workers' comp, rectified

Insurers audit you. Who audits them?

Rectifi checks every workers' comp bill your PEO pays: premium audits, experience mods and deductible invoices. It finds what's wrong, ties it to the client that caused it, and drafts the fix.

Book a call → See it work

Launching with PEOs in California

Final audit · Hollister Roofingsample review
Roofing crew (11)5551$528,000$97,680✓
Office manager55518810$61,000$11,285$183✕
Estimator8810$76,000$228✓
Overtime, extra half5551excl.$9,000$1,665$0✕
Overcharge found on this client$12,767
5551 roofing at $18.50 per $100 · 8810 clerical at $0.30 per $100
what a review turns up

What one review can turn up.

One sample PEO review, sorted by where the money leaks out.

Premium audit$15,080

  • Office manager rated as a roofer

    55518810$11,102

  • Insured subcontractors charged as payroll

    chargedexclude$3,978
Experience mod$92,000/yr
0.97corrected from 1.20
0.701.00 avg1.40
Your mod multiplies every premium dollar, for 3 years

  • Closed claim still at its old value

    $48k → $9.4k

  • Another employer's claim on your mod

    removed
Deductible invoices$38,000

  • Same surgery billed in July and August

    2 charges1$14,000

  • Billed past the $250k deductible

    $274k$250k$24,000
Client billing$30,242/yr

  • Renewal rates never loaded

    20.3523.32$17,493/yr

  • Office worker billed at the field rate

    21.200.30$12,749/yr
Found in one review$175,322one-time recoveries plus yearly savings
see it work

Watch Rectifi go through a PEO's bills.

Four things it does in minutes that take a risk team days. Click a step or let it play.

rectifi · Harborline PEOsample workspace
2025-26_final_audit.pdf · 3 pages3 pages · 11 values · 5 to confirm
Coastal Electric5190 · $523,000 × 6.40
97%
Coastal Electric5190 · $12,500
subcontractor
Redwood Drywall5445 · $6,500
severance
total_payroll$3,180,200
99%
amount_due$32,899.87
99%

EXPERIENCE MOD · WCIRB worksheet vs loss run

CLAIMON WORKSHEETON LOSS RUN
C-1041$85,000$85,000matches
C-1077$48,000$9,400 closedtoo high
C-1115$12,500 ×2$12,500counted twice
C-0988$31,000not foundnot yours
C-1130$64,000$64,000matches
1.200.97
$92,000 / yrlower premium if corrected

DEDUCTIBLE INVOICES · Pacific Claims Administrators

INV-2607July
Valley Ortho SurgeryC-1041 · service 06/20
$14,000
Temporary disabilityC-1041
$4,200
Physical therapyC-1130
$1,800
INV-2608August
Valley Ortho SurgeryC-1041 · service 06/20
$14,000
Temporary disabilityC-1041
$4,200
Bay Spine ClinicC-1077 · closed in March
$950
Billed twice · $14,000
Same payee, same service date, same amount, two invoices.
+ $950 billed after the claim closed
Credit request drafted to Pacific Claims Administrators$14,950

DISPUTE · approve, send, track

Strong caseExperience mod
Claim C-1077 is reported at $48,000 but closed at $9,400

Closed claims with final payments are the easiest to win. Send the loss run and closing documents.

$26,448.98 a year
To: [Carrier name] Re: Request to correct experience rating data Claim C-1077 is valued at $48,000.00 on the worksheet, but our loss run shows $9,400.00 at closing. Please submit a corrected unit report and recalculate the modification.
Ready→ Sent→ Accepted $26,448.98saved per year
what we check

Four places money leaks out of a PEO.

Every check runs on plain, auditable rules, so each number traces back to a line on a document.

Premium audits

01 / audits

Every line of the final audit against your payroll and the rating rules, including past years you can still dispute.

  • Office staff charged in field codes
  • Overtime, severance and benefits left in payroll
  • Insured subcontractors billed as your payroll
  • Math errors and the wrong mod applied
Office manager · 5551 → 8810$11,102

Experience mod

02 / mod

Every claim on the worksheet against your loss run, with the corrected mod and what it saves each year.

  • Claims reported higher than they closed for
  • Claims counted twice, or not yours at all
  • Medical-only claims counted at full value
Claim C-1077 · $48,000 → $9,400$26,449 / yr

Deductible invoices

03 / invoices

On a large-deductible program, every monthly invoice line is matched to your loss run and the contract.

  • The same payment billed twice
  • Charges after a claim closed
  • Amounts above your per-claim deductible
  • Handling fees at the wrong rate
INV-2608 · repeat of July payment$14,000

Payroll & client billing

04 / billing

Every payroll, so problems get fixed the same week instead of discovered at audit time.

  • Employees set up in the wrong class code
  • Clients billed below your cost plus margin
  • Renewal rates that never got loaded
Client rate 20.35 vs cost 21.20$17,493 / yr
built for your whole team

One report for your CFO. The right view for everyone else.

Leadership gets a one-page executive report. Injury details stay with the people who handle claims, account managers see only their own clients, and your broker gets read-only access.

Risk & workers' comp everything Finance recoveries · no injury details Payroll ops payroll flags Account managers their clients only Broker read only
  • Your team approves every finding. Nothing goes to an insurer without your sign-off.
  • Your data stays private. We sign an NDA first, and details like Social Security numbers can be removed.
  • Every number is traceable to the document line, the rule and the math behind it.
book a demo

Stop paying for mistakes you made. you didn't make.

Book a 20-minute call with us for a walkthrough and a live demo. See how Rectifi checks a PEO's bills, and ask us anything about your own program.

  • Minutesto read and check your documents
  • Your callyour team approves every finding before anything goes out
  • Daysto send dispute letters and track the money back
Book a 20-min call →
Devaansh Banga, founder · Los Angeles, California