Alabama Retail Comp will return $7.5 million in 2025 to participants as part of its annual retrospective return.

“We are pleased to make a significant return to participants,” said Rick Brown, fund administrator and Alabama Retail Association president. “Every dollar the fund returns lowers the cost of doing business for our members.”

Since its inception in 1984, ARC has returned more than $133 MILLION – 29% of all premiums collected – to its participants through what is known as its Retro Return plan.

Each Retro Return is composed of excess funds ARC’s trustees have set aside from previous fund years. As the need to hold money in reserves decreases in a given year, that year’s participants receive money back as credit on their next renewal. The retrospective rating plan uses an actuarial formula that considers individual participants’ experience versus the experience of the Fund as a whole. Lower losses return a higher retro credit at renewal, rewarding participants for providing a safe work environment.

Although a retrospective return is never guaranteed, Alabama Retail Comp is committed to conservative underwriting and aggressive claims handling to continue returning funds to participants.

“The workers’ compensation coverage available to Alabama Retail Association members is important. I’m 100% confident in ARC’s ability to handle all aspects of our claims.”

WILL MEACHAM, owner of MIDTOWN PIZZA KITCHEN in Montgomery and Prattville, a member since 2011.

More than 4,300 Alabama Retail members participate in the fund. ARC specializes in the retail industry, but also provides coverage to an array of business employers.

Fund Manager Brett Johnson said, “At ARC we love what we do – help protect businesses and employees by providing stable, affordable workers’ compensation coverage with unmatched customer service.”

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Learn more about the Retro Return