A service you might find useful, and should have a look at is Jim Moore's. Occasionally, I recommend firms my visitors and clients will find useful, and auditing your files is one of the BEST things you can do. Make sure your claims are administered according to your carriers best practices and reserving accuracy. Jim has an excellent understanding of claim administration practices. It's good to get an independent audit at least once every 3-4 years even if it's just at several offices/states of your current carrier. www.CutCompCosts.com If you are not satisfied with how your claims are being handled, this is a good first step to evaluate carrier and TPA performance. For more cost savings tips go to WC Cost Reduction Tips.