| Calculator Title | Statutory Authority | Formula | Baseline Output |
|---|---|---|---|
| NCCI Workers Compensation Class Code Rate Calculator by State | IRC Section 3111 Payroll Burden, 29 CFR Part 1904 OSHA Recordkeeping, and NCCI Basic Manual Class Codes | round((field_trade_payroll / 100.0) * class_code_rate_per_100 * emr_modification_factor, 2) |
44,200.00 |
| Contractor License Bond Cost Calculator by Credit Score | 31 CFR Part 223 U.S. Treasury Circular 570, 40 U.S.C. Section 3131, and California BPC Section 7071.6 | round(bond_penalty_amount * (underwriting_rate_pct / 100.0) * multi_year_discount_factor, 2) |
375.00 |
| Miller Act Performance and Payment Bond Premium Calculator | 40 U.S.C. Section 3131 Federal Miller Act, 48 CFR Part 28 (FAR 28.102-2), and State Little Miller Acts | round(min(contract_price, 100000.0) * 0.025 + max(0.0, min(contract_price - 100000.0, 400000.0)) * 0.015 + max(0.0, contract_price - 500000.0) * (sliding_tier_rate_pct / 100.0), 2) |
15,500.00 |
| 50-State Contractor Mechanics Lien Release Statutory Matrix | 40 U.S.C. Section 3133(b) Miller Act 90-Day Notice Rule, California Civil Code Section 8132, and Texas Property Code Chapter 53 | round(unpaid_contract_draw + change_order_balance - min(unpaid_contract_draw + change_order_balance, unserved_late_days * daily_forfeiture_rate), 2) |
97,500.00 |
| Commercial Construction Retainage Interest Penalty Calculator by State | 31 U.S.C. Section 3903 Federal Prompt Payment Act, 48 CFR 52.232-5 Progress Payments, and State Retainage Caps | round(gross_contract_billed * (retainage_holdback_pct / 100.0) * (1.0 + (credit_line_apr_pct / 100.0) * (retainage_hold_days / 365.0)), 2) |
93,772.60 |
| Davis-Bacon Prevailing Wage and WH-347 Fringe Benefit Rate Calculator | 40 U.S.C. Section 3141 Davis-Bacon Act, 29 CFR Section 5.5 Certified Payroll WH-347, and IRC Section 3111 | round(annual_prevailing_hours * (base_hourly_wage + (required_fringe_hourly - bona_fide_plan_credit_hourly) * (1.0 + payroll_tax_burden_pct / 100.0) + bona_fide_plan_credit_hourly), 2) |
146,380.00 |
| ERISA Section 412 Fidelity Bond Coverage Amount Calculator | 29 U.S.C. Section 1112 (ERISA Section 412), 29 CFR 2580.412-1, and U.S. Treasury Circular 570 | round(min(max(qualifying_plan_assets * 0.10, 1000.0), 500000.0), 2) |
240,000.00 |
| Contractor Overhead and Profit Markup vs Margin Calculator | 48 CFR Part 31 (FAR Contract Cost Principles), IRC Section 460 Percentage-of-Completion, and AIA A102 | round(direct_job_cost / (1.0 - (overhead_pct + target_net_profit_pct) / 100.0), 2) |
425,000.00 |
| Experience Modification Rate (EMR) Workers Comp Penalty Calculator | 29 CFR Part 1904 Occupational Injury Reporting, IRC Section 162 Insurance Deduction, and NCCI Experience Rating Plan Rule 2-E | round(manual_workers_comp_premium * emr_factor * (1.0 - safety_credit_pct / 100.0), 2) |
56,810.00 |
| California, Texas and Florida Preliminary Notice Deadline Calculator | 40 U.S.C. Section 3133(b) Miller Act, California Civil Code Section 8204, Texas Property Code Section 53.056, and Florida Statutes Section 713.06 | round(unpaid_progress_billing * max(0.0, min(1.0, (statutory_lookback_window_days - max(0.0, days_elapsed_since_first_furnishing - statutory_lookback_window_days)) / statutory_lookback_window_days)), 2) |
120,000.00 |
Field construction payroll of $650,000 classified at $6.80 per $100 of remuneration with a 1.00 unity EMR modifier yields $44,200.00 in annual workers compensation manual premium.
Statutory $25,000 CSLB contractor license bond underwritten at a 1.50% preferred credit tier rate (1.0x single-year factor) yields a $375.00 annual surety bond premium.
Public works contract of $1,200,000 under SFAA Class B sliding-scale rates ($2,500 on first $100k at 2.5% + $6,000 on next $400k at 1.5% + $7,000 on remaining $700k at 1.0%) produces a $15,500.00 combined AIA A312 performance and payment bond premium.
Unpaid progress draw of $85,000 plus $12,500 in executed change orders with 0 late preliminary notice days preserves $97,500.00 in secured statutory mechanics lien principal.
Withholding 10.0% retainage ($90,000) on $900,000 of progress billings financed at 8.50% APR for 180 days locks up $93,772.60 in principal plus working capital interest drag.
Paying $48.00/hr base wage plus $22.00/hr fringe in cash-in-lieu over 2,000 hours with a 14.5% FICA/FUTA/WC payroll burden on cash fringes totals $146,380.00 ($6,380.00 excess payroll tax penalty vs a bona fide ERISA trust).
Qualified 401(k) retirement plan holding $2,400,000 in qualifying plan assets under 29 U.S.C. Section 1112 (10% statutory bond rule capped at $500,000) requires a $240,000.00 ERISA fidelity bond.
Direct job cost of $340,000 divided by (1.0 minus 20.0% combined overhead and profit margin) requires a $425,000.00 contract bid price (1.25x markup divisor).
Manual workers compensation premium of $52,000 modified by a 1.15 debit EMR and a 5.0% state safety committee credit yields $56,810.00 net audited premium.
Serving a California 20-Day Preliminary Notice on Day 20 from first furnishing preserves 100% ($120,000.00) of statutory mechanics lien and stop payment notice rights.