J M Deal Construction LLC

185 McCracken Rd
Danville, PA 17821

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 13th percentile compared to peers.
  • LCM Decreased by more than 75% of peers.

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.

  • 13% of peers have changed carriers since last year.
  • Of those who changed carriers, 11.5% decreased their LCM vs those who stayed with their current provider who saw a 2.2% increase, a difference of roughly 5x.
  • Current Carrier's market share is in the 50th percentile at 1.5% of the market.
Needs Attention

Business Stats

Policy History

Term Exp. Mod Carrier LCM

(Current: 1.388)







Industry Classification

Retirement Benefits


BOY Assets: $ 993,576 $ 899,952 $ 167,697
Liabilities: $ 0 $ 29
EE Contrib: $ 44,051 $ 11,894 $ 98,064
Emp Contrib: $ 18,455 $ 88,409 $ 86,059
Income/Loss: $ 109,035 $ 989,039 $ 384,386
Total Income: $ 171,541 $ 751,204 $ 116,316
Paid Benefits: $ 119,502 $ 2,147 $ 17,629
Expenses: $ 0
  Commission: $ 15,121 $ 74,758 $ 12,775
Net Income: $ 36,918 $ 837,354 $ 782,895
Net Assets: $ 1,030,494 $ 493,007 $ 793,320


Total Participants:132380
Active Part.:8389
Retired Part.:a911
Deceased Part.:a361


No Insurance Coverage


No Providers


    2E - Profit-sharing

    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.

    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.

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

    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.

    2T - Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.

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