$1,200
Average employer overpays SUI by $1,200/year
State agencies miscalculate rates more often than you think. Most employers never check.
SUI Rate Management
Stop overpaying states. Your SUI rate might be wrong.
Kreto cross-references every employee’s wages against your state-assigned SUI rate. Discrepancies become protest letters in minutes.
The Problem
SUI overpayments are everywhere. Nobody checks.
45 min
CPAs spend 45 min per notice
Pulling payroll data, running rate calculations, drafting protest letters manually.
Dec-Jan
Rate notices arrive when CPAs are busiest
Year-end tax season collides with SUI rate notices. Deadlines get missed.
How Kreto Solves It
Six steps. From rate notice to protest letter.
One inbox for rate notices
Upload, email, or mail-forward SUI rate notices from any of the 50 states, year-round.
AI extracts rate
Our pipeline reads the notice, extracts the assigned rate, effective dates, and wage base.
Cross-reference wages
Payroll data comes from your uploaded reports. Every employee’s wages are matched to the rate calculation.
Compare experience rating
Kreto recalculates the experience rating from claims history and contribution records.
Generate protest letter
A ready-to-send protest letter is drafted with supporting evidence and state-specific formatting.
CPA reviews and approves
You review the draft, make any edits, and approve. Your name, your letterhead.
Coverage
What Kreto monitors
- Annual SUI rate schedules (50 states)
- Experience rating calculations
- Taxable wage base
- Voluntary contributions
- Trust fund solvency
- FUTA credit reduction states
Example in Action
Real scenario. Real savings.
Employer
Lyve Tech LLC · 75 employees · Ohio
Notice
2026 SUI rate assessment — 3.2% assigned
Finding
Rate should be 2.1% based on claims history
Discrepancy
$8,775/year overpayment
Result
Protest letter drafted in minutes
Stop overpaying. Upload a rate notice and see for yourself.
No credit card. Protest letter drafted in minutes.