ALJ REGIONAL HOLDINGS INC

18249 PHOENIX DR
HAGERSTOWN, MD 21742

Talking Points

For the Agent

These are points that might help guide an agent as they look to approach a prospect.

  • A break in policy terms may indicate inconsistent work load which can result in substandard employment.
Needs Attention

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 19th percentile compared to peers.
  • 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 Very Good, in the 18th 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.

  • 20% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 99th percentile at 20% of the market.
Good

Business Stats

Policy History

Term Carrier LCM
2022
04-13-2022

1.154
(Current: 1.140)
2022
06-25-2022

1.232
2022
06-25-2022

1.184
2021

1.140
2021

1.540
2021

1.184
2020

-
2019

1.315
2019

1.050
2018

1.315
2017

1.315
2016

1.052

Contacts

KUXTH XDCR
Chief Financial Officer
(340) 807-6815
TEPYC@yjweuitunidn.cqw

EVJJG HJMZ
Benefits Admin
(444) 038-0616
a4883

XEUHB V BZMT
Benefits Admin
(040) 172-6969
bd87

Afhr Lwoabjyis
President & Chief Executive Offi
(709) 328-8370
80c

Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 47,441,955 $ 13,814,522 $ 35,791,719 $ 85,115,328 $ 46,749,901 $ 90,425,073 $ 19,509,278 $ 64,964,992 $ 59,785,895 $ 79,773,722 $ 25,305,803 $ 52,072,347
Liabilities: $ 0 $ 0 $ 7 $ 894 $ 7 $ 8 $ 6 $ 0 $ 72
EE Contrib: $ 2,049,346 $ 4,764,125 $ 2,960,053 $ 3,644,807 $ 758,698 $ 5,367,700 $ 709,376 $ 876,745 $ 907,926 $ 473,526 $ 996,152 $ 504,308
Emp Contrib: $ 926,730 $ 530,204 $ 150,969 $ 173,449 $ 920,822 $ 745,307 $ 373,332 $ 780,018 $ 498,939 $ 487,132 $ 599,592 $ 754,572
Income/Loss: $ 1,490,736 $ 330,691 $ 9,093,605($ 5,788,850) $ 5,714,380 $ 7,413,676($ 409,030) $ 6,587,738 $ 3,114,612 $ 9,402,103($ 388,615) $ 5,847,533
Total Income: $ 8,536,126 $ 3,712,843 $ 38,846,287 $ 4,086,862 $ 3,805,979 $ 9,445,594 $ 3,242,223 $ 4,619,529 $ 8,603,712 $ 4,012,415 $ 580,415 $ 4,117,503
Paid Benefits: $ 5,765,893 $ 6,149,359 $ 899,039 $ 3,533,961 $ 239,146 $ 608,895 $ 2,224,638 $ 1,793,050 $ 782,932 $ 3,949,789 $ 4,756,395 $ 8,806,370
Expenses: $ 0 $ 6 $ 405 $ 4 $ 9 $ 316
  Commission: $ 97,366 $ 17,908 $ 23,673 $ 27,794 $ 47,597 $ 835 $ 92,654 $ 5,177 $ 23,803 $ 835,902 $ 409,146 $ 220,172
Net Income: $ 2,640,075 $ 2,268,042 $ 2,138,686($ 4,158,869) $ 1,128,369 $ 9,230,758($ 5,226,211)($ 9,327,103) $ 7,865,623 $ 318,711($ 517,212) $ 5,234,860
Net Assets: $ 50,082,030 $ 71,085,946 $ 61,708,105 $ 7,041,927 $ 93,390,960 $ 89,778,813 $ 3,506,906 $ 2,340,911 $ 21,832,562 $ 30,456,865 $ 79,653,702 $ 55,914,648

Participants

202120202019201820172016201520142013201220112010
Total Participants:488805796502541205365328065445859224
Active Part.:398285803540146534005466931914788926
Retired Part.:57982691848322
Deceased Part.:4 9f1e9b1ac2561a750

Insurance

No Insurance Coverage

Providers

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OQACS ZZMLL KPPJYSNL BWPLGKQH GLMInvestment advisory (plan)
Compensation:$84,846
Relation:ADVISOR
HXTXPSAAP WIQGPCJM, DFM.Investment advisory (plan)
Compensation:$10,851
Relation:ADVISOR
QYERGOWD TBJIPKWENLJ QOMLTUSZOFZWAParticipant loan processing
Sub-transfer agency fees
Recordkeeping fees
Account maintenance fees
Compensation:$1,668
Relation:RECORDKEEPER
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Source: ABF SM CAP VAL R5 - DST ASSET MANA
Sub-transfer agency fees
Compensation:0.04%
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Source: DODGE & COX INTL STK - DST ASSET M
Sub-transfer agency fees
Compensation:0.10%
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Source: DODGE & COX STOCK - DST ASSET MANA
Sub-transfer agency fees
Compensation:0.10%
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Source: TRP BLUE CHIP GRTH - T. ROWE PRICE
Sub-transfer agency fees
Compensation:0.15%
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Source: TRP SM CAP STOCK - T. ROWE PRICE S
Sub-transfer agency fees
Compensation:0.15%
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Source: WA CORE PLUS BOND I - BNY MELLON I
Sub-transfer agency fees
Compensation:0.10%

Features

    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.

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

    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.

    2E - Profit-sharing

Health Benefits

Financials

202120202019201820172016
BOY Assets: $ 0 $ 609 $ 7 $ 1 $ 40
Liabilities: $ 0 $ 524
EE Contrib: $ 0 $ 969 $ 89 $ 98 $ 88
Emp Contrib: $ 0 $ 35
Income/Loss: $ 0 $ 229 $ 4
Total Income: $ 0 $ 8 $ 458 $ 28 $ 8
Paid Benefits: $ 0 $ 77
Expenses: $ 0 $ 6 $ 58 $ 63 $ 8
  Commission: $ 0 $ 20 $ 790 $ 7
Net Income: $ 0 $ 38 $ 0 $ 8 $ 17
Net Assets: $ 0 $ 8 $ 0 $ 5

Participants

202120202019201820172016
Total Participants:401018751374323415
Active Part.:401951616169336168
Retired Part.:eb3e81b31b8b1
Deceased Part.:9c9e164e

Insurance

KQKJOB VJ NEZWF PTMQ ORZHQUYDC GQPRQEB
Renewal:12-31-2021
Covered:401
  1. Life Insurance
  2. Temp. Disability Insurance
  3. Long Term Disab. Ins
  4. AD&D

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 167,473
Commission3.98% $ 6,660
Fees4.82% $ 8,069
Brokers
IHSUGEMU MZXSZHXG EZUL XBNWIRCHU BHTKOAA
Renewal:12-31-2021
Covered:524
  1. Vision

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 35,779
Commission0% $ 0
Fees0% $ 0
CDMXM XNWUNJ JEO IRBZ XNQCCCWFF XSSHQOW
Renewal:12-31-2021
Covered:465
  1. Health
  2. Dental

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 3,687,252
Commission0% $ 0
Fees0% $ 0

Providers

No Providers

Features

    4A - Health (other than vision or dental).

    4B - Life insurance.

    4D - Dental.

    4E - Vision.

    4H - Long-term disability.

    4L - Death benefits (include travel accident but not life insurance).

Motor Carrier