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§9.2.5

Group and Cohort Bands

Bands over stacked grids—one table or one per band?

✅ NormativeSettled. The requirement holds as written.📄 Page ruleCan be applied from the page alone.Read §9.2.5 in the RFC ↗

The requirement

Bands over stacked grids resolve on one question: is there a shared row spine? Grids sharing one spine MUST be rendered as one table. Grids with no shared spine and no column headers MUST be rendered as one table per band, with the band as that table's header row.

When it applies

Shared spine No shared spine
Row spine one continuous spine, shared label column repeated, independent per band
Column headers present, often with a numbered tier absent entirely
Rendering one table one table per cohort, band becomes its header row

The row spine is checked first, then the column headers. Those two signals decide it; the bands themselves look identical in both cases.

Reading the examples. Each one pairs a source page with the output the rule expects. ✅ Sample: the rule applies. ❌ Counter-sample: it looks like it applies and does not, or a rendering got it wrong. A non-conforming output, in red, is shown only for contrast. … marks content left out of an excerpt.

Group bands over a shared spine — one table

Two boxed group headers sitting over one continuous row grid that shares a left label column MUST be rendered as a single table.

Sketch of the printed page — layout, not output
|        | Loss of Income | Other         |  ← two boxed bands
| (1)    | (2)   | (3)    | (4)   | (5)   |  ← full-width numbered tier
| 2019   | 1,204 | 887    | 310   | 95    |  ← one shared row spine

The decisive signal

A full-width numbered tier is proof of single-table semantics.

If (1)…(13) runs across the whole width, the page is asserting that all those columns describe one row. Splitting there loses the row identity that spans the groups — the fact that 2019's Loss-of-Income figures and its Other figures belong to the same year.

  • The group bands MUST be rendered as spanning cells over their column ranges.
  • The numbered tier MUST be kept as a header row, not dropped as decoration. See Barely-Existing Columns and Headers (§9.3.1) — dropping the numbered tier as noise also destroys the evidence that the table is one table.
01

✅ SampleThe rule applies

Full-width Year Ended… bands sharing one header and column spine across three fiscal…yef

The currency sign is printed with a space before the figure, and that space is kept.

Source page
Group and Cohort Bands — Full-width Year Ended… bands sharing one header and column spine across three fiscal…. Source page.
Expected output · excerpt
(in millions) Willowbrook Segment Corporate, Support and Other Total
Year Ended February 1, 2025
Net sales $ 17,565.8 $ — $ 17,565.8
Cost of sales 11,284.1 — 11,284.1
Gross Profit 6,281.7 — 6,281.7
Other revenue 0.1 12.6 12.7
Selling, general and administrative expenses 4,193.2 639.2 4,832.4
Operating income (loss) 2,088.6 (626.6) 1,462.0
Interest expense, net 107.5
Other (income) expense, net (29.1)
Income from continuing operations before income taxes $ 1,383.6
Depreciation and amortization expense $ 488.9 $ 38.0 $ 526.9
Capital expenditures $ 1,262.2 $ 38.3 $ 1,300.5
Year Ended February 3, 2024
Net sales $ 16,770.3 $ — $ 16,770.3
…
Group and Cohort Bands · Source page

Full-width Year Ended… bands sharing one header and column spine across three fiscal…

Group and Cohort Bands — Full-width Year Ended… bands sharing one header and column spine across three fiscal…. Source page.
02

✅ SampleThe rule applies

Revenues10k1

Revenues, Earnings from operations, Operating margin bands over one shared segment spine — MerevaldCare, Vantage Health, Vantage Insight, Vantage Rx. The three Vantage lines and the eliminations line under MerevaldCare are indented one step; the consolidated rows are bold totals.

Source page
Group and Cohort Bands — Revenues. Source page.
Expected output · excerpt
For the Years Ended December 31, Change
(in millions, except percentages) 2030 2029 2028 2030 vs. 2029
Revenues
MerevaldCare $ 301,450 $ 284,900 $ 252,100 $ 16,550 6%
Vantage Health 108,200 97,650 73,300 10,550 11
Vantage Insight 19,300 19,480 15,010 (180) (1)
Vantage Rx 137,000 119,400 102,650 17,600 15
Vantage eliminations (4,520) (3,810) (2,840) (710) 19
Vantage 260,980 232,720 188,120 27,260 12
Eliminations (162,300) (146,700) (116,700) (15,600) 11
Consolidated revenues $ 400,130 $ 370,920 $ 323,520 $ 29,210 8%
Earnings from operations
MerevaldCare $ 15,820 $ 16,650 $ 14,590 $ (830) (5)%
…
Group and Cohort Bands · Source page

Revenues

Group and Cohort Bands — Revenues. Source page.
03

✅ SampleThe rule applies

Bold Issue Year / Issue Age / Attained Age bands over one shared column spine3samehead

Bold Issue Year / Issue Age / Attained Age bands over one shared column spine — one table, three cohorts. Each band is a full-width row. The last Issue Year row prints 32031.9% in the last column, and that is the value recorded.

Source page
Group and Cohort Bands — Bold Issue Year / Issue Age / Attained Age bands over one shared column spine. Source page.
Expected output · excerpt
Count % of Count Premium % of Premium
Issue Year
1999 80 3.5% 217,072 3.2%
2000 316 13.7% 964,763 14.2%
2001 374 16.2% 1,091,387 16.0%
2002 733 31.8% 2,110,680 31.0%
2003 570 24.7% 1,695,230 24.9%
2004+ 234 10.1% 738,975 32031.9%
Total 2,307 100.0% 6,818,108 100.0%
Issue Age
<30 4 0.2% 4,451 0.1%
…
Group and Cohort Bands · Source page

Bold Issue Year / Issue Age / Attained Age bands over one shared column spine

Group and Cohort Bands — Bold Issue Year / Issue Age / Attained Age bands over one shared column spine. Source page.

Cohort bands with no column headers — one table per cohort

Same-shape grids stacked under cohort bands, with no column headers anywhere:

Sketch of the printed page — layout, not output
FEMALE
| 25 | 1.02 | 1.10 |
MALE
| 25 | 1.08 | 1.15 |

One table per cohort. The band becomes that table's header row.

Fusing these into a single table loses the row headers: with the bands demoted to ordinary rows, nothing says which block is female and which is male.

The band is a header here precisely because nothing else is — it is the only thing naming what the rows below it are.

04

✅ SampleThe rule applies

Five title bands (2/3/4/5/6 Year Benefit Period)5t

Five title bands (2/3/4/5/6 Year Benefit Period), each over its own block repeating the same Issue Age spine: five tables, each band as its table's first header row.

Source page
Group and Cohort Bands — Five title bands (2/3/4/5/6 Year Benefit Period). Source page.
Expected output · excerpt, table 1 of 5
2 Year Benefit Period
No Inflation Protection 3% Compound Inflation protection 5% Compound Inflation protection
Issue Age Premium Gross Valuation Premium Renewal Expenses Test Value Pass/Fail Gross Premium Valuation Premium Renewal Expenses Test Value Pass/Fail Gross Premium Valuation Premium Renewal Expenses Test Value Pass/Fail Issue Age
42 $519.87 $236.69 $130.75 $152.43 Pass $1,200.89 $722.54 $231.38 $246.97 Pass $2,710.07 $1,693.65 $449.41 $567.01 Pass 42
47 $583.82 $300.61 $142.01 $141.20 Pass $1,316.52 $798.87 $249.92 $267.73 Pass $2,731.13 $1,719.19 $456.52 $555.42 Pass 47
52 $678.88 $388.43 $158.48 $131.97 Pass $1,441.27 $886.15 $270.91 $284.21 Pass $2,736.58 $1,721.59 $461.87 $553.12 Pass 52
…
77 $1,226.89 $558.59 $308.57 $359.73 Pass $2,834.10 $1,705.19 $546.06 $582.85 Pass $6,395.77 $3,997.01 $1,060.61 $1,338.14 Pass 77
Group and Cohort Bands · Source page

Five title bands (2/3/4/5/6 Year Benefit Period)

Group and Cohort Bands — Five title bands (2/3/4/5/6 Year Benefit Period). Source page.
05

✅ SampleThe rule applies

Each rating class (0034 / 0035 / 0036) is its own titled cohort block, stacked3tables2

the class number and name form the first header row of each class table, and a separate credibility grid follows each. CLASS and its number are printed on two lines in a cell wide enough for one, and the industry and hazard groups are two separate lines.

Source page
Group and Cohort Bands — Each rating class (0034 / 0035 / 0036) is its own titled cohort block, stacked. Source page.
Expected output · excerpt, the class 0034 table
CLASS
0034
FARM: POULTRY OR EGG PRODUCER & DRIVERS
Industry Group: Goods and Services
Hazard Group: D
CONVERTED LOSSES
INDEMNITY LIKELY INDEMNITY NOT-LIKELY MED LIKELY AMOUNT MED NOT-LIKELY AMOUNT TOTAL AMOUNT TOTAL PURE PREM.
POLICY PERIOD PAYROLL CASES AMOUNT CASES AMOUNT
3/18 through 2/19 14,448,797 0 0 14 155,528 0 194,420 349,948 2.422
3/19 through 2/20 17,615,203 2 82,335 6 35,868 50,950 85,546 254,699 1.446
3/20 through 2/21 17,172,385 6 287,460 11 248,762 170,700 211,880 918,802 5.351
3/21 through 2/22 18,522,883 0 0 8 97,842 0 176,515 274,357 1.481
3/22 through 2/23 17,213,995 0 0 7 66,407 0 122,457 188,864 1.097
5 YR. TOTAL 84,973,263 8 369,795 46 604,407 221,650 790,818 1,986,670 2.338

…

Group and Cohort Bands · Source page

Each rating class (0034 / 0035 / 0036) is its own titled cohort block, stacked

Group and Cohort Bands — Each rating class (0034 / 0035 / 0036) is its own titled cohort block, stacked. Source page.

Keeping the two apart

The two shapes look alike from a distance and resolve in opposite directions, so both checks are run deliberately:

  • Does the left label column run continuously through both bands, unrepeated? → one table.
  • Does each band restart the same labels under it, with no column headers printed anywhere? → one table per band.

Date bands and shading changes inside a single grid are a different question again — see Bands Inside the Grid (§9.2.1).

Look-alike

Two similar pages that call for different decisions. Synthetic, for teaching the boundary.

Same-shaped grids stacked under bands. One table, or one per band?

A

Shared row spine

20242023
Revenues
Optum Health105,35895,319
Optum Rx133,231116,087
Operating margin
Optum Health6.2%7.0%
The convention

One table. Bands become spanning rows.

B

No column headers anywhere

FEMALE
251.021.10
351.081.15
MALE
251.081.15
351.141.22
The convention

One table per cohort. The band is its header row.

Look at the structure. What evidence changes the answer?

More

Rule id tables-group-and-cohort-bands · tables boundaries headers