The alternative market may be utilized by large corporations, for example, to provide high limits of coverage over a large self-insured retention (SIR) or by smaller entities participating in a risk retention group (RRG) or group captive program. Note that the distinction between traditional and alternative markets tends to blur over time as many traditional insurers expand their offering of products to encompass alternative-type funding techniques and vice versa. Also, retrospective rating plans, especially paid loss plans, are sometimes identified with the alternative market.