Risk & Insurance Calculators
Estimate workers’ compensation and insurance costs, review potential risks, and understand their impact on your workforce.
Workers Comp Audit Estimator
Annual payroll
Primary class code
Experience mod (EMR)1.0 = average; <1.0 = safer than avg
Current annual premiumWhat you paid last year (optional)
Estimated WC premium
at —% base rate × 1.0 EMR
Base rate (per $100 payroll)—
Base premium (before EMR)$0
Experience modification1.00×
Current premium entered$0
Potential savings vs. current—
Atlas One runs a full WC audit and moves qualifying employers into group programs that reduce premiums 15–25%. Book a call.
Book a call →NCCI rates shown are illustrative averages — actual rates vary by state, carrier, and annual loss runs. Your true premium also reflects a schedule credit/debit (±25%), policy fees, and any dividend plans. EMR below 1.0 signals a safety-conscious operation and earns a premium discount; above 1.0 means recent claims are driving costs up. Atlas One clients access group WC programs that often achieve 15–25% premium reductions.
Cost of Inaction Calculator
Monthly HR / admin spendSalaries, software, compliance, WC
Estimated savings with PEO (%)Atlas One avg: 18–28%
Months of delayHow long before making a decision
Compliance risk exposureEstimated annual penalty risk
HR staff hours on admin / wkHours your team burns on manual HR
Total cost of waiting
$0
in missed savings + risk exposure
Monthly savings you are missing$0
Savings lost over delay period$0
Compliance risk (pro-rated)$0
Admin hours lost in delay0 hrs
Annual run-rate savings$0
Every month you wait costs real money. Book a call and we will show you exactly what your savings look like from day one.
Book a call →How this is calculated: Monthly savings = current spend × savings %, extrapolated over the delay period. Compliance risk is pro-rated based on delay months. Admin hours represent strategic time your team is spending on manual processes instead of growing the business.
HIPAA Penalty Exposure Calculator
Violation tier
Records potentially exposed
Employees with PHI access
Days without a BAA on fileBusiness Associate Agreements
Last HIPAA training (years ago)
Estimated penalty exposure
$0
possible range
Minimum per-violation penalty$0
Maximum per-violation penalty$0
Annual penalty cap$0
BAA gap exposure$0
Risk level—
Atlas One handles HIPAA compliance, BAA management, and staff training for healthcare employers. Book a call.
Book a call →HIPAA fines are per violation, per day. OCR has levied penalties from $10,000 to $5.1M in a single settlement. Tier 4 (willful neglect not corrected within 30 days) carries a $50,000 minimum per violation with a $1.9M annual cap. BAAs: every vendor who touches PHI (payroll processors, HR software, benefits carriers) needs a signed BAA — missing ones are the most common and easily corrected finding in OCR audits.
Labor Burden Calculator
Hourly wage
Hours per week
State unemployment rateUse your actual SUI rate if known
Workers comp rate (%)Of payroll. Construction 5–12%
Benefits cost (%)Of base pay. 25–35% typical
PTO days per year
Other costs per yearTraining, equipment, uniforms, etc.
Fully loaded employee cost
$0
— burden multiplier
Annual base pay$0
FICA (Social Security + Medicare)$0
FUTA (Federal unemployment)$0
SUI (State unemployment)$0
Workers compensation$0
Benefits$0
Other (training, equipment)$0
True hourly cost$0
Want to lower this number? Book a call and we will show you exactly where your burden can be trimmed.
Book a call →How the burden multiplier reads: a 1.32x multiplier means every $1 of base wage actually costs $1.32 all-in. Most US small businesses land between 1.25x and 1.45x; construction and manufacturing run higher due to workers comp. Note: FUTA is calculated on the first $7,000 of wages only; the SUI wage base varies by state.
Total Outsourcing ROI Calculator
Number of employees
Annual payrollTotal W-2 wages before taxes & benefits
Industry
Annual WC premiumLeave blank if unknown
Annual benefits spendHealth, dental, vision, 401(k)
Annual software / SaaS spendAll HR, payroll & back-office tools
Estimated annual savings
—
Conservative to optimistic range
Workers comp optimization$0
Benefits negotiation$0
Software consolidation$0
HR admin time reclaimed$0
HR hours reclaimed annually0 hrs
These are conservative, industry-average estimates. Book a quick call and we will calculate the exact savings for your business.
Book a call →Methodology: Estimates based on Atlas One client averages and industry research. Workers comp savings assume ~15% reduction through carrier optimization; benefits ~10% on renewals; software ~30% via stack rationalization; HR time at 10 hrs/employee/year reclaimed at $50/hr loaded coordinator cost. Range shown is ±30% around the mid estimate. Actual savings vary — real results require a live audit.
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