Gossard & Associates, Inc.

OGSERP Discount: 4% for 7/1/2011-6/30/2012
Mike Niderost, President
PO Box 454 or 3485 West First Street, Eugene OR  97401
P: 541.343.2910  F: 541.342.5008

Eligibility Criteria

• Must have an annual standard premium of greater than $2,500
• Be a member in good standing of the association (dues paid current)
• Earned experience rating 1.00 or less (non-rated accounts for which an exception is being requested require referral to an underwriter)
• Three year base period incurred loss ratio less than 40% (current year losses should be considered)
• Three year base period frequency of business operations less than SAIF average frequency for the principal class for accounts newly enrolling in the group*
• Three year base period frequency of business operations less than 1.5 times the SAIF average frequency for the principal class for current group members renewing in the group*
• Underwriters have judgment authority for approving group pricing

* SAIF calculates an average expected claim frequency (per $100 payroll) for each class effective January 1 each year using the expected frequency for the year that corresponds to the effective date of the policy year being priced.

Principal Class Codes

*For class codes 2702 and 9310, premium size must be over $80,000 and ER Mod must be less than .85 G&A and SAIF have agreed to allow selected accounts to enroll in the G&A group who may not necessarily be affiliated with the wood products industry. This initiative is the result of our support of G&A's desire to offer their focused association services to larger employers with similar business tenets to G&A, irrespective of industry affiliation.

As a result of the OGSERP rules 50% provision and G&A's business plan, G&A and SAIF will be very selective in our joint decision to enroll non-wood products employers in the G&A group. To that end we have developed an employer profile, focused marketing strategies and a specialized underwriting process to help ensure success.