TREND ANALYSIS

Experience Modification Rates - EMR *1

Year *2	Rate	Type
2002	.93	Final
2003	.93	Final
2004	.90	Final
2005	.67	Final
2006	.66	Final
2007	.65	Final
2008	.63	Test Mod
National Average	1.02	*3

*1 EMR’s are promogated by NACIS, National Association of Compensation Insurers, based on information provided by Workers Compensation Insurance Carriers for the most recent three (3) years.
*2 Insurance Policy Years July 1 to June 30.
*3 National average EMR for all General Contractors as reported by Rutherfoord Insurance Brokers in 2006.


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
2002	3	1	1	3	0
2003	2	1	1	2	0
2004	6	1	0	5	0
2005	6	0	0	5	0
2006	5	0	0	5	0
2007	5	1	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
2003	362,889	1.1	5.0	.5	2.6
2004	497,646	2.4	5.7	.0	2.2
2005	462,666	2.2	6.4	.0	2.2
2006	438,964	2.2	5.3	.0	2.8
2007	457,980	2.1	5.9	.0	3.2

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