[Kevin]

I've noticed what may or may not be a trend (but yes, figuring out the "causation" aspect of the correlation is tricky to impossible), but groups like Pi Kappa Alpha which have flat insurance fees (I was told by someone from our HQ it's around $15K/year/chapter) regardless of membership seem to have more incidents than groups which charge each chapter a rate based on membership. Maybe it's indiscriminate membership selection to reach a certain number, maybe it's the fact that chapters can't financially afford to remove problem members due to the impact that'd have on everyone else's dues contributions?

That's my probably unfair and wildly speculative theory though.