Which of the Following Statements Is True About the Residual

Which of the following statements is true about the residual market?

A) Premium rates for insureds in this market are higher than those of the voluntary market.
B) Firms that qualify for insurance based on normal underwriting guidelines and premiums can buy insurance through this market.
C) Operating losses in this market is lesser than operating losses in an assigned risk plan.
D) Gains in this market can be 15 to 30 or more of premiums for employers insured in the voluntary market.
E) Firms self-insure rather than opting for insurance in this market to retain profits obtained through self-insurance.