| All Firmsa | Number of Employees | ||||
|---|---|---|---|---|---|
| Few Than 10 | 10 to 25 | 26 to 50 | More Than 50 | ||
| Total | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
| Costs in general | 32.7 | 37.5 | 42.5 | 20.0 | 13.3 |
| Increased utilization | 26.6 | 18.4 | 15.7 | 33.8 | 61.2 |
| Changes in the Vermont insurance market | 18.0 | 23.0 | 17.2 | 18.5 | 7.8 |
| Cost of living adjustments | 10.7 | 9.2 | 11.7 | 12.5 | 10.6 |
| Government regulation | 6.0 | 7.2 | 5.8 | 8.0 | 2.1 |
| Other factors | 6.0 | 4.7 | 7.2 | 7.3 | 5.0 |
| a | Includes fully insured and self-insured businesses reporting a premium increase since January 1, 1998 |