Policy Analysis NRS will analyze your expired policies for overcharges emanating from the following: Experience modification calculation errors Earned Premium Audit Charges Including but not limited to Second Injury Fund Charges, Discounts, Deviations, and Scheduled Credits. Claim Reserve and File Analysis Including mandated statutory credits and reserve calculations. Retrospective Rated Programs Cost-benefit analysis of the original charges and subsequent adjustments. Self-Insured Large Deductible Plan Reviews Check State Filings Against Contracts and Annual Adjustments, Claims Fee Charges, Excess Insurance Charges, Taxes, Letter of Credit Review. TPA Claim File Review Third Party Administrator charges are carefully reviewed against the actual work product to determine level and value of the services. Please visit our website for more information.