HAUSER & MILLER CO INC

10950 LIN VALLE DR
SAINT LOUIS, MO 63123

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 11th percentile compared to peers.
  • In the last year, LCM Increased by 11%. While peers Increased an average of 2%.
Average

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.

  • 0% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 95th percentile at 61.5% of the market.
Good

Business Stats

Policy History

Term Carrier LCM
2023

1.370
2022

1.230
2021

1.230
2020

1.200
2019

1.150
2018

-

Contacts

DBCMDKG CRTOGFIVEDU
Owner
(884) 868-2880
q.ajjwujhvfkj@myzirgjzjuwdhpa.koq

Qpgbcba Kxzhkgztrky
President
(819) 268-7329
dudtkic@slixuhyfpjlkbuz.wel

NYWTLCD PKLWKNHZBUT
Benefits Admin
(379) 929-9648
2c3a

Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 1,711,581 $ 819,214 $ 2,919,508 $ 3,166,128 $ 2,411,991 $ 7,852,695 $ 460,532 $ 899,435 $ 572,077 $ 478,286 $ 61,717 $ 899,955
Liabilities: $ 0 $ 8 $ 11 $ 21 $ 1 $ 81 $ 4
EE Contrib: $ 34,040 $ 56,178 $ 99,315 $ 10,500 $ 10,732 $ 63,922 $ 43,648 $ 95,366 $ 54,639 $ 68,618 $ 85,498 $ 38,171
Emp Contrib: $ 9,516 $ 86,644 $ 37,786 $ 79 $ 6,336 $ 36,994 $ 37,107 $ 19,376 $ 7,009 $ 52,045 $ 95,003 $ 4,207
Income/Loss: $ 196,695 $ 223,212 $ 580,881($ 13,117) $ 942,692 $ 9,075($ 6,867) $ 48,255 $ 83,301 $ 45,262($ 160) $ 18,751
Total Income: $ 240,251 $ 354,172 $ 439,509($ 18,830) $ 388,301 $ 966,629 $ 29,852 $ 74,415 $ 524,601 $ 626,014 $ 128,145 $ 44,518
Paid Benefits: $ 167,562 $ 22,071 $ 88,761 $ 100 $ 345,258 $ 6,786 $ 5,470 $ 3 $ 4,200 $ 297 $ 6
Expenses: $ 0 $ 9 $ 9 $ 68 $ 0 $ 86 $ 986 $ 9 $ 93
  Commission: $ 4,582 $ 9,015 $ 1,809 $ 6,943 $ 3,985 $ 182 $ 5,993 $ 9,969 $ 9,379 $ 6,051 $ 356 $ 259
Net Income: $ 68,107 $ 98,123 $ 253,535($ 32,405) $ 27,421 $ 83,433 $ 45,217 $ 84,322 $ 343,012 $ 926,914 $ 969,029 $ 47,506
Net Assets: $ 1,779,688 $ 2,186,676 $ 3,478,582 $ 3,760,046 $ 285,482 $ 9,700,174 $ 5,562,007 $ 2,796,839 $ 83,557 $ 390,261 $ 86,504 $ 773,658

Participants

202120202019201820172016201520142013201220112010
Total Participants:1018475921471419281714
Active Part.:714788351829063f26
Retired Part.:0 9afcc0aa51696bc6da92
Deceased Part.:2cad8a0e218928148e1c122

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.

    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.


OSHA