Blog
Disappointed with Your 2020 Group Retro Refund?
You’re not alone. Now that BWC is releasing the first Group Retro checks (and a few assessments) for the 2020 policy year, many Ohio employers are underwhelmed by the results. In the earlier days of Group Retro, it wasn’t unheard of to see refunds over 50%. Spooner certainly had its heyday in the program, with some of our industry groups reaching close to the maximum return of 63%. In the last ten years, we’ve seen several factors begin to chip away at these big returns: increased loss development factors, fewer premium dollars in pools due to Premium Size Factor Reductions, and more recently – the move to a new reserve calculating system called ACES. The first two changes caused average returns to dip into the 40% ranges, but huge reserves from ACES delivered a sucker punch that left only five of the best performing groups with returns over 40%. Five of the hardest-hit pools will receive an assessment, which means paying back anywhere between 15-25% of their 2020 premiums to BWC. All other groups in the middle of the best and worst averaged returns of less than 24%. For some, that’s less than half of their historical performance average.
We’ve been tracking the impact of ACES on Group Retro for a while now, and several TPAs (including Spooner) have voiced their concerns to BWC regarding the dwindling returns. While the complaints were taken under advisement, BWC chose to make such minor changes to the reserve calculations that the 2020 Group Retro outlook remained bleak. There’s been very little talk of this outside of the Spooner newsletters and blog, but it’s unpleasant whether your business saw it coming or not.
Spooner may not be able to fix what’s wrong with Group Retro right now, but we can offer solutions. For businesses that don’t qualify for Group Rating, Group Retro isn’t necessarily your only alternative. We’d be happy to provide a claims review & savings analysis of the other programs available to your business, and help you try to find the right fit. Just fill out our contact form and one of our consultants will be in touch with you right away!
Recruiting Services Now Available to Spooner Clients
Posted By Brandy King
November 17, 2025
Category: Recruiting, Hr, Hiring
Earlier this year, we added a seasoned recruiter to our growing team of experts! Samantha Lafollette comes to us with over ten years of experience in the staffing and recruiting industries and also serves as the Northeast Ohio Area Director of the Ohio Staffing & Search Association. SuretyHR’s recruiting services can be utilized by any of our clients trying to find the right candidates for open positions. We can help evaluate your needs, develop a job description and implement a recruiting plan, handle interview scheduling and assist your team in narrowing down the candidate pools. Our flexibility and competitive fee structure could be exactly what your organization needs to enhance your in-house resources and find the best person for the role. To learn more about our recruiting services, please contact Samantha LaFollette directly
Cleveland Bans Inquiries on Applicant Salary History
Posted By Brandy King
November 14, 2025
Category: Hr, Compliance, Human Resources, Payroll, Cleveland, Ohio, Hiring, Recruiting
Cleveland’s City Council approved a measure earlier this year prohibiting prospective employers from inquiring about an applicant’s salary history, and requires employers to include salary ranges in job postings. The new ordinance that became effective on October 27, 2025, applies to all Cleveland employers with 15 or more employees. The City of Cleveland is the latest of many municipalities (and even some states) across the U.S. that have passed similar laws in an effort to promote pay equity. Columbus passed a similar ordinance that took effect in 2024. Cleveland’s ordinance still permits discussing salary expectations with applicants, and doesn’t apply to applicants for internal transfer or promotion, salaries for positions set by collective bargaining agreements and governmental employers, other than the City of Cleveland itself. Considering the ordinance fails to define “salary range or scale,” complying with the new ordinance may leader employers to questions that don’t yet have answers. Employers found in violation of the ordinance may face civil fines up to $5000, depending on the number of violations within the last five years. If your business is based in the City of Cleveland and you have questions about how this may impact you, reach out to the SuretyHR team. If we aren’t able to directly answer your questions, we can engage our HR and legal partners to help you find the right
Year-End HR To-Do List
Posted By Brandy King
November 14, 2025
Category: Hr, Human Resources,
The final quarter of each year can be frustrating for HR departments and managers, as many companies choose to freeze their budgets this time of year. However, there are plenty of ways you can prepare for next year without much, if any, investment in 2025. Compliance: Make sure your organization has completed (and documented) required annual trainings, professional licenses are renewed, trade organization memberships renewed, etc. Review employee classifications, personnel files, etc. Compensation package review: Review pay structures for both hourly and salary, as well as benefits packages. You can use market comparisons, feedback from former employees’ exit interviews, and feedback from current employees to ensure you’re staying competitive. Remember: proactively paying employees what they’re worth is often easier (and less costly) than trying to match or beat a competitor’s offer to get them to stay put. Workforce Planning: Leadership should discuss potential for employee training for all levels of staff. Look back on the issues that have come up this year. What kind of knowledge and skills could help your staff avoid those pitfalls next year? Your local Chambers of Commerce, trade organizations, and consulting firms may have a lot more to offer than you realize! Employee Communication: Keep staff informed about important year-end info including benefit changes, holiday schedules, and tax documentation. It’s always a good idea to re
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Westlake, Ohio 44145
Phone: 440-249-5260 ext. 153
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