2 pages. Excerpt: [M]any employers will find the burden of compliance well worth the significant cost savings as compared to ... a traditional commercial insurer.... [U]nderwriting profits and investment income retained by the captive can benefit the employer; the captive insurer can access the reinsurance markets which generally have a lower cost structure than direct insurers; and the employer pays premiums based on its unique claims experience rather than an industry-wide standard.  MORE >>