Main Calculations for Class Rates
	(1)	(2)	(3)	(4)	(5)	(6)	(7)
	(Data)	(Data)	(1)/(2)	(1)\(\times\)C	\(\sqrt{(4)/683}\)	(3)\(\times\)(5)​+A(1.0-(5))	(6) \(\times\) E
Class	Exposure	Losses	Raw Rate "L"	Expected Claim Count	Credibility of Class	Credibility Adjusted Rate	Corrected Rate
1	25	$ 78,427	$ 3,137	65	31 %	$ 1,324	$ 1,564
2	30	$ 40,687	$ 1,356	78	34 %	$ 800	$ 946
3	36	$ 65,073	$ 1,808	93	37 %	$ 994	$ 1,174
4	43	$ 35,837	$ 830	112	40 %	$ 644	$ 761
5	52	$ 59,918	$ 1,156	134	44 %	$ 800	$ 946
6	62	$ 72,435	$ 1,164	161	49 %	$ 832	$ 983
7	75	$ 63,990	$ 857	193	53 %	$ 698	$ 825
8	90	$ 57,059	$ 637	232	58 %	$ 587	$ 694
9	107	$ 90,110	$ 838	278	64 %	$ 722	$ 853
10	129	$ 46,934	$ 364	334	70 %	$ 410	$ 485
11	155	$ 47,281	$ 305	401	77 %	$ 355	$ 420
12	186	$ 54,427	$ 293	481	84 %	$ 329	$ 389
13	223	$ 69,726	$ 313	577	92 %	$ 329	$ 389
14	267	$ 64,108	$ 240	692	100 %	$ 240	$ 283
15	321	$ 86,197	$ 269	831	100 %	$ 269	$ 317
Total	1,801	$ 932,211	$ 518	4,661	%	$ 438	$ 518
Reference Values for All Classes
	A =Needed Overall Average Rate					$518
	B = Severity (Computed Outside the Table)					$200
	C = A/B = Expected Claims/Exposure					2.588
	D = Average Z-Adjusted Rate					$438
	E = A/D = Off-Balance Factor					1.1814