Curbs, ETC., Inc

3528 S Dupont Blvd
Smyrna, DE 19977

Talking Points

Experience Mod Rating

Mod is an indication of how risky a company is to insure. It is based on a company's claim history.

  • Experience Mod is very good. It is in the 11th percentile compared to peers.
  • Mod decreased by more than 75% of peers.
Good

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 Higher than 57% of peers.
  • Shopping around for a carrier that would provide a more competative tier would make sense.
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.

  • 5% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 95th percentile at 31.6% of the market.
Good

Business Stats

Policy History

Term Exp. Mod Carrier LCM
2023

1.766
2022

1.766
2021

1.766
2020
01-01-2020

1.766
2020
10-27-2020

1.330
2019

1.888
2019
10-27-2019

1.330
2018

1.834
2017
05-17-2017

2.223
2016

2.223
2015

2.179
2014

-
2014
05-17-2013

-
2013

-
2013
05-17-2012

-
2012

-
2011

-
2010

-
2009

-
2009
05-17-2008

-

Contacts

Yprvh Xepwr
Owner
(317) 364-2102
tnzry@itfpjxru.yew

PZEMM YZPAN
Benefits Admin
(945) 754-7060
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Industry Classification

Retirement Benefits

Financials

2021202020192018
BOY Assets: $ 210,974 $ 841,690 $ 93,899 $ 0
Liabilities: $ 0 $ 1
EE Contrib: $ 25,515 $ 47,255 $ 79,853 $ 4
Emp Contrib: $ 40,302 $ 45,930 $ 72,853 $ 35,047
Income/Loss: $ 31,132 $ 51,230 $ 8,627 $ 0
Total Income: $ 96,949 $ 5,128 $ 30,370 $ 88,012
Paid Benefits: $ 0 $ 389 $ 332 $ 92
Expenses: $ 0 $ 9 $ 70
  Commission: $ 140 $ 287 $ 99 $ 6
Net Income: $ 96,809 $ 69,915 $ 93,925 $ 49,288
Net Assets: $ 307,783 $ 810,085 $ 817,302 $ 22,809

Participants

2021202020192018
Total Participants:12105
Active Part.:11882
Retired Part.:24dc
Deceased Part.:83037c

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

    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.

    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.

    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.

Motor Carrier