TREND ANALYSIS

Experience Modification Rates - EMR *1

Year *2	Rate	Type
2009	.74	Final
2008	.70	Final
2007	.65	Final
2006	.66	Final
2005	.67	Final
National Average	.92	*3

*1 EMR’s are promogated by National Council on Compensation Insurance, NCCI, based on information provided by Member Insurance Carriers, for the most recent three (3) years.
*2 VIRTEXCO's Insurance Policy Years July 1 to June 30.
*3 National average EMR for all General Contractors as reported by Westfield Insurance in 2009.


Summary Of Work Related Injuries & Illnesses

Based on OSHA 300A and 200A information.

Year	Recordable Cases	Job Transfer or Restriction Cases	Lost Workday Cases	Total Job Related Injuries	Total Job Related Illnesses
2009	5	0	0	5	0
2008	2	2	0	2	0
2007	5	1	0	5	0
2006	5	0	0	5	0
2005	6	0	0	5	0

Summary Of Incident Rates

OSHA devised Incident Rates to level the playing field between employers with varying work hours and classes of work, i.e. NAICS or SIC Codes. The formula is the number of incidents multiplied by 200,000, divided by the number of work hours equals the incident rate.

Last Five Years	Total Work hours by all VIRTEXCO employees	VIRTEXCO Recordable Incident Rate RIR	National Average *4 RIR	VIRTEXCO Lost Time Incident Rate LTIR	National Average *4 LTIR
2009	416,250	2.4	4	0	2.1
2008	481,132	.8	4.5	0	2.3
2007	457,980	2.1	5.9	0	3.2
2006	438,964	2.2	5.3	0	2.8
2005	462,666	2.2	6.4	0	2.2

*4 Current National Rate – NAICS Code 236 (old SIC Code 1541) Construction of Buildings, as published by U. S. Government.

Federal, State and OSHA Citations Within The Last Five Years