Premium Reduction CenterDUNCAN FINANCIAL GROUP · KEYSTONE

The premium audit

The audit came back and you owe more than you planned for.

An audit bill can be right. It can also carry mistakes that nobody on your side was assigned to check, and once it's paid, getting money back is much harder.

Start a conversationThe Employer Success Program

Where audits usually go wrong

  • Payroll placed in a class code that doesn't match the work the person actually does.
  • Pay that shouldn't be counted, counted anyway.
  • Subcontractors charged even though they carried their own coverage, because the certificates weren't on file.
  • Officer or owner payroll above the state's limit.
  • Estimated payroll at the start of the year that never matched how the business actually grew.

None of that is anyone being careless on purpose. It's that the auditor works from what's in front of them, and most companies don't prepare for the audit at all.

Get ready before the next one

AuditCheck walks through what to have ready, the mistakes to look for, and the worksheets to use. It's free.

Get AuditCheck

Watch: problems with the payroll audit

Problems with the workers' comp premium payroll audit

Where the Employer Success Program comes in

It starts with a Diagnostic and Plan. We read your loss runs, your mod worksheet and your key contracts, and we talk with the people who run the work. You get the pattern behind your claims and a short list of what's worth fixing first.

From there our claims, HR, safety and fleet people work alongside yours, and you get a Score Card at the start and every year after, measured against your own starting point.

How the program works

Start with a conversation

Tell me what the audit came back at and what you expected. I read these myself and reply within two business days.