Q1 2026 – May 18, 2026

RESEARCH

Independent Medical Review Trends and Outcomes: 2015–2025. After reaching a pandemic-era low, IMR volume is rising again. A CWCI analysis of 1.68 million IMR decisions found volumes increased from 165,525 in 2015 to 184,735 in 2018, then declined to 127,215 in 2022 due to opioid and pain management guidelines, the MTUS drug formulary, and reduced claim activity during COVID-19. After that, IMRs rebounded, rising 2.9% in 2023, 8.2% in 2024, and 7.6% in 2025 and the mix of disputes shifted as drug disputes fell from 50.7% of IMRs in 2015 to 30.5% in 2025, while physical therapy, injections, and DME-related services grew, along with smaller increases in acupuncture and chiropractic care, indicating a move toward physical and alternative treatments.

Despite these changes, outcomes remained stable, with IMR physicians upholding UR decisions 88–92% of the time (89.8% in 2025), reflecting strong alignment with evidence-based guidelines. Uphold rates varied by service type but remained high, including 91.2% for prescription drugs. The study found that IMR activity remains highly concentrated among a small number of providers. In 2025, the top 1% of physicians accounted for 42% of disputes, with heavy representation from pain management and PM&R specialists. The Bay Area generated a disproportionate share of IMRs, suggesting regional practice patterns play a significant role. Overall, the Institute analysis confirms that IMR continues to reinforce evidence-based care, though rising volumes and provider concentration may drive future policy discussions around efficiency and dispute drivers.

Emerging Drug Classes in Calif WC: Psychotherapeutic & Neurological Drugs. Psychotherapeutic & Neurological Drugs have largely flown under the radar as they have never represented more than a marginal share of WC prescriptions, as these are highly specialized drugs used to treat unique risks such as head, cranial, and intracranial injuries that result in concussions and fractures, neurological conditions such as restless leg syndrome, or conditions such as PTSD. Detail from the IRIS database, however, show that in some cases they have been prescribed for off-label treatment of common work injuries such as diseases and disorders of the spine or joints. An upcoming CWCI study finds that despite its tiny share of WC Rxs, the Psychotherapeutic & Neurological Drugs group’s share of the total drug spend has increased more than sixfold from 0.6% in 2015 to 3.7% in 2024, and last year they moved onto the top 10 list of Calif WC drug groups in terms of total payments, ranking 9th, just below Opioids and Antidepressants. Data on the avg amount reimbursed/Rx underscores the reason for the growth in the Psychotherapeutic & Neurological Drugs’ share of the drug spend, as the avg payment for drugs in the group jumped from $411 in 2015 to $1,159 in 2024, w/much of that growth due to a shift toward single-source brand drugs, where avg payments in this group more than quadrupled from $455 in 2015 to $1,927 in 2024. The study flags 3 specific drugs as primary cost drivers: Gabapentin Enacarbil (Horizant); Once-Daily Gabapentin (Gralise); and Dextromethorphan HBr Quinidine Sulfate (Nuedexta). As the payment trends over the past decade suggest that Psychotherapeutic & Neurological drugs are emerging as a pharmaceutical cost driver, claims organizations, PBMs, and UR professionals should keep an eye out for them, esp. if they’re requested for off-label use. The report includes more background and data on these drugs. In addition, updated utilization and payment data for the drug group and these specific drugs is in CWCI’s Prescription Drug Interactive Application.    

Insured Experience Through Q3 2025. WCIRB’s report of insured experience through Q3 2025 shows Calif WC charged rates remained flat through the first 9 months of 2025, registering no immediate increase after the first advisory rate hike in a decade. Avg charged rates, which are down more than 50% over the last 11 years (from $3.19/$100 of payroll in 2014 to $1.56 in 2024), held steady in 2025 despite Commissioner Lara’s approval of an 8.7% advisory pure premium rate increase effective Sept. 1, an increase that was primarily prompted by rising medical costs, particularly for physical medicine, rehab, and med-legal services. Though rates are stable, the latest figures show system costs are rising. The projected 2024 combined ratio remained at a 20-year high of 126% due to increased claim frequency, higher loss and loss adjustment expenses, and only modest premium growth. WCIRB notes that indemnity claim frequency rose from 2021 to 2024, largely due to CT claims, though it did level off in the first 9 months of 2025. Loss severities continue to increase. The estimated ultimate loss and expense severity in 2024 averaged $82,638, up 5% from 2023 and 33% since 2016, with ultimate medical losses on 2024 claims projected to hit an average of $36,510 (up 7%), while ultimate indemnity severity is projected to hit $30,890 (up 2%) primarily due to wage inflation. Med-legal costs and ALAE are also up (projected to jump 15% and 10% respectively), driven by more services/claim, higher record review costs, and more attorney involvement. WCIRB says recent growth in med-legal costs is largely due to higher record review costs for additional pages, a key driver since 2021, and an increase in psyche reports, while the increase in ALAE reflects increases in CT claims and an increase in L.A.-based law firms representing injured workers in other areas. 

Executive Briefing       (1/28/26)          (Members Only)

Update on BLS Work Injury and Illness Data. New data from the U.S. Bureau of Labor Statistics show that private sector workplace injuries and illnesses fell to a 20-year low of 2.5 million cases in 2024, down 3.1% from 2023, with a record-low incidence rate of 2.3 cases per 100 workers. The decline was driven largely by a sharp drop in illness cases—especially respiratory illnesses, which fell more than 46%—reflecting the waning impact of COVID-19. Injury and illness rates declined across all major industries, including health care, while COVID-related cases dropped significantly compared to pandemic-era levels. Over 2023–2024, cases that involved days away from work had a median of 8 lost workdays, with overexertion, repetitive motion, and contact injuries cited as the most common causes, underscoring that traditional workplace risks remain the leading sources of lost-time incidents despite the overall improvement in safety outcomes.

Claim Characteristics and Trends Interactive Application. CWCI’s systemwide app with data on all insured and self-insured workers’ compensation claims reported to the DWC’s Workers’ Compensation Information System (WCIS). Featuring data from AY 2018 forward, the app shows overall trends and claim distributions by region, industry, and injury characteristics and allows users to track the number of reported and projected claims by year, by quarter and year, or by month and year. Filters can be used to view results for combinations of insured and self-insured claims, by claim type, industry, region, injury description, reporting timeliness, and COVID-19 status. 

Inpatient Care in California Workers’ Comp.  CWCI’s interactive data application based on HCAI data allows members to monitor trends in the utilization of inpatient care in California workers comp from 2012 through 2024, comparing the workers comp trends to those in Medicare, Medi-Cal and private coverage. The data includes the types of conditions treated and the inpatient services delivered to injured workers before and after the pandemic began in 2020; including the primary diagnoses underlying inpatient hospitalizations involving spinal fusions and major joint replacement surgeries; and changes in the total number of injured worker hospitalizations.

Interactive Application (1/15/26)     (Members Only)

Public Self-Insured Experience, FY 2024/25. For the 3^rd straight year, public S-I employers reported declines in the number and frequency of WC claims in FY 2024/25, even as their workforce grew to 2.26 million employees and wages rose sharply. Claim volume fell slightly to 117,190 and frequency hit a 10-year low of 5.2 claims per 100 workers. Despite the declines, CWCI’s analysis found that overall costs continued to climb, as paid losses rose 7.6% to $594.9 million and average paid per claim rose 8.4% to $5,076. Medical expenses were the main driver, with average medical payments up 13.1%, while indemnity costs also continued a long-term upward trend. Total incurred losses reached $1.78 billion, up 5.8%, reflecting ongoing cost pressures despite fewer claims.

The Medical Services Interactive App. Medical service data for claims with 2016-2024 initial treatment dates, valued as of 6/30/25. The app allows CWCI members to monitor utilization and payment trends for 13 medical service categories at 6 levels of development, and across key claim characteristics. Data can be broken out for all diagnostic categories or any of 17 specific diagnostic categories; for open or closed claims (or both); for all claims or indemnity claims; for claims with and without attorneys (or both); for insured and self-insured claims or just insured claims; for surgical and non-surgical claims (or both); by level of opioid use; by industry; and by region. 

Interactive Data App (1/5/26) (Members Only)

The Regional Scorecard App.  New data from CWCI’s IRIS database on AY 2011-2025 claims valued as of December 31, 2025. Members can viewregional and statewide data on 19 metrics, compare results from 7 regions, and identify regional and statewide trends. The app shows average medical, indemnity and other payments (with breakdowns of average TD and PD, ALAE), as well as data on demographics, claim status (percent closed, percent with an attorney, percent with TD payments, and percent with PD payments), and claim volume. Members may also use filters to view results by injury year, by industry, and for insured and self-insured claims or just insured claims. 

Interactive Data App (1/5/26) (Members Only)

CWCI’s Loss Development App.  CWCI’s systemwide app with data on all insured and self-insured claims reported to the DWC’s Workers’ Compensation Information System (WCIS) as of 6/30/25. Featuring data from AY 2018 forward, the app shows overall trends and claim distributions by region, industry, and injury characteristics and allows users to track the number of reported and projected claims by year, by quarter and year, or by month and year. Filters can be used to view results for combinations of insured and self-insured claims, by claim type, industry, region, injury description, reporting timeliness, and COVID status. 

Interactive Data App Update (1/5/26) (Members Only)         

The Prescription Drug App. New data from the IRIS database to help CWCI members identify trends and compare industrywide data on prescriptions filled between January 2010 and June 2025. Claim level data allows members to examine prescription drug utilization by accident year at 6 levels of development, and service-level data allows them to look at drugs dispensed during the 15-year period ending in December 2024. Dashboards allow users to build custom views of statewide or regional pharmaceutical data for all claims or indemnity claims, and global selection settings and drop down menus allow them to see results at different levels of development; for open and/or closed claims; for specific drug groups; for generic and/or brand drugs; by opioid drug name; by industry; and for specific accident or service years. As members choose from a menu of different metrics, tables and charts automatically display the results, with regional data provided in color-coded heat maps. 

Interactive Data App (1/5/26)             (Members Only)

STATUTORY/REGULATORY

Bill on Timing of WC Medical Appts Resurfaces. A bill that would make it unlawful for employers to deny injured workers time off during the workday to attend medical care for their work injuries when the appointment cannot reasonably be scheduled outside of work hours was reintroduced this month after a similar bill was not called for a vote before the session ended. AB 2098 (Kalra) would require injured workers to make a reasonable effort to schedule WC medical appointments outside their normal work schedule, but if they are unable to do so and they can only schedule an appointment during work hours, the employer would be required to allow the time off unless a legitimate business necessity requires that it be moved to another time or day. “Business necessity” would be evaluated under the standard established by 1989 case law (Barns v. WCAB), which requires employers to show an action is essential to business operations and not just convenient or cost-effective. If approved, the employee’s time off would run concurrently w/FMLA or Calif Family Rights Act leave. Under AB 2098, an employer’s denial of a request to attend a medical appointment during work hours could be considered discrimination under LC §132a.

Executive Briefing (3/30/26)                (Members Only)

Revised UR/IMR/Physician Reporting Regs Take Effect April 1. DWC’s revised UR, IMR and physician reporting regs that were promulgated late last year took effect 4/1/26. The regs are intended to address concerns about UR delays and denials, strengthen regulatory oversight, expedite injured workers’ access to care and Rx drugs, and increase accountability for claims administrators and UR organizations. The Institute provided a summary of the changes so claims administrators and UR vendors could prepare.

Executive Briefing (3/30/26)                (Members Only)

Executive Memo (3/19/26)                   (Members Only)

Proposed Changes to ADA Regs. This month the DWC posted draft regs that would update procedures for providing ADA accommodations to individuals appearing before the WCAB and posted them for forum comments. The proposal renumbers existing rules, revises some language, and adds Rules 9004, 9008, & 9009 to clarify how disability accommodation requests should be handled in DWC proceedings. Proposed Rule 9004 would establish a formal process for “blanket offers” of accommodation that would allow individuals w/disabilities to request multiple remote appearances at WCAB proceedings. Such requests would have to be disability-related and coordinated through the Statewide Disability Coordinator, w/advance notice requirements for remote appearances and safeguards to ensure the accommodations do not create an unfair advantage in litigation. The coordinator would also have authority to approve or revoke blanket accommodations. The proposal also creates new procedures for addressing disability-related complaints: Rule 9008 would introduce a standardized grievance process and a new form (Form 9008) for individuals alleging disability discrimination in DWC services, programs, or activities, with written responses from the AD required w/in 35 business days. Rule 9009 would allow those affected by granted accommodations (i.e., repeated continuances or remote appearances) to request an investigation into whether the accommodations were ineffective, with the Statewide Disability Coordinator responsible for reviewing complaints and determining resolutions.

Executive Briefing (3/30/26)                (Members Only)

Loss Control Alert. In March Fed-OSHA announced a voluntary, 3-step, “Safety Champions Program” to help employers build and improve workplace safety & health programs in line w/OSHA recommended practices. The goal was to build effective safety & health programs through leadership; worker involvement; hazard identification and control; evaluation; communication; and training. Employers can participate independently or w/technical help from OSHA staff who can assess their program and progress at any time. Those who complete the program are expected to implement the elements and demonstrate a commitment to continuous safety improvement. In addition to Safety Champions, Fed-OSHA also launched a 2nd program, OSHA CARES, a customer service initiative aimed at making it easier for small and mid-sized companies to gain access to OSHA resources in order to meet the agency’s safety requirements.

Executive Briefing (3/30/26)                (Members Only)

Workplace Inspection Rules. In 2024, Fed-OSHA issued a “Walkaround Rule” allowing employees to designate non-employee 3rd parties as representatives during inspections, removing prior limits that favored employee-only or credentialed safety reps. The rule, which revives a 2013 policy rescinded in 2017, is being challenged in federal court, leaving its future uncertain. Because state plans must be at least as effective as federal OSHA, Cal/OSHA has proposed regs to clarify who may serve as an authorized employee representative. The proposal similarly allows a broad range of 3rd-party participants and aims to strengthen enforcement and reduce legal uncertainty. A public hearing is scheduled for April 1.

Executive Briefing (2/25/26)                (Members Only)

Key Provisions of Proposed SIBTF Reform. Gov. Newsom’s 2026–27 budget proposes reforms to the Subsequent Injuries Benefits Trust Fund (SIBTF), for which costs are projected to rise from $87 million in 2019–20 to $1.3 billion by 2029–30. A January trailer bill aimed to restore the fund’s original purpose and curb employer liabilities, responding in part to expanded eligibility from recent case law, including Todd v. SIBTF. Key provisions would require use of the Combined Values Chart and Whole Person Impairment (WPI) before adjustments, bar additional SIBTF benefits for workers already rated 100% permanently disabled and tighten eligibility by requiring preexisting impairments to have caused measurable work limitations and be supported by medical evidence. The bill also presumes offsets for other disability payments (with limited exceptions), allows the DWC to use outside vendors, and restricts certain evidence and reopening of claims. The Administration expects that these changes can help control SIBTF costs and impact reserving, claims strategies, and actuarial projections beginning in FY 2026–27.

Executive Briefing (1/28/26)                (Members Only)

PPD COLA Proposal Dropped.  In February, Sen. Anna Caballero dropped a proposal that had been included in SB 555 that called for adoption of an annual cost-of-living adjustment for WC permanent partial disability (PPD) benefits that would have matched the percentage increase in Social Security benefits. Currently, avg weekly wages used to calculate PPD benefits range from a minimum of $240 to a maximum of $435, and monthly PPD benefits have been capped at $1,256 since 2014. Employers, however, have argued that any benefit increase needs to be part of a broader WC reform measure, so Sen. Caballero amended her proposal leaving the minimum and maximum PPD amounts blank as she negotiates w/employers and other stakeholders. Ultimately the fate of SB 555 may be tied to the SIBTF reform proposal, which as noted previously, was released earlier this month.  

Executive Briefing (2/25/26)                (Members Only)

California’s Workplace Know Your Rights Act. On Oct. 15 CWCI issued an Exec Memo to alert members that in response to recent ICE activities, Gov. Newsom had signed SB 294, The Workplace Know Your Rights Act, which effective 2/1/26, requires Calif employers to provide all employees in the state a new stand alone, written notice advising them of their specific Constitutional rights when interacting with law enforcement at work. The notice covers topics such as WC, immigration inspections, protections against unfair immigration practices, the right to organize, and employee rights when interacting with law enforcement at work. Last month the Labor Commissioner released a 5-page model notice in English and Spanish, with more languages coming. Employers must provide the notice in the language normally used w/employees, or in English if no translation is available. The state will update the template annually and publish an employer guidance video by 7/1/26, but by 3/30/26, employers must also allow employees to name an emergency contact and indicate whether that contact should be notified if the employee is arrested or detained at work. Next steps: Employers should distribute the notice to all employees and new hires and document it, and update the notice each year.

Executive Briefing (1/28/26)                (Members Only)

PPD COLA Bill Resurfaces. In mid Januarythe Senate Appropriations Comtee held a hearing on SB 555 (Caballero),a bill carried over from last year that would create a cost-of-living adjustment (COLA) for permanent partial disability benefits. The bill would require PPD benefits to be adjusted annually by the same percentage increase in Social Security benefits. Currently, avg weekly wages used to calculate PPD benefits range from a minimum of $240 to a maximum of $435, and supporters of the bill note that that the monthly benefits have been capped at $1,256 since 2014. Opponents of the bill don’t dispute the need for an increase but argue that benefit increases should be part of a larger reform package. At last week’s hearing, the committee updated last year’s version of the bill, amending the language to require that for computing average annual earnings for purposes of permanent partial disability indemnity, that average weekly earnings be taken at range to be determined later for injuries occurring on or after January 1, 2027.” The bill was then ordered to a second reading.

Executive Briefing (1/28/26)                (Members Only)

Annual Report of Inventory Deadlines… DWC’s deadline for filing the 2025 Annual Report of Inventory for Claims Reported During CY 2025 (Form DWC-851, Rev.1-2026) is Wednesday, April 1, 2026. The form was emailed to all Claims Administrator contacts in early January but can also be accessed on the DIR website. The state’s electronic data reporting regulation [CCR 9702 (i)(3), www.dir.ca.gov/t8/9702.html] allows the DWC to waive the obligation to submit the ARI if the AD determines that a claims administrator has demonstrated the capability to submit complete, valid, and accurate data via the WCIS, but few claims administrators have a waiver. Thus, per CCR §10104, most insurer, TPA, and self-administered, self-insured employer and JPA adjusting locations in the state must still complete the ARI form indicating the number of claims at that location for the preceding calendar year, and submit it to the DWC Audit Unit. The inventory must be filed even if the adjusting location had no claims reported to it in the prior year, and regardless of whether it received an inventory form from the DWC. Failure to submit the report by April 1 may result in penalties of up to $500 per location.

Executive Memo (1/15/26)                   (Members Only)

SIBTF in the California State Budget.  For several years, the Subsequent Injury Benefit Trust Fund (SIBTF) has been a leading cost driver of employer assessments, creating significant controversy and budgetary pressures.  In 2025, there were rumors of a comprehensive reform of the SIBTF. Though this did not come to pass, in his 2025 veto message of AB 1329, Governor Newsom stated that he could not sign the bill because it did not “contain the comprehensive reforms necessary to save SIBTF” and directed the DIR and DWC to develop a comprehensive reform of the SIBTF for the January 2026-27 budget. As promised, Governor Newsom called for a comprehensive reform of the SIBTF in his January 2026-27 budget. While specific legislative language was not included, the budget summary did note that the SIBTF program “has expanded significantly beyond its original purpose due in part to recent court decisions that have expansively interpreted undefined terms in the 60-year-old statute” and that without changes, the program costs will rise from $87 million in 2019-20 to $1.3 billion in 2029-30.  CWCI staff will continue to monitor for any proposed legislative changes to the SIBTF program in the 2026-27 State Budget, and we will communicate those changes should they become law.

Executive Memo (1/12/26)                  (Members Only)

Executive Briefing (1/28/26)             (Members Only)

MTUS Formulary Interactive Data Application.  The latest update to CWCI’s online application that shows the breakdown of medications within each version of the MTUS Prescription Drug Formulary by formulary category: Exempt, Non-Exempt, Not Listed; Special Fill, and Perioperative drugs. Users can identify which drugs were added to or dropped from the formulary and when; easily find where approximately 100 therapeutic drug groups and hundreds of specific drugs have been categorized; track changes in prescription and payment distributions among the formulary categories beginning with pre-formulary years (CY 2016 and 2017) and extending into the post-formulary years beginning with CY 2018; find the average wholesale price (AWP) and the average amount paid for specific drugs (by drug ingredient) over time; and view lists of the top 20 drugs by formulary category, broken out either by calendar year or by formulary version. 

Online App Update (01/05/2026)      (Members Only)

LEGAL

Illinois Midwest Insurance v. Rodriguez. CWCI requested to file an amicus brief in Illinois Midwest Insurance v. Rodriguez, a case before the California Supreme Court involving a worker who suffered a brain injury and needed a home health aide for daily care. After initially approving the care, the insurer denied a subsequent UR request to continue the care. A WCJ then ruled that the worker still needed the care as the need for care was ongoing and unchanged, and the insurer appealed, arguing that once it properly used UR to deny the request, the judge no longer had authority to decide if care was medically necessary as IMR is the proper process for appealing such denials. After several appeals, a higher court agreed with the insurer that when a treatment request is denied through a valid UR process, judges cannot override that decision; the only way to challenge the denial is through IMR; and even if the treatment is unchanged (like continuing home care), the insurer can still require a new UR review and potentially deny it. The case is now being reviewed by the California Supreme Court, and the Institute submitted a requested to submit an amicus brief in support of the insurer. 

Amicus Application Brief (3/28/26) (Members Only)

OTHER

CWCI Elects Board of Directors For 2026. Kris J. Mathis, Senior Vice President, Chief Claims Officer & Risk Management Services at CopperPoint Insurance Companies, was elected as Chair of the California Workers’ Compensation Institute (CWCI) Board of Directors for 2026 at the Institute’s 62^nd Annual Meeting in Sacramento last week. Mr. Mathis was first elected to CWCI’s Board in 2016 and has been a member of the Institute’s Executive Committee since 2019. Joining Mr. Mathis on CWCI’s 2026 Executive Committee will be Michael Cunningham, Zenith Insurance Company; Eric M. Hansen, Preferred Employers Insurance, who served as Chair the past two years; Carmen Sharp, The Hanover Insurance Group; Vernon L. Steiner, State Compensation Insurance Fund; Christopher Thurman, CNA; and Matthew Zender, AmTrust North America. Also elected to serve on CWCI’s 2026 Board of Directors were Ricardo Nan, AIG; Andrew Linkhart, Berkshire Hathaway Homestate Companies; Jeff Rush, California Joint Powers Insurance Authority (an associate member); Mary Beth Pittinger, CHUBB; Chris Champlin, EMPLOYERS; Joseph Wells, Everest Insurance; Dina Rivas, ICW Group Insurance Companies; Dr. Mary Capelli-Schellpfeffer, Liberty Mutual Insurance; Justin Smith, North American Casualty Company/Applied Underwriters; Todd Lewis, Republic Indemnity; Brooks Rice, Schools Insurance Authority (an associate member); Jennifer Page, Sentry Insurance; Julie Riddle, The Hartford; Joanne Moynihan, Travelers; Brian Stuart, WCF Insurance; and Neil Deblock, Zürich North America.

CWCI News Release (3/30/26)         (Public)

Registration Announcement for CWCI’s 62nd Annual Meeting. The Institute’s 2026 Annual Meeting at the Sofia Tsakopoulos Center for the Arts (aka, “the Sofia”) in Sacramento was scheduled for Thursday, March 26 from 9 a.m. to 3 p.m. The theme of the 2026 meeting was “When Old Models No Longer Hold,” an examination of how the cyclical nature of the system has presented incredible challenges and opportunities, where the system is in the current cycle, and how developing economic and political dynamics will shape the direction of the system in years to come.  Members were invited to attend by completing a registration for the meeting.

Press Release (2/4/26)                          (Public)

Executive Memo (2/4/26)                    (Members Only)

Executive Briefing (2/25/26)                (Members Only)

DWC Moves Santa Barbara Office… Last week the DWC announced that effective Jan. 22 its Santa Barbara District Office was moving to 120 Cremona Dr. 270, Goleta, CA 93117-3167 (805) 770-6161. Scott Seiden remains the presiding judge, and as of last Thursday, all hearings, filings and walk-throughs have been held in Goleta, though DWC’s Electronic Adjudication Management System will continue to show Santa Barbara until a system update occurs at the end of March. An updated list of all 23 DWC district offices, including the new Goleta location, is here.

Executive Briefing (1/28/26)                (Members Only)

CWCI Q4 2025 Quarterly Summary.  Quarterly listings of all CWCI publications, including publication dates, summaries of each topic and the various formats in which the information is available (e.g., research report, Bulletin, Exec Briefing, news release), so users can choose the level of detail they want to view. Listings include live links so users can click into the CWCI website to access specific documents quickly and easily.

Quarterly Summary Q4/2025 (2/19/26) (Members Only)