909
0.908
0.908
0.907
0.920
0.920
0.920
0.919
0.919
0.932
0.931
0.931
0.931
0.931
0.943
0.943
0.943
0.942
0.942
0.955
0.954
0.954
0.954
0.954
0.966
0.966
0.966
0.965
0.965
0.977
0.977
0.977
0.977
0.977
0.989
0.989
0.989
0.988
0.988
0.837
0.837
0.836
0.835
0.835
0.849
0.848
0.848
0.847
0.846
0.861
0.860
0.859
0.859
0.858
0.872
0.872
0.871
0.871
0.870
0.884
0.883
0.883
0.882
0.882
0.895
0.895
0.895
0.894
0.894
0.907
0.907
0.906
0.906
0.906
0.919
0.918
0.918
0.918
0.917
0.930
0.930
0.930
0.929
0.929
0.942
0.942
0.941
0.941
0.941
0.954
0.953
0.953
0.953
0.953
0.965
0.965
0.965
0.965
0.965
0.977
0.977
0.977
0.976
0.976
0.988
0.988
0.988
0.988
0.988
100
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
1.41
1.42
1.43
1.44
1.45
85
0.822
0.821
0.821
0.820
0.819
86
0.834
0.833
0.833
0.832
0.831
87
0.846
0.845
0.845
0.844
0.843
88
0.858
0.857
0.857
0.856
0.855
89
0.870
0.869
0.869
0.868
0.867
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.881 0.893 0.905 0.917 0.929
0.881 0.893 0.905 0.917 0.929
0.880 0.892 0.904 0.916 0.928
0.880 0.892 0.904 0.916 0.928
0.880 0.892 0.904 0.916 0.928
1.46
1.47
1.48
1.49
1.50
0.819
0.818
0.817
0.817
0.816
0.831
0.830
0.829
0.829
0.828
0.843
0.842
0.842
0.841
0.840
0.855
0.854
0.854
0.853
0.853
0.867
0.866
0.866
0.865
0.865
0.879
0.879
0.878
0.878
0.877
0.891
0.891
0.890
0.890
0.890
0.903
0.903
0.903
0.902
0.902
0.915
0.915
0.915
0.914
0.914
1.51
1.52
1.53
1.54
1.55
0.815
0.815
0.814
0.813
0.813
0.828
0.827
0.826
0.826
0.825
0.840
0.839
0.839
0.838
0.838
0.852
0.852
0.851
0.851
0.850
0.864
0.864
0.863
0.863
0.863
0.877
0.876
0.876
0.875
0.875
0.889
0.889
0.888
0.888
0.888
0.901
0.901
0.901
0.900
0.900
1.56
1.57
1.58
1.59
1.60
0.812
0.811
0.811
0.810
0.809
0.824
0.824
0.823
0.823
0.822
0.837
0.836
0.836
0.835
0.835
0.850
0.849
0.848
0.848
0.847
0.862
0.862
0.861
0.861
0.860
0.875
0.874
0.874
0.873
0.873
0.887
0.887
0.886
0.886
0.886
1.61
1.62
1.63
1.64
1.65
0.809
0.808
0.807
0.807
0.806
0.821
0.821
0.820
0.820
0.819
0.834
0.834
0.833
0.833
0.832
0.847
0.846
0.846
0.845
0.845
0.860
0.859
0.859
0.858
0.858
0.872
0.872
0.872
0.871
0.871
1.66
1.67
1.68
1.69
1.70
0.806
0.805
0.804
0.804
0.803
0.818
0.818
0.817
0.817
0.816
0.831
0.831
0.830
0.830
0.829
0.844
0.844
0.843
0.843
0.842
0.857
0.857
0.856
0.856
0.856
1.71
1.72
1.73
1.74
1.75
0.802
0.802
0.801
0.801
0.800
0.816
0.815
0.815
0.814
0.813
0.829
0.828
0.828
0.827
0.827
0.842
0.842
0.841
0.841
0.840
1.76
1.77
1.78
1.79
1.80
0.800
0.799
0.798
0.798
0.797
0.813
0.812
0.812
0.811
0.811
0.826
0.826
0.825
0.825
0.824
1.81
1.82
1.83
1.84
1.85
0.797
0.796
0.796
0.795
0.794
0.810
0.810
0.809
0.809
0.808
1.86
1.87
1.88
1.89
1.90
0.794
0.793
0.793
0.792
0.792
1.91
1.92
1.93
1.94
1.95
1.96
1.97
1.98
1.99
2.00
95
0.941
0.940
0.940
0.940
0.940
96
0.953
0.952
0.952
0.952
0.952
97
0.964
0.964
0.964
0.964
0.964
98
0.976
0.976
0.976
0.976
0.976
99
0.988
0.988
0.988
0.988
0.988
0.927
0.927
0.927
0.927
0.926
0.940
0.939
0.939
0.939
0.939
0.952
0.951
0.951
0.951
0.951
0.964
0.964
0.963
0.963
0.963
0.976
0.976
0.976
0.976
0.975
0.988
0.988
0.988
0.988
0.988
0.914
0.913
0.913
0.913
0.913
0.926
0.926
0.926
0.925
0.925
0.938
0.938
0.938
0.938
0.938
0.951
0.951
0.950
0.950
0.950
0.963
0.963
0.963
0.963
0.963
0.975
0.975
0.975
0.975
0.975
0.988
0.988
0.988
0.988
0.988
0.900
0.899
0.899
0.899
0.898
0.912
0.912
0.912
0.911
0.911
0.925
0.924
0.924
0.924
0.924
0.937
0.937
0.937
0.937
0.936
0.950
0.950
0.949
0.949
0.949
0.962
0.962
0.962
0.962
0.962
0.975
0.975
0.975
0.975
0.975
0.987
0.987
0.987
0.987
0.987
0.885
0.885
0.884
0.884
0.884
0.898
0.898
0.897
0.897
0.897
0.911
0.910
0.910
0.910
0.910
0.923
0.923
0.923
0.923
0.922
0.936
0.936
0.936
0.936
0.935
0.949
0.949
0.949
0.948
0.948
0.962
0.962
0.961
0.961
0.961
0.974
0.974
0.974
0.974
0.974
0.987
0.987
0.987
0.987
0.987
0.870
0.870
0.870
0.869
0.869
0.883
0.883
0.883
0.882
0.882
0.896
0.896
0.896
0.895
0.895
0.909
0.909
0.909
0.908
0.908
0.922
0.922
0.922
0.921
0.921
0.935
0.935
0.935
0.935
0.934
0.948
0.948
0.948
0.948
0.947
0.961
0.961
0.961
0.961
0.961
0.974
0.974
0.974
0.974
0.974
0.987
0.987
0.987
0.987
0.987
0.855
0.855
0.854
0.854
0.853
0.868
0.868
0.868
0.867
0.867
0.881
0.881
0.881
0.880
0.880
0.895
0.894
0.894
0.894
0.893
0.908
0.908
0.907
0.907
0.907
0.921
0.921
0.921
0.920
0.920
0.934
0.934
0.934
0.934
0.933
0.947
0.947
0.947
0.947
0.947
0.960
0.960
0.960
0.960
0.960
0.974
0.974
0.974
0.973
0.973
0.987
0.987
0.987
0.987
0.987
0.840
0.839
0.839
0.838
0.838
0.853
0.853
0.852
0.852
0.851
0.866
0.866
0.866
0.865
0.865
0.880
0.879
0.879
0.879
0.878
0.893
0.893
0.892
0.892
0.892
0.906
0.906
0.906
0.906
0.905
0.920
0.920
0.919
0.919
0.919
0.933
0.933
0.933
0.933
0.932
0.947
0.946
0.946
0.946
0.946
0.960
0.960
0.960
0.960
0.959
0.973
0.973
0.973
0.973
0.973
0.987
0.987
0.987
0.987
0.986
0.824
0.823
0.823
0.822
0.822
0.837
0.837
0.836
0.836
0.836
0.851
0.850
0.850
0.850
0.849
0.864
0.864
0.864
0.863
0.863
0.878
0.878
0.877
0.877
0.877
0.892
0.891
0.891
0.891
0.890
0.905
0.905
0.905
0.904
0.904
0.919
0.918
0.918
0.918
0.918
0.932
0.932
0.932
0.932
0.931
0.946
0.946
0.945
0.945
0.945
0.959
0.959
0.959
0.959
0.959
0.973
0.973
0.973
0.973
0.973
0.986
0.986
0.986
0.986
0.986
0.808
0.807
0.807
0.806
0.806
0.821
0.821
0.820
0.820
0.819
0.835
0.835
0.834
0.834
0.833
0.849
0.848
0.848
0.848
0.847
0.863
0.862
0.862
0.861
0.861
0.876
0.876
0.876
0.875
0.875
0.890
0.890
0.889
0.889
0.889
0.904
0.904
0.903
0.903
0.903
0.918
0.917
0.917
0.917
0.917
0.931
0.931
0.931
0.931
0.931
0.945
0.945
0.945
0.945
0.944
0.959
0.959
0.959
0.958
0.958
0.973
0.972
0.972
0.972
0.972
0.986
0.986
0.986
0.986
0.986
0.791
0.791
0.790
0.790
0.789
0.805
0.805
0.804
0.804
0.803
0.819
0.819
0.818
0.818
0.817
0.833
0.833
0.832
0.832
0.831
0.847
0.846
0.846
0.846
0.845
0.861
0.860
0.860
0.860
0.859
0.875
0.874
0.874
0.874
0.873
0.889
0.888
0.888
0.888
0.887
0.903
0.902
0.902
0.902
0.902
0.916
0.916
0.916
0.916
0.916
0.930
0.930
0.930
0.930
0.930
0.944
0.944
0.944
0.944
0.944
0.958
0.958
0.958
0.958
0.958
0.972
0.972
0.972
0.972
0.972
0.986
0.986
0.986
0.986
0.986
0.789
0.788
0.787
0.787
0.786
0.803
0.802
0.802
0.801
0.801
0.817
0.816
0.816
0.815
0.815
0.831
0.830
0.830
0.830
0.829
0.845
0.845
0.844
0.844
0.843
0.859
0.859
0.858
0.858
0.858
0.873
0.873
0.872
0.872
0.872
0.887
0.887
0.887
0.886
0.886
0.901
0.901
0.901
0.901
0.900
0.915
0.915
0.915
0.915
0.915
0.930
0.929
0.929
0.929
0.929
0.944
0.943
0.943
0.943
0.943
0.958
0.958
0.957
0.957
0.957
0.972
0.972
0.972
0.972
0.972
0.986
0.986
0.986
0.986
0.986
101
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.01
2.02
2.03
2.04
2.05
85
0.786
0.785
0.785
0.784
0.784
86
0.800
0.800
0.799
0.799
0.798
87
0.814
0.814
0.814
0.813
0.813
88
0.829
0.828
0.828
0.828
0.827
89
0.843
0.843
0.842
0.842
0.842
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.857 0.872 0.886 0.900 0.914
0.857 0.871 0.886 0.900 0.914
0.857 0.871 0.885 0.900 0.914
0.856 0.871 0.885 0.899 0.914
0.856 0.870 0.885 0.899 0.914
2.06
2.07
2.08
2.09
2.10
0.783
0.783
0.782
0.782
0.782
0.798
0.797
0.797
0.797
0.796
0.812
0.812
0.811
0.811
0.811
0.827
0.826
0.826
0.826
0.825
0.841
0.841
0.840
0.840
0.840
0.856
0.855
0.855
0.855
0.854
0.870
0.870
0.869
0.869
0.869
0.885
0.884
0.884
0.884
0.883
0.899
0.899
0.898
0.898
0.898
2.11
2.12
2.13
2.14
2.15
0.781
0.781
0.780
0.780
0.779
0.796
0.795
0.795
0.794
0.794
0.810
0.810
0.809
0.809
0.809
0.825
0.824
0.824
0.824
0.823
0.839
0.839
0.839
0.838
0.838
0.854
0.854
0.853
0.853
0.853
0.869
0.868
0.868
0.868
0.867
0.883
0.883
0.883
0.882
0.882
2.16
2.17
2.18
2.19
2.20
0.779
0.778
0.778
0.777
0.777
0.793
0.793
0.793
0.792
0.792
0.808
0.808
0.807
0.807
0.807
0.823
0.823
0.822
0.822
0.821
0.838
0.837
0.837
0.837
0.836
0.852
0.852
0.852
0.851
0.851
0.867
0.867
0.867
0.866
0.866
2.21
2.22
2.23
2.24
2.25
0.776
0.776
0.775
0.775
0.774
0.791
0.791
0.790
0.790
0.790
0.806
0.806
0.805
0.805
0.805
0.821
0.821
0.820
0.820
0.820
0.836
0.836
0.835
0.835
0.835
0.851
0.851
0.850
0.850
0.850
2.26
2.27
2.28
2.29
2.30
0.774
0.774
0.773
0.773
0.772
0.789
0.789
0.788
0.788
0.787
0.804
0.804
0.803
0.803
0.803
0.819
0.819
0.819
0.818
0.818
0.834
0.834
0.834
0.833
0.833
2.31
2.32
2.33
2.34
2.35
0.772
0.771
0.771
0.771
0.770
0.787
0.787
0.786
0.786
0.785
0.802
0.802
0.801
0.801
0.801
0.817
0.817
0.817
0.816
0.816
2.36
2.37
2.38
2.39
2.40
0.770
0.769
0.769
0.768
0.768
0.785
0.785
0.784
0.784
0.783
0.800
0.800
0.800
0.799
0.799
2.41
2.42
2.43
2.44
2.45
0.768
0.767
0.767
0.766
0.766
0.783
0.783
0.782
0.782
0.781
2.46
2.47
2.48
2.49
2.50
0.765
0.765
0.765
0.764
0.764
2.51
2.52
2.53
2.54
2.55
2.56
2.57
2.58
2.59
2.60
95
0.929
0.928
0.928
0.928
0.928
96
0.943
0.943
0.943
0.943
0.942
97
0.957
0.957
0.957
0.957
0.957
98
0.971
0.971
0.971
0.971
0.971
99
0.986
0.986
0.986
0.986
0.986
0.913
0.913
0.913
0.913
0.913
0.928
0.928
0.927
0.927
0.927
0.942
0.942
0.942
0.942
0.942
0.957
0.957
0.956
0.956
0.956
0.971
0.971
0.971
0.971
0.971
0.986
0.986
0.985
0.985
0.985
0.898
0.898
0.897
0.897
0.897
0.912
0.912
0.912
0.912
0.912
0.927
0.927
0.927
0.927
0.926
0.942
0.941
0.941
0.941
0.941
0.956
0.956
0.956
0.956
0.956
0.971
0.971
0.971
0.971
0.971
0.985
0.985
0.985
0.985
0.985
0.882
0.882
0.881
0.881
0.881
0.897
0.896
0.896
0.896
0.896
0.911
0.911
0.911
0.911
0.911
0.926
0.926
0.926
0.926
0.926
0.941
0.941
0.941
0.941
0.940
0.956
0.956
0.956
0.955
0.955
0.970
0.970
0.970
0.970
0.970
0.985
0.985
0.985
0.985
0.985
0.866
0.866
0.865
0.865
0.865
0.881
0.880
0.880
0.880
0.880
0.896
0.895
0.895
0.895
0.895
0.911
0.910
0.910
0.910
0.910
0.925
0.925
0.925
0.925
0.925
0.940
0.940
0.940
0.940
0.940
0.955
0.955
0.955
0.955
0.955
0.970
0.970
0.970
0.970
0.970
0.985
0.985
0.985
0.985
0.985
0.849
0.849
0.849
0.848
0.848
0.864
0.864
0.864
0.864
0.863
0.879
0.879
0.879
0.879
0.879
0.895
0.894
0.894
0.894
0.894
0.910
0.909
0.909
0.909
0.909
0.925
0.925
0.924
0.924
0.924
0.940
0.940
0.940
0.939
0.939
0.955
0.955
0.955
0.955
0.954
0.970
0.970
0.970
0.970
0.970
0.985
0.985
0.985
0.985
0.985
0.833
0.832
0.832
0.832
0.831
0.848
0.848
0.847
0.847
0.847
0.863
0.863
0.863
0.862
0.862
0.878
0.878
0.878
0.878
0.877
0.894
0.893
0.893
0.893
0.893
0.909
0.909
0.908
0.908
0.908
0.924
0.924
0.924
0.924
0.923
0.939
0.939
0.939
0.939
0.939
0.954
0.954
0.954
0.954
0.954
0.970
0.970
0.969
0.969
0.969
0.985
0.985
0.985
0.985
0.985
0.816
0.815
0.815
0.815
0.814
0.831
0.831
0.830
0.830
0.830
0.846
0.846
0.846
0.846
0.845
0.862
0.862
0.861
0.861
0.861
0.877
0.877
0.877
0.876
0.876
0.892
0.892
0.892
0.892
0.892
0.908
0.908
0.908
0.907
0.907
0.923
0.923
0.923
0.923
0.923
0.939
0.938
0.938
0.938
0.938
0.954
0.954
0.954
0.954
0.954
0.969
0.969
0.969
0.969
0.969
0.985
0.985
0.985
0.985
0.985
0.799
0.798
0.798
0.797
0.797
0.814
0.814
0.813
0.813
0.813
0.830
0.829
0.829
0.829
0.828
0.845
0.845
0.844
0.844
0.844
0.861
0.860
0.860
0.860
0.860
0.876
0.876
0.876
0.875
0.875
0.892
0.891
0.891
0.891
0.891
0.907
0.907
0.907
0.907
0.906
0.923
0.922
0.922
0.922
0.922
0.938
0.938
0.938
0.938
0.938
0.954
0.953
0.953
0.953
0.953
0.969
0.969
0.969
0.969
0.969
0.985
0.984
0.984
0.984
0.984
0.781
0.781
0.780
0.780
0.780
0.797
0.796
0.796
0.796
0.795
0.812
0.812
0.812
0.811
0.811
0.828
0.828
0.827
0.827
0.827
0.844
0.843
0.843
0.843
0.843
0.859
0.859
0.859
0.859
0.858
0.875
0.875
0.874
0.874
0.874
0.891
0.890
0.890
0.890
0.890
0.906
0.906
0.906
0.906
0.906
0.922
0.922
0.922
0.921
0.921
0.937
0.937
0.937
0.937
0.937
0.953
0.953
0.953
0.953
0.953
0.969
0.969
0.969
0.969
0.969
0.984
0.984
0.984
0.984
0.984
0.763
0.763
0.763
0.762
0.762
0.779
0.779
0.778
0.778
0.778
0.795
0.795
0.794
0.794
0.794
0.811
0.810
0.810
0.810
0.809
0.826
0.826
0.826
0.826
0.825
0.842
0.842
0.842
0.841
0.841
0.858
0.858
0.858
0.857
0.857
0.874
0.874
0.873
0.873
0.873
0.890
0.889
0.889
0.889
0.889
0.905
0.905
0.905
0.905
0.905
0.921
0.921
0.921
0.921
0.921
0.937
0.937
0.937
0.937
0.936
0.953
0.953
0.953
0.952
0.952
0.968
0.968
0.968
0.968
0.968
0.984
0.984
0.984
0.984
0.984
0.761
0.761
0.761
0.760
0.760
0.777
0.777
0.777
0.776
0.776
0.793
0.793
0.793
0.792
0.792
0.809
0.809
0.809
0.808
0.808
0.825
0.825
0.824
0.824
0.824
0.841
0.841
0.840
0.840
0.840
0.857
0.857
0.856
0.856
0.856
0.873
0.873
0.872
0.872
0.872
0.889
0.888
0.888
0.888
0.888
0.905
0.904
0.904
0.904
0.904
0.920
0.920
0.920
0.920
0.920
0.936
0.936
0.936
0.936
0.936
0.952
0.952
0.952
0.952
0.952
0.968
0.968
0.968
0.968
0.968
0.984
0.984
0.984
0.984
0.984
102
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix C
Table MA – Table of Unlimited Loss and ALAE Insurance Charges
Entry
Ratio
2.61
2.62
2.63
2.64
2.65
85
0.760
0.759
0.759
0.758
0.758
86
0.776
0.775
0.775
0.774
0.774
87
0.792
0.791
0.791
0.791
0.790
88
0.808
0.807
0.807
0.807
0.806
89
0.824
0.823
0.823
0.823
0.823
Expected Unlimited Loss & ALAE Group
90
91
92
93
94
0.840 0.856 0.872 0.888 0.904
0.839 0.855 0.872 0.888 0.904
0.839 0.855 0.871 0.887 0.903
0.839 0.855 0.871 0.887 0.903
0.839 0.855 0.871 0.887 0.903
2.66
2.67
2.68
2.69
2.70
0.758
0.757
0.757
0.757
0.756
0.774
0.773
0.773
0.773
0.772
0.790
0.790
0.789
0.789
0.789
0.806
0.806
0.805
0.805
0.805
0.822
0.822
0.822
0.821
0.821
0.838
0.838
0.838
0.838
0.837
0.855
0.854
0.854
0.854
0.854
0.871
0.871
0.870
0.870
0.870
0.887
0.887
0.887
0.886
0.886
2.71
2.72
2.73
2.74
2.75
0.756
0.755
0.755
0.755
0.754
0.772
0.772
0.771
0.771
0.771
0.788
0.788
0.788
0.787
0.787
0.805
0.804
0.804
0.804
0.803
0.821
0.821
0.820
0.820
0.820
0.837
0.837
0.837
0.836
0.836
0.853
0.853
0.853
0.853
0.853
0.870
0.870
0.869
0.869
0.869
2.76
2.77
2.78
2.79
2.80
0.754
0.754
0.753
0.753
0.753
0.770
0.770
0.770
0.769
0.769
0.787
0.786
0.786
0.786
0.786
0.803
0.803
0.803
0.802
0.802
0.820
0.819
0.819
0.819
0.819
0.836
0.836
0.836
0.835
0.835
0.852
0.852
0.852
0.852
0.852
2.81
2.82
2.83
2.84
2.85
0.752
0.752
0.752
0.751
0.751
0.769
0.768
0.768
0.768
0.767
0.785
0.785
0.785
0.784
0.784
0.802
0.801
0.801
0.801
0.801
0.818
0.818
0.818
0.818
0.817
0.835
0.835
0.834
0.834
0.834
2.86
2.87
2.88
2.89
2.90
0.751
0.742
0.742
0.741
0.741
0.767
0.759
0.759
0.758
0.758
0.784
0.776
0.776
0.776
0.775
0.800
0.794
0.793
0.793
0.793
0.817
0.811
0.810
0.810
0.810
2.91
2.92
2.93
2.94
2.95
0.740
0.740
0.740
0.739
0.739
0.758
0.757
0.757
0.757
0.756
0.775
0.775
0.774
0.774
0.774
0.792
0.792
0.792
0.791
0.791
2.96
2.97
2.98
2.99
3.00
0.739
0.737
0.736
0.736
0.735
0.756
0.754
0.754
0.753
0.753
0.773
0.772
0.772
0.771
0.771
0.791
0.789
0.789
0.789
0.788
95
0.920
0.920
0.920
0.919
0.919
96
0.936
0.936
0.936
0.936
0.935
97
0.952
0.952
0.952
0.952
0.952
98
0.968
0.968
0.968
0.968
0.968
99
0.984
0.984
0.984
0.984
0.984
0.903
0.903
0.903
0.903
0.902
0.919
0.919
0.919
0.919
0.919
0.935
0.935
0.935
0.935
0.935
0.952
0.951
0.951
0.951
0.951
0.968
0.968
0.968
0.968
0.967
0.984
0.984
0.984
0.984
0.984
0.886
0.886
0.886
0.886
0.885
0.902
0.902
0.902
0.902
0.902
0.919
0.918
0.918
0.918
0.918
0.935
0.935
0.935
0.935
0.934
0.951
0.951
0.951
0.951
0.951
0.967
0.967
0.967
0.967
0.967
0.984
0.984
0.984
0.984
0.984
0.869
0.869
0.868
0.868
0.868
0.885
0.885
0.885
0.885
0.885
0.902
0.901
0.901
0.901
0.901
0.918
0.918
0.918
0.918
0.918
0.934
0.934
0.934
0.934
0.934
0.951
0.951
0.951
0.951
0.951
0.967
0.967
0.967
0.967
0.967
0.984
0.984
0.984
0.984
0.984
0.851
0.851
0.851
0.851
0.851
0.868
0.868
0.867
0.867
0.867
0.884
0.884
0.884
0.884
0.884
0.901
0.901
0.901
0.900
0.900
0.917
0.917
0.917
0.917
0.917
0.934
0.934
0.934
0.934
0.934
0.950
0.950
0.950
0.950
0.950
0.967
0.967
0.967
0.967
0.967
0.983
0.983
0.983
0.983
0.983
0.834
0.828
0.828
0.827
0.827
0.850
0.845
0.845
0.845
0.844
0.867
0.862
0.862
0.862
0.862
0.884
0.880
0.879
0.879
0.879
0.900
0.897
0.897
0.896
0.896
0.917
0.914
0.914
0.914
0.914
0.933
0.931
0.931
0.931
0.931
0.950
0.948
0.948
0.948
0.948
0.967
0.966
0.966
0.965
0.965
0.983
0.983
0.983
0.983
0.983
0.810
0.809
0.809
0.809
0.809
0.827
0.827
0.826
0.826
0.826
0.844
0.844
0.844
0.844
0.843
0.861
0.861
0.861
0.861
0.861
0.879
0.879
0.879
0.878
0.878
0.896
0.896
0.896
0.896
0.896
0.913
0.913
0.913
0.913
0.913
0.931
0.931
0.931
0.930
0.930
0.948
0.948
0.948
0.948
0.948
0.965
0.965
0.965
0.965
0.965
0.983
0.983
0.983
0.983
0.983
0.808
0.807
0.807
0.806
0.806
0.826
0.825
0.824
0.824
0.824
0.843
0.842
0.842
0.842
0.841
0.861
0.860
0.859
0.859
0.859
0.878
0.877
0.877
0.877
0.877
0.895
0.895
0.895
0.894
0.894
0.913
0.912
0.912
0.912
0.912
0.930
0.930
0.930
0.930
0.929
0.948
0.947
0.947
0.947
0.947
0.965
0.965
0.965
0.965
0.965
0.983
0.982
0.982
0.982
0.982
103
California Retrospective Rating Plan
Effective March xx, 2015
[This page was intentionally left blank.]
104
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
Appendix D
Expense-Related Rating Values
Appendix D
Expense-Related Rating Values
[To be filed by the insurer.]
105
California Retrospective Rating Plan
Effective January 1, 2013
Updated April 2, 2015
[This page was intentionally left blank.]
106
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
WC 04 05 01 E
(Ed. 01-15)
RETROSPECTIVE PREMIUM ENDORSEMENT
The standard premium you pay for the insurance coverage afforded by this policy and any other policy combined with this policy
for retrospective premium determination shall be modified in accordance with the provisions of our Workers’ Compensation
Retrospective Rating Plan authorized for use in California. The premium modified in accordance with the Plan is referred to as
retrospective premium.
1.
Elements in Development of Retrospective Premium
(a) Standard premium is the premium you would have paid if you had not chosen retrospective rating, with two exceptions.
Standard premium excludes premium discount and premium charges arising from the Terrorism Risk Insurance Act of
2002 as amended and extended by the Terrorism Risk Insurance Program Reauthorization Act of 2015, and as may be
amended in the future.
(b) Basic premium is a percentage of the standard premium. The basic premium is determined by multiplying the standard
premium by the basic premium factor. The basic premium factor is based on the expense ratio, the table of insurance
charges, and the per-accident loss limitation if one is shown in the schedule.
(c) Incurred losses are all amounts we pay plus our estimate of reserves to be paid for losses in connection with the policies
subject to this endorsement and include the amounts we expend and our estimates of amounts to be expended in the
defense of employers’ liability claims. Incurred losses do not include any losses directly arising from certified terrorism
losses, as defined by the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism Risk
Insurance Program Reauthorization Act of 2015, and as may be amended in the future, reported with a Catastrophe
Code assigned pursuant to the California Uniform Statistical Reporting Plan.
(d) You may elect incurred allocated loss adjustment expenses (ALAE) to be included with losses in the retrospective
premium calculation. ALAE is the expense we incur in connection with handling a claim which can be directly allocated
to that particular claim. ALAE does not include expenses incurred in connection with handling claims directly arising
from certified terrorism losses, as defined by the Terrorism Risk Insurance Act of 2002 as amended and extended by the
Terrorism Risk Insurance Program Reauthorization Act of 2015, and as may be amended in the future, reported with a
Catastrophe Code assigned pursuant to the California Uniform Statistical Reporting Plan.
(e) Converted losses are the incurred losses and, if elected, ALAE during the policy period for which this endorsement
applies, multiplied by the loss conversion factor shown in the schedule.
(f)
In addition to the above elements, you may elect to include a per-accident loss limitation. Per-accident loss limitation
means the amount of incurred loss and, if elected, ALAE to be included in the retrospective premium calculation is
limited to an amount called the per-accident loss limitation. The per-accident loss limitation applies separately to each
person who sustains bodily injury by disease and separately to all bodily injury arising out of any one accident.
The charge for this per-accident loss limitation is called the excess loss premium. Excess loss premium is a percentage
of standard premium multiplied by the loss conversion factor. The percentage is called the excess loss factor.
Excess loss premium factors vary by hazard group and by the amount of per-accident loss limitation. If you choose this
elective element, the loss conversion factor, the per-accident loss limitation and the excess loss factor are shown in the
schedule.
2.
Retrospective Premium
The retrospective premium shall not be less than the minimum retrospective premium, nor more than the maximum
retrospective premium, as determined by applying the minimum and maximum retrospective premium ratios as shown in the
schedule to the standard premium. Subject to these minimum and maximum amounts, the retrospective premium will be the
sum of (a) the basic premium and (b) converted losses, and (c), if a per-accident loss limitation is elected, the excess loss
premium. The sum of the basic premium and converted losses and, if applicable, the excess loss premium will be multiplied
by the tax multiplier.
1 of 4
107
WC 04 05 01 E
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
(Ed. 01-15)
3.
Computation of Retrospective Premium
Within six (6) months after the termination of this policy or any other policy combined with this policy for retrospective
premium determination, we shall make an audit of your records in order to compute the standard premium and the basic
premium.
Unless otherwise shown on the schedule, we shall determine the amount of the incurred losses as of the sixth month after
the month in which this policy terminates, unless this policy is combined with other policies for retrospective premium
determination, in which case we shall determine the amount of the incurred losses as of the sixth month after the month in
which the last policy in force terminates.
Within two (2) months after we have determined the basic premium and incurred losses, we shall make the first computation
of the retrospective premium.
If we have agreed that the first computation of the retrospective premium is the final computation, no further adjustment of
the retrospective premium will be made unless there is a clerical error in the calculation. In the absence of this agreement,
additional retrospective premium computations will be calculated at twelve (12) month intervals after the first computation
based on the latest evaluation of loss experience, unless otherwise shown in the schedule. When we have agreed that a
computation is the final computation, no other adjustment of the retrospective premium will be made unless there is a clerical
error in the calculation.
In the event that you are declared bankrupt or insolvent, make an assignment for the benefit of creditors, are involved in
reorganization, receivership or liquidation, or dispose of all your interest in work covered by the insurance, we may make a
special valuation of the retrospective premium. You will pay the amount due us if the retrospective premium is more than the
total standard premium as of the special valuation date.
4.
Payment of Premium
Prior to the first computation of the retrospective premium, you must pay us the premium due in accordance with the terms
and conditions which would apply if this policy were not subject to retrospective rating.
After each computation of retrospective premium, you will pay promptly the amount due us, or we will refund the amount due
you.
5.
Cancellation of the Policy
(a) Cancellation by you. If you cancel this policy or any other policy providing coverage pursuant to this retrospective rating
endorsement:
1.
The standard premium for this policy and for each policy combined with this policy for premium determination shall
be separately computed at short rates in accordance with our short-rate cancellation table authorized for use in
California. If we are not authorized to use a short-rate cancellation table, the standard premium shall be computed
on a pro rata basis.
2.
The sum of the short-rate standard premium for each policy shall be used to determine the basic premium.
3.
The sum of the short-rate standard premium for each policy will be the minimum retrospective premium.
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4.
The maximum retrospective premium will be determined by extending the standard premium for each policy providing
coverage pursuant to this endorsement, on a pro rata basis, to the original expiration date of the policy. The sum of
the extended standard premium of each policy is multiplied by the corresponding maximum retrospective premium
ratio found in the schedule.
(b) Cancellation by us. If we cancel the policy, the retrospective premium shall be computed on the basis of the standard
premium. However, in the event we cancel for non-payment of premium, the maximum retrospective premium shall be
determined in accordance with (a)(4) above.
Schedule
1.
Tax Multiplier
2.
Allocated Loss Adjustment Expenses are
“Included or Excluded”
3.
Loss Conversion Factor
4.
Per-Accident Loss Limit (if any)
5.
Risk Excess Loss Factor (if any)
6.
Other Policies Subject to this
Retrospective Premium Endorsement
7.
First Computation of Retrospective Premium will be based on losses valued as of
the sixth month after expiration of all policies subject to this endorsement.
(yes/no)
If no, specify
8.
Subsequent Computations of Retrospective Premium
will be made at twelve (12) month intervals after the first computation
(yes/no)
If no, specify
9.
Estimated Standard Premium subject to Endorsement
10.
Minimum Retrospective Premium Ratio
11.
Maximum Retrospective Premium Ratio
12.
Basic Premium Factor
The basic premium factor used to compute the retrospective premium will be based on the actual standard premium subject
to this endorsement. If the actual standard premium is within the range of the standard premium amounts shown below, the
basic premium factor will be obtained by linear interpolation. If the actual standard premium is not within the range shown
below, the basic premium factor will be recalculated.
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The standard premium amount shown in column (1) is _____ percent of the estimated standard premium, the
standard premium shown in column (2) is 100 percent of the estimated standard premium, and the standard premium
in column (3) is _____ percent of the estimated standard premium.
(1)
(2)
(3)
Standard Premium
Basic Premium Factor
Notes:
1.
Show the applicable tax multiplier, whether or not allocated loss adjustment expenses are to be included, and the loss conversion factor
in Items 1, 2, and 3 of the Schedule.
2.
If a per-accident loss limit has been selected, show the amount of the selected limit on line 4 and the excess loss factor on line 5. If no
per-accident loss limit was selected, enter “none” or other appropriate text on lines 4 and 5.
3.
Identify by policy number any policies to be combined with this one for retrospective rating in Item 6 of the Schedule. The other policies
should be endorsed with the Retrospective Premium Endorsement – Short Form to show that they are subject to this endorsement.
4.
Indicate on line 7 whether or not the first retrospective premium adjustment will be based on losses valued as of the sixth month
following expiration of all policies subject to the endorsement. If not, specify when losses will be valued for the initial adjustment.
5.
Indicate on line 8 whether or not subsequent retrospective adjustments, if any, will be made at 12-month intervals following the first
adjustment. If not, specify the time intervals between retrospective adjustments or other appropriate text.
6.
Show the estimated standard premium for all policies subject to this endorsement on line 9.
7.
Show the minimum retrospective premium ratio and the maximum retrospective premium ratio on lines 10 and 11, respectively.
8.
Show the basic premium factor at the estimated standard premium on line 12. Following line 12, show the smallest standard premium of
the selected range of amounts about the estimated standard premium in column (1), the estimated standard premium shown on line 12
in column (2), and the greatest standard premium of the range in column (3). Also show the basic premium factors corresponding to
those premium amounts in columns (1), (2), and (3). Additional columns for other standard premium amounts between the premium
amounts shown in columns (1), (2), and (3) and the basic premium factors corresponding to those premium amounts may be added
between columns (1) and (3).
9.
This endorsement has been approved for use with the California Retrospective Rating Plan (Advisory).
This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated.
(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)
Endorsement Effective
Insured
Policy No.
Insurance Company
Countersigned By
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Endorsement No.
1221 Broadway, Suite 900
Oakland, CA 94612
Voice 415.777.0777
Fax 415.778.7007
www.wcirb.com
[email protected]