Techo-Bloc USA Corp

852 W Pennsylvania Ave
PEN Argyl, PA 18072

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 in-line with peers, in the 65th percentile.
  • Mod decreased by more than 75% of peers.
Average

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 78% 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.

  • 12% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 99th percentile at 22.7% of the market.
Good

OSHA

Most employers with 10 or more employees are required to maintain injury and illness records, known as the 300 log. In the event of an inspection, this information will likely be requested. Even without injury or claim, the proper documentation should be readily available on a location by location basis. These logs are critical but simple to maintain.

  • Businesses with serious and/or repeat violations should be provided with risk management practices to eliminate unnecessary risk and minimize what must exist in current processes.
Needs Attention

Business Stats

Policy History

Term Carrier Premium LCM
2023

1.990
(Current: 1.995)
2023

2.315
2023

2.205
2023

1.650
2023

1.756
2023

1.578
2023

2.200
2023

1.799
2023

1.800
2023

1.740
2022

1.995
2022

2.301
2022

2.205
2022

1.650
2022

1.756
2022

1.578
2022

1.340
2022

2.200
2022

1.800
2022

1.250
2022

1.800
2022

1.710
2021

1.650
2021

1.445
2021

1.220
2021

1.450
2021

1.360
2021

1.340
2021

1.150
2021

1.374
2021

1.359
2021

1.240
2021
10-01-2021

1.310
2021
10-01-2021

1.560
2020

-
2020

1.445
2020

-
2020

1.220
2020

1.450
2020

-
2020

1.310
2020

1.360
2020

1.150
2020

1.560
2020

1.374
2020

1.359
2020

1.240
2019

-
2019

1.674
2019

1.360
2019

1.868
2019

-
2019

1.370
2019

1.360
2019

1.340
2019

1.050
2019

1.536
2019

-
2019

1.359
2019

1.008
2018

-
2018

1.360
2018

1.517
2018

-
2018

-
2018

-
2018

1.150
2018

1.248
2018

1.104
2018

-
2017

-
2017

-
2017

-
2017

1.692
2017

1.764
2017

-
2017

1.603
2017

-
2017

1.290
2017

2.062
2017

1.419
2017
10-01-2017

2.120
2016

-
2016

-
2016

1.692
2016

1.603
2016

-
2016

-
2016

1.290
2016

2.052
2016

1.419
2016
10-01-2015

-
2016
10-01-2015

2.052
2016
10-01-2015

2.052
2015

-
2015

-
2015

-
2015

1.603
2015

-
2015

2.052
2015

1.419
2014

-
2014

-
2014

-
2013

-
2013

-
2013

-
2012

-
2012

-
2011

-
2010

-
2009

-

Contacts

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(745) 283-8216
96a5

7f7d
hrsf@occfu-seaw.aaj

Pzvo Zivygec
Principal
(780) 323-3851
0d98

A Wybveez Zpzveizjqs
President
(033) 079-9046
f0f

NAZLCXI QUJAQWX
Benefits Admin
(004) 804-6265
0af2

WBSEIC ABXP
Human Resources Manager
(467) 462-6327
bmrpyv.cio@bickk-vbjc.nhz

Oyqptyun Ojojpm
Plant Manager
(706) 101-6816
irlhhpiu.saryal@uxqat-motc.vtx

Kifs Ywhfcbs
Plant Manager
(071) 566-5335
ynci.omaslnh@zbvab-jplw.cnm

Gaviotq Vshxbilzpb
Founder & President
(378) 105-6720
mmgeuct.egpvwnkqti@rvnho-alrs.ayk

Industry Classification

Retirement Benefits

Financials

20212020201920182017201620152014201220112010
BOY Assets: $ 2,474,287 $ 3,468,656 $ 5,251,511 $ 7,533,197 $ 471,378 $ 668,882 $ 677,949 $ 182,010 $ 549,018 $ 200,084 $ 757,401
Liabilities: $ 0 $ 6 $ 3 $ 6 $ 1 $ 9
EE Contrib: $ 496,331 $ 69,063 $ 603,757 $ 270,154 $ 952,527 $ 272,682 $ 904,147 $ 86,493 $ 773,962 $ 473,880 $ 812,975
Emp Contrib: $ 0 $ 0 $ 0 $ 0
Income/Loss: $ 168,753 $ 890,428 $ 135,898($ 966,280) $ 12,085 $ 59,465($ 38,630) $ 81,696 $ 43,845($ 2,289) $ 65,126
Total Income: $ 875,743 $ 772,062 $ 185,847 $ 611,375 $ 650,658 $ 75,587 $ 131,784 $ 362,868 $ 64,743 $ 137,891 $ 894,246
Paid Benefits: $ 124,240 $ 859,746 $ 48,870 $ 772 $ 14,664 $ 82,021 $ 356,050 $ 71,197 $ 44,015 $ 96,161 $ 61,589
Expenses: $ 0 $ 906 $ 95 $ 6 $ 9 $ 3
  Commission: $ 13,671 $ 21,978 $ 6,654 $ 6,952 $ 1,423 $ 833 $ 643 $ 612 $ 556 $ 511 $ 848
Net Income: $ 737,832 $ 842,188 $ 890,764 $ 608,343 $ 419,520 $ 875,388($ 75,054) $ 89,195 $ 234,148 $ 1,276 $ 260,604
Net Assets: $ 3,212,119 $ 6,411,452 $ 6,717,406 $ 799,888 $ 9,725,317 $ 966,951 $ 78,333 $ 989,825 $ 901,401 $ 708,577 $ 643,903

Participants

20212020201920182017201620152014201220112010
Total Participants:36470705984314429193014462689202
Active Part.:316835197922549350851889707
Retired Part.:3a868c7f820cb415
Deceased Part.:64bc1b1009130ff 3215

Insurance

No Insurance Coverage

Providers

UORZFGJ XPJATGZBVJ AXAAUJQJWOX

225 KENNETH DRIVE
ROCHESTER, NY 14623
WREMST LZFDDNIOLC LOBECVTG
4340 REDWOOD HWY
SAN RAFAEL, CA 94903
Investment advisory (participants)
Compensation:$13,160
Relation:ADVISOR

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.

    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

20222021202020192018201720162015201420132012
BOY Assets: $ 0 $ 5 $ 4 $ 64 $ 4 $ 4 $ 87 $ 4
Liabilities: $ 0 $ 351 $ 2 $ 1
EE Contrib: $ 0 $ 5 $ 5 $ 5 $ 511 $ 4
Emp Contrib: $ 0 $ 9,000,000 $ 9 $ 2 $ 65 $ 3
Income/Loss: $ 0 $ 4 $ 106 $ 6 $ 8 $ 1 $ 1 $ 69 $ 8
Total Income: $ 0 $ 2 $ 50 $ 32 $ 3 $ 608
Paid Benefits: $ 0 $ 150 $ 995 $ 1 $ 6 $ 826 $ 8 $ 7 $ 89 $ 89 $ 6
Expenses: $ 0 $ 3 $ 3 $ 86 $ 511 $ 91 $ 579
  Commission: $ 0 $ 1 $ 94
Net Income: $ 0 $ 7 $ 0 $ 0 $ 3 $ 7 $ 927 $ 79 $ 7 $ 5
Net Assets: $ 0 $ 1 $ 5 $ 4 $ 1 $ 7 $ 6

Participants

20222021202020192018201720162015201420132012
Total Participants:209617195226771245569753842851453
Active Part.:209320109747519144027927507587130
Retired Part.:70fff45df5fcd8f
Deceased Part.:21733b5bfcce6bfc6

Insurance

XYVGYUZ CTWYMZQZC DMSCXIEBJ IPNBKRU
Renewal:06-30-2022
Covered:444
  1. Health
  2. Vision
  3. Prescription Drug
  4. PPO Contract

Retention: $ 389,413
Claims: $ 2,412,991
Loss Ratio:1.13
Exp Rated Premium $ 2,142,573
Non-Exp Rated Premium: $ 0
Commission5.04% $ 108,085
Fees0% $ 0
Brokers
NHN DTCCIVC HKIHQDRQ YUXD FQKAGZBOJ YZJUAMJ
Renewal:06-30-2022
Covered:209
  1. Life Insurance
  2. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 10,761
Commission11.81% $ 1,271
Fees2.46% $ 265
Brokers
ZSS SFVUIBR ULSMSISN HVPD DXPHGLFLA EJLGYHH
Renewal:06-30-2022
Covered:109
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 12,158
Commission15% $ 1,824
Fees2.37% $ 288
Brokers
TSLYD PAUYEG JM RTZPNSEJOVRV
Renewal:06-30-2022
Covered:468
  1. Dental

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 81,992
Commission10% $ 8,199
Fees0% $ 0
Brokers
CAY VBRJWEB SJVYMNWR LBAX AZLARVTRE VDIASVS
Renewal:06-30-2022
Covered:129
  1. Life Insurance
  2. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 17,765
Commission15% $ 2,665
Fees2.41% $ 428
Brokers
SQP GNURDVS GAKNJIXM UZNC NFAVEFWXV PWIUJJE
Renewal:06-30-2022
Covered:208
  1. Temp. Disability Insurance

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 42,926
Commission6.45% $ 2,769
Fees2.46% $ 1,058
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).


OSHA

Motor Carrier