National Association of Insurance Commissioners (NAIC) groups that write at least 0.5 percent of the California workers’ compensation market, as determined by written pure premium in the most recent calendar year, are required to submit California indemnity transaction data to the WCIRB using the First and Subsequent Reports of Injury (FROI/SROI) record layouts. Once an NAIC group is required to submit indemnity transaction data, it will continue to be required to report data even if its California market share declines to less than 1 percent.