2017 Dealership Insurance & Benefits TRUCK Survey Results Based on 58 responses
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1 2017 Dealership Insurance & Benefits TRUCK Survey Results Based on 58 responses
2 2017 Dealership Insurance & Benefits Survey Results Truck - 58 Responses The Pennsylvania Automotive Association (PAA) has prepared the following 2017 Dealership Insurance & Benefits Survey Results to assist its dealer members in being as efficient as possible in the operation of their dealerships and to reflect the industry s participation in insurance programs and employee benefits. PAA s Dealership Insurance & Benefits Survey Results captures information that is not included in NADA s annual Dealership Workforce Study, and PAA highly recommends that dealerships participate in the NADA Study each year to receive information on sales and compensation trends. Employees value health care coverage perhaps more than any other benefit, but employers are struggling with the escalating costs of providing quality programs. PAA offers a number of insurance carriers in all areas of Pennsylvania with a wide range of benefit choices. These choices will enable employers to design benefit packages that meet their needs and fit their budget. We provide the enclosed information for your use in comparing your benefit options with those of other dealerships throughout Pennsylvania. For all your employee benefit needs, contact PAA Insurance Agency - the brokers who know your business. John Devlin, President/CEO JDevlin@paa.org Eileen Mayfield, Director Insurance EMayfield@paa.org Darren Miller x3350 Senior Regional Manager DMiller@paa.org Cell: Deni Cecco x3403 DCecco@paa.org Cell: Matt Rhodes x3377 MRhodes@paa.org Cell: Shantell Robertson x3402 SRobertson@paa.org Cell: Deb Shoemaker x3335 DShoemaker@paa.org Cell: Tara Shaffer x3366 Tshaffer@paa.org Cell: info@paa.org Telephone: Website: Address: 1925 N. Front Street Harrisburg, PA 17102
3 EMPLOYEES Does the dealership offer health insurance to its employees? 100% of Truck dealerships who completed this survey offer health insurance to employees. Does the dealership contribute to the cost of employee-only health coverage? 100% of dealerships contribute to employee costs. YES NO When dealers contribute to employee-only coverage, the average dealer across the state is contributing 86% of the premium or an average flat rate of $350 per month. DEPENDENTS Does the dealership contribute toward the cost of dependent care health coverage? Yes 76% When the survey of 58 truck dealerships was originally conducted, 76% reported that they contributed toward dependent health However, follow-up questions on the percent contributed or flat amount contributed resulted in ambiguous answers (Dealers reported contributing 74% of the cost of dependent health coverage and only one dealer reported a flat amount). Industry experts agreed. As a follow-up, an survey was sent clarifying that responders should not include amounts contributed to employee premiums. Only 28 responses were received, however dealers continued to report that the average dealership contributes 74% of the cost.
4 How are health insurance rate increases handled? Dealership absorbs total annual increase 36% Employee absorbs total annual increase 0% Increase is split between dealership and employee 64% When increase is split between dealer and employee, most common split is employer 70/employee 30. Does the dealership offer Health Savings Accounts (H.S.A.)? 28% offer H.S.A.s Does the dealership offer Health Reimbursement Arrangements (HRA)? 38% offer HRAs Does the dealership offer self-funded Health Insurance? 18% offer self-funded health insurance Do you provide a Section 125 Plan to your employees? Yes 83% offer a Section 125 Plan
5 Which most accurately describes your dealership s dental plan: Dealership pays 100% of the cost of employeeonly portion of the cost of employee-only Dealership pays 100% of the cost of family portion of the cost of family Dealership offers coverage, but requires the employee to pay 100% of the cost. Dealership does not offer dental 17% 11% 9% 11% 4% 48% Which most accurately describes your dealership s vision plan: Dealership pays 100% of the cost of employeeonly portion of the cost of employee-only 7% 3% Dealership pays 100% of the cost of family portion of the cost of family 3% 9% Dealership offers coverage, but requires the employee to pay 100% of the cost. 67% Dealership does not offer vision 11%
6 Which most accurately describes your dealership s life insurance plan: 87% 1% 5% 7% Dealership pays 100% of the cost of coverage for employees. portion of the cost. Dealership offers coverage, but requires the employee to pay 100% of the cost. Dealership does not offer life insurance Tiered based on the employee s position (5%). A percentage of the annual salary (1%). Life Insurance is not offered (5%). What level of life insurance coverage does the dealership pay for? 25% One times the annual salary (25%). Same flat amount for all employees (64%). *The average dealer is paying a flat amount of $14, % Which plan(s) do you offer? Both a defined benefit and a 401(k) - 0% A defined benefit pension - 0% The dealership does not offer - 3% 401(K) 97% 87% match employee contributions to the 401(k) plan. 89% match based on salary, 11% based on profitability.
7 91% of dealerships provide short-term disability insurance to employees. 100% by employer 42% How are premiums paid? 100% by employee 56% Shared by employer and employee 2% 61% of dealerships provide long-term disability insurance to employees. 100% by employer 32% 100% by employee 68% Shared by employer and employee 0% Dealerships are also offering... 57% 66% 38% 50% 16% 0%
8 Employees at dealerships are eligible for vacation... Immediately upon hire -0% After 2-6 months After 6-12 months 9% 19% After 1 month -2% 70% After 1 year Employees with 1-4 years of service are entitled to days Less than 5 Employees with 5-10 years of service are entitled to days days days 5-9 days days days Are employees entitled to carry over unused vacation days? - 81% Do employees have the option of receiving payment for unused vacation days? 59% Yes 41% Which statement best describes the dealership s sick leave policy? Are employees allowed to carry unused sick days from one year to the next? 98% Pennsylvania Automotive Association 1925 rth Front Street, Harrisburg, PA PAA would like to thank the 480 new car and 58 truck dealerships who participated in the 2017 Insurance Benefits Survey. The PAA Insurance Agency can assist your dealership in determining what benefit options are right for your dealership s employees. Contact PAA today for all your benefit needs.
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