Stanley, Holcombe & Associates provides a wide range of actuarial services for the private sector:

Plan Design

After a thorough review of client objectives, we have the experience and expertise to implement the best possible combinations to maximize participant appreciation and the return on stockholder benefit dollars.

FAS/87 - An Accounting Folly
- Pension Forum Dec. 1986

"Given the complexity and ambiguity of the [ FAS/87 ] specifications together with the leverage of the actuarial assumptions, it is predictable tha the 'level of consistency' will go down rather than up."

Annual Actuarial Valuations

The valuation process is incomplete until a full analysis of all parameters has been studied, results compared to prior years and other standards, and detailed, understandable explanations offered for deviations of actual experiences from expected.

Forecasting

We have the expertise and tools to project funding and expense levels, together with other key financial data, under different funding methods. This approach may be extremely useful in choosing the most appropriate funding method to fit the financial objectives of the client.

Internal Assistance

We recognize there are some instances in which our client is best served by assistance with designing internal systems. Through our sister organization, ACTECH, we make available the latest computer tools designed for internal client operations, including individual benefit calculations and, participant statements.

General Qualified Plan Administration

As full service consultants, we recognize that the tasks associated with qualified plan administration do not end with the actuarial valuation report. Thus, we offer a complete range of reporting and plan compliance services, including:

• Preparation of Government Forms and Related Participant Disclosure Material
• Compliance Assistance
• Consulting with regard to Plan Distributions
• Plan Terminations

Employee Communications

We offer assistance in drafting employee communication materials, as well as preparation of comprehensive individual participant statements depicting any or all aspects of employee benefits:

• Preparation of customized individual employee statements showing details of all pertinent employee benefits, including the employees' and client's cost for those benefits
• Preparation of announcement brochures to introduce new or changed benefit programs
• Preparation of employee booklets
• Preparation of introductory materials for new or expanded programs

In addition, we offer software packages for Social Security benefit calculations for those clients who wish to process their own employee statements.

Special Plans

We offer expertise in designing and drafting nonqualified retirement programs for key employees.

Plan Documentation

We offer expertise in designing and drafting, subject to review by our clients' counsel, qualified retirement plans of all types, both design-based safe harbor plans and those requiring specialized testing and nondiscrimination exhibits and demonstrations.

SH&A represents a fresh, unencumbered application of professional expertise and enthusiasm to a constantly changing environment.