INTERGRATED GLOBAL SERVICES
1038 RUTLEDGE RD
TRANSFER, PA 16154
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.
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 25th percentile.
LCM Rate
When you get coverage from a Carrier, you are placed in one of their 'Carrier Tiers' (An insurance company under the carrier's umbrella). These individual tiers get a rating from the bureau referred to as an LCM, which effects the premium you pay.
- The LCM of the Current Carrier isHigher超过81%的同行。
- Shopping around for a carrier that would provide a more competative tier would make sense.
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.
- 21% of peers have changed carriers since last year.
- Current Carrier's market share is in the 95th percentile at 10.5% of the market.
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.
Business Stats
Policy History
| Term | Carrier | Premium | LCM | |
|---|---|---|---|---|
| 2021 |
2.302 | |||
| 2020 |
2.005 | |||
| 2019 |
2.005 | |||
| 2018 |
2.005 | |||
| 2017 |
1.545 | |||
| 2016 |
1.545 | |||
| 2015 |
1.545 | |||
| 2014 08-25-2014 |
- | |||
| 2013 |
- | |||
| 2012 08-25-2012 |
- | |||
| 2011 |
- | |||
| 2011 11-20-2010 |
- | |||
| 2008 |
- |
Contacts
Industry Classification
Boiler Installation Or Repair
Metal Coating and Allied Services
Boiler Inspection, Installation, Cleaning or Repair
51869
China, Porcelain or Earthenware Mfg.
52660
Engraving
53803
Galvanizing or Tinning
99573
Tank Construction, Installation, Erection or Repair--Metal--Pressurized--within Buildings Exclusively
Retirement Benefits
Financials
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| BOY Assets: | $ 4,773,244 | $ 3,219,580 | $ 3,870,920 | $ 1,930,515 | $ 6,741,767 | $ 9,788,588 | $ 2,374,574 | $ 9,187,144 | $ 535,102 | $ 450,159 | $ 601,443 |
| Liabilities: | $ 0 | $ 68 | $ 3 | $ 63 | $ 872 | $ 7 | |||||
| EE Contrib: | $ 117,885 | $ 499,668 | $ 199,629 | $ 936,356 | $ 554,531 | $ 402,704 | $ 125,199 | $ 390,720 | $ 344,260 | $ 94,990 | $ 89,127 |
| Emp Contrib: | $ 178,903 | $ 116,910 | $ 584,078 | $ 915,080 | $ 25,832 | $ 47,623 | $ 5,678 | $ 3,061 | $ 71,683 | $ 12,772 | |
| Income/Loss: | $ 602,036 | $ 479,290 | ($ 897,088) | $ 766,494 | $ 24,882 | ($ 43,529) | $ 76,107 | $ 657,921 | $ 464,568 | ($ 93,558) | $ 651,415 |
| Total Income: | $ 898,824 | $ 812,926 | $ 153,535 | $ 4,405,973 | $ 729,597 | $ 817,282 | $ 232,319 | $ 753,474 | $ 813,312 | $ 24,155 | $ 166,491 |
| Paid Benefits: | $ 195,298 | $ 567,604 | $ 38,037 | $ 87,593 | $ 11,507 | $ 277 | $ 56 | $ 7 | $ 396 | ||
| Expenses: | $ 0 | $ 2 | $ 2 | $ 3,802 | $ 3 | $ 0 | $ 97 | $ 67 | $ 32 | ||
| Commission: | $ 8,061 | $ 4,169 | $ 7,015 | $ 77 | $ 566 | $ 710 | $ 810 | $ 549 | $ 8,775 | $ 9,388 | $ 5,430 |
| Net Income: | $ 695,465 | $ 6,797,982 | $ 803,089 | $ 950,942 | $ 175,029 | $ 438,930 | $ 469,882 | $ 769,301 | $ 895,211 | $ 73,616 | 360074美元 |
| Net Assets: | $ 5,468,709 | $ 3,535,515 | $ 1,441,047 | $ 3,849,174 | $ 3,954,825 | $ 7,650,651 | $ 2,936,914 | $ 9,809,531 | $ 3,255,133 | $ 9,739,809 | $ 229,214 |
Participants
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Participants: | 27 | 90 | 58 | 75 | 09 | 42 | 19 | 36 | 47 | 95 | 54 |
| Active Part.: | 24 | 49 | 84 | 50 | 26 | 37 | 25 | 4 | 1 | ee4 | f8 |
| Retired Part.: | d2f | 243 | 06 | 33 | 0d | d | d4 | 3e | 14 | 3 f3 | |
| Deceased Part.: | bd | b | 1 | 3b | f | f3 | 5 | e | eb | 8fb |
Insurance
No Insurance CoverageProviders
No ProvidersFeatures
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.
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.
2T- Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
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.
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.
Health Benefits
Financials
| 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|
| BOY Assets: | $ 0 | |||
| Liabilities: | $ 0 | $ 3 | $ 8 | $ 606 |
| EE Contrib: | $ 0 | $ 8 | $ 23 | |
| Emp Contrib: | $ 0 | $ 0 | $ 407 | |
| Income/Loss: | $ 0 | $ 104 | $ 5 | |
| Total Income: | $ 0 | |||
| Paid Benefits: | $ 0 | $ 66 | $ 8 | |
| Expenses: | $ 0 | $ 33 | $ 2 | |
| Commission: | $ 0 | $ 140 | ||
| Net Income: | $ 0 | $ 3 | $ 5 | $ 59 |
| Net Assets: | $ 0 | $ 0 |
Participants
| 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|
| Total Participants: | 149 | 029 | 504 | 26 |
| Active Part.: | 149 | 530 | 315 | 31 |
| Retired Part.: | e1 | 1 | 6 | |
| Deceased Part.: | d0 | dba | 82b |
Insurance
| FQXX KISPDTRAP CBJGVKD PR QUXRA LJCWATU 更新:12-31-2020 Covered:48
|
Retention:$ 0 Claims:$ 0 Loss Ratio: |
Exp Rated Premium$ 0 Non-Exp Rated Premium:$ 7,033 Commission10.88%$ 765 Fees0%$ 0 |
| Brokers | ||
|---|---|---|
| UXRRUM OCVAIE & KJNFLUAC JHH 4558 NKLIMILPO XFNZWH FXJDCJY, NR 41735 |
Commission$765 Fees$0 |
|
| PDIK YBZCDUTLP SZRYQFE CK AYDPY HRAGFUR 更新:12-31-2020 Covered:115
|
Retention:$ 0 Claims:$ 0 Loss Ratio: |
Exp Rated Premium$ 0 Non-Exp Rated Premium:$ 17,655 Commission14.84%$ 2,620 Fees0%$ 0 |
| Brokers | ||
| WIPAMZ FJKCCP & HLDKLYOX KDP 0216 MFFUPXYZK TRVPFQ TVVWWMO, DW 60031 |
Commission$2,620 Fees$0 |
|
| HRWB FRDFOXTDE PLTFHMH UM DTFQW OLYXDHT 更新:12-31-2020 Covered:150
|
Retention:$ 0 Claims:$ 0 Loss Ratio: |
Exp Rated Premium$ 0 Non-Exp Rated Premium:$ 23,657 Commission10.86%$ 2,570 Fees0%$ 0 |
| Brokers | ||
| YKFXEV SGVIMG YGQ JPRSHZYJ, JSJ 4174 OWENLIOMK NBSIKX SYFDWMK, AU 85523 |
Commission$2,570 Fees$0 |
|
| JKSF OKVLMGBYN PUEYQGA MI XERKD PMNSRLB 更新:12-31-2020 Covered:150
|
Retention:$ 0 Claims:$ 0 Loss Ratio: |
Exp Rated Premium$ 0 Non-Exp Rated Premium:$ 2,941 Commission10.88%$ 320 Fees0%$ 0 |
| Brokers | ||
| RUATFH XGRTKU ONN SQQNDTMJ WLA 3724 YIMQCPAXZ LKCEPT FMASYMN BQ 81944 |
Commission$320 Fees$0 |
|
| AKRJX RDHQIW MHU UOMH EGSGLOBPO MTVAQZJ LQD LYPASMOFDW 更新:12-31-2020 Covered:103
|
Retention:$ 0 Claims:$ 0 Loss Ratio: |
Exp Rated Premium$ 0 Non-Exp Rated Premium:$ 56,190 Commission4.94%$ 2,773 Fees0.47%$ 264 |
| Brokers | ||
| VKQGLO LLPJJC YHB ILVZQQXV, QKC 1761 FZNITJKQW CZPXKN WYRVWDN NX 58513 |
Commission$2,773 Fees$264 Fee for:GENERAL AGENT PAYMENTS |
|
Providers
No ProvidersFeatures
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).