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Manual rates vs. composite rates

There are two different rates you'll come across when signing up for workers' compensation through Gusto:

  • Manual Rate: The manual rate (also know as the quoted rate) is the rate on your initial quote. It shows the estimated net amount prior to any fees, surcharges, taxes, and discounts from the state or carrier.
  • Composite Rate: The composite rate (also known as the billed rate) is the actual rate that is charged based on your payrolls processed through Gusto. It includes a blended amount of fees, surcharges, taxes, and discounts from the state or carrier based on each payroll.

AP Intego created a composite rate that includes all charges to provide you with a pay-as-you-go billing method. By having a composite rate, this should prevent you from owing additional money at the end of your policy term since it has already incorporated the various fees and surcharges based on your payrolls.

Questions and Answers

Q: Why is my composite rate different from my manual rate?
A: Your composite rate may be higher or lower than your manual rate based on your circumstances. If you have a credit modification and hefty discounts, you will likely have a lower composite rate than your manual rate.

Q: Where can I learn about additional fees within my policy?
A: The various fees are outlined in your workers' compensation proposal provided by AP Intego. If you received your quote and signed your workers' compensation forms within Gusto, this should be available in your Forms section.

If you can’t find this information, or if you did not go through the quoting process in Gusto, reach out to AP Intego at [email protected] for these details.

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