Pool the risk. Not the accounting.
Risk pools serve counties, cities, school districts, and special districts - often dozens of members under one program. MSOFT keeps each member's claims, reserves, payments, and allocations distinct while still giving the pool a single operational view.
A pool's software has to do two contradictory things: aggregate claims so the pool's examiner desk works efficiently, and disaggregate every dollar so member reports, actuarial studies, and cost-share allocations reconcile to the penny. MSOFT is built around that tension.
What matters most for pools
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Member-level accounting
Every claim, reserve movement, and payment is tagged to a specific member. Roll up by member, by fund year, by coverage line.
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Member-tagged accounting
Every claim, reserve movement, and payment is tagged to a member out of the box, so cost-share reporting and fund-year rollups reconcile without spreadsheet exports.
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Actuarial reporting
Standard loss triangles, incurred/paid/reserved by accident year and by member. Direct export to CSV/XLSX for the pool's actuary.
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Member portals
MSOFTMobile serves each member's HR/risk manager with a view scoped to their own claims. No cross-member visibility.
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State reporting
Every pool operating in California needs WCIS. MSOFT ships CA WCIS packet generation with the DWC business rules baked in.
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Financial audit
Every check, every reserve movement, every voided payment traceable back to the examiner and the timestamp. Pass a financial audit without spreadsheets.
Reserve every claim to a member. Not a bucket.
Most pools inherit accounting from carriers that never had to disaggregate by member. MSOFT is built from the ground up around member-tagging - the primary key on every claim, reserve, and payment. Allocation formulas run in-app, not in Excel.