2021 Tennessee Code
Part 4 - Premiums
§ 50-7-403. Experience Rating for Employers

01–09 Agriculture
10–14 Mining
15–17 Construction
20–39 Manufacturing
40–49 Transportation
50–59 Trade
60–67 Finance, Insurance, Real Estate
70–89 Services
A separate reserve ratio is determined for each classification by totaling all premiums paid by all employers within the same classification for all years during which these employers have been subject to this chapter and subtracting the total of all benefits charged to the accounts of those employers for all years. The difference shall be divided by the average taxable payrolls of those employers for the three (3) most recent calendar years, ending on the computation date. The new employer premium rate shall be two and seven tenths percent (2.7%) for each twelve-month period beginning July 1, except when the industry or business of the new employer falls within a classification of the SIC Code that has a reserve ratio of minus four percent (-4%) or less. In those instances only, the new employer premium rates shall be determined for each twelve-month period beginning July 1, by matching the reserve ratios to the appropriate premium rates in premium rate table 1, 2, 3, 4, 5 or 6 of subsection (g). This new employer premium rate will be assigned for each tax rate year beginning July 1, until the employer's individual account has been chargeable with benefits and subject to premiums throughout the thirty-six (36) consecutive calendar month period ending on the computation date.
The two-digit NAICS and the code numbers and the industries or businesses within each classification are:
11 Agriculture, Forestry, Fishing, Hunting
21 Mining
22 Utilities
23 Construction
31 Manufacturing — food, beverage, tobacco products, textile, apparel, leather and allied product manufacturing
32 Manufacturing — wood, paper, printing and related support services, petroleum and coal products, chemical, plastics and rubber, nonmetallic mineral product manufacturing
33 Manufacturing — primary metal, fabricated metal, machinery, computer and electronic products, electrical equipment, appliances and components, transportation equipment, furniture and related products, miscellaneous manufacturing
42 Wholesale Trade
44 Retail Trade — motor vehicle and parts dealers, furniture and home furnishings, electronics and appliances, building material and garden equipment, food and beverage, health and personal care, gasoline stations, clothing and clothing accessories stores
45 Retail Trade — sporting goods, hobby, book and music stores, general merchandise, miscellaneous store retailers, nonstore retailers
48 Transportation and Warehousing — air, rail, water, truck, transit and ground passenger, pipeline, scenic and sightseeing transportation, support activities for transportation
49 Transportation and Warehousing — postal service, couriers and messengers, warehousing and storage
51 Information — publishing, motion picture and sound recording, broadcasting and telecommunications, information services and data processing
52 Finance and Insurance
53 Real Estate and Rental and Leasing
54 Professional, Scientific and Technical Services
55 Management of Companies and Enterprises
56 Administrative and Support and Waste Management and Remediation Services
61 Educational Services
62 Health Care and Social Assistance
71 Arts, Entertainment and Recreation
72 Accommodation and Food Services
81 Other Services, except Public Administration
[Effective until January 1, 2021.]
PREMIUM RATE CHART FOR NONGOVERNMENTAL EMPLOYERS Reserve Ratio Percent Premium Table 1 Trust Fund under $450 Million Premium Table 2 Trust Fund $450 to under $525 million Premium Table 3 Trust Fund $525 to under $650 million Premium Table 4 Trust Fund $650 to under $750 million Premium Table 5 Trust Fund $750 to under $850 million Premium Table 6 Trust Fund $850 million and over 20.0 and over 0.50 0.45 0.40 0.30 0.15 0.01 18.0 and less than 20.0 0.70 0.65 0.55 0.35 0.20 0.05 16.0 and less than 18.0 0.90 0.70 0.65 0.40 0.25 0.10 14.0 and less than 16.0 1.10 0.75 0.70 0.45 0.32 0.17 12.0 and less than 14.0 1.30 1.20 1.00 0.50 0.40 0.25 11.0 and less than 12.0 1.60 1.40 1.20 0.75 0.60 0.30 9.5 and less than 11.0 2.10 1.80 1.50 1.00 0.80 0.50 8.0 and less than 9.5 2.50 2.10 1.80 1.20 1.00 0.70 7.0 and less than 8.0 2.90 2.50 2.10 1.50 1.30 1.00 6.0 and less than 7.0 3.30 2.80 2.40 1.80 1.60 1.30 5.0 and less than 6.0 3.80 3.20 2.65 2.10 1.90 1.60 2.7 and less than 5.0 4.10 3.50 3.00 2.40 2.20 1.90 0.0 and less than 2.7 4.50 3.90 3.30 3.00 2.60 2.30 Less than 0.0 and more  than -2.0 5.00 5.00 5.00 5.00 5.00 5.00 -2.0 and more than -4.0 5.50 5.50 5.50 5.50 5.50 5.50 -4.0 and more than -6.0 6.00 6.00 6.00 6.00 6.00 6.00 -6.0 and more than -8.0 6.50 6.50 6.50 6.50 6.50 6.50 -8.0 and more than -10.0 7.00 7.00 7.00 7.00 7.00 7.00 -10.0 and more than -12.0 7.50 7.50 7.50 7.50 7.50 7.50 -12.0 and more than -14.0 8.00 8.00 8.00 8.00 8.00 8.00 -14.0 and more than -16.0 8.50 8.50 8.50 8.50 8.50 8.50 -16.0 and more than -18.0 9.00 9.00 9.00 9.00 9.00 9.00 -18.0 and more than -20.0 9.50 9.50 9.50 9.50 9.50 9.50 -20.0 and under 10.00 10.00 10.00 10.00 10.00 10.00
Click to view PREMIUM RATE CHART FOR NONGOVERNMENTAL EMPLOYERS
Variations from the standard rate of contributions for governmental employers referred to in § 50-7-207(b)(3)(A) and (B) shall be determined by the reserve ratio of each governmental employer in accordance with the premium rate chart for governmental employers set forth below.
PREMIUM RATE CHART FOR GOVERNMENTAL EMPLOYERS
Reserve Ratio Percent Premium Rate Percent
8.0 and over       0.3
7.0 and less than 8.0   0.4
6.0 and less than 7.0   0.6
5.0 and less than 6.0   0.8
4.0 and less than 5.0   1.0
3.0 and less than 4.0   1.2
2.0 and less than 3.0   1.4
1.5 and less than 2.0   1.5
1.0 and less than 1.5   1.6
0.5 and less than 1.0   1.7
0.0 and less than 0.5   1.8
Less than 0.0 and more than -3.5            2.0
-3.5 and more than -7.0  2.2
-7.0 and more than -10.0  2.4
-10.0 and more than -13.0                2.7
-13.0 and under     3.0