Keystone Filler & Mfg Co Inc

214 Railroad St
Muncy, PA 17756

Talking Points

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.
  • Mod decreased by more than 75% of peers.
Good

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 Higher than 77% of peers.
  • Shopping around for a carrier that would provide a more competative tier would make sense.
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.

  • 6% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 75th percentile at 11.1% of the market.
Good

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
2023

2.100
2022

2.100
2021

2.100
2020

1.870
2019

1.870
2018

1.870
2017

1.750
2016

2.124
2015

1.954
2014

-
2013

-
2012

-
2011

-
2011
02-01-2010

-
2010

-
2009

-

Contacts

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President
(974) 765-9626
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Benefits Admin
(145) 862-0749
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Benefits Admin
(848) 879-9244
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Benefits Admin
(498) 163-9027
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Manager
(524) 309-2235
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HR and A/R manager
(916) 516-1060
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Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 1,676,963 $ 8,671,867 $ 3,812,899 $ 7,465,621 $ 4,754,390 $ 8,041,859 $ 3,203,799 $ 2,742,578 $ 848,870 $ 294,225 $ 725,099 $ 87,477
Liabilities: $ 0 $ 87 $ 8 $ 3
EE Contrib: $ 17,051 $ 18,519 $ 78,542 $ 96,944 $ 3 $ 64,292 $ 89,275 $ 91,064 $ 58,773 $ 67,105 $ 91,831 $ 22,716
Emp Contrib: $ 0 $ 6 $ 62,084 $ 12,322 $ 16,862 $ 51,100 $ 40,934 $ 29,931 $ 65,033
Income/Loss: $ 232,411 $ 354,607 $ 666,566($ 27,160) $ 584,528 $ 51,398($ 20,204) $ 65,072 $ 667,841 $ 69,662($ 73,675) $ 10,774
Total Income: $ 249,462 $ 795,499 $ 32,759($ 78,984) $ 919,104 $ 253,383 $ 22,758 $ 642,680 $ 491,388 $ 952,169 $ 697,665 $ 205,378
Paid Benefits: $ 0 $ 155 $ 25,597 $ 3,229 $ 846,179 $ 47,254 $ 65,334 $ 55,097 $ 27,981 $ 15,947 $ 87,964 $ 70,043
Expenses: $ 200 $ 211 $ 550 $ 7,043 $ 932 $ 668 $ 6,293 $ 456 $ 12 $ 550 $ 635
  Commission: $ 0 $ 8 $ 649 $ 6 $ 2 $ 6 $ 2
Net Income: $ 249,262 $ 390,442 $ 440,300($ 2,078) $ 1,473 $ 3,907 $ 54,718 $ 54,961 $ 848,053 $ 756,669 $ 7,820 $ 90,366
Net Assets: $ 1,926,225 $ 8,277,289 $ 4,309,323 $ 3,098,125 $ 8,488,653 $ 9,331,913 $ 4,040,133 $ 8,474,185 $ 3,861,516 $ 124,286 $ 806,664 $ 930,059

Participants

202120202019201820172016201520142013201220112010
Total Participants:267848187948628853297837
Active Part.:20853721717111376a7a1174a
Retired Part.:a2344f289191932b8da
Deceased Part.:9a8456656cd5b2f05 d

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.

    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)).


OSHA

Motor Carrier