A compliance audit checks the promises the carrier made to you in your current and historical policies against what actually happened. Where any discrepancies occurred, we will get your money back.

A compliance audit checks factors that impact your premium – including your experience mod factor. We can help you optimize your mod [More]

In our experience, errors and overcharges occur a high percentage of the time, and can cost you a lot of money. [More]

After we receive the signed agreement and authorization letter, we ask that you provide your policies and final premium audits that you have readily available for your current and prior four policies (we are willing to audit up to 10 years back given teh policy and final premium audit for each year to be audited). We will help you get what you don’t have on-hand by working with your agent, and your insurance carrier(s).

Standard Audit: (Premiums $100,000+)

  • We audit the insurance carrier’s compliance with state rules regarding premium calculation, such as (but not limited to):
    • Correct application of experience modification factor
    • Correct application of miscellaneous debits and credits
  • We will evaluate the accuracy of the experience modification factor by analyzing the carrier’s compliance with state rules regarding reporting of unit statistical data such as claims and payroll information.

Payment for Services Options:

  • 50/50 Strictly Shared Savings Agreement
    • Client provides policy data readily available for the audit
    • Synergetic Solutions makes a reasonable attempt to obtain the remaining data for the audit
  • Hourly fee
  • Flat Fee

Policy data typically requested from Client:

  • Current and past policies (up to 10 years back)
  • Final Premium Audit Statements (up to 10 years back)
  • Payroll information
spalmquist
Savannah Palmquist
Director of Support Services
Amanda Tessling
Amanda Tessling            
Support Services Coordinator                          
Dar Lund
Dar Lund
Administrative Assistant
   
     
   
     

Patrick D. Charais
President and CEO

Some of our key employees believe that if you understand the founder, you will understand the company. Consequently, they asked me to publish my biographical information. With their request in mind, and in the interest of brevity, I will attempt to draw a parallel between my experience and the audit we provide.

  • Five years auditing nuclear power plants and their suppliers.
    During this time, I learned to perform extremely detailed operational audits. As you can imagine, there was no room for error. Many of the operational auditing techniques I learned while in the nuclear field have been incorporated into our current audit.
  • Ten years developing, negotiating, and administering multi-million dollar contracts.
    As you may know, insurance policies are contracts. In addition to identifying noncompliance with rules that govern your workers’ compensation insurance plan, our audit identifies contract issues. In fact, a high percentage of the overcharges we identify are the result of policy noncompliance. We have identified more than $18,500,000 in overcharges to date.
  • Seven years in market research and development.
    While analyzing markets, developing programs, and implementing programs, I learned to match a product or service to a company having a need. We are a target marketing firm, and we are very good at identifying those companies that have the greatest need for our service.
  • Fourteen years as President and CEO of Synergetic Solutions, Inc.
    In the early years of Synergetic Solutions, we hired people with extensive insurance industry experience. They had a list of professional certifications as long as your arm but it was difficult to train them as compliance auditors. They were good people, and I have little doubt they were great in their field, but they tended to accept what has “always been done.” We are compliance auditors, and in our company, “compliance auditors” may not determine the acceptability of an activity based on “the way it has always been done.” Our determinations are based on the specific “chapter and verse” of the applicable governing laws, rules, regulations, filed plans, and policy. We cannot – and do not – ignore noncompliance regardless of past industry practices.
  • My formal education includes:
    • BA from Metropolitan State University (Minneapolis, MN)
    • MBA from University of St, Thomas (St. Paul, MN)

If you have any questions about our service, please contact us at 1-800-758-2941. You are welcome to ask for anyone in management, the auditing department, the sales department, or me.

  • Synergetic Solutions was founded in 1996
  • We have conducted thousands of modification factor audits for over 2,000 companies
  • Our overall success rate of recovery exceeds 70% for several profiles
  • If you wish, we will provide you with a preliminary review to determine the probability of success for your company profile – Free of charge
  • Our audit is performed completely off-site with minimal time required from you.
  • Many insurance agents and brokers use our service to make certain their
    customers’ premium calculations and experience ratings are correct.
  • Your account is assigned to an auditing team. A member of your auditing team will be designated your “central point of contact.” You may contact this person with any questions during the audit.
  • We will update you on the status of your audit at least once every 30 days.

Executive Staff

Patrick D. Charais
Patrick D. Charais, WCP
President
Diane Charais
Diane Charais
Vice President
Savannah Palmquist
Savannah Palmquist
Director of Support
Services & HR
Rita Harris
Rita Harris
Director of Business
Development

Lori Harris
Director of Information
Technology
Cathy Welage
Cathy Welage
Assistant to the President
              

              

Business Development

Mary Doriott
Mary Doriott
Assistant to the Director
of Business Development
morthaus
Michelle Orthaus
Account Manager
Vince Salmela
Vince Salmela
Account Manager
 Misty Hill
Misty Hill
Account Manager
Jake Mooney
Jake Mooney
Account Manager
Jay Ziegler
Jay Ziegler
Account Manager
dschultz  
Doug Schultz
Account Manager
 jwally
John Wally
Account Manager
              

Auditing

Terri Koval
Terri Koval, WCP
Manager of Auditing
Alicia Voight
Alicia Voight, WCP
Audit Team Manager
 Jordan Boyce
Jordan Boyce
Audit Team Manager
Katie Harbott
Katie Harbott, WCP
Senior Auditor
Sharon Mottaz
Sharon Mottaz
Data Entry Specialist
Missy Mayen
Missy Mayen
Associate Auditor
Paul Birken
Paul Birken
Associate Auditor
 callen
Chloe Allen
Audit Analyst
 asornsen
Alexa Sornsen
Audit Analyst

Support Services

Amanda Tessling
Amanda Tessling
Support Services
Coordinator
Dar Lund
Dar Lund
Administrative Assistant
                                                       

Patrick D. Charais
Patrick D. Charais, WCP
President
Diane Charais
Diane Charais
Senior Vice President              
Alan Newman
Alan Newman, WCP
Vice President
spalmquist
Savannah Dougherty
Director of Support Services
Rita Waletzko
Rita Waletzko
Director of Business
Development

Lori Harris
Manager of IT       
Michelle Orthaus
Michelle Orthaus
Account Executive
Cathy Welage
Cathy Welage
Assistant to the President
Rita Waletzko
Rita Waletzko
Director of Business
Development
Mary Doriott
Mary Doriott
Assistant to the Director
of Business Development
vsalmela3
Vince Salmela
Account Manager
zbaird
Zonda Baird
Account Manager

Dawn McMahon
Corporate Liaison

     
   
 
Terri Koval
Terri Koval, WCP
Audit Team Manager
Alicia Voight
Alicia Voight, WCP
Audit Team Manager
Jordan Boyce
Jordan Boyce
Audit Team Leader
Katie Harbott
Katie Harbott, WCP
Senior Auditor
Sharon Mottaz
Sharon Mottaz
Data Entry Specialist
Missy Mayen
Missy Mayen
Associate Auditor

Amanda Mueller
Associate Auditor

Katie Becker
Associate Auditor
 
Paul Birken
Associate Auditor