Misclassification cost · per year
$3,000/yr
Wrong NCCI code
Employees classified under the wrong NCCI code pay higher premiums. Most never catch it.
Workers Compensation
Your workers comp premium might be 20% too high.
Most employers overpay workers compensation because of classification errors they never see. Kreto monitors your payroll against NCCI codes and catches overcharges before your next audit.
The Problem
Where employers lose money on workers comp
Failure modes
Premium impact
3 years
E-Mod errors compound
A single data error in the experience modification calculation inflates your rate for three consecutive years.
Year-end audit
Audit bill
Premium audit surprises
Year-end audits compare estimated vs. actual payroll. Misallocated payroll triggers surprise bills.
How Kreto Solves It
Automated workers comp verification
Connect your payroll data
Kreto ingests your payroll records and maps every employee to their NCCI classification code.
Automated classification audit
Our engine compares job titles, duties, and pay rates against correct NCCI class codes to flag mismatches.
E-Mod verification
Kreto recalculates your experience modification rate from source data and flags discrepancies with the bureau rate.
Premium audit preparation
Before your carrier audit, Kreto generates a payroll allocation report that matches your policy — no surprises.
What Kreto Monitors
Continuous compliance monitoring
- NCCI class codes for every employee
- Experience modification rate accuracy
- Payroll allocation across class codes
- Premium audit preparation readiness
- Return-to-work program compliance
Example in action
Real scenario: Ohio manufacturing employer
Employer
75 employees, Ohio
Issue Found
Clerical staff classified as manufacturing
Annual Overpayment
$4,200/year
Kreto identified that 8 clerical workers were classified under NCCI code 5403 (manufacturing) instead of 8810 (clerical). The rate difference was $2.40 per $100 of payroll. After reclassification, the employer saved $4,200 per year.
Stop overpaying workers comp premiums
Start your free trial and find out if your classifications are costing you money.