The Workers Compensation Insurance Rating Bureau of California wants to emphasize the actual costs behind the state's workers' compensation rates, prompting the bureau to submit an informational filing instead of a rate filing to the state Insurance Department. This came as the bureau found the state faces a 40% inadequacy in pure premium rates. "The workers' comp market in terms of insurers is on the cusp of very challenging times. Remember the reforms are seven years old. It's difficult within the system (for insurers) to figure out how to make money," said Mark Sektnan, president of the Association of California Insurance Cos., a PCI affiliate.