Client Server Specialists Inc

PO Box 1985
Southeastern, PA 19399

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 26th 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.

  • 8% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 99th percentile at 16.5% of the market.
Good

Business Stats

Policy History

Term Carrier Premium LCM
2022

1.490
(Current: 1.445)
2022

2.007
2022

-
2022

1.218
2022

1.505
2022
11-21-2022

-
2021

1.589
2021

2.007
2021

-
2021

-
2021

1.505
2020

2.582
2020

-
2020

-
2020

1.020
2019

2.542
2019

1.020
2019
11-21-2019

-
2018

-
2018
11-21-2018

-
2018
11-21-2018

1.190
2017

-
2017

-
2017

1.190
2016

-
2016

1.190
2015

-
2015

1.190
2014

-
2014

-
2014
11-21-2013

-
2013

-
2012

-
2011

-
2010

-
2010
02-01-2010

-
2009

-

Contacts

Adnxa Srznxqv
President
(767) 097-1244
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(176) 718-5792
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Lvave Dxagwxl
President
(091) 804-4430
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KQCIHQB B. ZWIPEYF
Benefits Admin
(751) 045-4749
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Lotoru Mjtqm, UwR
Senior Consultant
(635) 869-6974
RFnnes@jxhs.qce

Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 4,677,401 $ 1,601,099 $ 8,720,365 $ 9,212,354 $ 3,768,901 $ 3,454,202 $ 9,411,313 $ 7,529,250 $ 4,667,816 $ 8,082,223 $ 8,105,666 $ 653,790
Liabilities: $ 44 $ 44 $ 3 $ 3 $ 93 $ 5 $ 3
EE Contrib: $ 284,700 $ 833,494 $ 532,770 $ 403,079 $ 221,419 $ 828,485 $ 419,032 $ 22,244 $ 380,941 $ 865,391 $ 374,260 $ 229,521
Emp Contrib: $ 113,199 $ 656,486 $ 41,231 $ 29,422 $ 94,100 $ 69,720 $ 49,382 $ 74,115 $ 68,586 $ 70,368 $ 39,238 $ 33,542
Income/Loss: $ 676,747 $ 418,694 $ 514,929($ 237,416) $ 529,341 $ 461,470($ 79,948) $ 61,746 $ 392,663 $ 839,485($ 47,411) $ 10,066
Total Income: $ 1,074,646 $ 57,554 $ 812,770($ 8,561) $ 533,159 $ 982,255 $ 64,148 $ 690,025 $ 25,270 $ 616,874 $ 727,116 $ 302,926
Paid Benefits: $ 16,741 $ 685,370 $ 484,425 $ 27,127 $ 88,743 $ 6,387 $ 15,625 $ 74,521 $ 94,232 $ 391,302 $ 430 $ 538
Expenses: $ 0 $ 8,256 $ 992 $ 7 $ 6 $ 8
  Commission: $ 616 $ 28 $ 1,744 $ 9,229 $ 25,262 $ 73,540 $ 188 $ 7,953 $ 34,015 $ 9,086
Net Income: $ 1,057,289 $ 151,040 $ 438,469($ 653,965) $ 148,286 $ 595,176 $ 908,898 $ 830,089 $ 235,678 $ 407,066 $ 286,991 $ 85,262
Net Assets: $ 5,734,646 $ 1,286,806 $ 706,719 $ 4,433,572 $ 1,981,269 $ 2,271,119 $ 1,357,490 $ 8,942,342 $ 2,393,370 $ 2,479,280 $ 2,588,691 $ 1,237,392

Participants

202120202019201820172016201520142013201220112010
Total Participants:705132865000176259604430
Active Part.:4122026573162138fe0bdb
Retired Part.:c10d0da e9c7da75
Deceased Part.:6f8bfc40f71cad16fce77c

Insurance

No Insurance Coverage

Providers

No Providers

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.

    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.