Risk Management Compensation Survey. Conducted by
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1 2016 Risk Management Compensation Survey Conducted by
2 CONTENTS Purpose and Method... 1 Findings Respondent Profile Risk Manager Status... 2 Title... 2 Job Satisfaction... 3 Years of Corporate Risk Management Experience... 4 Leading Risk Management/Insurance Professionals... 4 Areas of Involvement... 5 Proportion Whose Job Responsibilities Have Expanded... 5 Titles Reporting To... 6 Tenure With Present Employer... 6 Work Location... 7 Age and Gender... 7 Degrees Received and Designations Held... 8 Organization Profile Industry... 9 Organization s 2015 Sales Volume Number of Staff at All Locations Number of Full-Time Risk/Insurance Professionals in Department Number of Full-Time Executive Assistants in Department Proportion Whose Departments Have Added More Staff Proportion Whose Departments Have Had Layoffs Number of Captive Insurers Utilized by Organization Locations of Captive Insurance Companies Compensation Annual Base Salary Change in Annual Base Salary Annual Base Salary by Segment Total Compensation Total Compensation by Segment Benefits Benefits Offered Amount of Company-Paid Life Insurance Received Readex Research
3 PURPOSE AND METHOD The findings cited in this report are based on a survey sponsored by ALM Media. The purpose of this research project was to gather compensation and employment information among risk management professionals. The survey sample of 5,802 included all able National Underwriter Property & Casualty magazine subscribers who indicated their type of business on the subscription form as Risk Management, P&C Insurance Purchasing, or Employee Benefits. Of the addresses sampled, 456 were returned as undeliverable, resulting in a net effective mailout of 5,346. The 30-question survey was designed jointly by ALM Media and Readex. Placement of the survey on a web page, distribution of the electronic survey invitations, and tabulation of the results were handled by Readex. On January 12, 2016, Readex contacted all sample members via an in the name of National Underwriter Property & Casualty s editor-in-chief, which included a link to the survey, asking for their participation in the study. It was mentioned that select results would be published in the April issue of National Underwriter Property & Casualty, and that respondents would receive a free copy of the complete aggregated results by (an incentive to participate). Reminder s were sent on January 18 and 28 to those with deliverable addresses who had not yet responded. The survey was closed for tabulation on February 1, 2016, with 586 total responses an 11% response rate based on the net effective mailout. To best represent the audience of interest, 86 respondents were terminated from the survey after indicating in the first question they do not consider themselves full- or part-time risk managers (15% of all survey respondents). This reduction implies an estimated population of 4,500 National Underwriter Property & Casualty recipients represented by the survey results. The margin of error for percentages based on 500 usable responses is ±4.1 percentage points at the 95% confidence level. The margin of error for percentages based on smaller sample sizes will be larger. As with any research, the results should be interpreted with the potential of non-response bias in mind. It is unknown how those who responded to the survey may be different from those who did not respond. In general, the higher the response rate, the lower the probability of estimation errors due to non-response and thus, the more stable the results. The response was tabulated and this report was prepared by Readex in accordance with accepted research standards and practices. Percentages may not add to 100% due to rounding and non-response. 1
4 FINDINGS: RESPONDENT PROFILE A majority of respondents consider themselves full-time risk managers (7) or part-time risk managers (1), hereafter referred to as risk managers. To best represent the audience of interest, the 15% of respondents who indicated they are not full- or part-time risk managers were thanked for their interest in the study and terminated from the survey. Risk managers were most likely to select risk manager or director/rm as best describing their title (30% and 29%, respectively). Risk Manager Status Do you consider yourself a full- or part-time risk manager? base: all 586 respondents full-time risk manager 7 part-time risk manager 1 neither 15% Title What best describes your title? risk manager director/rm 30% 29% vice president/rm 1 president/rm insurance/risk admin chief financial officer/rm chief risk officer assistant treasurer/rm enterprise risk manager assistant secretary/rm treasurer/rm other manager other 0% 0% 6% 8% 2
5 FINDINGS: RESPONDENT PROFILE Job satisfaction ratings tend to be high. Four in five risk managers (80%) are satisfied with their job overall (rating of 4 or 5 on a 5-point scale where 5 = very satisfied and 1 = not at all satisfied). Job Satisfaction Overall, how satisfied are you with your job? mean: % 4 38% 15% 1% 1 not at all satisfied very satisfied 3
6 FINDINGS: RESPONDENT PROFILE Seven in ten risk managers (71%) have at least 10 years of experience in corporate risk management, not including broker or carrier experience; the typical risk manager has 16 years of experience. Three in four risk managers (76%) indicated they are the leading risk management/insurance professional in their organization. Years of Corporate Risk Management Experience How many years of experience do you have in corporate risk management, not including broker or carrier experience? 30 or more 11% % % less than 5 9% none 7% 10+ years: 71% mean (average) years* 16.1 median* 16 Proportion Who Are the Leading Risk Management/Insurance Professional at Organization Are you the leading risk management/insurance professional in your organization? no 2 yes 76% *A mean is the arithmetic average of a distribution (i.e., a set of values). A median is considered the typical response. It is the value that lies at the middle of a distribution: that is, 50% of the values are above it and 50% are below. Unlike the mean, the median is not influenced by extreme values. 4
7 FINDINGS: RESPONDENT PROFILE Risk managers are involved (direct, supervise, advise, or some other type of involvement) in a variety of areas. Of the 19 listed areas, claims handling (81%), property insurance (80%), workers compensation (70%), and directors & officers liability (67%) are most common. About half (47%) indicated their job responsibilities expanded last year, not related to a promotion/job change. Areas of Involvement In which of the following areas are you involved (direct, supervise, advise, or some other type of involvement)? (multiple answers) claims handling property insurance workers' compensation directors & officers liability risk management information systems self-insurance financing/administration surety bonds safety/fire engineering cyber security strategic/enterprise risk management regulatory compliance international insurance reputational risk captive management finance/treasury political risk insurance benefits administration negotiating placement of benefit plans credit insurance 55% 5 47% 46% 46% 41% 39% 3 29% 27% 20% 16% 1 11% 6% 81% 80% 70% 67% Proportion Whose Job Responsibilities Have Expanded Have your job responsibilities expanded in the past year, not related to a promotion/job change? no 50% yes 47% no answer 5
8 FINDINGS: RESPONDENT PROFILE Risk managers report to person(s) of a variety of titles, none predominant. No more than 15% selected any one title as best describing the person(s) to whom they report. Approximately three in five risk managers (6) have been with their present employers for at least 10 years; the typical risk manager has been with his or her present employer for 14 years. Titles Reporting To What titles best describe the person(s) to whom you report? (multiple answers) director CEO CFO legal counsel treasurer VP senior VP president chief officer executive VP VP finance manager chairman controller assistant treasurer board member other 15% 1 1 9% 9% 9% 8% 7% 6% 5% 5% 1% 1% Tenure With Present Employer How many years have you been with your present employer? 30 or more 8% % % % less than 5 15% 10+ years: 6 mean (average) years 14.7 median 14 6
9 FINDINGS: RESPONDENT PROFILE Risk managers are dispersed across the United States. The typical risk manager is a 55-year-old male. Work Location In what state do you work? Midwest: 25% West: 17% Northeast: 18% South: 37% Age and Gender What is your age? What is your gender? AGE 65 or older under 30 10% 18% 2 19% 15% 6% mean age: 53.6 median: 55 GENDER male female 41% 56% 7
10 FINDINGS: RESPONDENT PROFILE The typical risk manager has a bachelor s degree and at least one professional designation. Degrees Received and Designations Held Which of these degrees have you received? What professional designations do you currently hold? (multiple answers) DEGREES RECEIVED Ph.D LLB/JD MBA/MA/MS BA/BBA/BS 1% 6% 3 87% DESIGNATIONS HELD ARM RN CPCU CPHRM CIC CRM AIC CPA CPHQ CRIS CSP CSRM CISR other AT LEAST ONE 1 11% 8% 7% 7% 5% 1% 1% 2 31% 70% 8
11 FINDINGS: ORGANIZATION PROFILE Approximately one in five risk managers (2) indicated their organization operates in the healthcare industry; no other industry accounts for more than 10%. Industry What best describes the industry in which your organization operates? healthcare insurance government manufacturing education financial services transportation retail real estate utility construction oil/petrochemical hotel/hospitality food industry technology/it other* 10% 10% 8% 7% 1 2 *includes chemical, communications, consumer products, entertainment, metals/mining, natural resources, publishing/media, and restaurant (each selected by < of respondents), and other (selected by 9%) 9
12 FINDINGS: ORGANIZATION PROFILE The typical risk manager reported their organization s 2015 sales volume as $840 million; the average was much higher at $3.48 billion, influenced by 9% reporting high volumes of $15 billion or more. The typical risk manager reported their organization employed 3,700 full- and/or part-time staff, including all locations, as of January 1, The average is much higher at 14,700, influenced by 1 reporting high staff volumes of 30,000 or more. Organization s 2015 Sales Volume What was your organization's 2015 sales volume? $15 billion or more $7.0 - $14.9 billion 9% 7% mean: $3.48 billion median: $840 million $1.0 - $6.9 billion 25% $500 - $999.9 million 7% $100 - $499.9 million 1 $1.0 - $99.9 million 19% less than $1.0 million 8% Number of Staff at All Locations As of January 1, 2016, how many full- and/or part-time staff did your organization employ, including all locations? 30,000 or more 1 20,000-29,999 6% 10,000-19,999 11% 5,000-9,999 10% 1,000-4,999 21% % % fewer than mean (average) employees 14,700 median 3,700 10
13 FINDINGS: ORGANIZATION PROFILE The typical risk manager indicated there are currently three full-time risk professionals and/or insurance professionals in their department, and no full-time executive assistants. Number of Full-Time Risk Professionals/Insurance Professionals in Department Including yourself, how many full-time risk professionals and/or insurance professionals are currently in your department? 25 or more % mean: 5.0 median: % 2 17% 30% Number of Full-Time Executive Assistants in Department How many full-time executive assistants are currently in your department? 3 or more 2 6% 6% mean: 0.6 median: % none 59% 11
14 FINDINGS: ORGANIZATION PROFILE One in five risk managers (2) indicated their departments have added more staff in the last 12 months; 7% reported departmental layoffs in this timeframe. Proportion Whose Departments Have Added More Staff Has your department added more staff in the last 12 months? no 76% yes 2 no answer Proportion Whose Departments Have Had Layoffs Have there been layoffs in your department in the past 12 months? no 90% yes 7% no answer 12
15 FINDINGS: ORGANIZATION PROFILE Two in five risk managers (39%) reported their organizations utilize at least one captive insurer. These captive insurance companies are most commonly domiciled in Bermuda, Cayman, and Vermont. Number of Captive Insurers Utilized by Organization How many captive insurers does your organization utilize? 5 or more 4 3 0% mean: 0.7 median: 0 2 9% 1 2 none 57% Locations of Captive Insurance Companies Where are these captive insurance companies domiciled? base: 197 risk manager respondents whose organizations utilize captive insurers (multiple answers) Bermuda Cayman Vermont New York Connecticut England South Carolina Hawaii Arizona Guernsey Ireland Barbados other 8% 6% 5% 5% 5% 1% 27% % 13
16 FINDINGS: COMPENSATION The typical full-time risk manager reported an annual base salary as of January 1, 2016, of $115,000. Two in three risk managers (67%) indicated their base salaries increased compared with one year prior; the average change in salary was 3.. One in four (25%) reported no change, and very few (1%) reported a decrease. Annual Base Salary [Full-Time Risk Managers] As of January 1, 2016, what was your annual base salary? Exclude overtime, draws, commissions, bonuses, incentive pay, profit sharing, retirement benefits paid, other cash compensation, and the monetary value of any other benefits. base: 422 full-time risk manager respondents (fill-in answers) $300,000 or more 1% $200,000 - $299,999 $175,000 - $199,999 $150,000 - $174,999 7% 8% 9% median: $115,000 $125,000 - $149,999 1 $100,000 - $124,999 $75,000 - $99,999 19% 2 $50,000 - $74,999 10% less than $50,000 nothing Change in Annual Base Salary Compared with one year prior, how did your annual base salary change as of January 1, 2016? INCREASED 67% NO CHANGE 25% DECREASED cannot compare; not in same position as one year prior 1% mean: 3. median: 14
17 Following is an analysis of full-time annual base salary as of January 1, 2016, by a variety of variables to better understand how risk manager characteristics relate to compensation. Three values are reported for each measure: 25% of full-time risk managers earn less than the 25th, 50% earn less than the 50th (or median), and 75% earn less than the 75 th. Annual Base Salary by Segment [Full-Time Risk Managers] As of January 1, 2016, what was your annual base salary? Exclude overtime, draws, commissions, bonuses, incentive pay, profit sharing, retirement benefits paid, other cash compensation, and the monetary value of any other benefits. base: full-time risk manager respondents in each segment (fill-in answers) n 25 th 50 th (median) 75 th Title risk manager 137 $77,000 $96,000 $120,000 president/rm 11 $120,000 $175,000 $225,000 vice president/rm 55 $126,000 $170,000 $200,000 director/rm 122 $105,800 $130,000 $160,000 chief risk officer 8 $118,500 $138,000 $148,800 insurance/risk admin 12 $49,500 $71,000 $88,100 Years of Corporate Risk Mgmt Experience $100,000 $135,000 $180, $107,500 $130,000 $179, $90,000 $114,000 $145, $79,900 $93,300 $117, $77,800 $90,000 $108,500 <3 12 $50,000 $62,500 $72,900 none 18 $34,500 $75,100 $104,300 Education Ph.D, LLB/JD, MBA/MA/MS 154 $99,800 $129,800 $166,000 BA/BBA/BS 349 $90,000 $117,000 $158,000 none of these 49 $58,500 $90,000 $120,000 Job Satisfaction (5-point scale) satisfied (rating of 4 or 5) 321 $88,000 $118,000 $155,000 neutral (rating of 3) 60 $79,600 $101,600 $130,400 not satisfied (rating of 1 or 2) 15 $85,000 $105,000 $155,000 Region Northeast 68 $110,000 $135,000 $180,000 Midwest 101 $73,000 $107,000 $142,900 South 148 $82,300 $105,500 $143,600 West 69 $91,500 $115,000 $147,700 15
18 continued Annual Base Salary by Segment [Full-Time Risk Managers] As of January 1, 2016, what was your annual base salary? Exclude overtime, draws, commissions, bonuses, incentive pay, profit sharing, retirement benefits paid, other cash compensation, and the monetary value of any other benefits. base: full-time risk manager respondents in each segment (fill-in answers) n 25 th 50 th (median) 75 th Industry healthcare, drug/pharmaceutical 78 $88,000 $110,500 $136,300 government, public works 43 $73,000 $99,100 $121,300 manufacturing 34 $110,800 $147,000 $185,000 insurance 36 $60,000 $94,800 $134,700 education 28 $73,700 $104,500 $131,200 transportation 17 $78,100 $95,000 $152,500 financial services 13 $92,500 $100,000 $176,600 utility 14 $99,800 $116,800 $143,800 oil/petrochemical, chemical 13 $82,600 $120,000 $167,500 real estate 15 $113,200 $150,000 $175,000 construction 10 $68,300 $117,500 $195,000 food industry, restaurant 7 $88,000 $101,900 $142,000 retail, consumer products 21 $98,000 $120,000 $165,500 technology, IT 7 $144,000 $166,000 $198,500 entertainment 1 * * * hotel/hospitality 10 $82,500 $117,500 $164,800 metals/mining, natural resources 7 $97,900 $135,000 $156,000 Organization's Sales Volume $12 billion+ 55 $115,000 $144,200 $185,000 $4.0 - $11.9 billion 52 $110,800 $150,000 $190,000 $1.0 - $3.9 billion 87 $97,900 $130,500 $166,000 $ $999.9 million 33 $90,000 $117,400 $146,000 $ $499.9 million 49 $81,000 $106,000 $121,500 $1.0 - $99.9 million 57 $66,300 $88,000 $120,000 <$1.0 million 28 $50,300 $85,000 $100,000 *results not shown if fewer than 5 valid values 16
19 FINDINGS: COMPENSATION The typical full-time risk manager who was employed in their current position for all of 2015 reported total compensation in the 12 months prior to January 1, 2016, of $126,000. Total Compensation [Full-Time Risk Managers] In the 12 months prior to January 1, 2016, what was your total compensation? Include base salary, overtime, draws, commissions, bonuses, incentive pay, profit sharing, retirement benefits paid, and other cash compensation. Exclude the monetary value of any other benefits. base: 422 full-time risk manager respondents (fill-in answers) $500,000 or more $300,000 - $499,999 $200,000 - $299,999 $175,000 - $199,999 $150,000 - $174,999 $125,000 - $149,999 $100,000 - $124,999 $75,000 - $99,999 $50,000 - $74,999 less than $50,000 was not employed in current position all 12 months prior to January 1, % 5% 1 7% 9% 1 16% 16% 9% median: $126,000 17
20 Following is an analysis of total compensation as of January 1, 2016, by a variety of variables. Results are based on full-time risk managers who were employed in their current position all 12 months prior to this date. Total Compensation by Segment [Full-Time Risk Managers in Position All of 2015] In the 12 months prior to January 1, 2016, what was your total compensation? Include base salary, overtime, draws, commissions, bonuses, incentive pay, profit sharing, retirement benefits paid, and other cash compensation. Exclude the monetary value of any other benefits. base: full-time risk manager respondents in each segment who were employed in their current position all 12 months prior to January 1, 2016 (fill-in answers) n 25 th 50 th (median) 75 th Title risk manager 131 $80,000 $101,000 $145,000 president/rm 11 $140,000 $200,000 $275,000 vice president/rm 55 $140,000 $200,000 $260,000 director/rm 119 $115,000 $140,000 $185,000 chief risk officer 8 $136,400 $145,500 $213,500 insurance/risk admin 10 $60,800 $72,100 $100,600 Years of Corporate Risk Mgmt Experience $111,000 $169,300 $227, $120,000 $152,500 $210, $95,000 $125,000 $167, $83,400 $103,000 $125, $77,500 $92,000 $124,000 <3 12 $50,000 $67,500 $92,900 none 16 $56,000 $76,100 $129,000 Education Ph.D, LLB/JD, MBA/MA/MS 147 $105,000 $145,000 $194,000 BA/BBA/BS 334 $97,000 $130,000 $185,500 none of these 48 $73,000 $92,500 $140,000 Job Satisfaction (5-point scale) satisfied (rating of 4 or 5) 311 $95,000 $129,000 $184,000 neutral (rating of 3) 57 $83,200 $109,000 $150,000 not satisfied (rating of 1 or 2) 12 $86,200 $143,000 $176,300 Region Northeast 66 $119,000 $172,500 $225,000 Midwest 98 $83,500 $119,500 $168,100 South 141 $86,400 $119,000 $170,300 West 65 $97,600 $130,000 $151,300 18
21 continued Total Compensation by Segment [Full-Time Risk Managers in Position All of 2015] In the 12 months prior to January 1, 2016, what was your total compensation? Include base salary, overtime, draws, commissions, bonuses, incentive pay, profit sharing, retirement benefits paid, and other cash compensation. Exclude the monetary value of any other benefits. base: full-time risk manager respondents in each segment who were employed in their current position all 12 months prior to January 1, 2016 (fill-in answers) n 25 th 50 th (median) 75 th Industry healthcare, drug/pharmaceutical 74 $91,500 $119,300 $157,800 government, public works 43 $73,000 $104,400 $126,000 manufacturing 34 $122,800 $172,500 $246,300 insurance 33 $71,800 $113,000 $163,000 education 27 $74,300 $118,000 $136,300 transportation 16 $83,800 $128,000 $187,500 financial services 12 $102,300 $132,500 $217,500 utility 14 $105,300 $125,000 $157,500 oil/petrochemical, chemical 12 $97,900 $167,800 $278,000 real estate 15 $130,000 $191,000 $255,100 construction 10 $73,900 $147,500 $356,300 food industry, restaurant 7 $99,000 $129,300 $162,000 retail, consumer products 20 $111,300 $142,500 $187,500 technology, IT 7 $159,000 $180,000 $275,000 entertainment 1 * * * hotel/hospitality 10 $82,800 $155,000 $219,000 metals/mining, natural resources 6 $101,500 $160,000 $195,000 Organization's Sales Volume $12 billion+ 52 $130,000 $187,500 $257,500 $4.0 - $11.9 billion 51 $122,000 $180,000 $218,000 $1.0 - $3.9 billion 85 $103,800 $140,000 $181,100 $ $999.9 million 32 $93,300 $133,400 $156,000 $ $499.9 million 47 $83,000 $116,000 $146,000 $1.0 - $99.9 million 55 $72,000 $94,000 $138,000 <$1.0 million 24 $70,400 $85,000 $100,000 *results not shown if fewer than 5 valid values 19
22 FINDINGS: BENEFITS Whether they make use of them or not, risk managers have a variety of benefits available to them, offered by their employers. Among the 91% whose employers offer life insurance, the typical amount of company-paid life insurance received is $104,000. Benefits Offered What benefits does your employer offer (whether you make use of them or not)? (multiple answers) medical insurance 95% tuition reimbursement 5 dental insurance 91% health/wellness membership/benefits 5 life insurance 91% flexible working hours 4 vision insurance 8 pension 35% other retirement benefits (401(k), etc.) 80% long-term care insurance 35% long-term disability insurance 77% employer stock** 25% flexible spending account 77% gas allowance 16% short-term disability insurance 75% supplemental vacation 1 professional development* 68% company car 1 professional dues paid or reimbursed 6 daycare allowance or onsite daycare 10% company laptop or home computer 58% other company cell phone 58% AT LEAST ONE 98% *e.g., conference allowance/reimbursement **awards, options, employee purchase, or other types Amount of Company-Paid Life Insurance Received How much company-paid life insurance do you receive? Do not include life insurance you pay for. base: 456 risk manager respondents whose employers offer life insurance (fill-in answers) $500,000 or more $300,000 - $499,999 $200,000 - $299,999 $150,000 - $199,999 6% 9% 11% 10% median: $104,000 $100,000 - $149,999 $50,000 - $99,999 17% 20% less than $50,000 1 none 5% 20
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