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 68th percentile.
  • There was a recent mod increase.
Needs Attention

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 75% of peers.
  • Shopping around for a carrier that would provide a more competative tier would make sense.
  • LCM Increased by more than 75% of peers.
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.

  • 13% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 75th percentile at 1.2% of the market.
Average

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
2022

1.995
(Current: 1.990)
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

4
(635) 205-9136
898

BDLUUE JIVW
Benefits Admin
(125) 786-4677
6d9d

CBJGSL FQFZ
Benefits Admin
(049) 336-8936
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GWDOHZ HEN GSZI
Benefits Admin
(182) 551-4861
93f

GHJHXK Y. HKDBF
Benefits Admin
(175) 342-4145
502cd

Bymw Wdtuner
Principal
(183) 740-2978
f66

EAKUBI H GNMIO
Benefits Admin
(943) 632-5233
2dc6

CCSSWI WTCQK
Benefits Admin
(135) 109-5820
9a63

YGABRV J DDMDM
Benefits Admin
(155) 290-3591
925

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President
(971) 533-4671
c92

HOBYAV FYXB
Human Resources Manager
(677) 596-5909
doemja.xtr@dhkol-fcuw.bce

5b4
8213
mqlu@wlijl-lkey.pos

Industry Classification

Retirement Benefits

Financials

2020201920182017201620152014201220112010
BOY Assets: $ 1,878,094 $ 2,023,693 $ 5,661,096 $ 603,305 $ 58,144 $ 54,080 $ 975,529 $ 136,215 $ 800,171 $ 481,274
Liabilities: $ 0 $ 3 $ 456 $ 3 $ 1 $ 6 $ 6 $ 4
EE Contrib: $ 374,278 $ 748,552 $ 645,055 $ 609,663 $ 110,660 $ 705,859 $ 71,236 $ 1,640 $ 866,028 $ 940,530
Emp Contrib: $ 0 $ 9 $ 5 $ 4 $ 13 $ 3 $ 87
Income/Loss: $ 291,002 $ 213,644($ 911,773) $ 15,282 $ 28,388($ 37,127) $ 6,690 $ 63,989($ 7,312) $ 94,832
Total Income: $ 739,289 $ 756,727 $ 59,074 $ 255,962 $ 626,403 $ 811,830 $ 12,617 $ 531,710 $ 506,696 $ 57,226
Paid Benefits: $ 103,308 $ 11,624 $ 41,379 $ 23,912 $ 19,496 $ 885,126 $ 64,321 $ 61,680 $ 62,350 $ 78,176
Expenses: $ 0 $ 99 $ 3 $ 59 $ 681 $ 8
  Commission: $ 10,793 $ 2,234 $ 2,616 $ 9,872 $ 85 $ 794 $ 827 $ 44 $ 810 $ 227
Net Income: $ 609,927 $ 590,470 $ 650,270 $ 275,383 $ 413,265($ 70,719) $ 40,187 $ 774,148 $ 30,430 $ 626,636
Net Assets: $ 2,488,021 $ 723,165 $ 9,171,404 $ 9,448,822 $ 620,823 $ 25,785 $ 868,435 $ 241,650 $ 981,251 $ 374,667

Participants

2020201920182017201620152014201220112010
Total Participants:31820410010408178086550178435
Active Part.:2765128411605509716854624110
Retired Part.:bf0 61ffdc33dff
Deceased Part.:1ca3e631bbbb33c1

Insurance

No Insurance Coverage

Providers

VDDUIKV CWSOPPORDS XHBBQDYZHZR

225 KENNETH DRIVE
ROCHESTER, NY 14623
TUKGMK SUBUFHMNXV UOENXSGD
4340 REDWOOD HWY STE B60
SAN RAFAEL, CA 94903
Investment advisory (participants)
Compensation:$9,117
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.

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

Health Benefits

Financials

2021202020192018201720162015201420132012
BOY Assets: $ 0 $ 7 $ 1 $ 0 $ 75 $ 522 $ 7 $ 78 $ 7
Liabilities: $ 0 $ 94 $ 1 $ 336
EE Contrib: $ 0 $ 6 $ 5 $ 114
Emp Contrib: $ 0 $ 5 $ 4 $ 5 $ 945 $ 99
Income/Loss: $ 0 $ 1 $ 8 $ 8 $ 56 $ 264 $ 2 $ 11 $ 0
Total Income: $ 0 $ 5 $ 52 $ 560 $ 5
Paid Benefits: $ 0 $ 592 $ 92 $ 2 $ 8 $ 5 $ 90 $ 5 $ 8
Expenses: $ 0 $ 88 $ 99 $ 6 $ 9 $ 989 $ 31
  Commission: $ 0 $ 7 $ 39 $ 5 $ 71
Net Income: $ 0 $ 7 $ 9 $ 9 $ 2 $ 2 $ 79 $ 8
Net Assets: $ 0 $ 87 $ 2 $ 0 $ 81

Participants

2021202020192018201720162015201420132012
Total Participants:283110251050534472975395126963
Active Part.:283256723772544175423215746643
Retired Part.:9d0f60f8bad418fd66d
Deceased Part.:d9366032cac3b62326bc20

Insurance

BGK LSKHYPQ AIEZSIGP MRUY SJBWRMGAS DHZCPKG
Renewal:06-30-2021
Covered:101
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 17,721
Commission15% $ 2,658
Fees2% $ 355
Brokers
AFY MNOVAGN UJHKMYQR VECH JZUUPJESA NFNZECC
Renewal:06-30-2021
Covered:123
  1. Life Insurance
  2. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 26,684
Commission15% $ 4,003
Fees2.17% $ 578
Brokers
KYSWHWMGAC UXKVBDQZY BBBGJUR BU JEUAKUZ
Renewal:06-30-2021
Covered:63
  1. ACCIDENT, CRITICAL ILLNESS, HOSPITAL INDEMNITY

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 19,379
Commission66.95% $ 12,974
Fees0% $ 0
Brokers
LREGN XVZGUT OI EINNESVREXOH
Renewal:06-30-2021
Covered:404
  1. Dental

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 72,236
Commission10% $ 7,224
Fees0% $ 0
Brokers
UEQJPJI VJXSEBWAW WWKMAPQKH JFBLULA
Renewal:06-30-2021
Covered:206
  1. Health
  2. Vision
  3. Prescription Drug
  4. PPO Contract

Retention: $ 458,431
Claims: $ 1,752,226
Loss Ratio:0.85
Exp Rated Premium $ 2,050,267
Non-Exp Rated Premium: $ 0
Commission5.04% $ 103,421
Fees0% $ 0
Brokers
MCO QOGXHLV FCGTAYRO BXTC YHYNPPTOV NBOXPMP
Renewal:06-30-2021
Covered:283
  1. Life Insurance
  2. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 16,505
Commission10.39% $ 1,715
Fees2.04% $ 337
Brokers
ZUI ZSWZNRC WNWRGBNC OLGM GRMVYXHBV YQRKCOF
Renewal:06-30-2021
Covered:283
  1. Temp. Disability Insurance

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 65,476
Commission4.8% $ 3,142
Fees2.04% $ 1,336
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).

    4Q - Other.


OSHA

Motor Carrier