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PRICING & UNDERWRITING

Price with confidence.
Know the risk.

Bring risk, service complexity and economics into one connected decision. Bold helps your team move quickly without losing the judgment that protects the business.

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UNDERWRITING FILE · UW-000184Acme Manufacturing
2 ITEMS OPEN
EMPLOYEES1003 operating states
ANNUAL PAYROLL$8.4MCurrent census
SERVICE MODELPEOAdmin + risk
TARGET MARGIN18.6%Above floor
DECISION READINESS
82

Ready with conditions4 of 5 review areas complete

✓Benefits experience within target

✓Credit supports standard terms

!Two WC classes need validation

BO HIGHLIGHTSThe pricing clears the margin floor. Resolve the two WC classifications before final approval.

ONE CONNECTED DECISION
01Intake02Classify03Model04Review05Council06Approve07Monitor

PURPOSE-BUILT FOR PEO ECONOMICS

Move faster.
See the whole risk.
Protect the margin.

Bold connects the facts behind the opportunity, the policies that define your appetite and the expertise required to make a sound decision without passing spreadsheets and emails from desk to desk.

01

CONNECTED RISK INTAKE

Start with one underwriting story.

Client, workforce, payroll, benefits, workers’ compensation, credit and service data arrive in one connected file. Bold shows what is complete, what conflicts and what still needs attention.

  • Collect the right information once
  • Normalize census, payroll and risk data
  • Surface gaps before they slow a decision
  • Preserve every source, assumption and change
CONNECTED RISK INTAKEAcme Manufacturing
4 OF 5 READY
OverviewWorkforceBenefitsWorkers’ CompCredit
01

WORKERS’ COMP2 classes need validationLoss runs · 2 classifications

Review
02

HEALTH PLANExperience within targetExperience report · Current

Aligned
03

PAYROLL & TAX6-state footprint supportedPayroll file · 3 states

Aligned
04

CREDITStrong payment profileCredit report · Updated

Aligned
18 SOURCE DOCUMENTS CONNECTEDVIEW SOURCE HISTORY ↗
QUOTE ITEM MANAGEMENT2026 Standard Pricing
+ NEW ITEM GROUP
NAMEPEOASOTRIGGERS

Administration Fee per EmployeePer Employee / Year

$1,800Not setApproval threshold

New Hire Enrollment FeePer New Hire

$7.95$7.95PEO + 1

Implementation, Setup and TrainingPer Employee / One-Time

$2,500$250PEO + 2

Annual Account Renewal FeePer Year

Included$150PEO + 1

02

CONFIGURABLE PRICING

Your catalog. More ways to quote.

Curate the services, line items and pricing approaches your business offers. Create multiple quotes for PEO, ASO and scoped-service relationships, then compare their service combinations, assumptions and expected margins. Bo helps make the differences easier to understand.

  • Maintain configurable catalogs and line items
  • Create and compare multiple quote scenarios
  • View PEPM, PEPY and expected margin together
  • Preserve the assumptions and approvals behind each quote

03

WORKERS’ COMPENSATION PRICING

Know the rate. Know its history.

Maintain classification codes, state availability, base rates, margins and billed rates in one governed source. Every change remains visible so underwriters can understand not only the current assumption, but how it got there.

  • Manage classification codes by state
  • Apply rate-change approval thresholds
  • Separate base rate, margin and billed rate
  • Preserve a complete pricing audit history
WC CODES2026 Active Rate Schedule
MASTER PLAN
ALL STATES⌄SEARCH CODE OR DESCRIPTION…
CODEDESCRIPTIONSTATES
8810

Clerical Office Employees

FL · GA · NC · SC +3
Rate Change ThresholdsMIN −10%MAX 15%
STATEBASE RATEMARGINBILLED RATEFlorida$0.2612.00%$0.29Georgia$0.2915.00%$0.33Ohio MONO.$0.2210.00%$0.24
8742

Salespersons or Collectors, Outside

FL · GA · TX · NC +1
5190

Electrical Wiring, Within Buildings

FL · GA · NC · SC +4

04

YOUR BUILT-IN COUNCIL OF PEO EXPERTS

Every decision benefits
from every lens.

Your Council brings the perspectives of underwriting, benefits, finance, payroll, implementation and service into the decision, then makes the reasoning clear.

COUNCIL REVIEWTWO ITEMS NEED A DECISION

The current pricing view clears the entered margin floor. Confirm the two workers’ compensation classifications before final approval.

INPUTS · 4 OF 5 COMPLETEEXPECTED MARGIN · 18.6%
UNDERWRITING

Validate the two higher-hazard classifications before binding.

BENEFITS

Current experience supports the proposed funding assumptions.

PAYROLL & TAX

All six states are supported with no unusual filing exposure.

FINANCE

Margin clears the floor with room for the proposed service model.

IMPLEMENTATION

The census and conversion timeline support a January start.

CLIENT SERVICE

Complexity is appropriate for the proposed service team.

FROM APPROVAL TO ACTIVE CLIENT

The decision stays clear.
Long after the deal closes.

The approved pricing, conditions and assumptions become part of the client’s operating record. Service teams know what was decided, finance knows what to watch and leadership can see whether the deal performs as expected.

THE DECISION MOVES FORWARD

✓Approved pricing and service scope

✓Risk assumptions and exceptions

✓Required pre-bind conditions

✓Margin floors and review thresholds

✓Renewal and monitoring commitments

READY TO MOVE FORWARD ↗

PRICING & UNDERWRITING WITH BOLD

Make better decisions.
Know exactly why.

Faster underwriting cyclesConsistent risk decisionsDefensible pricingProtected marginsA complete decision history
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