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06-17-2002Agenda/Pension 6-17-02 . I ACTION AGENDA Board of Trustees of the Employees' Pension Fund June 17, 2002 - 9:00 a.m. 1. Call to Order - 9:11 a.m. 2. Approval of Minutes: 05/13/02 - Approved 3. Request for acceptance into membership: Delaney Mulholland & Joanne Bunton - Approved 4. Regular Pension(s) to be granted: Frank Hill, III, Jorge Carrasquillo & Michael Gust - Approved 5. Accept the Actuary's Report for the Employees' Pension Plan for the plan year beginning 1/1 /02 -Approved 6. Adopt Resolution 02-01 of the Pension Trustees authorizing registration of Metro- Goldwyn-Mayer Inc. stock in electronic form, correcting scrivener's errors that were present in Resolution 02-10. - Approved 7. Verdell Powell, widow of James Powell, Public Services Department, be granted a death benefit under Section 2.397 of the Employees' Pension Plan as approved by the Pension Advisory Committee - Approved 8. Other Business: - None 9. Adjourn - 9:29 a.m. Meeting Date: (o-t7-6a- Approved by Trustees: CITY OF CLEARWATER EMPLOYEES' PENSION PLAN/ PENSION ADVISORY COMMITTEE TO: Pension Trustees FROM: Pension Advisory Committee SUBJECT: Recommendation for Acceptance into Pension Plan DATE: May 9, 2002 As Trustees of the City of Clearwater Employees' Pension Fund, you are hereby notified that the employee(s) listed below have been duly examined by a local physician and each has been designated as a "first class risk". The employment of these individuals brings the number of IFTE's as of this date to 1717.75 of 1834.7 budgeted positions (including the City Commission). These employees are eligible for pension membership as noted in the Pension Eligibility Date column below, and it is the recommendation of the Pension Advisory Committee that they be accepted into membership. Pension Elig. Name. Job. Class. & Deat./Div. Hire Date Data Delaney Mulholland, Gas Technician (/Gas 4/29/02 4/29/02 Joanne Bunton, Library Assistant/Library 4/23/01 4/29/02 originally hired as permanent-part-time; promoted to full-time and pension eligible as of 4/29/02 Arc& " 4 4 PL Pensio viso mitt alr UL& Trustees of the o Final Agenda Item # rEEmployees' Pension Plan 6/17/02 Agenda Cover Meeting Date: Memorandum SUBJECT/RECOMMENDATION: Frank Hill III, Fire Department; Jorge Carrasquillo, Police Department; and Michael Gust, Public Works Department, be granted regular pensions under Section(s) 2.393 and 2.397 of the Employees' Pension Plan as approved by the Pension Advisory Committee. ? and that the appropriate officials be authorized to execute some. SUMMARY: Frank Hill III, Fire District Chief, Fire Department, was employed by the City on October 10, 1977, and his pension service credit is effective on that date. His pension will be effective May 1, 2002. Based on an average salary of approximately $55,536 per year over the past five years, the formula for computing regular pensions, and Mr. Hill's selection of the 100% Joint & Survivor Annuity, this pension will approximate $36,847 annually. Jorge Carrasquillo, Police Officer, Police Department, was employed by the Cliy on June 23, 1982, and his pension service credit is effective on that date. His pension will be effective July 1, 2002. Based on an average salary of approximately $55,769 per year over the past five years, the formula for computing regular pensions, and Mr. Carrasquillo's selection of the 100% Joint & Survivor Annuity, this pension will approximate $30,134 annually., Michael Gust, Traffic Operations Engineer, Public Works Department, was employed by the City on April 21, 1980, and his pension service credit is effective on May 12, 1977, His pension will be effective July 1, 2002. Based on an average salary of approximately $50,965 per year over the past five years, the formula for computing regular pensions, and Mr. Gust's selection of the Joint & Survivor Annuity, this pension will approximate $31,098 annually. Reviewed by: Originating Dept: Costs Legal NA Info Tech NA Debbie Ford/Human Total Resources Budget NA Public Works NA User Dept. Funding Source: Purchosin NA DCM/ACM CMI'd Current Fiscal Year g Improvement Risk NA Other NA Attachments ope{atng Mg mt other Appropriation Code: Submitted by: p None City Manager Printed on recvcied oaDer Rev. 2198 Regular Pensions Page 2 June 17, 2002 These pensions were approved by the Pension Advisory Committee on May 9, 2002. Section 2.393 (p) provides for normal retirement eligibility when a participant has completed twenty years of credited service in a type of employment described as "hazardous duty" and further specifically defines service as a Fire District Chief and Police Officer as meeting the hazardous duty criteria. Mr. Hill and Mr. Carrasquillo qualify under the hazardous duty criteria. Section 2.393 (p) also provides for normal retirement eligibility when a participant has reached age 55 and completed twenty years of credited service, has completed thirty years of credited service, or has reached age 65 and completed ten years of credited service. Mr. Gust qualifies under the age 55 and twenty years of service criteria. Employee's Pension Plan 5 We •:_ession Item d Trustee's 99K'1iEP?Agenda Covet' Fina:.?yenda Item Memorandum Meeting Dare: 6/17102 SUBJECT/RECOMMENDATION: Accept the Actuary's Report for the Employees' Pension Plan for the plan year beginning 1/ 1 /02, 0 and that the appropriate officials be authorized to execute some. SUMMARY: • The 1 / 1 /02 actuarial report for the Employees' Pension Plan indicates that a 3% City contribution is required ($1,766,058), This is an increase from the 2001 valuation, which required no City contribution. However, the City Ordinance governing the pension plan requires that the city contribute at least 7% of the compensation of all employees participating in the plan (estimated at $4,125,071). • The minimum City contribution was affected by the following factors: • Changes in actuarial assumptions (this reduced the actuarial required contribution from 4.5% to 3%); • Actuarial investment return of 7.4% in comparison to an assumed rate of 7% for plan year 2001 (2000 actuarial investment return was 12.42%); • Actual salary increases of 5.9% in comparison to an assumed rate of 5% for plan year 2001 (2000 actual salary increases were 5.8%); • Amortization of the plans initial unfunded liability was reduced due to the final partial year payment towards this liability: and • Actual expenses for the plan year were $239,578 more than expected. • The difference between the ordinance required contribution of $4,125,071 and the actuarial determined contribution of $1,766,058 will increase the existing credit balance, which is currently $21,360,525. This credit balance can be used to pay additional actuarial required City contribution above the ordinance required 7%. Reviewed by: Originating Dept: 1_,M Costs Legal N/A Info Srvc N/A Finance M. Simmons Total 0 Budget Public Works N/A User Dept. Funding Source: Purchasing /A DCM/ACM N/A Human Resources Current 0 cl FY Risk Mgmt N/A Other Attachments OP (i.,) 1/ 1 /02 Actuary Report Other Submitted by: ? None City Manager A ro nation Code: Rev. 2/98 • The Plan uses a phase-in approach of prior asset gains (losses) through.a rolling five-year average used to "smooth" investment performance. The market value basis performance for the last five years (1997, 1998, 1999, 2000, and 2001, respectively) has been 17.49%, 16.74%, 18.61%, (3.43)%, and (5.16)%. As a result of the last 2 years poor investment market performance, the actuarial value of the assets of the plan exceeds the market value by almost $50 million. This deficit will be included in the actuarial value and will gradually increase the funding requirements. This is expected to result in the City required contributions exceeding the current 7% required in the next 4 to 6 years, even after taking advantage of the credit balance. • The funded status of the plan (ratio of assets at market value to the actuarial present value of accumulated plan benefits) decreased from 162% at 1 / 1 /00 to 148% at 1 /1 /01 to 137% at 1 /1 /02, primarily due to the poor plan investment performance for calendar years 2000 and 2001. The plan experienced a negative 3.43% investment return in 2000 and a negative 5.16% in 2001 due to the downturn in the stock market. • A copy of the draft Actuary's Report is available for review in the City Clerk Department. 2 ACTUARY'S REPORT FOR THE CITY OF CLEARWATER EMPLOYEES' PENSION PLAN As of January 1, 2002 To determine annual contribution For the Plan Year: 01/01/02 -12/31/02 To be paid in the Fiscal year: 10/01/02 - 09/30/03 DRAFT May 7, 2002 City of Clearwater P.O. Box 4748 Clearwater, FL 33758-4748 Ladies and Gentlemen: This report presents the results of the January 1, 2002 actuarial valuation of the City of Clearwater Employees' Pension Plan. It has been prepared primarily to present to management the contribution requirements for 2002 and also the current status of funding of accumulated plan benefits. Section IV of this report includes a presentation of the information required by the Government Accounting Standards Board (GASB) Statements No. 25 and 27. Our calculations were based on financial data and employee data furnished by the City of Clearwater. The valuation was based upon generally accepted actuarial methods, and we performed such tests as we considered necessary to assure the accuracy of the results. To our knowledge there are no benefits or expenses to be provided by the plan for which a liability or current cost was not established. We certify that the amounts presented in the accompanying report have been appropriately determined according to the actuarial assumptions stated herein. Statement by Enrolled Actuary This actuarial valuation and/or cost determination was prepared and completed by me or under my direct supervision, and I acknowledge responsibility for the results. To the best of my knowledge, the results are complete and accurate, and in my opinion, the techniques and assumptions used are reasonable and meet the requirements and intent of Part VII, Chapter 112, Florida Statutes. There is no benefit or expense to the provided by the plan or paid from the plan's assets for which liabilities or current costs have not been established or otherwise taken into account in the valuation. All known events or trends which may require a material increase in plan costs or required contribution rates have been taken into account in the valuation. Respectfully submitted, Stephen M. Metz Associate of the Society of Actuaries DRAF Enrolled Actuary Number 99-4342 Mark E. Knecht Associate of the Society of Actuaries Enrolled Actuary Number 99-5471 CONTENTS SECTION I SECTION II SECTION III SECTION IV SECTION V SECTION VI SECTION VII SUMMARY FUNDING ASSETS ACCOUNTING CENSUS DATA ASSUMPTIONS AND METHODS SUMMARY OF PLAN PROVISIONS Pages 1- 7 8-12 13 - 16 17- 18 19-23 24 - 26 27 - 28 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION I - SUMMARY A. Actuary's Comments This report presents the highlights of the January 1, 2002 actuarial valuation prepared to determine the contribution requirements for the 2002-2003 fiscal year. Since the last actuarial valuation of the plan on January 1, 2001, there have been no changes in the plan provisions or the actuarial cost method. The actuarial assumptions were changed in several respects. For a detailed description of the plan provisions, please see Section VII and for a detailed description of the actuarial assumptions and methods, please see Section VI of this report. The changes in the actuarial assumptions are summarized below: • The investment return was increased from 7.0% to 7.5%, • The salary scale was increased from 5.0% to 6.0%, • Employee turnover rates were revised for males and female employees and separate rates were adopted for hazardous duty employees, • The mortality table was changed from the 1983 Group Annuity Mortality Table to the 1994 Group Annuity Reserving Table, and • The retirement age assumption was changed from 100% retirement at first eligibility for unreduced benefits to a table of decrements at different ages. The minimum required City Contribution pursuant to Florida Statutes for the 2002 plan year is $1,766,058 (excluding the credit balance of $21,360,525) compared to $0 for 2001. Prior to the changes in actuarial assumptions the minimum for 2002 was $2,641,788. Although State law does not require any contributions for this fiscal year, the City ordinance establishing the Plan requires the City to contribute at least 7% of payroll. The minimum required contribution was affected by the following factors: • Changes in the actuarial assumptions, • An actuarial investment return of 7.40% in comparison to an assumed rate of 7.0% (for the 2001 plan year), • Actual salary increases of 5.9% in comparison to an assumed rate of 5.0•/. (for the 2001 plan year), • Amortization of the plan's initial unfunded liability was reduced due to the final partial year payment towards this liability, and • Actual expenses for the year were $239,578 more than expected. DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION I - SUMMARY (Continued) A. Actuary's Comments, (continued) The plan's credit balance is currently equal to $21,360,525, providing a cushion against future contributions. On the negative side, however, the actuarial value of assets of the plan exceeds the market value by almost $50 million. Over the next four years this deficit will be included in the actuarial value and will gradually increase the funding requirements. The funded status of the plan decreased compared to the prior year, primarily due to less than expected returns on the market value of assets. The ratio of assets at market value to the actuarial present value of accumulated plan benefits. decreased from 148% at January 1; 2001 to 137% at January 1, 2002. B. Contribution Requirements for the Plan Year Ending December 31, 2002 Minimum Required Employer Contribution Florida Statutes 7% of Payroll $ 1,766,058 $ 4,125,071 The employer contribution is assumed to be made uniformly during the first two quarters of the fiscal year beginning on October 1, 2002. Differences in the investment return due to contributions actually being made at any other time will be recognized as an actuarial gain or loss in the following valuation. The minimum required contribution represents a funding level which will satisfy the minimum funding requirements under Part VII, Chapter 112, Florida Statutes. Please refer to Section VI and VII of the report for a summary of the actuarial assumptions and plan provisions, respectively. DRAFT 2. CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION I - SUMMARY (continued) C. Comparative Summary of Principal Valuation Results Actuarial Valuation Prepared as of. Jan. 1, 2002 Jan. 1, 2002 Jan. 1, 2001 After Before Assumption Assumption Changes Changes (a) Participant Data Number Included Active Members Retirees and Beneficiaries Terminated Vested Participants Annual Payroll of Actives Annualized Benefits Retirees and Beneficiaries Terminated Vested Participants 1,592 566 47 $58,929,582 S 11,813,227 S 882,207 1,592 566 47 $58,918,790 S 11,813,227 S 882,207 1,538 533 40 S 54,864,584 (b) Actuarial Reserves Market Value Actuarial Value $442,042,923 $442,042,923 $491,859,015 $491,859,015 S 10,504,915 S 881,304 $470,346,592 $461,724,610 (c) Liabilities Present Value of Expected Benefits: Active Participants: Retirement Benefits. 5306,539,097 5331,150,655 $303,155,800 Termination Benefits $26,668,857 $16,757,605 S 16,862,795 Disability Benefits $15,394,022 $14,407,970 5 14,257,361 Death Benefits $3,543,058 $4,103,602 S 4,215,584 Refund of Employee Contributions 52,064,718 51,983,947 S 2,042,267 Total Active Terminated Vested Participants $354,209,752 5368,403,779 $340,533,807 $9,264,408 $8,644,737 S .8,189,098 Retirees and Beneficiaries Total Present Value of Expected Benefits Liabilities Due and Unpaid $150,289,355 $155,468,752 $135,310,662 SS 12,763,515 5532,517,268 $484,033,567 $ 456,150 S 456,150 5 414,047 3 "RXF-T CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION I - SUMMARY (continued) C. Comparative Summary of Principal Valuation Results, (continued) Actuarial Valuation Prepared as of: Jan. 1, 2002 Jan.], 2002 Jan. 1, 2001 After Before Assumption Assumption Changes Changes (c) Liabilities (continued) Unfunded Actuarial Accrued Liability Frozen Initial Liab. (FIL) Supplemental FIL Supplemental FIL Supplemental FIL Supplemental FIL Supplemental FIL Supplemental FIL Asset Valuation Method Change Plan Amendment Plan Amendment Assumption Changes Total - 1/ 1 n9 $ 258,509 $ 258,509 S 1,034,155 - 1/in9 1,041,436 1,041,436 1,177,254 - I / I /81 190,434 190,434 207,380 - 1/1/82 (2,418,887) (2,418,887) (2,601,213) - 1/1/87 1,115,015 1,115,015 1,156,483 - 1 / 1/88 1,274,163 1,274,163 1,316,864 - 1/1/89 1,713,426 1,713,426 1,765,351 - 1/1194 3,319,783 3,319,783 3,383,094 - I/l/96 - 1/1/00 -1/l/02 (d) Funding Account Credit Balance Prior Year Amount Prior Year. Required Employer Contributions Employer Contributions Made Interest on Credit Balance Total (e) Actuarial Present Value of Accrued Benefits Changes During Prior Year. Value from Prior Year Benefits Paid Interest, Aging and Benefits Accrued Change in Assumptions Change in Plan Provisions Net Change 13,923,090 51,762,005 (30,846,502) S 41,332,472 S 15,156,006 0 5,143,599 1,060,920 S21,30,525 S 322,794,259 S 317,663,113 S(11,816,392) 39,571,449 (22,623,911) 0 5,131,146 13,923,090 51,762,005 0 $ 72,178,974 $ 15,156,006 0 5,143,599 1,060,920 S 21,360,525 S 345,418,170 $317,663,113 S(11.816,392) 39,571,449 0 0 27,755,057 14,146,758 52,361,472 0 S 73,947,598 S 12,442,498 (1,722,874) 3,565,407 870,975 S 15,156,006 S 317,663,113 $303,443,955 S(10,651,850) 24,871,008 0' 0 14,219,158 Value at Current Year S 322,794,259 .$ 345,418,170 S 317,663,113 4 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION I -SUMMARY (continued) C. Comparative Summary of Principal Valuation Results, (continued) Actuarial Valuation Prepared as of. Jan. 1, 2002 Jan. 1, 2002 Jan. 1, 2001 After Before Assumption Assumption Changes Changes (f) Pension Cost for Year Normal Cost $100,180 S(1,272,646) S(4,526,328) Amortization of Unfunded Frozen Initial Liability 3,758,486 5,956,564 6,490,613 Administrative Expenses 2,270,968 2,270,968, 2,031,390 Shortfall for Expenses in Prior Year 239,578 239,578 357,820 Interest Adjustment 123,213 172,827 (3,337) Total Required Contribution 56,492,425 $7,367,291 $4,350,158 As a Percentage of Payroll 11.00/0 12.5% 7.90/. Anticipated Employee Contributions $4,714,367 $4,713,503 $4,389,167 As a Percentage of Payroll 8.00/0 8.00/0 8.00/0 Anticipated State Contributions 5 12,000 $ 12,000 S 12,000 As a Percentage of Payroll 0.0% 0.00/0 City Required Contribution 51,766,058 $2,641,788 $ 0 As a Percentage of Payroll 3.0% 4.5% 0.00/0 (g) Prior Year Actual Contributions made by State 5 12,279 S 12,279 S 23,649 Employees 4,905,521 4,905,521 4,749,550 City 5,143,599 5,143,599 3,565,407 Total 510,061,399 $10,061,399 $8,338,606 (h) Gains and Losses N/A N/A N/A (i) Other Present Values Present Value of Future Salaries At attained age $552,303,111 $470,763,126 5442,071,900 Present Value of Future Employee Contributions At attained age 544,184,249 $37,661,050 $35,365,763 5 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION I -SUMMARY (continued) C. Comparative Summary of Principal Valuation Results, (continued) Actuarial Valuation Prepared as of: Jan. 1, 2002 Jan. 1, 2002 Jan. 1, 2001 After Before Assumption Assumption Changes Changes (i) Other Present Values (cont.) Present Value of Future Normal Costs S(4,567,447) $(15,660,196) S(36,482,635) 6) Comparison of Actual and Assumed Salary Increases Investment Return Year Ended Actual Assumed Actual Assumed Market Value Actuarial Value 12/31/86 7.4% 5.0% 13.21% N/A 7.0% 12/31/87 5.9% 5.0% 10.78% N/A 7.0% 12/31/88 9.1% 5.0010 9.12% N/A 7.0% 12/31/89 8.7% 5.00/a 20.84% N/A 7.0% 12/31/90 53% 5.00/0 6.21% N/A 7.0% 12/31/91 6.1% 5.00A 28.52% N/A 7.0% 12/31/92 6.85/o 5.0010 6.49% N/A 7.0% 12/31 /93 Lrlo 5.0% 9.290/9 7.42% 7.06X9 12/31/94 4.4`/9 5.00/9 0.89% 6.28% 7.06/9 12/31/95 6.40% 5.00/0 23.36% 9.14% 7.0% 12/31/96 6.7% 5.0% 14.80% 11.54% 7.0% 12/31/97 5.6% 5.0% 17.490/9 13.74% 7.0% 12/31/98 7.4% 5.0% 16.74% 15.28% 7.0% 12/31/99 4.r/o 5.09A 18.61% 17.96% 7.0% 12/31/00 5.8'/0 5.00/6 (3.43%) 12.42% 7.0% 12/31/01 5.91/o 5.0% (5.16%) 7.40% 7.0% 12/31/02 6.0% 7.5% 6 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION II - FUNDING A. Development of the Unfunded Frozen Actuarial Accrued Liability 1. Unfunded Frozen Actuarial Accrued Liability as of January 1, 2001 S 73,947,598 Interest to December 31, 2001 S 5,176,332 2. Employer Normal Cost* for Year with interest to December 31, 2001 3. Required Employer Contributions for Period 4. UFAAL Before Assumption Changes 5. Increase/(Decrease) Due to Assumption Changes 6. Unfunded Frozen Actuarial Accrued Liability as of December 31, 2001 * Includes Expenses and Adjustments S 79,123,930 S (6,995,965) $ (51,009) S 72,178,974 $(30,846,502) S 41,332,472 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION II - FUNDING (continued) B. Development of Normal Cost The Normal Cost is the portion of the cost of projected benefits which is allocated to the current year by the actuarial cost method. The Normal Cost for the plan years beginning January 1, 2002 and January 1, 2001 are determined as follows: Total Projected Actuarial Liability: Jan. 1, 2002 Jan. 1, 2002 Jan. 1, 2001 After Before Assumption Assumption The present value as of the beginning of the plan year of all benefits expected to be paid in the future to current participants. • Active participants $354,209,752 $368,403,779 $340,533,807 • Terminated vested participants 8,264,408 8,644,737 8,189,098 • Retired and disable participants 150,289,355 155,468,752 135,310,662 • Total Participants $512,763,515 532,517,268 $484,033,567 Credit Balance: Employer contributions from prior years reserved for future use. S 21,360,525 S 21,360,525 S 15,156,006 Fund: The actuarial value of fund assets as of the beginning of the plan year. $491,859,015 $491,859,015 $461,724,610 Excess of Total Projected Actuarial Liability Over the Fund Minus the Credit Balance: The portion of the projected total actuarial liability to be funded in the future. 542,265,025 $62,018,778 S37,464,%3 This portion is divided into two components: a. Unfunded Frozen Actuarial Accrued Liability b. Present value of future service liability (funded over the expected future service years of current participants) Present Value of Future Covered Payroll I $41,332,472 $ 72,178,974 $ 73,947,598 $932,553 $(10,160,196) $(36,482,635) $552,303,111 $470,763,126 $442,071,900 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION II - FUNDING (continued) B. Development of Normal Cost, (continued) Jan. 1, 2002 Jan. 1, 2002 Jan. 1, 2001 After Before Assumption Assumption Changes Changes Normal Cost Rate: The ratio of the present value of future service liability to the Present Value of Future Covered Payroll. 0.17% (2.16%) (8.25%) Annual Covered Payroll: The reported payroll for plan participants who have not attained the assumed retirement age. $58,929,582 $58,918,790 $ 54,864,584 Normal Cosh The annual cost as of the beginning of the plan year to fund the future service liability over the expected future years of service of the current participants. $100,180 S(1,272,646) $(4,526,328) DRAFT 9 CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION II -FUNDING (continued) C. Schedule of Amortization Payments Initial Jan. 1, 2002 Annual Date Initial Amortization Unamortized Amorization Established Reason Amount Period (Years) Amount Payment 1/1/79' Frozen Initial Liability (FIL) S 9,726,419 24.5 $ 258,509 S 258,509 1/1/79 Supplemental FIL 2,707,962 30.0 1,041,436 182,906 1/1/81 Supplemental FIL 390,421 30.0 190,434 27,771 1 /l /82 Supplemental FIL (4,521,985) 30.0 (2,418,887) (327,812) 1/1/87 Supplemental FIL 1,519,142 30.0 1,115,015 117,504 1/1/88 Supplemental FIL 1,673,738 30.0 1,274,163 129,658 1/1/89 Supplemental FIL 2,177,772 30.0 1,713,426 168,952 1/1/94 Asset Valuation Method Change 3,724,296 30.0 3,319,783 290,865 I/l/96 Plan Amendment 15,063,842 30.0 13,923,090 1,179,254 1/l/00 Plan Amendment 52,921,724 30.0 51,762,005 4,160,471 1/1/02 Assumption (30,846,502) 30.0 (30,846,502) (2,429,592 Changes Total Charges $74,597,861 $ 6,515,890 Total Credits (33,265,389) (2,757,404) Total 541332,472 S 3,758.486 • Established July 1, 1963 and being amortized over a forty year period beginning on that date. 10 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION II -FUNDING (continued) D. Anticipated Amortization Schedule Shown below is the anticipated amortization schedule for the Unfunded Frozen Actuarial Accrued Liability taking into account the plan's funding policy. Anticipated Amortization Schedule Unfunded Frozen Date Actuarial Accrued Liability 2002 $41,332,472 2003 540,392,035 2004 539,381,065 2005 $38,294,273 2031 S 0 On July 1, 1963, the Unfunded Frozen Actuarial Accrued Liability was established equal to the difference between the retirement plan's accrued liability, determined under the Entry Age Normal Funding Method and the actuarial value of plan assets. According to the plan's funding policy, the.initial liability is to be amortized by a series of level payments over a forty-year period. Subsequent changes in the level of the Frozen Actuarial Accrued Liability due to plan amendments or changes in actuarial assumptions are to be amortized on a straight-line basis over a period of thirty years. By contributing more than the stated funding policy, the amortization of the Unfunded Frozen Actuarial Accrued Liability can be accelerated. t t DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION III - ASSETS Comparative Balance Sheet As of December 31, 2001 Market Value Market Value ASSETS 12/31/01 12/31/00 Cash S 2,844,922 S 3,724,496 Money Market Accounts 23,109,838 17,377,392 International Equity Securities 369401,038 0 Domestic Corporate Equity Securities 218,945,242 288,233,539 Domestic Bonds 158,759,426 159,418,866 Total Investments S 440,060,466 S 468,744,293 Receivables: Interest - pooled cash 34,449 (2,041) Employer Contributions 2,404,158 1,604,340 Total Assets S 442,499,073 S 470,346,592 LIABILITIES AND ACTUARIAL RESERVES Liabilities: Accounts Payable S 456,150 S 414,047 Total Liabilities S 456,150 $ 414,047 Actuarial Reserves: Accumulated Member Contributions 38,390,720 36,779,275 Balance of Actuarial Reserves 403,652,203 433,153,270 Total Actuarial Reserves S 442,042,923 $469,932,545 TOTAL LIABILITIES AND ACTUARIAL RESERVES S 442,499,073 S 470,346,592 DRAFT 12 i1 CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION III -ASSETS (continued) Schedule of Changes in Actuarial Reserves For the Plan Year Ended December 31, 2001 Market Value Revenues: Employee Contributions $4,905,521 Employer Contributions 5,143,599 State Contributions 12,279 $10,061,399 Earnings on Investments: Interest $11,632,977 Dividends 1,243,106 Realized Net Gains on Securities Transactions (22,742,692) S(9,866,609) Unrealized Appreciation (Depreciation) on Investments S(14,411,099) Expenses: Benefits Paid $11,244,186 Refunds of Contributions 572,206 Professional Fees 2,270,968 Other Expenses 0 $14,087,360 Net Change in Actuarial Reserves $(28,303,669) Actuarial Reserves at Beginning of Plan Year $470,346,592 Actuarial Reserves at End of Plan Year . 5442,042,923 DRAFT 13 CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION III -ASSETS (continued) Development of Actuarial Value of Assets 1. Actuarial Reserves at Beginning of Plan Year $470,346,592 2. Time Weighted Employee Contributions 2,452,761 (.5 x $4,905,521) 3. Time Weighted Employer Contributions 321,475 (.5 x .125 x $5,143,599) 4. Time Weighted State Contributions 6,140 (.5 x $12,279) 5. Time Weighted Benefit Payments 5,415,846 (11/24) x ($11,816,392) 6. Time Weighted Expenses 1,135,494 (.5 x $2,270,968) 7. Time Weighted Value of Actuarial Reserves $466,575,638 (Items 1 +2+3+4-5 -6) 8. Expected Asset Return 532,660,295 (Item 7 x 0.07) 9. Actual Asset Return (24,277,708) 10. Difference of Expected Return over Actual Return $56,938,003 11. Actuarial Reserves at End of Plan Year 442,042,923 12. Expected Actuarial Reserves at End of Plan Year $498,980,926 (items 10 + 11) 13.. Difference Between Actual and Expected Asset Return $ (56,938,003) (items 11-12) DRAFT 14 CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION III -ASSETS (continued) Development of Actuarial Value of Assets (continued) Date Established Initial Amount Annual Amount Recognized Amount Excluded Prior Valuation Amount Excluded Current Valuation 01/01/98 S 32,148,671 S 6,429,734 S(6,429,735) S 0 01 /01 /99 $ 34,935,904 $ 6,987,181 S(13,974,361) S(6,987,180) 01/01/00 S 48,325,707 S 9,665,141 S(28,995,425) $ (19,330,284) 01/01/01 S(50,971,924) $(10,194,385) S 40,777,539 S 30,583,154 01/01/02 S(56,938,003) S(11,387,601) $ 0 S 45,550,402 Total S 49,816,092 Actuarial Reserves $442,042,923 Actuarial Value of Assets $491,859,015 DRAFT is CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION IV - ACCOUNTING A. Plan Description and Contribution Information Membership of the plan consisted of the following at January 1, 2001, the date of the latest actuarial valuation: Retirees and beneficiaries receiving benefits 533 Terminated plan members entitled to but not yet receiving benefits 40 Active plan members 1,538 Total Number of participating employers 1 1 DRAFT 16 t CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION IV -ACCOUNTING (continued) B. Required Supplementary Information Scheduling of Funding Progress Actuarial Actuarial UAAL as a Actuarial Value of Accrued Liability Unfunded Percentage Valuation Assets (AAL) AAL Funded Covered of Covered Date (a) Frozen Entry Age (UAAL) Ratio Payroll Payroll (b) (b-a) (a/b) (c) ((b-a)/ c) 01/01/91 $141,865,764 $152,118,075 $10,252,311 93% $34,532,753 30% 01/01/92 $184,746,269 $194,550,126 $9,803,857 95% $36,626,332 27% 01/01/93 $198,315,690 $207,639,701 $9,324,011 96% $38,731,039 24% 01/01/94 $213,014,474 $225,549,346 $12,534,872 94% $38,710,974 32% 01/01/95 $225,482,726 $237,428,796 $11,946,070 95% $41,371,332 29% 01/01/96 $244,744,488 $271,124,381 $26,379,893 90% $44,208,964 60% 01/01/97 $272,346,200 $297,892,502 $25,546,302 91%i $44,955,348 57% 01/01/98 $308,596,133 $333,250,492 $24,654,359 93% $47,281,198 52% 01/01/99 $354,088,751 $377,788,731 $23,699,980 94% $49,666,523 48% 01/01/00 $414,826,422 $490,426,940 $75,600,518 85% $50,937,403 148% 01/01/01 $461,724,610 $535,672,208 $73,947,598 86% $54,864,584 135% 01/01/02 $491,859,015 $533,191,487 $41,332,472 92% $58,929,582 70% The information presented in the required supplementary schedules was determined as part of the actuarial valuations at the dates indicated. Additional information as of the latest actuarial valuation fo llows: Valuation date 01/01/01 Actuarial cost method Frozen En try Age Amortization method Level Dollar Closed Remaining amortization periods Various Asset valuation method Five Year Average • Actuarial assumptions: Investment rate of return 7.00/6 Projected salary increases 5.00/0 Include merit increases 2.00/a Cost-of-living adjustments 3.0% • Effective January 1, 1994, the asset valuation method was changed from market value to a five year average method. I 17 DRAFT I CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION V - CENSUS DATA A. Reconciliation of Em ployee Data A summary of changes in the employee data from January 1, 2001 through January 1, 2002 follows. Employees who do not partici pate in the plan are not included. Retired Terminated Participants Active Vested And Employees Employees Beneficiaries Total Participants included in the January 1, 2001 valuation 1,538 40 533 2,111 Nonvested terminations (7) (7) Data Revisions I I Vested terminations (12) 12 0 Deaths without eligible beneficiary (3) (3) Retirements (30) (6) 36 0 Cash settlements (59) (59) Rehires 1 I New participants 161 161 Participants included in the January 1, 2002 valuation 1,592 47 566 2,205 Active Participants: Fully vested 793 Partially vested 0 Non-vested 799 Total 1,592 a DRAFT. CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION V -CENSUS DATA (continued) B. Ape - Service Distribution of Active Participants as of January Years of Service 1, 2002 Attained 0-4 5-9 10 - 14 15 - 19 20 - 24 25+ Total Age No. No. No. No. No. No. No. Under 25 52 2 0 0 0 0 54 25 to 29 104 31 3 0 0 0 138 30 to 34 109 57 35 0 0 0 201 35 to 39 86 69 75 29 2 0 261 40 to 44 56 52 63 83 21 0 275 45 to 49 51 39 58 51 71 28 298 50 to 54 26 26 39 37 46 43 217 55 to 59 7 14 24 19 14 13 91 60 to 64 6 12 6 10 5 6 45 65+ 0 0 5 2 3 2 12 Total 497 302 308 231 162 92 1592 Active Participant Statistics Average Age 42.41 years Average Service 10.82 years 19 DR AFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION V -CENSUS DATA (continued) C. AQe - Service Distribution of Active Hazardous Dut y Particip ants as of Janua ry 1, 2002 Years of Service Attained 0-4 5-9 10 - 14 15- 19 20 - 24 25+ Total Age No. No. No. No. No. No. No. Under 25 8 1 0 0 0 0 9 25 to 29 49 12 0 0 0 0 61 30 to 34 50 28 21 0 0 0 99 35 to 39 11 30 35 12 0 0 88 40 to 44 3 4 16 33 6 0 62 45 to 49 1 2 8 12 32 7 62 50 to 54 0 1 3 5 13 14 36 55 to 59 0 0 1 3 2 7 13 60 to 64 0 0 0 0 0 2 2 65+ 0 0 0 0 0 0 0 Total 122 78 84 65 53 30 432 Active Participant Statistics Average Age 38.63 years Average Service 11.66 years 20 DRAFT t, CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION V - CENSUS DATA (continued) D. Age - Service Distribution of Active Non-Hazardous Duty Particip ants as of January 1 , 2002 Years of Service Attained 0-4 5-9 10 -14 15 - 19 20 - 24 25+ Total Age No. No. No. No. No. No. No. Under 25 44 1 0 0 0 0 45 25 to 29 55 19 3 0 0 0 77 30 to 34 59 29 14 0 0 0 102 35 to 39 75 39 40 17 2 0 173 40 to 44 53 48 47 50 15 0 213 45 to 49 50 37 50 39 39 21 236 50 to 54 26 25 36 32 33 29 181 55 to 59 7 14 23 16 12 6 78 60 to 64 6 12 6 10 5 4 43 65+ 0 0 5 2 3 2 12 Total 375 224 224 166 109 62 1160 Active Participant Statistics Average Age 43.81 years Average Service 10.51 years DRAFT 1. 21 CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION V- CENSUS DATA (continued) E. Inactive Participant Count and Benefits as of January 1, 2002 Number of Annual Participants Benefit Terminated Vested Participants Retired Participants and Beneficiaries 22 47 S 882,207 566 $11,813,227 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION VI - ASSUMPTIONS AND METHODS A. Actuarial Methods Investment Yield: The investment rate of earnings is assumed to be 7.5% per annum. Mortality: Mortality was based on the 1994 Group Annuity Reserving Table. Withdrawal: Pre-retirement withdrawals are assumed to occur in accordance with the following table: Rate of Withdrawal General General Hazardous Age Male Female Py? 25 15% 15% 5% 30 10% 15% 3% 35 5% 10% 3% 40 5% 10% 2% 45 5% 5% 2% 50 5% 5% 0% 55 0% 0% 0% Disability: Pre-retirement incidence of disability is assumed to occur in accordance with a standard scale of moderate disability rates (Class 1, 1952 Inter-Company). Rates for females are assumed to be double that for males. Sample rates for males are shown below: Age Incidence of Disability 20 .17% 25 .17% 30 .17% 35 .18% 40 .20% 45 .23% 50 .29% 55 .39% 60 .59°/. 65 1.04% 70 1.74% Service vs. Non-service: All pre-retirement deaths are assumed to be non-service related. All incidence of disability is assumed to be service related. Salary Scale: Future salaries are assumed to increase at the rate of 6% per year, 3% due to cost-of- living, and 3% due to merit increases. 23 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION VI - ASSUMPTIONS AND METHODS (continued) A. Actuarial Assumptions, (continued) Retirement Rates: Retirement is assumed to occur in accordance with the following table: General Hazardous Age Employces Dy <45 0% 20% 45 0% 20% 46 0% 20% 47 0% 20% 48 0% 20% 49 0% 20% 50 20% 50% 51 20% 50% 52 25% 75% 53 25% 75% 54 25% 75% 55 50% 100% 56 50% 100% 57 50% 100'/• 58 50% 100% 59 50% 100% 60+ 100% 100% Timing of Contribution: The employer contribution is assumed to be made uniformly during the first two quarters of the fiscal year beginning on the October 1 following the valuation date. Employees Covered: All participants as of the acdrarial valuation date. Spouses: Eighty-five percent (8510K) of the active participants are assumed to be married (or have dependents eligible for Survivor's Benefits). Female spouses are assumed to be five years younger than male spouses. State Contributions: Assumed to equal $12,000 per year. Expenses: Expenses are assumed to equal last year's actual expenses. Completeness of Assumption:All benefits and expenses to be provided by the Plan are recognized in the valuation. All known events are taken into account; no current trends arc assumed to discontinue in the future. i t 2, DRAFT { CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION VI - ASSUMPTIONS AND METHODS (continued) B. Asset Valuation Method The Actuarial Value of Assets is based on a five year moving average of assets valued at statement value. The statement value reflects an amortized value for bonds and market value for equity investments. From the statement value, actual and expected return on investments is derived. Any difference between the actual return on investments for a given year and the expected return is spread over five years. After five years the entire amount is fully recognized. However, the Actuarial Value of Assets will never exceed 120% nor fall below 80% of the market value of assets. The use of a derived value of plan assets rather than current market value will produce a more stable funding pattern for the plan by partially eliminating the effect of unusual market fluctuations. C. Actuarial Cost Method The actuarial cost method is the Frozen Entry ARe Actuarial Cost Method. Under this method the excess of the actuarial present value of projected benefits over the sum of the actuarial value of assets plus the Unfunded Frozen Actuarial Accrued Liability is funded on a level basis over the future compensation of active employees. The portion of.this excess allocated to the current year is called the Normal Cost. The Frozen Actuarial Accrued Liability is determined using the Entry Age Actuarial Cost Method. This Frozen Actuarial Accrued Liability is adjusted from time to time to reflect changes in the Plan or in the actuarial assumptions. The Unfunded Frozen Actuarial Accrued Liability is separately amortized over a fixed number of years. I 25 DRAFT I CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION VII - SUMMARY OF PLAN PROVISIONS This summary is intended as an outline of plan provisions and does not alter the intent or meaning of the provisions contained in the contract and / or plan document. Plan Year: January I to December 31. Eli ibili : Any permanent employee shall participate in the plan immediately. Current Employee Contributions: 8.0% of wages and salaries actually paid to a participant. Average Monthly Compensation: The total Compensation received during the highest five years of service of the last ten years divided by sixty. Accrued Benefit: A monthly benefit equal to 2.75% of Average Monthly Compensation multiplied by the number of years of service to date. Retirement Benefit: a. Elittibility (Normal Retirement Date): • Non-Hazardous Duty: Completion of at least 20 years of service and the attainment of age 55, completion of at least 10 years of service and the attainment of age 65 or the completion of 30 years of service. • Hazardous Duty: Completion of 20 years of service or completion of at least 10 years of service and the attainment of age 55. b. Normal Retirement Benefit: The participant's Accrued Benefit payable as of his actual retirement date on or after his Normal Retirement Date . No adjustment applies for deferred retirement beyond his Normal Retirement Date. C. Normal Form of Benefit: A monthly annuity for the life of the participant. After the participant's death, 100•/. of the Normal Retirement Benefit shall be paid as a Survivor Annuity to the spouse for five years. After five years, such Survivor Annuity is reduced to 5011. of the original amount. The Survivor Annuity ceases upon death or remarriage of the spouse. 120 monthly payments are guaranteed in any case for police and firefighters. d. Early Retirement Benefit: For police and firefighters, an early retirement benefit is payable to those participants who have completed 10 years of service and the attainment of age 50. The benefit is equal to the retirement benefit calculated as of date of early retirement, reduced by 3% per year for each year below age 55. 26 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION VII - SUMMARY OF PLAN PROVISIONS (continued) e. Cost of Living Increase: All participants commencing annuity benefit payments shall be entitled to a 1.5% increase in their benefit amount each year. Disability Benefit: a. Eligibility: Total and permanent disability. If the disability is non-service connected, there is an additional requirement of the completion of 10 years of service. b. Disability Benefit: The participant's Accrued Benefit, payable immediately. If the disability is service connected, the Disability Benefit must be at least 66.67% of Average Monthly compensation. c. Normal Form of Benefit: A monthly annuity for the life of the participant. After the participant's death, a Survivor Annuity is provided as described under the Normal Form of Benefit for retirement benefits. 120 monthly payments are guaranteed in any case for police and firefighters. d. Cost of Living Increase: All participants commencing annuity benefit payments shall be entitled to a 1.5% increase in their benefit amount each year. Death: a. Eligibility: Any actively employed participant. b. Death Benefit: The participant's Accrued Benefit, payable immediately. If death is service connected, the Death Benefit must be at least 66.67% of Average Monthly Compensation. c. Form of Benefit: A monthly Survivor Annuity as described under the Normal Form of Benefit. d. Cost of Living Increase: All participants commencing annuity benefit payments shall be entitled to a 1.5% increase in their benefit amount each year. Vested Termination: a. Eligibility: Completion of 10 years of service b. Termination Benefits: The participant's Accrued Benefit payable as of his Normal Retirement Date, provided Employee Contributions are not refunded. 27 DRAFT CITY OF CLEARWATER EMPLOYEES' PENSION PLAN SECTION VII - SUMMARY OF PLAN PROVISIONS (continued) C. Form of Payment: A monthly annuity for the life of the participant. After the participant's death, a Survivor Annuity is provided as described under the Normal Form of Benefit, beginning at the latter of the participant's Normal Retirement Date or date of death. d. Cost of Living Increase: All participants commencing annuity benefit payments shall be entitled to a 1.5% increase in their benefit amount each year. Non-Vested Termination: a. Eli ibili : Any actively-employed participant. b. Benefit: Refund of Employee Contributions with 5% interest. c. Form of Benefit: Lump sum 28 DRAFT SE,AIMa a 99??TE1?.``\o? Employee Pension Plan Trustee Agenda Cover Memorandum Worksession Item #: _6Q Final Agenda Item # Meeting Date: , v a- SUBJECT/RECOMMENDATION: Adopt Pension Trustees' Resolution 02-01, correcting scrivener's errors that were present in Resolution 02-10, which was passed and adopted on April 29, 2002. 9 and that the appropriate officials be authorized to execute same. SUMMARY: • On May 23, 20001 Denver Investment Advisors participated in a Stock Purchase Program for Metro- Goldwyn-Mayer, Inc. for 24,700 shares. The shares were delivered in physical form to our safekeeping custodian in the name of the City of Clearwater. These shares should have been delivered in a Depository Trust Corporation electronic format. • On April 29, 2002, the Pension Trustees adopted Resolution 02-10 to authorize the conversion of the shares to electronic form. There were scrivener's errors in the Resolution, including the resolution number and title. Reviewed by: Originating Dept: j?L Costs Legal Info Srvc N/A Legal Total N/A . Budget N/A Public Works N/A User Dept. Funding Source: Purchasing N/A DCM/ACM Finance Current FY N/A Cl Risk Mgmt N/A Other Attachments OP Pension Trustees Res 02-01 other Submitted by: Stock Power City Manager None Appropriation Code: Printed nn recvcled naner Rev. 2/9a RESOLUTION NO. 02-01 A RESOLUTION OF THE TRUSTEES OF THE EMPLOYEES' PENSION PLAN OF THE CITY OF CLEARWATER, FLORIDA, AUTHORIZING THE REGISTRATION OF METRO-GOLDWYN- MAYER, INC. STOCK IN ELECTRONIC FORM AND PROVIDING AN EFFECTIVE DATE. WHEREAS, the City of Clearwater, Florida, has determined it is in the best interest of the pension plan that all securities be registered in electronic format, NOW, THEREFORE, BE IT ADOPTED BY THE TRUSTEES OF THE EMPLOYEES' PENSION PLAN OF THE CITY OF CLEARWATER, FLORIDA, AS FOLLOWS: SECTION 1. The Trustees of the Employees' Pension Plan of the City of Clearwater hereby authorizes the Finance Director Margaret L. Simmons to undertake all action necessary to convert the Metro-Goldwyn-Mayer, Inc. stock from physical to electronic form. SECTION 2. This resolution shall take effect immediately upon adoption. PASSED AND ADOPTED this day of , 2002. Brian J. Aungst, Chairman Approved as to form: Attest: Pame a K. Akin, City Attorney Cynthia E. Goudeau, City Clerk Pension Trustees Resolution No. 02-01 SEAL+. ?. a 99h'?IT Trustees of the Employees' Pension Plan Agenda Cover Memorandum Final Agenda Item # 7 Meeting Date: 6/17/02 SUBJECT/RECOMMENDATION: Verdell Powell, widow of James Powell, Public Services Department, be granted a death benefit under Section 2.397 of the Employees' Pension Plan as approved by the Pension Advisory Committee. and that the appropriate officials be authorized to execute some, SUMMARY: James Powell, Public Services Technician II, Public Services Department, was employed by the City on September 2, 1980, and his pension service credit was effective on that date, Mr. Powell passed away on March 21, 2002. Verdell Powell, widow of James Powell, applied for death benefits on April 9, 2002. Mr. and Mrs. Powell were legally married on October 24,1972, thereby entitling her to death benefits under provisions of the Employees' Pension Plan, Mrs. Powell's request for death benefits was approved by the Pension Advisory Committee on May 9, 2001. The amount of Mrs. Powell's pension will be computed by the Finance Department at a later date. This pension will be effective April 1, 2002. Based on an average salary of approximately $34,082 per year over the past five years, this pension will approximate $18,360 annually. Reviewed by: Originating Dept: Costs Legal NA Info Tech NA Human Resources Total Budget NA Public Works NA User Dept. Funding Source: Purchasin NA DCM/ACM captd Current Fiscal Year g Improvement Risk NA Other NA Attachments ooerohn9 Mg Mt Appropriation Code: Submitted by: 0 None City Manager Printed on recvcled oaoer Rev. 2/98