Workcover Payroll Expense

I have never used the Workcover facility in MYOB.

I pay Workers' Comp yearly in advance and it is currently entered as a Prepayment - Other Asset.

I also have 4 distinct classes of employees with differing % levels.  

I also noticed that the Workcover % is based on Gross Wages.

Information Needed:

1.  Can I change the linked account from Liability - Payables Other to Asset - Prepayments?

2.  Can I put 4 different Workcover rate categories?

3.  Does Gross Wages in Workcover include Allowances?

4.  To include superannuation as well, do I increase the Workcover % rates by 10.5% from July '22?

5.  Overall, is this a worthwhile process?

I would appreciate your feedback!

Thank you