ADS provides full actuarial and defined benefit plan administration services that utilize the most recent technical information and systems technologies available. We strive to provide efficient, accurate and timely services to the plan sponsor and participants.

Further, our goal is to provide meaningful information to all parties involved in the maintenance of retirement plans. Our services seek to provide information that is beneficial to plan participants in their financial planning. We also strive to make information understandable to plan sponsors to facilitate their management of the programs. Our services include:

General

• Plan installation and design
• Cost analysis of plan design alternatives
• Expense and funding forecast projections and analysis
• Compliance review and advisement
• Merger and acquisition analysis

Actuarial Valuation and Certification

• Reconciliation of census information and maintenance of employee data
• Annual reconciliation of Trust assets, asset portfolio and investment performance analysis
• Determination of annual funding requirements in accordance with ERISA
• Determination of maximum deductible contributions
• Determination of fiscal year end disclosure information in accordance with Financial Accounting Standards Board No. 87, 88 and 132
• Determination of Pension Benefit Guaranty Corporation annual premiums

Plan Documents

• Plan amendments
• Prototype and volume submitter plan documents
• Preparation of IRS determination letter applications

Participant Services

• Preparation of annual benefit statements of individual accumulated and projected retirement benefits
• Determination of benefits and optional forms of benefit payment
• Preparation of benefit distribution forms and tax notices

Reporting and Compliance

• Preparation of IRS Form 5500 and attachments
• Certification of Actuarial Information on Schedule B
• Preparation of Summary Annual Reports
• Annual plan nondiscrimination, top heavy, and contribution testing