In evaluating the expected and actual loss ratios, the Commissioner shall consider: the statistical credibility of incurred claims experience and earned premiums; the period for which rates are computed to provide coverage; experienced and projected trends; the concentration of experience within early policy duration; expected claim fluctuation; experienced refunds, adjustments, or dividends; renewability features; all appropriate expense factors; interest; the experimental nature of the coverage; policy reserves; the mix of business by risk classification; and product features, including long elimination periods, high deductibles, and high maximum limits.