TATA COMMUNICATIONS INC

90 MATAWAN RD
MATAWAN, NJ 07747

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 16th 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.

  • 22% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 99th percentile at 21.3% of the market.
Good

Business Stats

Policy History

Term Exp. Mod Carrier Premium LCM
2023
PEO
0.750
2023
PEO
-
2023

2.348
2023

1.103
2023

3.270
2023

3.261
2023

-
2023

0.831
2023

-
2023

1.071
2023
PEO
0.752
2023

0.977
2023

2.144
2023

1.000
2022
PEO
1.250
2022
PEO
1.224
2022
PEO
-
2022

2.899
2022

1.103
2022

2.970
2022

2.348
2022

2.244
2022

-
2022

2.367
2022

1.730
2022

-
2022

0.976
2022

2.030
2022

1.001
2022

-
2021
PEO
1.335
2021
PEO
-
2021
PEO
1.220
2021

2.631
2021

1.062
2021

2.348
2021

2.900
2021

2.111
2021

2.207
2021

1.740
2021

-
2021

-
2021

1.032
2021

1.449
2021

3.031
2021

1.976
2021

1.279
2021

-
2020

-
2020

-
2020

0.850
2020

-
2020

0.900
2020

-
2020

0.892
2020

-
2020

1.060
2020

1.120
2020

1.110
2020

1.000
2020

1.000
2020
07-01-2020

1.018
2019

-
2019

-
2019

0.850
2019

-
2019

1.061
2019

0.900
2019

-
2019

1.065
2019

1.065
2019

1.250
2019

0.892
2019

-
2019

1.060
2019

1.120
2019

1.110
2019

1.000
2018

-
2018

-
2018

-
2018

1.061
2018

0.900
2018

-
2018

1.000
2018

-
2018

0.892
2018

-
2018

1.060
2018

1.110
2018

1.125
2018

1.000
2017

-
2017

-
2017

-
2017

1.061
2017

0.900
2017

-
2017

1.000
2017

0.811
2017

-
2017

1.060
2017

1.110
2017

1.125
2017

1.000
2017

-
2016

-
2016

-
2016

-
2016

1.387
2016

1.283
2016

-
2016

1.450
2016

-
2016

1.081
2016

2.178
2016

1.906
2016

-
2015

-
2015

-
2015

-
2015

1.387
2015

-
2015

-
2015

-
2015

1.450
2015

-
2015

2.008
2015

-
2014

-
2014

-
2014

-
2014

1.110
2014

-
2014

-
2014

-
2014

-
2013

1.387
2013

-
2013

-
2013

-
2013

-
2013
07-01-2013

-
2012

1.387
2012

-
2012

-
2012
07-01-2012

-
2011

-
2011

-
2011
07-01-2011

-
2010
07-01-2010

-
2009

-

Contacts

35a
(965) 087-3277
539

1
(506) 210-9828
a9

b11
(622) 033-6159
1e3e3

12
(075) 596-1704
332

QMJGBZI VFHERMY
Benefits Admin
(010) 706-9789
7a2

9
(372) 751-2138
139 a

DKEA MSOMEE
Benefits Admin
(739) 347-3927
4c91

KOSIQJJ UGDJYEF
Benefits Admin
(346) 906-4588
0e1e2

PTJLJBC SRYZWMKXN
Benefits Admin
(971) 995-7585
20b3

CKTJY QHGLCGF
Benefits Admin
(469) 583-5026
915e

MUHX YGUDXDJAZDYQ
Benefits Admin
(384) 613-9685
e15

AMLNJCI AUGRVNHZGR
Benefits Admin
(087) 928-7012
8b5

c0
(749) 898-7391
1c88e

Gqfhrx Xuzx
Senior Director - Global Head of
e6
0e3

DMG BPNXWT
Benefits Admin
(036) 664-1337
14ba

Industry Classification

Retirement Benefits

Financials

20212020201920182017201620152014201320122011
BOY Assets: $ 124,067,763 $ 676,869,804 $ 43,076,997 $ 41,451,717 $ 57,167,353 $ 53,569,801 $ 23,167,219 $ 79,480,681 $ 98,936,627 $ 81,354,011 $ 1,002,197
Liabilities: $ 0 $ 73 $ 2,132 $ 930 $ 97 $ 77
EE Contrib: $ 4,786,343 $ 2,180,530 $ 4,860,718 $ 1,546,016 $ 4,951,331 $ 5,132,091 $ 392,952 $ 1,883,733 $ 1,982,484 $ 2,880,742 $ 6,639,196
Emp Contrib: $ 2,005,961 $ 2,681,599 $ 3,635,477 $ 7,797,692 $ 3,938,418 $ 4,048,742 $ 347,794 $ 82,559 $ 8,696,480 $ 6,425,086 $ 3,904,488
Income/Loss: $ 8,750,522 $ 70,911,158 $ 76,540,869($ 89,547,896) $ 90,384,601 $ 8,992,280($ 8,313,274) $ 47,067 $ 7,813,115 $ 3,904,463($ 8,393,033)
Total Income: $ 26,144,290 $ 28,271,809 $ 58,175,170 $ 5,872,239 $ 59,154,899 $ 30,581,750 $ 3,966,957 $ 80,306,000 $ 76,803,803 $ 91,913,459 $ 9,012,146
Paid Benefits: $ 15,749,221 $ 22,213,999 $ 4,223,967 $ 46,036,047 $ 1,674,929 $ 34,757,307 $ 6,203,047 $ 1,163,714 $ 7,227,750 $ 8,710,983 $ 9,974,888
Expenses: $ 0 $ 94 $ 5 $ 5 $ 3 $ 1 $ 758 $ 7 $ 8 $ 7
  Commission: $ 6,154 $ 98,263 $ 60,648 $ 60,642 $ 84,085 $ 77,350 $ 32,304 $ 87,751 $ 76,447 $ 85,236 $ 841,953
Net Income: $ 10,388,915 $ 69,371,589 $ 13,676,392($ 6,917,286) $ 70,915,328 $ 4,136,339 $ 5,791,750 $ 9,538,970 $ 5,958,778 $ 1,179,690 $ 3,628,289
Net Assets: $ 134,456,678 $ 245,736,122 $ 622,706,680 $ 23,289,291 $ 47,404,663 $ 59,891,240 $ 41,504,407 $ 65,082,044 $ 68,853,689 $ 77,655,358 $ 92,194,032

Participants

20212020201920182017201620152014201320122011
Total Participants:540907398167231129083379654005658
Active Part.:272004813816452615823788991712319
Retired Part.:aac3421c4596379a4 1c711
Deceased Part.:877b66444d556763

Insurance

NTY DJOX XWGV FKDBXCAOC YEZOUMZ
Renewal:12-31-2021
Covered:102
PENSION_EOY_SEP_ACCT_AMT: 4968974PENSION_PREM_PAID_TOT_AMT: 0

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 0
Commission $ 0
Fees $ 0
Brokers

Providers

CAWZDELC NNHQSMYJWSZ FRWPKHRYIBAEK
NXAKSXENYBZL IYVUDVXP, RUGNamed fiduciary
Other services
Compensation:$53,962
Relation:INVESTMENT ADVISOR
NNQGSMGXX KEIJWCND, WKT.Investment advisory (plan)
Compensation:$43,266
Relation:ADVISOR
PIQFEEYO ERNPYAGJMOW HUGWVIKENRGVFParticipant loan processing
Sub-transfer agency fees
Recordkeeping fees
Account maintenance fees
Securities brokerage commissions and fees
Compensation:-$91,026
Relation:RECORDKEEPER
INWUEINT KUJKHETFHWS JFUIBSVIKJTGL
Source: INVESCO STEELPATH MLP ALPHA PLUS A
Sub-transfer agency fees
Compensation:0.40%
RSYSWIFI CQFWALSUENI BQWIHYQXDTBTN
Source: ALGER SMALL CAP FOCUS CLASS A
Sub-transfer agency fees
Compensation:0.40%
SHBIQHBQ OFLFTTNGRNW BIMKFSHYRDRPH
Source: AMANA MUTUAL FUND TRUST INCOME
Sub-transfer agency fees
Compensation:0.40%
BRZPLOVJ JHINCRWGZXD MCRNCUEPVTJGL
Source: AMANA MUTUAL FUND TRUST GROWTH
Sub-transfer agency fees
Compensation:0.40%
JBLBBDAC ZUEMVFAVRJF ZWSJWQXPREQDZ
Source: AMERICAN BEACON ARK TRANS INNOVTN
Sub-transfer agency fees
Compensation:0.40%
EKWLIVON RRWJELZJUOX YJCNXBCJVGLYG
Source: AMERICAN CEN FOCUSEDDYNAMIC GROWTH
Sub-transfer agency fees
Compensation:0.35%
VTBPGENX TJLQQBYBFVF NUHHBSRPDUGZC
Source: AMERICAN MUTUAL FUNDCLASS A
Sub-transfer agency fees
Compensation:$18.00
JJBIFQZL UUZHKLEVXDV MFTSPXOEQWZZT
Source: BNY MELLON SMALL MIDCAP GROWTH A
Sub-transfer agency fees
Compensation:0.40%
SBKCXGAT QQHIVXKEUMM YEATCHFJDLLGN
Source: BLACKROCK MID CAP GROWTH EQUITY CL
Sub-transfer agency fees
Compensation:0.40%
KZFQHMIT EZSIDRLEMWA MBIZDFUMTOQGK
Source: BLACKROCK TECHNOLOGYOPPORTUNITIES
Sub-transfer agency fees
Compensation:0.40%
OFXVEGDZ PSPJARIVQQX JUDVXEIZCAGHH
Source: COLUMBIA SELIGMAN TECH AND INFO CL
Sub-transfer agency fees
Compensation:0.40%
LLYAJYWH RLRBHTFLNHY MKLAMIINYCGVG
Source: DFA EMERGING MARKETS SMALL CAP
Sub-transfer agency fees
Compensation:0.02%
YNEWDNAJ KVDCOVOZFVM MBYDOHSIWZIJD
Source: FIRST EAGLE GOLD CLASS A
Sub-transfer agency fees
Compensation:0.40%
QDGMSHWJ QJLHFBFFTWT KSVFNYDMMZSLP
Source: FIRSTHAND TECHNOLOGYOPPORTUNITIES
Sub-transfer agency fees
Compensation:0.40%
QTOLSWKO YNYVLOTZTKQ VKHIAEURAPDLG
Source: CLEARBRIDGE SELECT FUND CL A
Sub-transfer agency fees
Compensation:0.40%
QEDDWQTH XQWONFNVYHK ODAXWWLWGHTNP
Source: MORGAN STANLEY DISCOVERY PORT CL A
Sub-transfer agency fees
Compensation:0.40%
TQFMLJJQ AWCIUXQZETZ KWOHUJWLCCTGL
Source: MORGAN STANLEY INSIGHT A
Sub-transfer agency fees
Compensation:0.40%
NFMRXKUR FKOSWRRHQNS ESRLDBCCZVWAA
Source: MORGAN STANLEY INSTLADVANTAGE CL A
Sub-transfer agency fees
Compensation:0.40%
WPBMSXHI ZZGIMQXBHLR YEATUYADXLURG
Source: PFG MFS AGGRESSIVE GROWTH STRATEGY
Sub-transfer agency fees
Compensation:0.40%
JCCVABHT IHTUFEPRROD RLAAYZKGCSOUD
Source: PFG JP MORGAN TACTICAGGRESSIVE STR
Sub-transfer agency fees
Compensation:0.40%
QOTQAXQF JJTRCNDVLQA GFHUAMITGHEKN
Source: PFG BNY MELLON DIVERSIFIER STRAT R
Sub-transfer agency fees
Compensation:0.40%
NACGHZMZ AZGIPHINWLQ VHVMKZJLBIQGL
Source: PFG MEEDER TACTICAL STRATEGY FUND
Sub-transfer agency fees
Compensation:0.40%
EMWODDBD OPUCHUQPNZJ LCOBXJVRNKMXC
Source: PFG INVESCO THEMATIC ESG STRATEGY
Sub-transfer agency fees
Compensation:0.40%
SVHPGIKB QTLMWFLPOFF AMYJOIGSUQOTN
Source: PFG JANUS HENDERSON BALANCED STRAT
Sub-transfer agency fees
Compensation:0.40%
DWVPPATE TJLAETHKTQI DERLZJZHOPFRX
Source: PFG TACTICAL INCOME STRATEGY CL R
Sub-transfer agency fees
Compensation:0.40%
IGBKDQLR OIKKYDAPYYP AVKJIVQVDJOLB
Source: PFG EQUITY INDEX FOCUSED STRATEGY
Sub-transfer agency fees
Compensation:0.40%
LCAAGUIY NOQCGJFSFGU OKDJPSGTIKLEW
Source: PFG SECTOR EQUITY BUS CYCLE STRAT
Sub-transfer agency fees
Compensation:0.40%
CMOEUOZE KFRNBKRXBOW GYGOYKKWKLFMO
Source: PFG BR EQUITY ESG STRATEGY CL R
Sub-transfer agency fees
Compensation:0.40%
SPSCGPZK CKXIUNOFXRV LLTZBGAXVQGTT
Source: PFG AMERICAN FUNDS GROWTH STRAT CL
Sub-transfer agency fees
Compensation:0.40%
IVRGSVDQ PHVWBTJHEVL KMRCDJOSVJOWK
Source: RYDEX ENERGY SVCS INVESTOR CLASS
Sub-transfer agency fees
Compensation:0.40%
DIQLQBLH EXURUYEJWGP PKSCYRWCZJDSI
Source: SHELTON GREEN ALPHA FUND S CLASS
Sub-transfer agency fees
Compensation:0.40%
MCBOIEHW PHXICYNOXDB NUIXEUODAMFMI
Source: TRANSAMERICA CAPITAL GROWTH CL A
Sub-transfer agency fees
Compensation:0.40%

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.

    2R - Participant-directed brokerage accounts provided as an investment option under the plan.

Health Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 0 $ 28 $ 594 $ 26 $ 0 $ 90 $ 805 $ 46 $ 50 $ 615 $ 5 $ 2
Liabilities: $ 0 $ 7 $ 37 $ 5 $ 1 $ 8
EE Contrib: $ 0 $ 88 $ 7 $ 5 $ 3 $ 26 $ 6 $ 5
Emp Contrib: $ 0 $ 6 $ 32 $ 87 $ 70 $ 6 $ 7 $ 667 $ 6 $ 7
Income/Loss: $ 0 $ 1 $ 7 $ 44 $ 67 $ 4 $ 4 $ 7 $ 21 $ 96
Total Income: $ 0 $ 8 $ 3 $ 70 $ 98 $ 7
Paid Benefits: $ 0 $ 59 $ 5 $ 4 $ 5 $ 48 $ 1 $ 5
Expenses: $ 0 $ 84 $ 835 $ 4 $ 157 $ 3 $ 0
  Commission: $ 0 $ 882 $ 8 $ 34 $ 5 $ 3 $ 5
Net Income: $ 0 $ 8 $ 8 $ 383 $ 393 $ 9 $ 3 $ 88 $ 33
Net Assets: $ 0 $ 2 $ 5 $ 5 $ 4 $ 41

Participants

202120202019201820172016201520142013201220112010
Total Participants:245087954215173270328795585191815637
Active Part.:232459715294082738815717956008284463
Retired Part.:13570527092793701307
Deceased Part.:31ee6e19e5df93cee363637

Insurance

CCBLU GXMFOO RHK XZAN YOGNFOKWZ IYKKXRR
Renewal:12-31-2021
Covered:33
  1. Health
  2. Dental

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 618,435
Commission0.4% $ 2,450
Fees0% $ 0
Brokers
BBFEZ TNDPPT IPV BYZC CTYIGEGMB MVFONUY JNQ MTGEQOTJLI
Renewal:12-31-2021
Covered:220
  1. Health
  2. Dental
  3. Vision
  4. HMO Contract
  5. Indemnity Contract

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 4,645,334
Commission0% $ 0
Fees3.42% $ 158,890
Brokers
DFUV KCYDSSITO RRVCAOU TV ZVZNG TKEWUUL
Renewal:12-31-2021
Covered:33
  1. Life Insurance
  2. Long Term Disab. Ins
  3. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 39,378
Commission0.21% $ 83
Fees0% $ 0
Brokers
UJUV DPADABJWT GGRVZNK UK PHIJT LFETBKE
Renewal:12-31-2021
Covered:232
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 51,894
Commission9.46% $ 4,907
Fees0% $ 0
Brokers
QSOP LZPKXWLBS LDAULMU GT ZBQRJ UGGWDIS
Renewal:12-31-2021
Covered:232
  1. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 20,332
Commission7.55% $ 1,536
Fees0% $ 0
Brokers
QYIT GGJBQDTKJ FGEHQTQ TC SPKRH STLSDKO
Renewal:12-31-2021
Covered:232
  1. Life Insurance

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 117,920
Commission4.51% $ 5,324
Fees0% $ 0
Brokers
UFATDFQB WAJOMALR ILJQ IQXRGGOME RUBTIQN
Renewal:12-31-2021
Covered:46
  1. HOSPITAL INDEMNITY

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 25,726
Commission20.33% $ 5,229
Fees0% $ 0
Brokers
NJBPLEYDCQG IGYAXBQL SIQ HHMCNEXX LSDNPZQGK KF.
Renewal:12-31-2021
Covered:52
  1. LEGAL

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 13,881
Commission11.06% $ 1,535
Fees1.9% $ 264
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).