---
title: MAT Dividends
description: MAT Dividend Chart
---

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# 2026 Dividends

FACTS AND FIGURES

- **$16 Million** in **dividends** generated to members since inception
- Lifetime average **dividend over 12% of premium**
- **Upfront premium savings**: applied **premium discounts**, **volume discounts** and **reduced policy fees**<https://landing.coverisk.com/hubfs/NH%20Grocers%20Association%20Benefits%202025.pdf?utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz--Far3N9RrpFz4lYaYpNUnKdCTuVfHLJiCd0Yi7_0MPPkVsyxaZZX9JKoWpFm7-Z327q_JC&hsLang=en>
- **Massachusetts-based Claims Management and Safety Consulting Services from industry expert, Cove Risk**

![MAT Dividend 9 9 26](https://landing.coverisk.com/hubfs/MAT%20Dividend%209%209%2026.png "MAT Dividend 9 9 26")

### How are Dividends Disbursed?

Cove Risk Services took over the administration of the group in 2003, changing the format from an individual dividend retro plan to a group dividend plan. In 2012 the plan was amended to include a 10% of premium risk share corridor for members with high loss ratios. These members are still eligible to receive the group wide dividend, and the 10% risk share will be deducted from the dividend. As a result of implementing the risk share corridor, the dividend percentages for the group have grown, producing favorable surplus for the members. 

Members become eligible for dividends beginning with original policy inception. In accordance with state regulations, dividends may be dispersed following 3 years of claim maturity, in 4 annual installments of 25%. Dividends are based on available group surplus and must be approved by the Group’s Board of Trustees. All members are eligible for dividends, regardless of claims experience or application of risk sharing corridor. Each member receives the same dividend percentage applied to the member’s audited premium. Dividends are not guaranteed and percentages can change due to claims developments over time. 

 

\*Past dividend history is no guaranty of future results.

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