Engle Printing and Publishing Co Inc and or Ensco Ltd

PO Box 500
Mount Joy, PA 17552

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 in-line with peers, in the 65th percentile.
  • There was a recent mod increase.
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 Higher than 85% of peers.
  • Shopping around for a carrier that would provide a more competative tier would make sense.
  • In the last year, LCM Decreased by 2%. While peers Increased an average of 0%.
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.

  • 26% of peers have changed carriers since last year. This might indicate carriers are competing aggresively for similar businesses to cover.
  • Of the 26% of peers who changed carriers, 10.6% decreased their LCM vs those who stayed with their current provider who saw a 2.2% increase, a difference of roughly 5x. This might indicate carriers are competing aggresively for similar businesses to cover.
  • Current Carrier's market share is in the 1st percentile at 3.7% of the market.
Needs Attention

Business Stats

Policy History

Term Exp. Mod Carrier LCM
2023

2.026
(Current: 2.084)
2022
01-01-2022

2.069
2021

1.699
2020

1.190
2019
01-01-2019

1.375
2018

1.375
2017

1.130
2016

1.050
2015

1.390
2014

-
2013

-
2012
01-01-2012

-
2011

-
2010

-
2009

-

Contacts

J.H. CZODP
SPHR, SHRM-SCP
(589) 329-9381
qrgzkv@ttlkvoeioqk.uid

I.O. YLKHU
Benefits Admin
(928) 180-3160
4e485

Vytgeok Jacxp
President
(178) 908-2457
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(848) 709-1419
33be2

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elytu@rhlxqphudqu.ept

Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 29,681,531 $ 43,187,345 $ 16,087,822 $ 74,833,666 $ 74,612,807 $ 60,330,293 $ 2,772,238 $ 65,311,811 $ 8,495,699 $ 72,031,827 $ 84,456,140 $ 1,909,922
Liabilities: $ 0 $ 2 $ 53 $ 0 $ 0 $ 1 $ 0 $ 3 $ 4
EE Contrib: $ 454,418 $ 665,778 $ 111,077 $ 832,022 $ 531,437 $ 506,229 $ 868,915 $ 663,033 $ 52,233 $ 321,557 $ 9,628 $ 847,018
Emp Contrib: $ 195,070 $ 558,442 $ 745,811 $ 436,750 $ 573,583 $ 492,518 $ 44,249 $ 199,837 $ 241,336 $ 727,868 $ 966,313 $ 764,096
Income/Loss: $ 3,329,260 $ 6,630,952 $ 2,401,895($ 7,625,133) $ 525,916 $ 8,008,575($ 86,796) $ 4,405,900 $ 2,425,281 $ 7,446,494($ 870,330) $ 3,212,424
Total Income: $ 3,991,092 $ 7,678,468 $ 1,344,397($ 344,635) $ 8,085,466 $ 67,454 $ 2,276,920 $ 6,151,963 $ 2,286,443 $ 8,481,604 $ 391,967 $ 3,674,793
Paid Benefits: $ 2,959,457 $ 4,783,540 $ 4,930,786 $ 9,848,775 $ 520,429 $ 4,727,369 $ 3,693,661 $ 159,337 $ 884,801 $ 8,575,993 $ 362,250 $ 4,912,548
Expenses: $ 0 $ 0 $ 3 $ 32 $ 9 $ 0 $ 62
  Commission: $ 164,889 $ 61,024 $ 16,609 $ 473 $ 728 $ 402 $ 478 $ 309 $ 55 $ 177 $ 183 $ 7,180
Net Income: $ 857,082 $ 5,496,353 $ 5,369,697($ 2,725,545) $ 5,176,243 $ 9,780,757($ 9,445,718) $ 8,913,753 $ 2,464,401($ 491,562)($ 226,411) $ 9,312,704
Net Assets: $ 30,538,613 $ 47,540,284 $ 56,807,376 $ 20,208,015 $ 20,495,614 $ 16,566,826 $ 26,396,978 $ 64,999,977 $ 77,517,105 $ 44,436,375 $ 85,911,992 $ 1,131,710

Participants

202120202019201820172016201520142013201220112010
Total Participants:235740196557474097819640166099078532
Active Part.:151676812041986387484867050500440883
Retired Part.:df3f8210d465d380
Deceased Part.:ec1310aa1a8977297617aa

Insurance

AYOK SDEWHVB IIR
Renewal:12-31-2021
Covered:273
PENSION_EOY_SEP_ACCT_AMT: 30242283PENSION_PREM_PAID_TOT_AMT: 0

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 0
Commission $ 0
Fees $ 65
Brokers

Providers

BEOJ PEFWDMD APW
399 PARK AVENUE
NEW YORK, NY 10043
Recordkeeping and information management (computing, tabulating, data processing, etc.)
Compensation:$111,328
Relation:RECORDKEEPER
ZLDAJB UOLVQMXGTP ERVIYOGJ
4340 REDWOOD HIGHWAY SUITE B-60
SAN RAFAEL, CA 94903
Investment advisory (participants)
Compensation:$53,561
Relation:ADVISOR

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.

Health Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 188,097 $ 5,389 $ 303,483 $ 552,249 $ 271,794 $ 700,243 $ 797,532 $ 900,952 $ 422,101 $ 16,294 $ 350,095 $ 580,308
Liabilities: $ 10,858 $ 22,502 $ 70,881 $ 83,635 $ 46,461 $ 58,176 $ 1,250 $ 62,813 $ 7,950 $ 22,305 $ 14
EE Contrib: $ 449,980 $ 593,310 $ 93,918 $ 70,669 $ 627,079 $ 590,173 $ 483,150 $ 537,967 $ 748,981 $ 67,459 $ 951,359 $ 381,540
Emp Contrib: $ 992,231 $ 7,982,616 $ 9,126,321 $ 2,567,418 $ 6,962,421 $ 1,592,046 $ 1,105,263 $ 102,253 $ 572,534 $ 1,042,588 $ 9,684,018 $ 7,123,553
Income/Loss: $ 0 $ 3 $ 608 $ 82 $ 0 $ 6 $ 3 $ 6
Total Income: $ 1,442,211 $ 586,544 $ 3,581,530 $ 8,180,502 $ 6,637,516 $ 978,620 $ 7,572,106 $ 4,453,975 $ 6,790,300 $ 4,639,595 $ 5,065,474 $ 2,897,419
Paid Benefits: $ 1,172,364 $ 4,252,543 $ 8,361,520 $ 2,403,524 $ 1,826,689 $ 7,789,953 $ 4,500,318 $ 8,916,691 $ 913,028 $ 9,782,667 $ 7,317,969 $ 1,507,076
Expenses: $ 0 $ 7 $ 2 $ 68 $ 67 $ 2 $ 9 $ 72 $ 7 $ 74
  Commission: $ 330,100 $ 410,949 $ 1,358 $ 609,122 $ 959,713 $ 238,189 $ 921,184 $ 384,291 $ 693,122 $ 706,810 $ 309,622 $ 848,905
Net Income:($ 60,253) $ 47,729($ 34,633) $ 261($ 486)($ 5,757)($ 8,417) $ 82,815($ 1,541) $ 3,095($ 8,259)($ 11,913)
Net Assets: $ 127,844 $ 760,934 $ 282,032 $ 11,317 $ 548,778 $ 676,776 $ 745,190 $ 99,286 $ 304,699 $ 900,812 $ 512,607 $ 902,672

Participants

202120202019201820172016201520142013201220112010
Total Participants:103344524758598711890791229214787696
Active Part.:103600750178177436887589737021380070
Retired Part.:0dd50254585400368
Deceased Part.:7919816c1a7afc425529c

Insurance

No Insurance Coverage

Providers

HWKTFXY EJINZKANCY, TIQ.Insurance agents and brokers
Compensation:$17,121
Relation:BROKER FEE

Features

    4A - Health (other than vision or dental).

Motor Carrier