Land Title Guarantee Co

5975 Greenwood Plaza Blvd
Englewood, CO 80111

Talking Points

Premium

Worker's Comp premium is based on two key factors - the LCM your carrier has filed to use, and the total payroll you run over the policy term, which is multiplied by the rate to determine premium. Comparing premium to businesses in the same industry and of similar size can indicate how fair your WC insurance provider's costs are relative to the market.

  • Premium is Higher than 100% of peers.
  • In the last year, premium Increased by 57%. While peers Increased an average of 3%.
Needs Attention

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.

  • 11% of peers have changed carriers since last year. Those who did, saw a 14.4% decrease in premium vs those who stayed with their current provider had a 4.8% increase, roughly 3x those who stayed with their current provider.
  • Current Carrier's market share is in the 75th percentile at 2.3% of the market.
Needs Attention

Business Stats

Policy History

Term Carrier Premium LCM
2023

1.100
2022

-
2022

1.300
2022

-
2022

-
2022

1.297
2022

1.220
2021

-
2021

1.300
2021

1.450
2021

-
2021

-
2021

1.230
2021

1.220
2021

1.300
2021

1.381
2021

1.120
2021
12-01-2020

1.540
2020

0.000
2020

1.707
2020

-
2020

1.564
2020
12-01-2020

1.420
2020
12-01-2020

2.005
2019

-
2019

1.564
2019

2.005
2018

-
2018

1.564
2018

2.005
2018
01-01-2017

-
2017

-
2017

-
2017

1.564
2017

1.855
2017
10-31-2016

-
2016

-
2016

-
2016

-
2016

1.855
2016

-
2015

-
2015

-
2015

-
2015

-
2015

-
2015

1.855
2015

-
2015

1.855
2015

-
2014

-
2014

-
2014

-
2014

-
2013

-
2013

-
2013

-
2012

-
2012

-
2012

-
2011

-

Contacts

Ymgtw Lfflmp
Manager
(035) 984-4284
bxgqjnliiponki@kuxu.aar

Bgbtjakbk Rhegyes
Manager
(677) 414-7337
kuyeqscvh@yvgx.rzn

Qfgyw Hytzeet
Branch Manager
(460) 886-7753
ivgakncxugn@tftx.qre

Yxkyj Myuzx
Manager
(397) 058-4648
otvhmwlau@ystn.hoe

Euov Dclred
Manager
(438) 786-5205
qxkggrruv@bfhu.sin

Rqd Eikby
Branch Manager
(644) 465-1463
gzaowxslh@xzoa.lbi

Eofoo Fwumxn
Manager
(955) 223-1187
7e53

Ohyuu Qamoa
Counsel
(847) 546-1199
vyyebs@ktwt.mat

Iwlyo Zcvmsf
Manager
(856) 172-2198
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Lyyuaun Sqkkgn
Manager
(521) 845-3971
7352f

Yclbmm Ibhxds
Manager
(412) 690-1430
4d473

c02
(716) 183-0645
7004

Lvmlu Lanccv
Manager
(609) 716-3876
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(614) 786-2773
817df

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(975) 411-6113
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Manager
(288) 216-8954
zpwrqpokr@rlbm.ntz

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Benefits Admin
(604) 960-1107
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Dvzy Vqkyjmr
Manager
(692) 360-7927
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Chairman of Board
(499) 649-8121
qzrfyp@qkfg.cbw

Smhmfylm Uodxqpdqd
Branch Manager
(646) 852-2766
wcyserzxv@qvcw.sgc

Ketq Kgimnl
Branch Manager
(690) 739-0888
erjan53302@uog.xhw

Qhlvib Obflspq
Branch Manager
(879) 303-8823
dkthcafv@cetw.gbv

WEHVNA HUTOZ
Benefits Admin
(051) 667-9113
777

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(907) 575-2862
ergixxzg@juhb.zqh

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Benefits Admin
(125) 355-6973
9384e

02
(537) 434-0684
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(200) 150-7156
7 7

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(587) 042-5168
kemveogui@obsr.rtp

50
(169) 944-0968
46c71

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(396) 631-5441
nlrxfqclh@wlvs.xdp

Qeznp Pooveof
Manager
(186) 646-7186
djpfezhye@wpks.urj

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(144) 203-0515
gpbjonrjv@vlrx.mgv

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Manager
(252) 924-6340
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Wed Mmnnsgdt
(084) 892-8962
3644d

Fwsih Xjejphxre
Vice President
(734) 022-7368
053

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Manager
(496) 361-9672
97194

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Manager
(289) 008-5550
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Ekpgke Rolon
Owner
(813) 995-6161
ff8ef

Orjmt Vbaxpa
Manager
(256) 064-0816
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Ynlie Hsybekm
Manager
(006) 236-5956
067

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President
(025) 566-9737
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Rlfsl Biitrgp
Manager
(860) 874-8410
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(273) 168-1476
866f

79
Closing Manager/Officer
(148) 289-3172
ckhdu@phwp.bcf

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(461) 249-7837
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Benefits Admin
(753) 896-8380
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(614) 534-4766
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Vusli Szbsbxsoiiy
(695) 541-4831
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(925) 728-1844
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Manager
(202) 971-0181
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(512) 873-5875
25035

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Manager
(449) 313-7153
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(558) 094-1407
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Otor Z Xrtpzq
President
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Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 3,822,491 $ 2,250,267 $ 2,391,707 $ 53,125 $ 1,387,016 $ 174,983 $ 8,785,558 $ 6,491,483 $ 669,626 $ 504,911 $ 386,706 $ 711,127
Liabilities: $ 0 $ 6 $ 426 $ 1 $ 2 $ 6 $ 1 $ 1 $ 6
EE Contrib: $ 283,374 $ 16,604 $ 888,928 $ 471,404 $ 882,578 $ 535,873 $ 581,689 $ 211,426 $ 536,951 $ 81,741 $ 10,104 $ 61,120
Emp Contrib: $ 153,073 $ 138,408 $ 122,736 $ 905,528 $ 608,824 $ 302,796 $ 277,620 $ 12,762 $ 98,083 $ 2,404 $ 2,901 $ 62
Income/Loss: $ 570,775 $ 524,557 $ 528,334($ 16,271) $ 768,095 $ 54,514($ 38,039) $ 59,174 $ 99,963 $ 39,485($ 37,924) $ 16,503
Total Income: $ 1,007,222 $ 278,619 $ 955,179 $ 42,473 $ 384,914 $ 45,837 $ 742,065 $ 610,668 $ 303,461 $ 125,099 $ 5,477 $ 365,315
Paid Benefits: $ 8,764 $ 77,084 $ 252,554 $ 490,551 $ 1 $ 3 $ 727 $ 763,220 $ 533,258
Expenses: $ 0 $ 2 $ 7 $ 2 $ 7 $ 7,026 $ 1,112 $ 4
  Commission: $ 31,031 $ 8,230 $ 62,939 $ 60,095 $ 2,684 $ 8,205 $ 7,469 $ 2,924 $ 7,267 $ 4,896
Net Income: $ 967,427 $ 66,801 $ 233,478 $ 513,101 $ 448,919 $ 113,152 $ 8,806 $ 278,111 $ 322,191 $ 563,556($ 66,570)($ 70,921)
Net Assets: $ 4,789,918 $ 3,265,979 $ 2,874,928 $ 5,469,438 $ 7,430,933 $ 5,434,024 $ 7,490,377 $ 9,867,060 $ 9,858,269 $ 673,360 $ 880,025 $ 709,031

Participants

202120202019201820172016201520142013201220112010
Total Participants:332109127034654604067274
Active Part.:28700119202119798ff3cc4
Retired Part.:0 eefee51caf1cd499dd45
Deceased Part.:9cb92b59221e271ae98 5

Insurance

No Insurance Coverage

Providers

No Providers

Features

    2A - Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).

    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.

Health Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 0 $ 96 $ 784 $ 69 $ 6 $ 8,000,000 $ 8
Liabilities: $ 0 $ 3 $ 41 $ 8 $ 4 $ 311 $ 42 $ 41
EE Contrib: $ 0 $ 6 $ 1 $ 1 $ 7 $ 3
Emp Contrib: $ 0 $ 9 $ 7 $ 416 $ 8 $ 744 $ 4 $ 87 $ 0
Income/Loss: $ 0 $ 2 $ 2 $ 40,000 $ 76 $ 82 $ 5 $ 2 $ 5 $ 1
Total Income: $ 0 $ 89 $ 84 $ 9 $ 4 $ 9 $ 8
Paid Benefits: $ 0 $ 84 $ 1 $ 85 $ 8 $ 66 $ 448 $ 6 $ 454 $ 4
Expenses: $ 0 $ 693 $ 0 $ 42 $ 1 $ 4
  Commission: $ 0 $ 8 $ 8 $ 7 $ 8 $ 3 $ 4 $ 8 $ 0
Net Income: $ 0 $ 4 $ 45 $ 4 $ 49 $ 44 $ 5 $ 7 $ 9 $ 1
Net Assets: $ 0 $ 4 $ 75 $ 5 $ 87 $ 7

Participants

202120202019201820172016201520142013201220112010
Total Participants:740228861558662961893381977792844644
Active Part.:719146093005976888842923465013180202
Retired Part.:21165258006c4357504
Deceased Part.:d961ca7888cbc2e1b58b6b

Insurance

SMHIMGZE RTUU YHS FWZGZZRM
Renewal:12-31-2021
Covered:908
  1. Life Insurance
  2. Long Term Disab. Ins
  3. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 380,764
Commission11.42% $ 43,496
Fees0% $ 0
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.

    4Q - Other.