Glossary · Compliance
Experience Modification (E-Mod / X-Mod)
A multiplier applied to workers' compensation premium that reflects an employer's claims history relative to industry peers.
The Experience Modification factor (E-Mod or X-Mod) is calculated by NCCI or state rating bureaus and applied to standard workers' compensation premium. A factor of 1.00 is industry-average. Below 1.00 indicates better-than-average loss experience; above 1.00 indicates worse.
Moving into a PEO can change effective comp economics because the PEO's policy and rating typically apply. Brokers should always model comp under both the standalone E-Mod and the PEO program when running a comparison.
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