Ohio’s Group Retrospective Rating program allows public or private employers in similar industries to pool together to achieve premium refunds based on the performance of the group. Group Retrospective Rating program participants must pay their full premium upfront. When the total cost of claims in the group is lower than the total premium paid by the group, the members receive a refund. However, if the total cost of the group’s claims exceeds the total premium paid, the members must pay additional premium. This assessment is capped at a predetermined rate of the employer’s individual annual premium.