RHG CONSOLIDATED LLC

4770 N BELLEVIEW AVE STE 205
KANSAS CITY, MO 64116

Talking Points

For the Agent

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

  • Increasing LCM and decreasing market share may indicate carrier is tightening underwriting guidelines and/or has written higher risk accounts that they are less willing to fight for.
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 in-line with peers, in the 52nd percentile.
  • In the last year, LCM Increased by 8%. While peers Increased an average of 1%.
Needs Attention

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.

  • 12% of peers have changed carriers since last year.
  • Of those who changed carriers, 3.4% decreased their LCM vs those who stayed with their current provider who saw a 2% increase.
  • Current Carrier's market share is in the 1st percentile at 1.2% of the market.
Needs Attention

Business Stats

Policy History

Term Carrier Premium LCM
2022

1.810
(Current: 1.950)
2022

1.859
2022

1.950
2022

2.050
2022

1.820
2022

1.740
2021

1.810
2021

2.000
2021

-
2021

1.900
2021

1.820
2021

1.740
2020

1.810
2020

1.360
2020

2.000
2020

-
2020

1.880
2020

1.820
2020
11-19-2019

1.384
2020
11-19-2019

1.070
2019

1.890
2019

1.120
2019
10-04-2019

0.800

Contacts

CJZZA EDYONT
Chief Executive Officer
(698) 683-0313
mpdvioy@rbccxolkttsbr.cnn

FGOHH BMCNGZ
Benefits Admin
(113) 831-3682
f74

Industry Classification

Retirement Benefits

Financials

2021202020192018
BOY Assets: $ 8,819,587 $ 3,914,734 $ 894,623 $ 4
Liabilities: $ 0 $ 79 $ 82
EE Contrib: $ 1,531,826 $ 949,742 $ 729,897 $ 587,640
Emp Contrib: $ 460,901 $ 555,124 $ 667,140 $ 484,858
Income/Loss: $ 1,358,068 $ 2,929,162 $ 510,724($ 88,083)
Total Income: $ 3,353,409 $ 670,017 $ 9,608,619 $ 451,841
Paid Benefits: $ 1,966,050 $ 7,989,682 $ 6,171,706 $ 2,671
Expenses: $ 0 $ 6
  Commission: $ 88,701 $ 75,819 $ 94,066 $ 54,363
Net Income: $ 1,298,658 $ 339,712 $ 414,101 $ 278,807
Net Assets: $ 10,118,245 $ 81,962 $ 4,104,484 $ 45,184

Participants

2021202020192018
Total Participants:552337127421
Active Part.:38925301020
Retired Part.:33f4
Deceased Part.:7f05

Insurance

YPZT TRHJWPB KHZV ROPYOCKOX BAPRLVE
Renewal:12-31-2021
Covered:576
PENSION_EOY_SEP_ACCT_AMT: 0PENSION_PREM_PAID_TOT_AMT: 0

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 0
Commission $ 0
Fees $ 4,655
Brokers

Providers

DHMQTL WBMSA
1316 NORTH WALNUT STREET
CAMERON, MO 64429
Investment advisory (participants)
Compensation:$32,723
Relation:RIA
UQAXTTWD LAMR AJCNLDI, UFI
620 W. REPUBLIC RD SUITE 105
SPRINGFIELD, MO 65807
Accounting (including auditing)
Recordkeeping and information management (computing, tabulating, data processing, etc.)
Consulting (general)
Compensation:$4,596
Relation:NONE
JZKC XPGAXTG EGRD BWOJSOVQX WLXIOSYRecordkeeping and information management (computing, tabulating, data processing, etc.)
Investment management
Shareholder servicing fees
Sub-transfer agency fees
Float revenue
Distribution (12b-1) fees
'Soft dollar' commissions
Compensation:$1,439
Relation:RECORDKEEPER

Features

    2E - Profit-sharing

    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.

    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.

    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.

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

    2S - Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.

    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.

Health Benefits

Financials

20222021
BOY Assets: $ 0
Liabilities: $ 0 $ 9
EE Contrib: $ 0
Emp Contrib: $ 0 $ 6
Income/Loss: $ 0 $ 96
Total Income: $ 0
Paid Benefits: $ 0 $ 4
Expenses: $ 0
  Commission: $ 0 $ 17
Net Income: $ 0 $ 88
Net Assets: $ 0

Participants

20222021
Total Participants:298128
Active Part.:298185
Retired Part.:3
Deceased Part.:756

Insurance

EDWAATPE ZBRYLQJN FVYJ EQLOAYICE RASTYJB
Renewal:02-28-2022
Covered:10
  1. Indemnity Contract
  2. ACCIDENT, CRITICAL ILLNESS, CANCER

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 8,655
Commission41.14% $ 3,561
Fees0.24% $ 21
Brokers
NDKYDEYW
Renewal:02-28-2022
Covered:0
  1. Indemnity Contract
  2. ACCIDENT, CRITICAL ILLNESS, CANCER

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 0
Commission $ 0
Fees $ 0
NKQCDDZU BMVTRGOW NYQG ASYIBFACK UILTTAS
Renewal:02-28-2022
Covered:17
  1. Indemnity Contract
  2. ACCIDENT, CRITICAL ILLNESS, CANCER

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 5,893
Commission63.92% $ 3,767
Fees0% $ 0
Brokers
TOHYVUFR TQRLAAMM LWUM ICYJHBAEQ UFDZLAE
Renewal:02-28-2022
Covered:13
  1. Indemnity Contract
  2. ACCIDENT, CRITICAL ILLNESS, CANCER

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 11,812
Commission65.01% $ 7,679
Fees0% $ 0
Brokers
NNMIYMIX OKTTHDBH MJDU BQSTRYNHE PZRDDQK
Renewal:02-28-2022
Covered:19
  1. Indemnity Contract
  2. ACCIDENT, CRITICAL ILLNESS, CANCER

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 15,375
Commission64.98% $ 9,991
Fees0% $ 0
Brokers
RQOETEYTUBBFXKXF GTJGAFERB SJSUUPB
Renewal:02-28-2022
Covered:413
  1. Dental
  2. Vision
  3. Life Insurance
  4. Temp. Disability Insurance
  5. Long Term Disab. Ins
  6. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 265,798
Commission11.8% $ 31,373
Fees0% $ 0
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).