WHITE OAK TRANSPORTATION INC
DECATUR, AL
Joins 577 roadside inspections (24 mo), 1 authority docket, BIPD on file (Travelers Indemnity Co of Connecticut) from FMCSA public filings. Data as of Oct 25, 2026. Booking triage is above; confirm on SAFER before tendering.
Book with caution — review signals below
No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.
Plain-text risk summary (print / paste)
TruckCodex risk summary — WHITE OAK TRANSPORTATION INC (USDOT 804716) Verdict: CAUTION Book with caution — review signals below No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking. Authority / census status: Active Blockers: (none) Cautions: • OOS mixed vs peers — Driver 0.60% (better, peer 1.00%) · Vehicle 21.5% (worse, peer 16.1%) — one mixed line, not dual better/worse claims. • 1 fatality on crash record — 250 FMCSA-reportable crashes on file. On file: • 1 active operating authority • Active insurance on file — Travelers Indemnity Co of Connecticut · BMC-91X • BOC-3 process agent on file — PROCESS AGENT SERVICE COMPANY, INC. • Satisfactory FMCSA safety rating Source: https://truckcodex.com/usdot/804716/ As of: Oct 25, 2026 Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.
FMCSA census as of Oct 25, 2026 · Sources · Freshness · Methodology · Disclaimer
TruckCodex · filing & peer scorecard
TruckCodex filing & peer scorecard · A
Composite of 5/5 scored components (mean 88/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
A
confidence 100% · 5/5 signals · expand
TruckCodex filing & peer scorecard · A
Composite of 5/5 scored components (mean 88/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
Active census status with no OOS order or revoked authority on file.
Active BIPD/Primary-like policy on file in our insurance history.
Driver OOS 0.6% vs peer median 1% (better). Vehicle OOS 21.5% vs peer median 16.1% (worse). n=2763 same-size ACTIVE peers.
Official FMCSA Satisfactory safety rating.
No BMC-91 insurance-lapse watch classification on file for this USDOT.
TruckCodex filing & peer scorecard from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not a booking verdict and not legal advice. See methodology. Booking triage on this page: Caution.
Recent changes
- Company officer 2 MICHAEL LIMBAUGH → CHANDRA JOHNSON · Oct 19, 2026 · FMCSA Company Census
- Company officer CHANDRA JOHNSON → MICHAEL LIMBAUGH · Oct 19, 2026 · FMCSA Company Census
Company profile
No active FMCSA cargo filing on file.
FMCSA L&I filing evidence — not a shipper certificate of insurance (COI). Cargo (BMC-34) is primarily an HHG / household-goods requirement; general freight carriers often have none.
No active broker surety bond or trust fund on file.
BMC-84 is a surety bond; BMC-85 is a trust-fund agreement. Required for property brokers / freight forwarders — not motor-carrier BIPD liability insurance.
Based on FMCSA authority grant of 1999-07-12 (2,000+ days). Published gates only — not a guarantee they will accept. Confirm with the broker.
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InsuranceTravelers Indemnity Co of ConnecticutPolicy effective Oct 1, 2015
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Process AgentPROCESS AGENT SERVICE COMPANY, INC.BOC-3 on file
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Operating AuthorityMC358189ACTIVE
Fleet details (MCS-150)
| Vehicle type | Owned | Term leased | Trip leased |
|---|---|---|---|
| Truck tractors | 9 | 304 | 0 |
| Trailers | 348 | 558 | 0 |
Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).
Accident reports (24 months)
All 250 crashes →| Last 6 months | 6–12 months | 12–24 months | Total | |
|---|---|---|---|---|
| Fatalities | 0 | 0 | 0 | 0 |
| Injuries | 0 | 2 | 3 | 5 |
| Tow-away | 0 | 3 | 10 | 13 |
| Crash reports | 0 | 3 | 10 | 13 |
Reportable crashes from FMCSA MCMIS for the trailing 24 months. Counts may differ slightly from SAFER due to reporting lag.
Inspections (24 months)
All 1,118 inspections →| Driver | Vehicle | Hazmat | |
|---|---|---|---|
| Inspections | 577 | 577 | 0 |
| OOS inspections | 5 | 63 | 0 |
| OOS percentage | 0.87% | 10.92% | — |
| National average | 6.7% | 23.4% | 4.4% |
Roadside inspections in the last 24 months. National averages are FMCSA MCSAP reference rates (driver ~6.7%, vehicle ~23.4%, hazmat ~4.4%).
Risk Signals
Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service
Compared against 2,763 ACTIVE carriers operating 156–470 power units (±50% of this carrier's 313 unit fleet).
Fleet History
Field change history →Sourced from FMCSA daily imports; field-level change log. 2 tracked changes on record. · 2 officer changes
Record Changes
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Company officer 2 MICHAEL LIMBAUGH CHANDRA JOHNSONFMCSA Company Census
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Company officer CHANDRA JOHNSON MICHAEL LIMBAUGHFMCSA Company Census
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Inspection Analytics Monthly activity · BASIC mix · state map
Monthly Inspection Activity (37 months)
Violations by BASIC Category
Activity by State
| State | Inspections | OOS | OOS % | Last Inspection |
|---|---|---|---|---|
| Alabama (AL) | 209 | 14 | 6.7% | Oct 21, 2026 |
| Tennessee (TN) | 150 | 31 | 20.7% | Oct 21, 2026 |
| Mississippi (MS) | 120 | 8 | 6.7% | Oct 21, 2026 |
| Arkansas (AR) | 32 | 6 | 18.8% | Oct 8, 2026 |
| Georgia (GA) | 23 | 1 | 4.3% | Sep 25, 2026 |
| Florida (FL) | 13 | 2 | 15.4% | Oct 3, 2026 |
| Louisiana (LA) | 12 | 2 | 16.7% | Aug 26, 2026 |
| Kentucky (KY) | 11 | 4 | 36.4% | Sep 14, 2026 |
| South Carolina (SC) | 5 | 0 | 0.0% | Apr 14, 2026 |
| Ohio (OH) | 1 | 0 | 0.0% | Mar 16, 2026 |
| US (US) | 1 | 0 | 0.0% | Nov 21, 2024 |
Vehicle Fleet Top makes and models observed in roadside inspections
| Make | Model | Inspections |
|---|---|---|
| Mack | 558 | |
| Vanguard | 267 | |
| Volvo | 158 | |
| Wabash National | 117 | |
| Mack Truck | 66 | |
| Great Dane | 51 | |
| Hyundai Translead | 36 |
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
| BASIC | Inspections | Serious | Measure | Percentile | Alert | As Of |
|---|---|---|---|---|---|---|
| Driver Fitness | 6 | — | 0.06 | 0 | — | Oct 19, 2026 |
| Controlled Substances / Alcohol | 0 | — | 0.00 | 0 | — | Oct 19, 2026 |
| Hours of Service | 17 | — | 0.09 | 0 | — | Oct 19, 2026 |
| Unsafe Driving | 47 | — | 1.73 | 2 | — | Oct 19, 2026 |
| Vehicle Maintenance | 105 | — | 3.18 | 3 | — | Oct 19, 2026 |
Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.
Recent Inspections (1,118 rows) View all 1,118 →
| Inspection # | Date ▼ | State | Level | Station | Vehicle | Violations | Top Codes | OOS |
|---|---|---|---|---|---|---|---|---|
| 89326613 | Oct 21, 2026 | AL | 3 | OZARK AL | — | 0 | — | No |
| 89326405 | Oct 21, 2026 | TN | 1 | ARDMORE TN | — | 1 | 393.75A3-TAOL | Yes |
| 89324732 | Oct 21, 2026 | AL | 1 | GUNTERSVILLE AL | — | 1 | 393.45D-B | No |
| 89316672 | Oct 21, 2026 | MS | 3 | BLUE SPRINGS MS |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89309347 | Oct 20, 2026 | AL | 3 | MOULTON AL |
MACK TRUCK TRACTOR
|
1 | 392.2-SLLS1 | No |
| 89296873 | Oct 19, 2026 | MS | 1 | FULTON SCALE US 78 WEST MS |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89291442 | Oct 16, 2026 | TN | 1 | COVINGTON TN |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89260609 | Oct 14, 2026 | MS | 3 | TIPPAH COUNTY/WALNUT MS |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 89266145 | Oct 13, 2026 | TN | 3 | MANCHESTER TN |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89256777 | Oct 13, 2026 | AL | 3 | MONTGOMERY AL |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89249793 | Oct 13, 2026 | MS | 3 | MONROE COUNTY MS |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89229122 | Oct 9, 2026 | TN | 1 | ARDMORE TN | — | 0 | — | No |
| 89221047 | Oct 9, 2026 | MS | 2 | BOVINA SCALE I-20 EAST MS | — | 0 | — | No |
| 89220981 | Oct 9, 2026 | MS | 2 | IUKA SCALE US 72 EAST MS | — | 2 | 392.2-SLLTCD, 392.2-SLLSIV | No |
| 89223445 | Oct 8, 2026 | AR | 3 | TRUMANN AR | — | 1 | 392.2-SLLS2 | No |
| 89189110 | Oct 6, 2026 | MS | 3 | SB REST AREA MS |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89186302 | Oct 6, 2026 | MS | 3 | PANOLA COUNTY MS |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89195896 | Oct 5, 2026 | TN | 1 | ARDMORE TN | — | 1 | 393.95F | No |
| 89178556 | Oct 5, 2026 | AL | 2 | TUSCUMBIA AL |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89175658 | Oct 3, 2026 | FL | 3 | PANAMA CITY FL |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89118875 | Sep 28, 2026 | MS | 2 | — |
VOLVO TRUCK TRUCK TRACTOR
|
0 | — | No |
| 89104215 | Sep 25, 2026 | GA | 3 | DOUGLASVILLE GA |
MACK TRUCK TRACTOR
|
5 | 395.24 | No |
| 89105945 | Sep 24, 2026 | GA | 3 | LITHIA SPRINGS GA |
MACK TRUCK TRACTOR
|
2 | 395.24, 392.2-SLLLR | No |
| 89104784 | Sep 24, 2026 | TN | 3 | ARDMORE TN |
MACK TRUCK TRACTOR
|
0 | — | No |
| 89107251 | Sep 23, 2026 | AL | 2 | VINEMONT AL |
MACK TRUCK TRACTOR
|
0 | — | No |
Recent Crashes (250 rows) View all 250 →
| Report # | Date ▼ | State | Fatalities | Injuries | Tow | Hazmat | Severity |
|---|---|---|---|---|---|---|---|
| TN0400453567 | Feb 20, 2026 | TN | 0 | 1 | Yes | No | Injury |
| TN0400445616 | Feb 10, 2026 | TN | 0 | 0 | Yes | No | Tow |
| GA0010216406 | Jan 21, 2026 | GA | 0 | 1 | Yes | No | Injury |
| AL0005696419 | Sep 12, 2025 | AL | 0 | 0 | Yes | No | Tow |
| AL0005688457 | Aug 25, 2025 | AL | 0 | 0 | Yes | No | Tow |
| GA0009964431 | Jul 8, 2025 | GA | 0 | 1 | Yes | No | Injury |
| GA0009940458 | Jun 19, 2025 | GA | 0 | 0 | Yes | No | Tow |
| TN0301008443 | Mar 26, 2025 | TN | 0 | 0 | Yes | No | Tow |
| FL2727278305 | Mar 19, 2025 | FL | 0 | 0 | Yes | No | Tow |
| AL0005621573 | Mar 3, 2025 | AL | 0 | 2 | Yes | No | Injury |
| FL2641765704 | Dec 30, 2024 | FL | 0 | 0 | Yes | No | Tow |
| GA0009666878 | Nov 5, 2024 | GA | 0 | 0 | Yes | No | Tow |
| GA0009650391 | Oct 28, 2024 | GA | 0 | 0 | Yes | No | Tow |
| AL0004712274 | Oct 21, 2024 | AL | 1 | 0 | Yes | No | Fatal |
| GA0009619042 | Oct 4, 2024 | GA | 0 | 0 | Yes | No | Tow |
| FL2641494604 | Sep 13, 2024 | FL | 0 | 0 | Yes | No | Tow |
| GA0009588176 | Sep 10, 2024 | GA | 0 | 1 | Yes | No | Injury |
| AL0004691381 | Aug 30, 2024 | AL | 0 | 0 | Yes | No | Tow |
| AL0004689469 | Aug 26, 2024 | AL | 0 | 0 | Yes | No | Tow |
| AL0004679854 | Jul 31, 2024 | AL | 0 | 0 | Yes | No | Tow |
| GA0009465288 | May 31, 2024 | GA | 0 | 0 | Yes | No | Tow |
| FL2636451504 | May 28, 2024 | FL | 0 | 0 | Yes | No | Tow |
| AL0004640698 | Apr 16, 2024 | AL | 0 | 0 | Yes | No | Tow |
| GA0009317420 | Jan 29, 2024 | GA | 0 | 1 | Yes | No | Injury |
| AL0004607391 | Jan 23, 2024 | AL | 0 | 1 | Yes | No | Injury |
Authority Records (2 dockets)
Revocations & Inactive Status
Authority actions other than active status — revocations, voluntary surrenders, and dormant dockets.
| Date | Docket | Authority | Status | Applied |
|---|---|---|---|---|
| Unknown | MC358189 | common | N | — |
Insurance Coverage Timeline (19 rows)
Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.
| Insurer | Policy # | Type | Limit | Effective | Cancel | Status |
|---|---|---|---|---|---|---|
| THE TRAVELERS INDEMNITY CO. OF CONNECTICUT | 9C579541 | BIPD/Primary | — | Oct 1, 2015 | Oct 1, 2015 | REPLACED |
| THE TRAVELERS INDEMNITY CO. OF CONNECTICUT | 9C579541 | BIPD/Primary | — | Oct 1, 2015 | Oct 1, 2015 | REPLACED |
| Travelers Indemnity Co of Connecticut | 9C579541 | BMC-91X | — | Oct 1, 2015 | On file | ACTIVE |
| THE TRAVELERS INDEMNITY CO. OF CONNECTICUT | 9C579541 | 91X | $1,000,000 | Oct 1, 2015 | On file | ACTIVE |
| THE TRAVELERS INDEMNITY CO. OF CONNECTICUT | HE-840-9C579541-TCT-14 | BIPD/Primary | — | Oct 1, 2014 | Oct 1, 2015 | CANCELLED |
| SECURITY NATIONAL INSURANCE CO. | SPP1106594 | BIPD/Primary | — | Aug 1, 2014 | Aug 1, 2014 | REPLACED |
| THE TRAVELERS INDEMNITY CO. OF CONNECTICUT | HE-840-9C579497-TCT-14 | BIPD/Primary | — | Aug 1, 2014 | Oct 1, 2014 | REPLACED |
| THE TRAVELERS INDEMNITY CO. OF CONNECTICUT | HE-840-9C579497-TCT-14 | BIPD/Primary | — | Aug 1, 2014 | Aug 1, 2014 | REPLACED |
| PROTECTIVE INSURANCE CO. | B-13191 | BIPD | — | Aug 1, 2013 | Aug 1, 2014 | REPLACED |
| SENTRY SELECT INSURANCE COMPANY | CT750650-3603-031 | BIPD/Primary | — | Jul 19, 2003 | Aug 1, 2013 | REPLACED |
| LINCOLN GENERAL INSURANCE COMPANY | LTI100056 | BIPD/Primary | — | Mar 13, 2003 | Jul 19, 2003 | CANCELLED |
| GREAT AMERICAN INSURANCE COMPANY OF NEW YORK | IMP 1768239 | BIPD/Primary | — | Jul 19, 2002 | Mar 13, 2003 | REPLACED |
| LINCOLN GENERAL INSURANCE COMPANY | LT1 100056 | BIPD/Primary | — | Jul 19, 2002 | Mar 13, 2003 | CANCELLED |
| GREAT AMERICAN INSURANCE COMPANY OF NEW YORK | 1768239 | CARGO | — | Jul 19, 2002 | Aug 20, 2003 | CANCELLED |
| STATE NATIONAL INSURANCE CO., INC. | RPB 312 371 | BIPD/Primary | — | Jul 19, 2001 | Jul 19, 2002 | CANCELLED |
| STATE NATIONAL INSURANCE CO., INC. | RPB 310 294 | BIPD/Primary | — | Jul 19, 2000 | Jul 19, 2001 | CANCELLED |
| MAX SPECIALTY INSURANCE COMPANY | MCV0799802 | BIPD/Primary | — | Dec 7, 1999 | Jul 19, 2000 | REPLACED |
| GREAT AMERICAN INSURANCE CO. | 0:00:00 IMP9967153 | CARGO | — | Jul 19, 1999 | Jul 19, 2002 | REPLACED |
| CAROLINA CASUALTY INSURANCE CO. | 427823 | BIPD/Primary | — | Jun 22, 1999 | Feb 25, 2000 | CANCELLED |
Compliance Timeline Merged authority / insurance / enforcement events
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Mar 21, 2022enforcementEnforcement case AL-2022-0034-US1711 — $10,240
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Oct 1, 2015insuranceCANCEL — THE TRAVELERS INDEMNITY CO. OF CONNECTICUT
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Oct 1, 2015insuranceTERM/REPL — THE TRAVELERS INDEMNITY CO. OF CONNECTICUT
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Sep 15, 2015
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Oct 1, 2014insuranceTERM/REPL — THE TRAVELERS INDEMNITY CO. OF CONNECTICUT
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Aug 1, 2014insuranceTERM/REPL — THE TRAVELERS INDEMNITY CO. OF CONNECTICUT
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Aug 1, 2014insuranceTERM/REPL — SECURITY NATIONAL INSURANCE CO.
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Aug 1, 2014insuranceTERM/REPL — PROTECTIVE INSURANCE CO.
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Aug 1, 2013insuranceTERM/REPL — SENTRY SELECT INSURANCE COMPANY
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Aug 20, 2003insuranceCANCEL — GREAT AMERICAN INSURANCE COMPANY OF NEW YORK
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Jul 19, 2003insuranceCANCEL — LINCOLN GENERAL INSURANCE COMPANY
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Mar 13, 2003insuranceCANCEL — LINCOLN GENERAL INSURANCE COMPANY
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Mar 13, 2003insuranceTERM/REPL — GREAT AMERICAN INSURANCE COMPANY OF NEW YORK
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Jul 19, 2002insuranceTERM/REPL — GREAT AMERICAN INSURANCE CO.
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Jul 19, 2002insuranceCANCEL — STATE NATIONAL INSURANCE CO., INC.
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Jul 19, 2001insuranceCANCEL — STATE NATIONAL INSURANCE CO., INC.
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Jul 19, 2000insuranceTERM/REPL — MAX SPECIALTY INSURANCE COMPANY
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Feb 25, 2000insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Jul 12, 1999
Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for
Most-Inspected Stations
| Station | State | Inspections | OOS |
|---|---|---|---|
| ROADSIDE | AL | 139 | 10 |
| ARDMORE TN | TN | 110 | 28 |
| GILES COUNTY SCALES | TN | 37 | 10 |
| MONROE COUNTY | MS | 30 | 3 |
| WEST MEMPHIS AR | AR | 27 | 5 |
| CULLMAN AL | AL | 15 | 0 |
| STANTON TN | TN | 15 | 8 |
| MANCHESTER TN | TN | 13 | 0 |
| PRATTVILLE AL | AL | 11 | 0 |
| LONDON | KY | 11 | 4 |
Top Violation Codes Cited
| Code | Description | Category | Cited | OOS |
|---|---|---|---|---|
| 392.2 | Violation of Local Laws | Unsafe Driving | 53 | 0 |
| 393.9(a) | Inoperable required lamps | Vehicle Maintenance | 32 | 14 |
| 393.75(a)(3) | Tire-flat and/or audible air leak | Vehicle Maintenance | 26 | 26 |
| 393.45(d) | Brake connections with leaks or constrictions | Vehicle Maintenance | 15 | 4 |
| 395.24 | HOS (ELD) - ELD form and manner | Hours of Service | 13 | 0 |
| 396.3(a)(1) | Inspection, repair and maintenance of parts and accessories | Vehicle Maintenance | 13 | 6 |
| 395.3(a)(2) | Driving beyond 11-hour driving limit | Hours of Service | 11 | 0 |
| 393.45(b)(2) | Brake hose or tubing chafing and/or kinking | Vehicle Maintenance | 9 | 3 |
| 393.47(e) | Brake Out of Adjustment - Roto, Clamp (Short & Long), DD-3, or Bolt | Vehicle Maintenance | 9 | 0 |
| 393.55(e) | No or Defective ABS Malfunction Indicator Lamp for trailer manufactured after 03/01/1998 | Vehicle Maintenance | 9 | 0 |
Booking & risk tools
Open dedicated checkers pre-filled with this USDOT — same public filings as the triage card above.
Related Records
All cross-references Authority, BOC-3, risk tools, explainers, and more
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Field change history
History-watch change dates and as-of snapshots
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Alabama carriers
All carriers based in Alabama
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Decatur carriers
Carriers based in Decatur, AL
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Stations in Alabama
Where this carrier might be inspected
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Docket MC358189
Motor Carrier of Property (Except Household Goods) · ACTIVE · MC
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THE TRAVELERS INDEMNITY CO. OF CONNECTICUT
BIPD/Primary policy on file
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Travelers Indemnity Co of Connecticut
BMC-91X policy on file
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SECURITY NATIONAL INSURANCE CO.
BIPD/Primary policy on file
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PROTECTIVE INSURANCE CO.
BIPD policy on file
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SENTRY SELECT INSURANCE COMPANY
BIPD/Primary policy on file
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LINCOLN GENERAL INSURANCE COMPANY
BIPD/Primary policy on file
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GREAT AMERICAN INSURANCE COMPANY OF NEW YORK
BIPD/Primary policy on file
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STATE NATIONAL INSURANCE CO., INC.
BIPD/Primary policy on file
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MAX SPECIALTY INSURANCE COMPANY
BIPD/Primary policy on file
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GREAT AMERICAN INSURANCE CO.
CARGO policy on file
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CAROLINA CASUALTY INSURANCE CO.
BIPD/Primary policy on file
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PROCESS AGENT SERVICE COMPANY, INC.
BOC-3 process agent · 123,913 carriers served
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1,118 inspections
Full roadside inspection history
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250 reportable crashes
FMCSA MCMIS crash log
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Fleet recall search
NHTSA recalls covering this fleet's vehicle years/makes
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File a complaint
Open the FMCSA National Consumer Complaint form for this carrier
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Certificate lookup
Look up any FMCSA authority by MC/MX/FF docket number
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All state carrier directories
Browse carriers in every US/CA/MX jurisdiction
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Insurance-lapse watch
Carriers with recent BMC-91 cancellation or reinstatement churn
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How FMCSA safety ratings work
BASIC percentiles and compliance review context
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BOC-3 process agents explained
Why every interstate carrier must file a process agent
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FMCSA compliance filings guide
MCS-150, insurance, and authority filing requirements
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Roadside inspection rights
What drivers and carriers can expect during a stop
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Book / don't book
PASS / CAUTION / REJECT triage from public filings.
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Insurance check
BIPD gaps, cargo filings, and lapse-watch tier.
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Cancel desk
Pending L&I cancellations and coverage gaps.
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Chameleon check
Heuristic cluster peers from public census fields.
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Safety benchmark
Driver/vehicle OOS rates vs similar fleet-size peers.