City of El Segundo PARS Pension Rate Stabilization Program (PRSP) August 31, 2017
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1 City of El Segundo PARS Pension Rate Stabilization Program (PRSP) August 31, 2017
2 Pension Funding Status As of June 30, 2015, City of El Segundo s CalPERS pension plan is funded as follows: Actuarial Liability $354.4 M Assets $242.5 M Unfunded Liability $112.0 M Funded Ratio 68.4% Employer Contribution Amount ( ) $11.3 M * Data from Agency s CalPERS Actuarial Valuation City of El Segundo 2
3 % of Payroll Projected Employer Contributions (Misc.) Projected misc. contributions increase from $2.8M to $5.3M* 36.00% 34.00% 32.00% 30.00% 28.00% 26.00% 24.00% 22.00% 20.00% 18.00% Projected CalPERS Rate (7.0%) Original CalPERS Rate (7.5%) * Data from Agency s CalPERS Actuarial Valuation, with adjustments for discount rate projections based on funding status City of El Segundo 3
4 % of Payroll Projected Employer Contributions (Safety) Projected safety contributions increase from $8.4M to $14.5M* 87.00% 82.00% 77.00% 72.00% 67.00% 62.00% 57.00% 52.00% Projected CalPERS Rate (7.0%) Original CalPERS Rate (7.5%) * Data from Agency s CalPERS Actuarial Valuation, with adjustments for discount rate projections based on funding status City of El Segundo 4
5 Section 115 Trust Section 115 Trust can be used by local governments to fund essential governmental functions Any income derived from a Section 115 Trust is tax exempt Trust is irrevocable and designed to prefund retirement plan obligations Once contributions are placed into trust, assets from the trust can only be used for its intended plan purposes: reimburse City for pension contributions assets can be transferred directly to retirement system Pay pension plan related expenses (actuarial, audit, etc.) City of El Segundo 5
6 OPEB/PENSION Client lists U p d a t e d : A u g u s t CITIES & TOWNS Alameda Alhambra Atherton Bakersfield Bell Gardens Brea Brisbane Burlingame Camarillo Capitola Chino Hills Colma Commerce Coronado Covina Crescent City Cupertino Daly City Duarte Elk Grove Fountain Valley Fullerton Galt Glendale Half Moon Bay Healdsburg Hercules Hermosa Beach Huntington Beach La Mesa La Verne Lake Forest Lakewood Livermore Lodi Mammoth Lakes Manhattan Beach Morgan Hill Napa Norwalk Novato Oakley Palo Alto Rancho Cucamonga Redding Redwood City Rialto Richmond Rohnert Park Rolling Hills Rosemead San Leandro Santa Ana Santa Clara Santa Clarita Sausalito Solana Beach Stanton Temple City Tiburon Tustin Union City Upland Vallejo West Sacramento Westminster Woodland Yountville Yuba City Yucca Valley COUNTIES Amador Contra Costa Humboldt Imperial Inyo Kern Kings Merced Mono Nevada Placer Plumas Riverside San Benito Shasta Solano Sonoma Sutter Trinity Yolo Bolded agencies have adopted PRSP City of El Segundo 6
7 Why Prefund Pension Obligations? Complete Local Control over Assets Pension Rate Stabilization Program provides an alternative to sending money directly to retirement system to address unfunded pension liabilities Pension Rate Stabilization Assets can be transferred to retirement system plan at the City s direction, which can reduce or eliminate large fluctuations in Employer contributions to retirement system Rainy Day Fund Emergency source of funds when Employer revenues are impaired based on economic or other conditions Diversified Investing Potential for Greater Return than General Fund City of El Segundo 7
8 Sample Funding Policies Contribute 50% of a given year s realized year end surplus to address pension liability Contribute amount equal to annual PERS employer contribution ($6 million) in order to allow full access to trust assets at all times Contribute $4 million to stabilize PERS employer misc. Rates to 28% and safety rates to 44% through FY One equals five plan - Contribute $1 million per year for 5 years based on premise that every contribution will save taxpayers $5 million over 25 years Using one-time revenue source plus on-going savings from CalPERS unfunded liability pre-payment Maintains a 15% general fund reserve and is targeting to make contributions over and above that threshold into the Trust Earmarked a portion of a recently approved local sales tax measure to be set aside for unfunded pension liabilities Solana Beach & Alameda BREA HEALDSBURG HUNTINGTON BEACH pasadena Redwood City Fountain valley City of El Segundo 8
9 Investment Flexibility City maintains oversight of the investment manager and the portfolio s risk tolerance level Investment restrictions that apply to the general fund (CA Government Code 53601) are not applicable to assets held in The PARS Section 115 Irrevocable Trust Assets held in The PARS Section 115 Irrevocable Trust can be invested per Government Code Sections (Pension) Investments can be diversified and invested in a prudent fashion Investments can be tailored to the City s unique demographics and needs Increased risk diversification City of El Segundo 9
10 Expected Model Return Investment Strategies PARS ASSET ALLOCATION STRATEGIES Efficient Frontier: Equity Fixed Income Cash Capital Appreciation Moderate Balanced Moderately Conservative Investment Objectives Conservative Equity Fixed Income Cash Conservative 5-20% 60-95% 0-20% Moderately Conservative 20-40% 50-80% 0-20% Moderate 40-60% 40-60% 0-20% Balanced 50-70% 30-50% 0-20% Capital Appreciation 65-85% 10-30% 0-20% Expected Model Risk (standard deviation) City of El Segundo 10
11 HighMark Capital Management Returns RETURNS AS OF JUNE 30, 2017 Equity (%) 1 Year 3 Years 5 Years 10 Years Capital Appreciation 65-85% 14.19% 5.64% 9.67% -- Balanced 50-70% 12.65% 4.97% 8.31% 4.99% Moderate 40-60% 10.54% 4.60% 7.27% 4.92% Moderately Conservative 20-40% 6.67% 3.64% 5.42% 4.75% CalPERS Pension annualized return over 10 years 4.40% Conservative 5-20% 3.85% 2.99% 3.96% 4.33% * Past performance does not guarantee future results City of El Segundo 11
12 Steps to Implementation City Council authorizes establishment of The PARS Trust and appoints a Plan Administrator PARS provides legal documents for signature by Plan Administrator City develops investment policy and guidelines for Investment Manager Council approves initial deposit to The PARS Trust Cities develop policies & procedures for future annual contributions and/or disbursements PARS conducts an annual client services review City of El Segundo 12
13 Program Fees Trust Administration/Consulting Fees Plan Set-Up Fee: Ongoing Fees: None 0.25% for assets $0-10 million 0.20% for assets $10-15 million 0.15% for assets $15-50 million 0.10% for assets over $50 million Discretionary Trustee/Investment Management Fees* Plan Set-Up Fee: Ongoing Fees: None 0.35% for assets under $5 million 0.25% for assets $5-10 million 0.20% for assets $10-15 million 0.15% for assets $15-50 million 0.10% for assets over $50 million * Trustee provides fee waivers ranging from 0.01% to 0.10% of plan assets depending on utilization of certain mutual funds in the portfolio City of El Segundo 13
14 Contacts Dennis Yu Senior Vice President (800) ext. 104 Rachael sanders Manager, Retirement Programs (800) ext. 121 City of El Segundo 14
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