Workers comp rates for code 3681: Electrical Wiring Devices Manufacturing
NCCI class code 3681 covers Electrical Wiring Devices Manufacturing in the manufacturing industry. The median rate across 22 states is $0.410 per $100 payroll. Rates range from $0.130 in Utah to $1.16 in Hawaii.
Also known as: Wiring Device Manufacturing · Electrical Connector Manufacturing
Cheapest 5 states for code 3681
Most expensive 5 states
- Hawaii $1.16
- New Jersey $1.12
- Illinois $0.822
- New York $0.710
- Nevada $0.530
What does NCCI class code 3681 cover?
Class code 3681 classifies employees performing Electrical Wiring Devices Manufacturing, also known as Wiring Device Manufacturing, Electrical Connector Manufacturing. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 3681 falls within the manufacturing industry group and is filed in 22 states.
NCCI's governing classification rules state that a single-classification employer with at least 51% of payroll in this occupation generally classifies all employees under code 3681, with two standard exceptions: clerical office work (segregated payroll records required, reported under code 8810) and outside sales / collectors (code 8742). If your operation has multiple distinct activities, ask your underwriter about a multi-class split before accepting a single-code rating.
Why rates for code 3681 vary so widely across states
The rate spread for code 3681 is 8.9× from cheapest to most expensive ($0.130 in Utah to $1.16 in Hawaii). This isn't randomness, it reflects each state's claim experience for the occupation over the most-recent 5-year window NCCI uses, medical inflation in that state's hospital/clinic market, indemnity (lost-wage) cost levels driven by state maximum weekly benefit caps, and rating-bureau methodology. Independent-bureau states (California's WCIRB, New York's NYCIRB, Pennsylvania's PCRB, New Jersey's NJCRIB, Massachusetts's WCRIBMA, Delaware's DCRB, Wisconsin's WCRB, North Carolina's NCRB, Texas's TDI) often diverge significantly from NCCI's national pure premium, sometimes by 30% or more on the same occupation. Monopolistic-fund states (Ohio, North Dakota, Washington, Wyoming) don't allow private carrier competition, so the state fund's pricing is the only available option.
How to use this code 3681 rate data
- Benchmark your carrier quote. A carrier quoting code 3681 above the $0.530 75th-percentile rate is asking for a premium-rated quote, push back or get a second quote.
- Identify the right state filing. Use the table below to find your state's filed rate. If your carrier is quoting at a higher rate, the difference is either schedule debit, EMR, deductible loading, or a state-fund surcharge, ask which.
- Calculate your effective rate. Effective rate = base rate × EMR ± schedule credit/debit ± deductible loading. Two carriers quoting code 3681 at the same base can vary 30%+ on effective rate after these adjustments.
- Consider lower-rate states if locationally flexible. For code 3681, Utah ($0.130) is 89% cheaper than Hawaii ($1.16). Multi-state employers split payroll by state-of-work, not state-of-headquarters, so locating the high-payroll site in a cheaper state directly lowers premium.
- Build a 3-year EMR strategy. A 0.85 EMR cuts base rate by 15%; the difference between 0.85 and 1.25 EMR on the same code is a 47% premium difference. Frequency control (preventing every claim, even small ones) drives EMR more than severity control.
Code 3681 rates in all 22 states
| State | Code | Rate per $100 | vs peers | Source |
|---|---|---|---|---|
| Utah | 3681 | $0.130 | 5% | view |
| Maryland | 3681 | $0.160 | 9% | view |
| Virginia | 3681 | $0.174 | 14% | view |
| Oregon | 3681 | $0.260 | 18% | view |
| Alabama | 3681 | $0.290 | 23% | view |
| Kansas | 3681 | $0.320 | 27% | view |
| Kentucky | 3681 | $0.330 | 32% | view |
| Tennessee | 3681 | $0.340 | 36% | view |
| Oklahoma | 3681 | $0.360 | 41% | view |
| Louisiana | 3681 | $0.390 | 45% | view |
| Michigan | 3681 | $0.400 | 50% | view |
| Alaska | 3681 | $0.410 | 55% | view |
| California | 3681 | $0.450 | 59% | view |
| Arkansas | 3681 | $0.460 | 68% | view |
| Rhode Island | 3681 | $0.460 | 68% | view |
| Indiana | 3681 | $0.510 | 73% | view |
| Minnesota | 3681 | $0.530 | 82% | view |
| Nevada | 3681 | $0.530 | 82% | view |
| New York | 3681 | $0.710 | 86% | view |
| Illinois | 3681 | $0.822 | 91% | view |
| New Jersey | 3681 | $1.12 | 95% | view |
| Hawaii | 3681 | $1.16 | 100% | view |
Bottom quartile (cheap) Mid Top quartile (expensive)
What types of claims drive code 3681 rates?
Workers comp rate filings for code 3681 reflect what's actually happening on the job, not just generic occupation hazard. NCCI publishes loss-cost analyses showing which injury categories account for the bulk of indemnity (lost-wage) and medical claim cost. For Electrical Wiring Devices Manufacturing, the top drivers are typically:
- Caught-in machinery from lockout/tagout failures, high severity per claim, drives rate spikes when present.
- Repetitive motion injuries, carpal tunnel and tendinitis from production-line work, dominate claim frequency.
- Material handling strains, lifting, twisting, pushing-pulling, are pervasive across all manufacturing codes.
- Chemical exposure, when applicable, produces both acute and long-latency claims.
Targeting these drivers in your safety program produces the largest EMR improvement. Frequency control (preventing every claim, including small medical-only incidents) drives the modifier more than severity control. A documented written safety program addressing the top two drivers above is typically the highest-ROI intervention for employers paying for code 3681.
FAQs about NCCI 3681
What occupation is NCCI class code 3681?
Class code 3681 is "Electrical Wiring Devices Manufacturing" (also known as Wiring Device Manufacturing, Electrical Connector Manufacturing), in the manufacturing industry. The code is filed in 22 states.
What is the average workers comp rate for code 3681?
The median rate across 22 states is $0.410 per $100 of payroll, ranging from $0.130 (Utah) to $1.16 (Hawaii).
Why does code 3681 cost more in some states than others?
Workers comp rates reflect each state's loss experience for that occupation, the rating bureau's methodology (NCCI vs. independent), schedule rating credits, and the state's medical-cost inflation. Some states are monopolistic (only the state fund writes coverage) while others are open competitive markets.