Stubreckon

Small employers can assemble workers' compensation audit material from payroll exports, policy records and carrier forms once a year. Stubreckon proposes a guided reconciliation that preserves employee periods, remuneration categories, approved classifications and exceptions. The supplied research confirms a services-first audit-prep competitor and a payroll product that bundles coverage with its own system. It also exposes a material economic contradiction: the proposed low annual price is below the stated recurring cost of a single unified payroll connection. Those amounts are observed market references, not fixed product pricing, and the delivery model needs a kill gate before build.

A job title or department does not determine a workers' compensation class. Duties, location, governing state, policy, carrier rules and classification authority matter, and mixed duties may require evidence beyond payroll. Overtime treatment, tips, bonuses, owner pay and exclusions are not universal. A calculated worksheet is not a carrier audit, filing, premium determination, payment instruction or guarantee against adjustment.

Policy, endorsement, jurisdiction, employee identity, work period, duty evidence, payroll line, remuneration category, classification candidate, qualified approval, worksheet line, reconciliation difference, employer approval, carrier submission, acknowledgment, auditor finding, premium adjustment, dispute, payment and business outcome remain separate. Stubreckon should reduce assembly errors while preserving broker, carrier, accountant and qualified classification authority.

A small-employer owner, finance lead or payroll administrator preparing an annual workers' compensation audit with their broker, accountant or carrier.