Stoltenberg Consulting Inc.

5815 Library Rd
Bethel Park, PA 15102

Talking Points

LCM Rate

LCMs have the largest effect on your WC costs. Carriers file LCM's which are multiplied with the state approved Loss Costs for your employment classifications to create your policy rates. Carrier Groups have several Carrier Tier's each with their own filing, allowing their underwriters to price aggressively to overly prudent depending on the risk.

  • The LCM of the Current Carrier is Very Good, in the 5th percentile compared to peers.
Good

Market Competitiveness

We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.

  • 14% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 75th percentile at 17.5% of the market.
Average

Business Stats

Policy History

Term Carrier Premium LCM
2023

1.853
2023

1.926
2023

1.830
2023

1.900
2023

1.224
2023

1.866
2023

-
2023

-
2023

0.913
2023

-
2023

-
2023

1.015
2023

0.875
2023

-
2023

-
2023
08-07-2022

-
2023
08-07-2022

0.942
2023
08-07-2022

1.015
2023
08-07-2022

0.724
2023
08-07-2022

1.000
2022

1.986
2022

1.861
2022

1.900
2022

-
2022

1.224
2022

1.866
2022

-
2022

-
2022

0.926
2022

1.190
2022

-
2022

0.913
2022

2.099
2022

0.730
2022

-
2022

1.000
2022

-
2022

1.545
2022

1.925
2022

1.015
2022

0.874
2022

2.411
2022

-
2022

2.220
2022

1.000
2022

1.955
2022
05-29-2021

2.310
2022
05-29-2021

2.858
2022
05-29-2021

2.401
2022
05-29-2021

1.870
2022
05-29-2021

2.230
2022
05-29-2021

1.725
2022
05-29-2021

1.990
2022
05-29-2021

2.300
2022
05-29-2021

-
2022
05-29-2021

2.498
2022
05-29-2021

2.098
2022
05-29-2021

2.255
2022
05-29-2021

1.685
2022
05-29-2021

2.559
2022
07-30-2021

2.000
2021

0.850
2021

-
2021

1.040
2021

1.061
2021

1.073
2021

-
2021

1.125
2021

-
2021

0.900
2021

-
2021

-
2021

1.155
2021

2.100
2021

2.569
2021

1.300
2021

0.981
2021

-
2021

0.850
2021

2.112
2021

2.000
2021

1.976
2021

1.000
2021

2.355
2021

0.965
2021

1.000
2021
05-29-2020

1.842
2021
05-29-2020

2.620
2021
05-29-2020

1.470
2021
05-29-2020

2.518
2021
05-29-2020

-
2021
05-29-2020

2.610
2021
05-29-2020

2.111
2021
05-29-2020

1.101
2021
05-29-2020

2.000
2021
05-29-2020

-
2021
05-29-2020

2.207
2021
05-29-2020

1.740
2021
05-29-2020

1.691
2021
05-29-2020

1.486
2021
05-29-2020

2.728
2021
05-29-2021

0.840
2021
05-29-2021

1.465
2020

1.788
2020

1.656
2020

-
2020

1.300
2020

2.518
2020

2.531
2020

1.760
2020

1.101
2020

-
2020

2.083
2020

2.569
2020

1.700
2020

1.691
2020

1.486
2020

-
2020

2.346
2020

-
2020

1.902
2020

1.436
2020
05-29-2019

1.957
2019

1.788
2019

-
2019

1.656
2019

-
2019

1.300
2019

2.518
2019

2.256
2019

1.760
2019

1.020
2019

-
2019

2.083
2019

2.083
2019

-
2019

1.630
2019

1.691
2019

1.486
2019

-
2019

2.174
2019

1.902
2019

1.409
2018

-
2018

2.158
2018

-
2018

1.387
2018

2.133
2018

-
2018

1.312
2018

1.020
2018

-
2018

1.642
2018

-
2018

-
2018

1.305
2018

-
2018

2.174
2018

1.906
2018

-
2017

-
2017

2.158
2017

-
2017

1.387
2017

1.246
2017

2.069
2017

-
2017

1.642
2017

1.305
2017

2.069
2017

1.448
2017

1.906
2017

-
2016

-
2016

-
2016

-
2016

-
2016

-
2016

-
2016

1.387
2016

1.387
2016

1.219
2016

2.069
2016

-
2016

1.574
2016

1.305
2016

1.305
2016

2.069
2016

1.448
2016

1.906
2016

-
2016
05-29-2015

2.069
2016
05-29-2015

2.069
2015

-
2015

-
2015

-
2015

1.254
2015

-
2015

-
2015

1.908
2015

-
2015

1.574
2015

1.305
2015

1.908
2015

-
2015

-
2015

-
2014

-
2014

-
2014

-
2014

1.387
2014

-
2014

-
2014

-
2014

-
2014

-
2014

-
2013

-
2013

-
2013

-
2013

-
2013

-
2013
05-29-2013

-
2012

-
2012

-
2012

-
2012
05-29-2012

-
2011

-
2011
05-29-2010

-
2011
05-29-2010

-
2011
05-29-2011

-
2010

-
2010
05-29-2010

-
2009

-
2009
05-29-2009

-

Contacts

HAUVG RVQZYKRKYYA
Benefits Admin
(965) 258-3942
0ce90

Patnxzypakk
Principal
(630) 931-9481
c58

Wsygrztv Cpnbn
Manager, Strategic Services
(686) 518-5337
c00

TFEOX HGJTJXR
Benefits Admin
(350) 019-7896
0d1

JYQ JHQKUOFJXHP
Benefits Admin
(756) 009-3263
e4d

Ywwgc Nttfedbkq
(930) 130-2730
eihm@kmjfixbipqq.bhe

Aqmlr Xdrjwwinvcs
CEO
(605) 302-6175
lumbu@ednfmfnlrmr.fwb

Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 27,550,843 $ 62,130,760 $ 59,234,209 $ 38,843,804 $ 79,262,799 $ 2,407,406 $ 19,323,544 $ 2,957,348 $ 6,370,726 $ 3,491,584 $ 6,522,908 $ 5,266,183
Liabilities: $ 0 $ 81 $ 6 $ 31 $ 851 $ 28
EE Contrib: $ 2,657,310 $ 5,403,396 $ 5,070,376 $ 360,914 $ 3,883,410 $ 8,607,688 $ 750,350 $ 8,922,950 $ 7,005,301 $ 4,501,730 $ 436,506 $ 445,822
Emp Contrib: $ 1,114,967 $ 57,625 $ 1,894,506 $ 550,984 $ 535,268 $ 735,789 $ 541,395 $ 532,908 $ 559,925 $ 576,486 $ 322,534 $ 242,332
Income/Loss: $ 1,794,221 $ 8,937,436 $ 8,883,977($ 4,940,630) $ 6,775,471 $ 856,174($ 215,586)($ 6,401) $ 930,001 $ 34,133($ 165,829) $ 580,166
Total Income: $ 7,217,285 $ 4,125,264 $ 5,599,954 $ 5,051,249 $ 1,540,034 $ 5,306,108 $ 7,388,793 $ 4,588,262 $ 3,260,067 $ 9,945,789 $ 202,890 $ 7,734,748
Paid Benefits: $ 2,911,156 $ 8,403,363 $ 6,768,956 $ 557,492 $ 5,185,772 $ 383,560 $ 1,845,962 $ 1,077,517 $ 554,879 $ 354,638 $ 245,666 $ 448,627
Expenses: $ 0 $ 1 $ 7 $ 4 $ 7 $ 7 $ 430 $ 0 $ 3
  Commission: $ 97,434 $ 395,963 $ 30,136 $ 18,216 $ 23,749 $ 21,766 $ 91,451 $ 22,858 $ 25,855 $ 2,731 $ 7,436 $ 8,713
Net Income: $ 4,130,215 $ 2,499,614 $ 8,568,536 $ 454,382 $ 362,867 $ 6,536,742 $ 6,440,817 $ 704,811 $ 7,099,209 $ 4,867,381 $ 956,705 $ 8,417,611
Net Assets: $ 31,681,058 $ 72,100,314 $ 12,969,027 $ 27,199,325 $ 39,923,333 $ 71,375,704 $ 78,600,058 $ 57,042,299 $ 3,360,840 $ 3,499,541 $ 936,279 $ 4,234,069

Participants

202120202019201820172016201520142013201220112010
Total Participants:747218559458293017898199825445536456
Active Part.:505318281592279476950150888213190771
Retired Part.:89e1f92884ee38970813cd8e
Deceased Part.:2d4ad012041f4181e22e

Insurance

No Insurance Coverage

Providers

SKNZSSLHOVJHIIXUY I.D.
PJSH APXJABNPMMRL, WAJ.

1290 BROADWAY SUITE 1100
DENVER, CO 80203
EDZVHEXX QQWMI YMGNDLNETIRP, NJB.
GUQ, FRZ.
RFYBDCOVLUD XLKP QSXSAEWN

6300 BEE CAVE ROAD BUILDING ONE
AUSTIN, TX 78746
ZPTPZLLOC CIOYGLKECP HRCG.

5800 CORPORATE DRIVE 2ND FLOOR
PITTSBURGH, PA 15237
PBTMINQV DOCQFTIOD IEMCBWOCWSKQ, XO

100 FOUNTAIN PARKWAY
ST. PETERSBURG, FL 33716
IPIIWHW

1555 PEACHTREE STREET NW 1800
ATLANTA, GA 30309
R.D. XNWYNF CUZHZLXBBQ RVZCMLQKKK
ZKXQS LIMKHBFVMLUQ, THJ

151 DETROIT STREET
DENVER, CO 80206
K. LSYS SNMOP

100 EAST PRATT STREET
BALTIMORE, MD 21202
TIKUQXCY

455 DEVON PARK DRIVE
WAYNE, PA 19087
IFJ QCFXVJWNJ KOAYSKQV, EKK.Recordkeeping and information management (computing, tabulating, data processing, etc.)
Trustee (bank, trust company or similar financial institution)
Other services
Direct payment from the plan
Recordkeeping fees
Other (specify)
Compensation:$70,377
Relation:INVESTMENT/FINANCIAL ADVI
CXH, XCG.Participant loan processing
Direct payment from the plan
Recordkeeping and information management (computing, tabulating, data processing, etc.)
Recordkeeping fees
Compensation:$27,056
Relation:RECORD KEEPER
FHR FNOBOC-SHUQAJSub-transfer agency fees
Shareholder servicing fees
Compensation:$0
Relation:RECORD KEEPER
SMH KBQQDL-OBWOLT
Source: AMG, INC.
Sub-transfer agency fees
Shareholder servicing fees
Compensation:ANNUAL RATE 0.00200 OF AVERAGE DAILY ASSETS

Features

    2E - Profit-sharing

    2F - ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.

    2G - Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.

    2J - Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.

    2K - Stock bonusCode section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contributions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.

    2T - Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.

    3D - Pre-approved pension plan - A master, prototype, or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

    3H - Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

Health Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 0 $ 57 $ 9 $ 4 $ 95 $ 3 $ 4 $ 57 $ 0 $ 0
Liabilities: $ 0 $ 6 $ 681 $ 756 $ 28 $ 21 $ 33
EE Contrib: $ 0 $ 43 $ 9 $ 9 $ 1
Emp Contrib: $ 0 $ 20 $ 8 $ 9 $ 47 $ 28 $ 6
Income/Loss: $ 0 $ 6 $ 2 $ 2 $ 2 $ 4 $ 9 $ 6
Total Income: $ 0 $ 47 $ 7 $ 27 $ 5 $ 2 $ 15 $ 4 $ 5 $ 26
Paid Benefits: $ 0 $ 9 $ 6 $ 0 $ 6 $ 76 $ 866 $ 178
Expenses: $ 0 $ 6 $ 2 $ 6 $ 1 $ 2 $ 9 $ 3 $ 11
  Commission: $ 0 $ 766 $ 6 $ 7 $ 6 $ 8 $ 98 $ 2 $ 7
Net Income: $ 0 $5,000,000,000 $ 92 $ 1 $ 0 $ 5 $ 9 $ 65 $ 56 $ 32
Net Assets: $ 0 $ 6 $ 39 $ 0 $ 785 $ 8 $ 3 $ 8 $ 1 $ 894 $ 51 $ 222

Participants

202120202019201820172016201520142013201220112010
Total Participants:591189815124293376543060804901580553
Active Part.:591179926689132310432950049793351798
Retired Part.:e 07caf7cde2c278807901
Deceased Part.:e2882beaaa82 aef04824

Insurance

RLPKCW BLABDJH MUMJ
Renewal:12-31-2021
Covered:392
  1. Vision

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 60,099
Commission3.28% $ 1,973
Fees0% $ 0
Brokers
ZCMAYIP WRWK GYZBOEPOG TKLQVVH
Renewal:12-31-2021
Covered:591
  1. Life Insurance
  2. Temp. Disability Insurance
  3. Long Term Disab. Ins
  4. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 209,709
Commission15.14% $ 31,760
Fees1.77% $ 3,703
Brokers

Providers

No Providers

Features

    4A - Health (other than vision or dental).

    4B - Life insurance.

    4D - Dental.

    4E - Vision.

    4F - Temporary disability (accident and sickness).

    4H - Long-term disability.

    4L - Death benefits (include travel accident but not life insurance).

Motor Carrier