2012 ANNUAL REPORT HIGHLIGHTS
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1 1 A Message to Stakeholders in Review 10 Corporate Social Responsibility 2012 ANNUAL REPORT HIGHLIGHTS 12 Consolidated Condensed Financial Statements Stephen J. Klingel, CPCU, WCP President and CEO NCCI A MESSAGE TO STAKEHOLDERS Better times for the workers compensation industry have been too long in the making. In the past few years, the industry has struggled with the implications of a major recession, dramatic reductions in premium, and troubling rises in frequency and the combined ratio. In 2012, however, we began to witness the tenuous beginnings of a more favorable environment. Some of the more positive indicators include the industry s combined ratio, and claim frequency results that show a return to the historical downward trend. Further, and perhaps most significantly, we ve seen the rate of growth in workers compensation medical claim costs begin to decline. With medical costs making up some 60% of all claim costs, any shift toward better cost containment is a welcome development. What s driving the slower rate of growth in medical costs? The wide implementation of physician and hospital fee schedules, heightened attention to controlling prescription drug costs, and widespread adoption of formularies and professional treatment guidelines such as evidence-based medicine are all having a constructive effect. Yet despite the positive movement toward controlling medical costs, the industry still has impediments in its path to a full recovery. These include anticipated declines in investment returns and an uptick in reserve deficiencies. In short, the industry still has a ways to go and some challenges to overcome. 14 Board of Directors and Senior Management 15 NCCI s Values Statement NCCI is the nation s most experienced provider of workers compensation insurance information. We gather data, analyze industry trends, and prepare objective insurance rate and loss cost recommendations. These activities, together with our research, analytical services and tools, and overall commitment to excellence, help foster a healthy workers compensation system. Visit ncci.com.
2 Those challenges, as well as NCCI s reasons for being optimistic about the overall market direction, are fully detailed in our State of the Line report on ncci.com. I encourage you to read our comprehensive materials and view the videos from this year s Annual Issues Symposium. After so many years of poor industry performance, we are encouraged that the overall environment is improved at the midpoint of 2013, and we are optimistic that further progress is within reach. The 2012 in Review section of this report summarizes the workers compensation industry s environment and recaps the company s organizational highlights. As always, we continually strive to improve our internal operations and add value to our member companies and the industry. We appreciate your feedback and partnership, and we will be doing our very best to surpass your every expectation for NCCI s performance. Stephen J. Klingel, CPCU, WCP President and CEO Page 2
3 2012 ANNUAL REPORT HIGHLIGHTS 2012 IN REVIEW Industry Snapshot The workers compensation industry saw encouraging developments in The combined ratio for workers compensation showed a 6-point improvement to 109 Premium grew for the second consecutive year (+9%) Claim frequency declined significantly ( 5%) for the first time since 2009 Considerable uncertainty remains with regard to the expiration of the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) at the end of The implementation of the Affordable Care Act looms as a huge question mark for the line. For workers compensation industry participants that have experienced several difficult years, the positives listed above signify a welcome change. And while the indicated This outcome was achieved despite significant obstacles including a second and sometimes third round of increases in most states, a struggling economy, and the appointment of more than two dozen new insurance commissioners and accompanying staff. Similarly, the workers compensation residual market continues to be well managed and to operate efficiently. NCCI s management of workers compensation pools and plans met NCCI successfully gained approval of loss costs and rates averaging a variance of just 2/10 of 1% from our original indication; that far exceeded the Board of Directors established target of an average variance of under 2%. Claim severity increases remained modest (indemnity at +1%; medical at +3%) Yet even with these improvements, the industry continues to face significant hurdles. Though improved, the combined ratio is still too high. In fact, it has not been below 100 since Slow growth in employment, particularly in the manufacturing and construction sector, is impeding stronger premium growth, with overall unemployment hovering around 7%. The industry s reserve position continues to deteriorate (during 2012, reserves declined by another $2 billion). challenges remain a worry, most stakeholders will be happy to embrace the improved environment. Visit ncci.com for an in-depth workers compensation analysis. Taking Care of Business During 2012, NCCI was able to deliver effective results on behalf of our many stakeholders. As always, maintaining adequate loss costs remains the company s number one priority. In the most recent cycle, NCCI successfully gained approval of loss costs and rates averaging a variance of just 2/10 of 1% (0.2%) from our original indication. That number far exceeded the Board of Directors established target of less than 2% (<2.0%). the Board s goal of a 1% overall operating loss for the residual markets. This is critical to ensuring that the entire market stays healthy and competitive, and that we are vigilant in avoiding the large deficits that once burdened the competitive market. NCCI also continued to work cooperatively with Texas to reestablish its services in that state. This benefits many of the companies that write multistate exposures and are dependent on the efficiencies that a uniform system allows. In addition, NCCI successfully established and convened a new Underwriting Committee during The committee is charged with discussing key industry underwriting and classification topics, and working with NCCI to ensure that Page 3
4 NCCI also continues to enjoy a successful rollout of the new Medical Data Call. This multiyear effort now includes more than three dozen states, seven independent bureaus, and 157 carrier groups. the workers compensation infrastructure remains relevant and current. Improving the Experience Rating Plan On another front, NCCI successfully achieved full approval of a filing to improve the responsiveness of the Experience Rating Plan. This filing, known as the split point, was an important industry initiative for NCCI in The split point essentially determines the amount of a claim that is considered primary losses. The remaining dollars are considered excess losses. The last update to this split point was made two decades ago. Since then, the average cost of a claim has tripled. Because of this, the portion of each claim considered primary losses is much smaller than what it was 20 years ago. Consequently, the Plan formula has become less responsive. The new split point change is premium-neutral meaning that the average experience rating modification across all employers will not change due to an increase in the split point. The impact of the split point change will be risk-specific and will vary from risk to risk depending on individual risk loss experience. Understandably, such a broad change resulted in questions from some corners of the industry. NCCI effectively addressed those concerns through direct communications strategies, including quarterly Page 4
5 2012 ANNUAL REPORT HIGHLIGHTS regulatory teleconferences, newsletters, on-site visits, and NAIC meetings to support the approval process. To date, results of the split point change have been consistent with NCCI expectations. We believe the new formula will yield a more responsive plan that will ensure the Experience Rating Plan continues to fulfill its twin purposes of premium equity and encouraging loss prevention. Creating Outstanding Data Services NCCI s new Medical Data Call continues to be well received and offers promising benefits to the industry at large. This multiyear effort now includes more than three dozen states, seven independent bureaus, and 157 carrier groups. NCCI has received and is processing data on more than 120 million medical transactions. The new medical data not only supports legislative analysis of complex issues such as medical treatment guidelines, it is also providing critical information in support of key workers compensation research topics. Over the past year, NCCI published more than eight detailed research reports on topics such as prescription drug costs, industry fee schedules, an aging workforce, and more. This kind of thought leadership is a valuable service to the industry. In short, we are pleased with how this ambitious initiative has been managed and received to date, and we expect the expanded and more available medical data to result in better information and more informed decisions for many years to come. The management of the Medical Data Call reflects the high standards that NCCI demands in all of its data collection efforts and that attention to detail was evident again in Financial data availability was above target in 100% of states, and 99.2% of unit reports were available to be used in NCCI products and services by their due dates. This exceeds the company s target goals of 88% for Financial Calls and 97% for unit reports. In fact, the unit data results were the best ever. And, despite tighter industry editing standards, new validation tests, and additional compliance programs, data providers gave the company the highest satisfaction survey numbers in its history. Driving Thought Leadership One important use of the data that NCCI collects is the ongoing publication of cutting-edge research. In 2012, NCCI continued to leverage its unique position in data collection and analysis to create tangible and usable research. Over the past year, NCCI published more than eight detailed research reports on topics such as prescription drug costs, industry fee schedules, an aging workforce, and more. This kind of thought leadership is a valuable service to the industry and to our membership. It drives our understanding of underlying cost drivers and highlights aspects of the system that could impact workers compensation results. Operating With Fiscal Discipline One of the key metrics for judging the success of this effort is that the Page 5
6 company continues to be managed in a fiscally conservative and responsible manner and in 2012, NCCI was again able to maintain its secure financial position. In fact, the company came in well ahead of its financial goals for the year, with expenses below budget by $2.6 million, or 1.7%. Moody s Investment Services affirmed NCCI s A2 credit rating. This investment grade credit rating continues to demonstrate the company s financial self-sufficiency, and facilitates access to the capital markets in support of NCCI s mission. In its rating summary, Moody s noted that one of NCCI s strengths is its proactive management team possessing a strong command of the organization s financial position and demonstrating solid fiscal stewardship. NCCI s management and Board of Directors take seriously their obligation to serve as fiscal stewards for the organization. That obligation continues into 2013, and the entire management team is working to ensure that financial stability and accountability remain a top priority. Improving the Infrastructure Appropriate fiscal management includes effectively managing investments in improved infrastructure, the tools and processes that help NCCI run smoothly. Over the past several years including 2012 NCCI made significant investments to augment our information technology (IT) services. These IT improvements help to drive the vital data collection and communication efforts that NCCI provides on behalf of the industry. NCCI s robust team of IT experts continues to successfully deploy technological solutions that lead to increased customer satisfaction. Examples include: Improving online tools (e.g., Riskworkstation) Enhancing our online reference library Broadening methods for searching NCCI circulars Maintaining proper disaster recovery and remote application tools Adding new webinars and other online educational pieces Adding to Customer Satisfaction and Engagement NCCI s goal to provide and support superior products, services, and data reporting tools reflects our commitment to deliver an excellent customer experience throughout the organization. A key part of that service is the in-person customer visits that NCCI executives and employees engage in each year. In addition to dozens of in-state legislative and regulatory visits from our state relations executives, NCCI s Affiliate Services Executives In its rating summary, Moody s noted that one of NCCI s strengths is that its proactive management team possesses a strong command of the organization s financial position and demonstrates solid fiscal stewardship. Page 6
7 2012 ANNUAL REPORT HIGHLIGHTS made nearly 500 in-person carrier visits during These visits are enhanced by NCCI s regional open houses and our ongoing educational meetings, such as the State Advisory Forums, our annual Data Educational Programs, our annual Assigned Carrier Conference and, of course, our Annual Issues Symposium. To measure the effectiveness of our customer outreach efforts, NCCI regularly surveys customers directly for their feedback on the value of our services and suggestions for improvement. Overall customer satisfaction, carriers 9.15 Overall customer satisfaction, agents 9.03 Carrier executive rating of NCCI s value 8.80 Regulatory value rating 9.02 While the survey scores remain high, there is an included opportunity commentary in each customer survey that is always evaluated for action. During 2012, our customers reported a high level of customer satisfaction with the value of NCCI services and communications. With scores measured on a scale of 1 10, some of NCCI s 2012 feedback included: Page 7
8 The Annual Issues Symposium (AIS), the industry s premier event for senior workers compensation executives, represents the company s key brand characteristics of excellence, industry knowledge, and credibility. Updating Our Brand During 90 years of service to the workers compensation industry, NCCI has built a tremendous brand as the nation s top workers compensation resource. In 2012, we acted to update and protect our brand identifiers and visual elements consolidating disparate logos into one distinctive look, and reaffirming our brand characteristics companywide. One result is a more refined look for all NCCI communications, including an upcoming refresh of our online presence at ncci.com. Further, our employees have embraced the concept that the NCCI brand represents a promise of extraordinary value a promise that accurately reflects the core values of our organization. A significant demonstration of the NCCI brand can be found in the company s Annual Issues Symposium (AIS). Attendance at our yearly workers compensation conference continues to grow each year, underlining the perceived value of such NCCI presentations as the President s Message, our State of the Line Report, and our highlighted research findings. A majority of AIS attendees consistently rate the conference as the most valuable industry meeting they attend each year, and 100% of attendees would recommend AIS to other industry professionals. NCCI has won a platinum Hermes Creative Award in an international competition for its branding initiative. The new look can be seen on websites, newsletters, PowerPoint templates, stationery, and product collateral. Page 8
9 2012 ANNUAL REPORT HIGHLIGHTS Attracting the Best People With a professional staff of more than 900, NCCI employs some of the top talent in all fields, including actuarial, economic, and technical positions. As such, creating an environment that retains our skilled personnel is a key management objective. In 2012, NCCI retained 97% of our highest performing employees, helping to control costs and ensuring that NCCI stakeholders can maintain relationships with employees who are trained and knowledgeable in their roles. We remain committed to attracting, developing, and retaining the types of knowledgeable and skilled employees who can provide the services, tools, and knowledge required to support the industry. The Year Ahead Looking forward to the rest of 2013 and beyond, we are witnessing some indications of a more positive industry outlook and we remain optimistic that the recovery will continue. Building the company s reputation for thought leadership Maintaining fiscal discipline and best management practices In 2013, NCCI s continuing goal is to provide excellence in those industry services that help maintain a healthy workers compensation insurance market; one that is able to deliver promised benefits to injured workers quickly, fairly, and affordably. Looking forward to the rest of 2013 and beyond, we are witnessing some indications of a more positive industry outlook and we remain optimistic that the recovery will continue. As that happens, NCCI remains focused on delivering outstanding services in support of the industry. Employee development plays an active role in both retention and customer service. In 2012, NCCI offered a number of training opportunities, including courses in project management and technology, conducting crucial conversations, and leadership. Additionally, nearly 60 NCCI employees received tuition reimbursement to continue college studies, while still more were encouraged to attend industry seminars and conferences and to maintain professional certifications. As that happens, NCCI remains focused on delivering outstanding services in support of the industry, specifically: Ensuring the adequacy of loss costs and rates across all NCCI jurisdictions Collecting timely, high-quality, and relevant data for use in core services Effectively managing the residual markets Delivering highly accurate legislative pricing Page 9
10 CORPORATE SOCIAL RESPONSIBILITY At NCCI, the Corporate Social Responsibility Program embraces the communities in which we live and work, the people who comprise our employee family, the ethical business practices that guide our actions, and the environment we seek to respect. NCCI President and CEO Steve Klingel joins Lynn University President Dr. Kevin Ross at the opening of the University s political history exhibit sponsored, in part, by NCCI. Working for a better future No one can change the world alone. NCCI works closely with schools, charitable organizations, and business groups to strengthen our communities. We strive to improve education, assist those in need, foster research, and conserve natural resources. Community Throughout the year, employees tackle activities ranging from fundraising walks to bowl-a-thons to teaching classes. Through NCCI s Volunteer Time-Off program, employees donated more than 2,800 volunteer hours to their communities. NCCI collaborated with United Way, March of Dimes, Junior Achievement, PACE Center for Girls, American Red Cross, the YMCA, the Chamber of Commerce, SOS Children s Village, and many more to build stronger communities. The company also supported the three-month-long political history exhibit at nearby Lynn University, site of the 2012 Presidential Campaign debate. The exhibit, visited by thousands of school children, featured vintage campaign buttons, inauguration medallions, voting machines, and other election memorabilia. People At NCCI, management s role is more than just supervisory. It focuses on providing challenging and interesting projects to employees, encouraging ongoing training and opportunities, and creating employee events to foster fun in the workplace while supporting healthy, balanced lives. NCCI helps to create a skilled and engaged workforce through teamwork and communication. Twice a year, an all-employee town hall meeting provides business updates and answers to employee questions from senior staff. Six times a year, President Steve Klingel sits down with nine employees from varied divisions to chat informally about topics of interest to them. The chance to talk to the President directly was a great experience. Keep doing this. I am the only person I know that works in a company where this is done. This is an opportunity that all employees should have. Page 10
11 It was all about teamwork for these NCCI employees during the Corporate Cup Challenge. Employees participate in one of four games during the fundraising competition for SOS Children s Villages, which provides stable homes for foster children. Practices All of our business practices are guided by our Code of Business conduct, the cornerstone of the company s compliance commitment to open, ethical, and honest business practices. During 2012, every employee completed three compliance courses: Compliance at NCCI an overview of recent updates to our Compliance Program, policies, and intranet sites NCCI Security: Our Shared Obligation a detailed explanation of our individual security responsibilities with many practical examples of how to continue to keep our data secure Sexual Harassment Training For employees: Civil Treatment Impact: Focus on Sexual Harassment Prevention For managers: Managing a Harassment-Free Workplace Environment NCCI now uses natural gas to power its water heaters, kitchen equipment, and an outside grill. Reduced exhaust emissions and fuel costs are just a couple of the benefits. In addition, we have the ability to use natural gas or diesel fuel to power the emergency generators. Natural gas is a cleaner, more plentiful, secondary source of emergency fuel. At the Annual Issues Symposium, we partnered with the Clean the World organization to collect and recycle nearly 500 bars of gently used soap and bottled amenities, which were distributed to families in a developing country to help prevent the spread of disease. 3rd Position captured by Team NCCI in the Mercedes-Benz Corporate Run, where nearly 100 employees competed in the 5K race. 5th NCCI s ranking for United Way of Palm Beach County s Annual Campaign The number of degrees by which NCCI s roof temperature will be reduced after completion of our UV-reflective insulation project. Expected annual savings: tens of thousands of dollars in cooling costs. 86 Average number of employees using the on-site fitness facility daily. 150 Number of pajama sets collected by employees for children uprooted from their homes by disaster or domestic violence. An employee takes advantage of the Volunteer Time-Off program by teaching sign language to children. Page 11
12 Consolidated Condensed Balance Sheets NCCI Holdings, Inc. and Subsidiaries December 31, 2012 and 2011 (in thousands) ASSETS Current assets $ 61,987 $ 67,749 Property and equipment net 61,750 66,201 Investment securities Deferred compensation plans 9,990 8,442 Investment securities Held to maturity 13,167 8,181 Goodwill 5,850 5,850 Deferred income tax asset 10,211 6,468 Other assets 3,301 2,008 TOTAL $166,256 $164,899 LIABILITIES AND MEMBERS EQUITY LIABILITIES: Current liabilities $ 28,164 $ 28,003 Accrued postretirement benefit obligation 32,857 32,652 Senior unsecured notes 55,000 55,000 Other noncurrent liabilities 13,476 11,037 Total Liabilities 129, ,692 MEMBERS EQUITY: Members capital contribution 10,053 10,053 Retained earnings 40,897 40,882 Accumulated other comprehensive loss (14,191) (12,728) Total Members Equity 36,759 38,207 TOTAL $166,256 $164,899 A full financial report, including an audited statement, is available for members on ncci.com. Page 12
13 Consolidated Condensed Statements of Operations NCCI Holdings, Inc. and Subsidiaries For the Years Ended December 31, 2012, 2011, and 2010 (in thousands) Years Ended December NET SALES $ 154,489 $ 153,219 $ 147,161 OPERATING EXPENSES: Salaries and payroll taxes 90,304 86,137 87,361 Employee postretirement benefits 22,394 22,193 21,290 Depreciation and amortization 11,400 11,003 11,784 Computer hardware and software expenses excluding depreciation 9,348 8,987 8,338 Occupancy expenses excluding depreciation 4,640 4,735 5,262 Other operating expenses 14,371 15,161 15,777 Total Operating Expenses 152, , ,812 INCOME (LOSS) FROM OPERATIONS 2,032 5,003 (2,651) INTEREST (EXPENSE) AND OTHER INCOME (1,527) 757 (1,918) INCOME (LOSS) BEFORE INCOME TAXES 505 5,760 (4,569) INCOME TAX (BENEFIT) PROVISION 490 2,324 (1,620) NET INCOME (LOSS) $ 15 $ 3,436 $ (2,949) Consolidated Condensed Statements of Cash Flows NCCI Holdings, Inc. and Subsidiaries For the Years Ended December 31, 2012, 2011, and 2010 (in thousands) Years Ended December Operating Activities Cash Flows Net sales received $158,589 $149,603 $146,223 Employee salaries and benefits paid (116,269) (108,390) (113,747) Other operating activity cash flows, net (27,841) (28,704) (26,600) Cash flows from operating activities 14,479 12,509 5,876 Investing Activities Cash Flows Purchases of property and equipment (2,697) (5,385) (4,904) Capitalized internally developed software (4,174) (5,165) (3,430) Purchases of investment securities (16,480) (10,613) (10,232) Maturities and sales of investment securities 7,489 5,352 2,500 Other cash used in investing activities, net 1 1,734 Net cash used in investing activities (15,861) (15,811) (14,332) Net Decrease in Cash and Cash Equivalents (1,382) (3,302) (8,456) Cash and Cash Equivalents Beginning of Year 36,602 39,904 48,360 Cash and Cash Equivalents End of Year $35,220 $ 36,602 $ 39,904 Page 13
14 NCCI S BOARD OF DIRECTORS (AS OF MAY 2013) SENIOR MANAGEMENT (AS OF MAY 2013) Elizabeth R. Haar Board Chair President and CEO Accident Fund Holdings, Inc. William (Rob) R. Berkley Jr. President and Chief Operating Officer W. R. Berkley Corporation C. Allen Bradley, Jr. Chairman and CEO Amerisafe, Inc. Laurence A. Hubbard President and CEO Montana State Fund Russell Huffer Retired Chairman CEO Apogee Enterprises, Inc. Russell M. Johnston Casualty Product Line Executive US and Canada AIG Barbara A. Klein Former Senior VP, Chief Financial Officer CDW Corporation Michael F. Klein EVP, President Middle Market Travelers Co. Stephen J. Klingel President and CEO NCCI Holdings, Inc. George M. Reider, Jr. Former Connecticut Insurance Commissioner and former NAIC President Tracy A. Ryan Executive Vice President and Chief Product Officer Commercial Insurance Liberty Mutual Insurance John Schapperle President and COO Island Insurance Company, Ltd. Gary Thompson Executive VP Commercial Markets The Hartford Kristin W. Wall President and CEO The Louisiana Workers Compensation Corporation Stephen J. Klingel President and Chief Executive Officer Cheryl L. Budd Chief Communications Officer Terrence D. Delehanty General Counsel and Chief Legal Officer Alfredo T. Guerra Chief Financial Officer Bradley Kitchens Chief Human Resources Officer Dennis Mealy Chief Actuary Mark Mileusnic Chief Customer Operations Officer Michael Spears Chief Information Officer and Chief Data Officer Helen J. Westervelt President Regulatory Services Division Ernest J. Mrozek Retired Vice-Chairman and President The ServiceMaster Company Page 14
15 NCCI S VALUES STATEMENT The following ethical and performance values guide our behavior and decision making at NCCI. We believe that the commitment of each employee to these values will continue to make NCCI a success. Integrity Our actions are guided by the principles of honesty, fairness, and professionalism. We abide by all laws, regulations, and corporate policies. We foster an open environment and behave ethically in all we do. Respect We show consideration for all people, value the differences among us, and deal with each other in a courteous way. Quality and Excellence We strive constantly to improve our processes and products to remain the industry s unimpeachable source for accurate, objective workers compensation information. We draw upon our individual strengths and collaborate to consistently meet and exceed the highest expectations of our stakeholders. Responsibility We honor our commitments and are personally answerable for our actions. We actively give back to the communities in which we live and work. Commitment We are driven to achieve our business objectives. We exhibit passion, focus, and intensity of effort in our work while simultaneously striving to achieve work/life balance. Page 15
16 901 Peninsula Corporate Circle Boca Raton, FL NCCI-123 ( ) ncci.com Copyright 2013 NCCI Holdings, Inc. All Rights Reserved.
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