A & L DISPOSAL LLC

PO BOX 269
BAYONNE, NJ 07002

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 3rd percentile compared to peers.
  • Mod decreased by more than 75% of 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.

  • 16% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 1st percentile at 2.9% of the market.
Needs Attention

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 Exp. Mod Carrier LCM
2022

-
2022

1.383
2021

-
2020

-
2019

-
2018

-
2017

-
2017

-
2016

-
2015

-
2015

-
2014

-

Contacts

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Benefits Admin
(718) 423-6555
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Benefits Admin
(734) 253-6175
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President
(942) 973-2420
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(504) 387-0544
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822
(627) 626-5266
935

Industry Classification

Retirement Benefits

Financials

20212020201920182017201620152014
BOY Assets: $ 293,984 $ 437,356 $ 84,912 $ 30,849 $ 30,771 $ 4,980 $ 4,678 $ 9,311
Liabilities: $ 0 $ 127 $ 1 $ 2 $ 18 $ 4 $ 9
EE Contrib: $ 65,283 $ 84,651 $ 804,300 $ 10,168 $ 78,674 $ 89,614 $ 5 $ 5
Emp Contrib: $ 0 $ 29 $ 471 $ 439
Income/Loss: $ 36,426 $ 41,711 $ 80,364($ 819) $ 6,764 $ 119($ 312) $ 147
Total Income: $ 101,709 $ 248,796 $ 5,007 $ 99,458 $ 69,352 $ 31,775($ 97) $ 288
Paid Benefits: $ 2,152 $ 8,318 $ 1,794 $ 9,099 $ 7,358 $ 883 $ 6 $ 99
Expenses: $ 0 $ 4 $ 7 $ 156 $ 72 $ 99 $ 44
  Commission: $ 3,943 $ 6,422 $ 8,963 $ 7,351 $ 886 $ 8 $ 5 $ 6
Net Income: $ 95,614 $ 41,086 $ 142,563 $ 43,774 $ 80,660 $ 544($ 579) $ 835
Net Assets: $ 389,598 $ 763,126 $ 630,204 $ 86,988 $ 95,307 $ 77,572 $ 7,707 $ 9,204

Participants

20212020201920182017201620152014
Total Participants:5134047479772172
Active Part.:4847706565242439
Retired Part.:964c73edf24f34
Deceased Part.:5d ce5ceced f

Insurance

No Insurance Coverage

Providers

No Providers

Features

    2A - Age/Service Weighted or new comparability or similar plan - Age/Service Weighted Plan: Allocations are based on age, service, or age and service. New comparability or similar plan: Allocations are based on participant classifications and a classification(s) consists entirely or predominantly of highly compensated employees; or the plan provides an additional allocation rate on compensation above a specified threshold, and the theshold or additional rate exceeds the maximum threshold or rate allowed under the permitted disparity rules of section 401(l).

    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.


OSHA

Motor Carrier