Independent Actuarial Services for Workers Compensation Request for Proposals

Agency: City of St. Louis
State: Missouri
Type of Government: State & Local
NAICS Category:
  • 524298 - All Other Insurance Related Activities
  • 541611 - Administrative Management and General Management Consulting Services
  • 541612 - Human Resources Consulting Services
Posted Date: Feb 2, 2026
Due Date: Feb 23, 2026
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Independent Actuarial Services for Workers Compensation Request for Proposals

Sponsor: Office of the Comptroller

Procurement Type: Request for Proposals  and or Qualifications

Starting Date: 02-02-2026

Closing Date: 02-23-2026

Closing Time: 05:00 PM

Summary

The City of St. Louis Office of the Comptroller seeks proposals for independent actuarial services for workers compensation loss reserves.

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  1. Independent Actuarial Services for Workers Compensation RFP

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R​ EQUEST FOR PROPOSALS​
F​ OR​
I​ NDEPENDENT ACTUARIAL SERVICES​
F​ OR WORKERS COMPENSATION​
​RFP OPENING DATE: February 2, 2026​
R​ FP CLOSING DATE: Feb 23, 2026​
C​ ity of St. Louis​
​Comptroller​
1​ 200 Market Street, Room 212​
​St. Louis, MO 63103​
P​ hone: 314-622-4389​
T​ ABLE OF CONTENTS​
​ESTIMATED SCHEDULE (SUBJECT TO CHANGE):​
2​ ​
​I.​ ​Purpose and Intent​
​3​
I​ I.​ ​Contact Person & Questions​
4​ ​
​III.​ S​ ubmission & Deadline​
5​ ​
​IV.​ ​Required Qualifications & Certifications​
​5​
V​ .​ S​ ​cope of Services​
​5​
​VI.​ M​ ethod of Compensation; Proposed Additional Services​
​6​
V​ II.​ R​ equired Proposal Contents​
​6​
V​ III.​ ​P​roposal Evaluation​
7​ ​
​IX.​ ​Standard Contract Terms​
​8​
A​ .​ ​Non-Discrimination Policy​
8​ ​
B​ .​ ​Public Records Law​
​8​
​C.​ ​Living Wage​
​9​
D​ .​ S​ ervice Contract Prevailing Wage​
​9​
E​ .​ ​Unauthorized Aliens Affidavit​
​9​
​F.​ ​Anti-Discrimination Against Israel Act​
9​ ​
G​ .​ I​ ndependent Contractor​
1​ 0​
​H.​ I​ ndemnification​
1​ 0​
​I.​ ​Insurance​
1​ 0​
J​ .​ ​Subject to Appropriation of Funds​
1​ 1​
K​ .​ P​ rohibition on Limitation of Liability Clauses​
1​ 1​
L​ .​ ​Termination​
1​ 2​
N​ .​ P​ rohibition of Clickwraps and End User License​A​ greements​
1​ 3​
​O.​ ​Earnings Tax Requirements.​
​13​
​X.​ ​Governing Law and Venue​
​13​
2​ ​
E​ STIMATED SCHEDULE (SUBJECT TO CHANGE):​
D​ ate​
F​ ebruary 2, 2026​
​February 9, 2026​
F​ ebruary 23, 2026​
M​ arch 2, 2026​
M​ arch 3, 2026 (tentative)​
M​ arch 3, 2026​
​5 years from date of execution​
​Activity/Time​
​Request for Proposal Released​
​Deadline for Bidder’s Pre-Application Questions​
D​ ue Date of Application- NO EXCEPTIONS 5:00 PM (CT)​
​Selection by Selection Committee​
​Notification of Award​
​Tentative Contract Start Date​
​Proposed Contract End Date​
I​ .​ ​Purpose and Intent​
T​ he​ ​City​ o​ f​ ​St.​ ​Louis​ ​Office​ o​ f​ t​he​ C​ omptroller​ s​ eeks​ p​ roposals​ ​for​ i​ndependent​ ​actuarial​
s​ ervices for workers compensation loss reserves.​
T​ he​p​ urpose​o​ f​​this​R​ FP​i​s​t​o​​promote​a​ nd​e​ nsure​​the​​fairest,​m​ ost​​efficient​m​ eans​​to​​obtain​​the​
b​ enefits​ o​ f​ ​the​ m​ ost​ ​qualified,​ ​responsive,​ a​ nd​ r​esponsible​ p​ roposal.​​Hereinafter,​​organizations​
i​nterested in submitting a proposal in response to this RFP shall be referred to as “Respondents.”​
I​ssuing​a​ n​R​ FP​d​ oes​​not​​obligate​​the​​City​​of​S​ t.​L​ ouis​t​o​a​ ward​​a​c​ ontract​​to​a​ ny​p​ rovider,​n​ or​​is​
t​he​ ​City​ o​ f​ ​St.​ ​Louis​ o​ r​ ​any​ ​of​ ​its​ e​ mployees​ o​ r​ a​ gents​ l​iable​ f​or​ a​ ny​ ​loss,​ ​costs,​ d​ amage,​ ​or​
l​iability​ o​ f​ w​ hatever​ n​ ature​ ​incurred​ ​by​ ​the​ ​organizations​ i​n​ ​the​ p​ reparation​ ​of​ ​proposals.​
N​ othing​ ​in​ ​this​ R​ FP​ ​nor​ i​n​ a​ ny​ p​ roposal​ ​in​ r​esponse​ ​to​ ​this​R​ FP​i​s​i​ntended​​to​b​ e,​​nor​​should​
a​ nything​ ​be​ ​construed,​ ​as​ a​ n​ ​offer​ o​ f​ e​ ngagement,​ ​nor​ s​ hall​ t​he​ s​ election​ ​of​ a​ ​ R​ espondent​ b​ e​
c​ onstrued​ ​as​ ​an​ o​ ffer​ o​ f​ e​ ngagement​ u​ nless​ ​and​ ​until​ ​a​ ​contract​ ​is​ ​fully​ ​negotiated​ ​and​ ​fully​
​executed​ ​by​ ​all​ ​parties.​ ​The​ C​ ity​ r​etains​ t​he​ r​ight​ ​to​ a​ ward​ ​parts​ ​of​ ​the​ c​ ontract​ t​o​ s​ everal​
b​ idders, not to select any bidders, and/or to re-solicit proposals.​
T​ he​​City​​reserves​t​he​r​ight​t​o​r​eject​a​ ny​a​ nd​a​ ll​​proposals​s​ ubmitted​a​ nd​​to​​waive​​any​a​ nd/or​a​ ll​
n​ on-material​i​rregularities​p​ ertaining​​to​​the​​submission​​of​​the​p​ roposal.​A​ dditionally,​​any​a​ nd​a​ ll​
R​ FP​ ​project​e​ lements,​​requirements,​a​ nd​​schedules​​are​s​ ubject​t​o​c​ hange​​and​m​ odification.​​The​
C​ ity​ ​also​ r​eserves​ t​he​ ​right​ t​o​ m​ odify,​ s​ uspend,​ ​or​ t​erminate​ ​at​ ​its​ s​ ole​ d​ iscretion​ ​any​ ​and​ a​ ll​
a​ spect(s)​ ​of​ t​he​​RFP​p​ rocess​t​o​​obtain​​further​i​nformation​f​rom​a​ ny​​and​​all​r​espondents,​a​ nd​​to​
​waive​ ​any​ d​ efects​ ​as​ ​to​ ​form​ ​or​ ​content​ ​of​ t​he​ ​RFP​ ​or​ a​ ny​ r​esponses​ ​by​ a​ ny​
​organization/business.​
​Any​s​ uch​m​ odification,​​clarification,​​or​​revision​w​ ill​b​ e​b​ y​​addendum.​​All​R​ FP​​addenda​w​ ill​​be​
​issued​ o​ n​ ​the​ ​City​ ​website.​ ​To​ ​access​ ​addenda,​ ​Respondents​ m​ ust​ ​locate​ “​ RFP​ ​for​ ​Actuarial​
​Services​ f​or​ W​ orkers​ ​Compensation”​ a​ t​ t​he​ ​following​ ​address:​
​https://www.stlouis-mo.gov/government/procurement.cfm​.​ ​It​ i​s​ ​the​ s​ ole​ r​esponsibility​ ​of​
​Respondents​t​o​b​ e​​knowledgeable​o​ f​​all​a​ ddenda​​related​t​o​​this​​RFP.​​This​​RFP​m​ ay​b​ e​c​ anceled​
​3​
​at​ a​ ny​ ​time​ a​ nd​ a​ ny​ a​ nd​ ​all​ p​ roposals​ m​ ay​ b​ e​ ​rejected,​ ​in​ w​ hole​ o​ r​ ​in​ p​ art,​ w​ hen​ ​the​
C​ omptroller’s​ ​Office​ ​determines​ i​t​ i​s​ i​n​ ​the​ ​best​ i​nterest​ ​of​ t​he​ C​ ity​ a​ nd​ ​/or​ t​he​​Comptroller’s​
O​ ffice.​ A​ ll​​submitted​​materials​​will​​become​t​he​p​ roperty​​of​t​he​C​ ity​a​ nd​w​ ill​n​ ot​b​ e​​returned.​A​ t​
t​he​​discretion​o​ f​t​he​C​ ity,​​any​s​ ubmitted​d​ ocuments​m​ ay​​become​​open​p​ ublic​r​ecords​​at​a​ ny​​time​
d​ uring​ ​the​ s​ election​ p​ rocess.​ A​ ny​ ​such​ ​documents​ s​ hall​ ​become​ o​ pen​ p​ ublic​ r​ecords​ ​at​ ​the​
​conclusion​o​ f​t​he​s​ election​p​ rocess.​​Proposals​​and​c​ ommunications​​exchanged​i​n​r​esponse​t​o​t​his​
​RFP​s​ hould​b​ e​a​ ssumed​​to​b​ e​​subject​t​o​​public​​disclosure.​B​ y​s​ ubmitting​a​ ​​response​​to​​this​​RFP,​
​each​ R​ espondent​ ​acknowledges​ h​ aving​​read​t​his​R​ FP​​in​​its​​entirety​a​ nd​​agrees​t​o​​all​t​erms​​and​
​conditions set out in this RFP.​
​Respondents​ ​may​ s​ ubmit​ a​ mended​ ​proposals​ ​before​ t​he​ d​ eadline​ ​for​ r​eceipt.​ S​ uch​ a​ mended​
​proposals​ ​must​ b​ e​ ​complete​ ​replacements​ f​or​ a​ ​ ​previous​ ​submission​ ​and​ ​must​ b​ e​ ​clearly​
​identified​ ​as​ ​such​ ​in​ ​the​ ​transmittal​ ​letter.​ T​ he​ ​Comptroller’s​ ​Office​​will​n​ ot​​merge,​​collate,​​or​
​assemble​ ​the​ R​ espondent’s​ ​materials.​R​ espondents​​are​p​ ermitted​​to​​withdraw​​their​s​ ubmissions​
​at​ ​any​ t​ime​ ​prior​ ​to​ t​he​ ​deadline​ f​or​ ​receipt.​ ​Respondents​ ​must​ ​submit​ ​a​ ​written​ w​ ithdrawal​
​request​ s​ igned​ ​by​ ​the​ R​ espondent’s​ ​duly​ ​Authorized​ R​ epresentative(s)​ a​ ddressed​ t​o​ ​the​
​Comptroller’s Office.​
​II.​ C​ ontact Person & Questions​
​Please​ d​ irect​ a​ ll​ ​communications​ ​regarding​ ​the​ ​RFP​ P​ rocess​ ​to:​ ​cullinse@stlouis-mo.gov.​ N​ o​
​contact​ ​with​ o​ ther​ ​City​ ​employees​ ​regarding​ ​this​ R​ FP​ ​is​ p​ ermitted.​ U​ nauthorized​ c​ ontact​
​regarding this RFP may result in disqualification or rejection of a proposal.​
​Questions​ m​ ust​ b​ e​ ​submitted​ ​no​ l​ater​ ​than​ ​12:00pm,​ n​ oon,​ ​on​ ​February​ 2​ 3,​ 2​ 026.​ ​The​
​Comptroller’s​O​ ffice​​will​m​ aintain​a​ ​​list​o​ f​​all​f​irms​​or​​individuals​r​equesting​c​ opies​o​ f​t​he​R​ FP​
​and​ ​will​ e​ nsure​ ​that​ c​ opies​ ​of​​all​​questions​​and​r​esponses​s​ hall​b​ e​​made​​available​i​n​w​ riting​t​o​
​each​ f​irm​ o​ n​ ​such​ ​list,​ w​ hen​ r​equested.​ A​ nswers​ w​ ill​ a​ lso​ ​be​ ​publicly​ p​ osted​ a​ t​
​https://www.stlouis-mo.gov/government/procurement.cfm​.​
​Questions​ ​should​ b​ e​ a​ sked​ i​n​ ​consecutive​ ​order,​ ​from​ b​ eginning​ t​o​ e​ nd,​ ​following​ ​the​
​organization​ o​ f​ ​this​ R​ FP.​E​ ach​q​ uestion​​should​​begin​b​ y​​referencing​t​he​R​ FP​p​ age​​number​​and​
​section​ n​ umber​ t​o​ w​ hich​ ​it​ ​relates.​ ​Short​ p​ rocedural​ i​nquiries​ ​may​ b​ e​ a​ ccepted​ ​by​ t​elephone;​
​however,​​oral​e​ xplanations​o​ r​​instructions​g​ iven​​over​​the​t​elephone​​shall​​not​​be​​binding​u​ pon​​the​
​Comptroller’s​ ​Office.​ ​Respondents​ s​ hould​ n​ ot​ o​ therwise​ c​ ontact​ ​the​ C​ omptroller’s​ ​Office​
d​ irectly, in person, by telephone, facsimile, or by e-mail, concerning this RFP.​
C​ ontact​ ​with​ ​the​ C​ omptroller’s​ ​Office​ ​after​ ​the​ s​ ubmission​ ​of​ p​ roposals​ ​is​ l​imited​ ​to​ s​ tatus​
i​nquiries​ o​ nly​ a​ nd​ s​ uch​ ​inquiries​ a​ re​ ​only​ ​to​ b​ e​ d​ irected​ ​to​ ​the​ a​ bove-named​ ​individual.​ A​ ny​
f​urther​​contact​​or​i​nformation​a​ bout​​the​​RFP​t​o​​the​​Comptroller’s​O​ ffice​o​ r​a​ ny​​of​​its​e​ mployees​
o​ r​ a​ ny​ S​ election​ C​ ommittee​ ​Members​ ​will​ b​ e​ c​ onsidered​​an​i​mpermissible​​supplementation​o​ f​
t​he respondent’s proposal.​
​4​
​III.​ ​Submission & Deadline​
​In​ ​order​ f​or​ t​he​ ​Comptroller’s​ O​ ffice​ t​o​ ​consider​ ​proposals,​ ​Respondent’s​ ​submission​ ​must​ ​be​
r​eceived by:​
D​ ate:​
​February 23, 2026​
​Time:​
5​ :00 P.M. CT​
​Submit by email to:​ c​ ullinse@stlouis-mo.gov​
P​ roposals received after this deadline will not be accepted.​
I​ V.​ R​ equired Qualifications & Certifications​
T​ he​​City​w​ ishes​t​o​c​ ontract​w​ ith​a​ ​f​irm​​providing​a​ ctuarial​​services​​with​​substantial​​expertise​​in​
w​ orkers’​​compensation​p​ rograms.​ T​ he​r​espondent​​must​​have​a​ t​​least​​five​​years​​of​​experience​​as​
a​ ​ v​ endor​ i​n​ p​ roviding​ t​he​ ​type​ a​ nd​ s​ cope​ ​of​ ​actuarial​ c​ onsulting​ s​ ervices​ f​or​ ​self-insured​
w​ orkers’​ ​compensation​ p​ rograms​ ​to​ ​be​ ​procured​ t​hrough​ t​his​ ​competitive​ p​ rocess.​ ​The​
r​espondent​m​ ust​​provide​s​ ufficient​​detail​​to​d​ emonstrate​​it​h​ as​s​ ignificant​​experience​i​n​w​ orking​
w​ ith​p​ rograms​s​ imilar​​in​​size​​and​​complexity​​by​​providing​c​ lient​​references​​and​p​ rovide​c​ opies​
o​ f​ c​ ertificates​ s​ howing​ ​the​ ​applicable​ ​consulting​ a​ ctuary​ ​has​ ​the​ ​credentials​ r​equired​ ​for​ ​this​
a​ nalysis.​
​V.​ S​ ​cope of Services​
​The​ C​ ity​ o​ f​ S​ t.​ ​Louis​ ​self-funds​ i​ts​ w​ orkers​ ​compensation​ ​program​ ​except​ ​for​ ​per-occurrence​
​claims​ c​ overed​ ​by​ a​ n​ ​excess​ w​ orkers​ ​compensation​ p​ olicy.​ T​ he​ ​City​ ​uses​ ​Cannon​ ​Cochran​
​Management Services, Inc. for third-party claims management and administration.​
​The selected vendor shall prepare​
​1.​ ​an​ ​estimate​ o​ f​ t​he​ u​ npaid​ l​oss​ ​and​ ​loss​ a​ djustment​ e​ xpense​ o​ bligations​ o​ f​ ​the​
C​ ity’s​​self-insurance​w​ orkers’​c​ ompensation​p​ rogram​f​or​t​he​C​ ity​​of​S​ t.​L​ ouis​a​ s​
​of June 30 each year for the duration of the contract period;​
​2.​ a​ n​ e​ stimate​ o​ f​ ​the​ u​ npaid​ ​loss​ ​and​ l​oss​ a​ djustment​ e​ xpense​ ​obligations​ ​of​ t​he​
s​ elf-insurance​ ​workers’​ ​compensation​ p​ rogram​ ​for​ t​he​ C​ ity​ ​of​ ​St.​ ​Louis​ P​ olice​
D​ ivision as of June 30 each year for the duration of the contract period; and​
​5​
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