
All-inclusive range of services for retirement benefits
A successful employee benefit plan reinforces a plan sponsor’s business objectives around such issues as recruitment, retention, and productivity. Our retirement team distinguishes itself by exceeding market and industry standards in its approach to the following services:
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We provide comprehensive actuarial, technical, and strategic consulting for Qualified and Non-qualified Defined Benefit and Defined Contribution Retirement Plans, as well as other Post-Retirement Benefit Plans on issues including but not limited to:
- Plan Design Studies (provide benefit /cost analysis, comparative industry data, benefit adequacy analysis)
- Plan Interpretations
- Plan Administration
- Plan Investment Policies
- Frozen pension plans management, i.e., developing the appropriate process for funding, planning, and implementing a plan termination
- Search and selection of investment managers, manager of managers, and investment advisors
- Forecasting of contribution and expense results based on varying key economic assumptions
- Retiree medical and life insurance funding in a VEBA under Code Sections 419A and 512
- Non-qualified plans including plan design, 409A compliance, FICA calculations and SEC proxy disclosure
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Our retirement practice offers an all-inclusive range of services for defined benefit, defined contribution, and other post-retirement medical plans.
Our team of actuaries, economists, and other retirement experts have a breadth of experience with all aspects of retirement strategy and plan design and can provide comprehensive actuarial, technical, and strategic consulting for both qualified and non-qualified plans.
In addition to the customary actuarial work for funding and expense valuations, we offer a broad range of administrative support, outsourcing assistance, and data services consulting to our clients. We review a client’s entire retirement benefits program and advise on risk management strategies for cost savings and compliance. We are experienced in the benefits’ due diligence process for mergers, acquisitions, and divestitures.
Our retirement team distinguishes itself by exceeding market and industry standards in its approach to establishment and documentation of appropriate actuarial assumptions for defined benefit, retiree medical and non-qualified plans. Its knowledge is unsurpassed regarding defined contribution plan transparency considerations, cost benchmarks, design alterations, and specific vendor capabilities.
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We provide consulting on every facet of the 401(k) plan, including:
- Request for Proposal for vendor selection
- Assistance in vendor selection and management
- Detailed analysis of defined contribution vendor fees for transparency, investment, recordkeeping, and other components and consulting related thereto
- Benchmarking and evaluation of Best Practices and Performance Guarantees
- Specialized studies of transitions from defined benefit to defined contribution programs
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We perform annual funding and expense actuarial valuations and work with the plan sponsor to define the best approach to all phases of the valuation process. This includes:
- Gathering participant data and reconciling data between years
- Providing data edits, questions, and corrections
- Gathering asset information and performing reconciliation
- Discussing actuarial assumptions for contribution purposes
- Developing funding contribution results
- Preparing Adjusted Funding Target Attainment Percentage (AFTAP) certification
- Calculating FAS #35, FAS #87, FAS #106, FAS #158, and IAS 19 results
- Claims analysis and benchmarking for retiree medical programs
- Consulting on Health Care Reform issues and compliance including Medicare Part D prescription drug coverage as it relates to retiree medical
- Discussing appropriate assumptions with the plan sponsor and its auditors for expense purposes
- Preparing financial statement disclosure information based upon agreed assumptions
- Preparing expense based on agreed assumptions for prior year and new participant information
- Comprehensive final actuarial valuation report
- Presentation of results
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We prepare and review all required government filings including but not limited to:
- Form 5558 request for extension
- Form 5500 for both the defined benefit and defined contribution plans with schedules A, SB, C, D, H, R, and T and IRS Form 8955-SSA, if applicable
- PBGC premium filings
- ERISA 4010 filings
- ERISA 4062(e) filings
- Reportable event filings and other necessary filings with the PBGC
We conduct and assist with all audits and review to ensure all plans are being properly administered and are in compliance. This includes but is not limited to:
- Assisting auditor with written confirmation of all needed information for annual audit
- Auditing all needed and appropriate consulting, vendor and other (e.g., Social Security Administration) information, for accuracy, reasonableness, and consistency
- Conducting or reviewing all needed Discrimination testing as outlined under 401(a)(4), 410(b), 401(k), and 401(m)
- Preparing or reviewing applicable determination filings as preformed on Form 5300
- Voluntary Compliance and Plan Fiduciary Audits
- Plan Fiduciary Audits
- Independent actuarial audits of current actuarial work
- Reviewing and updating plan documents, plan amendments, board resolutions, and Summary Plan Descriptions
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We review the entire retirement benefits program and advise on risk management strategies for cost savings and compliance, including:
- Quantifying costs and risks
- Evaluation of long-term costs and future contributions through projections and future planning
- A comprehensive review of all retirement programs
- Evaluation of strategies that support business goals, organizational goals, and employee retention
- Assess your current HR benefits structure, processes, underlying technology, and service providers
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As an extension of our client’s benefits team, we work to obtain a deep understanding of our client’s retirement plans and systems platform. We provide strong data analytics support to help manage our client’s strategic initiatives, maintain, or improve data integrity, and promote process efficiency improvements. We develop healthy relationships with our client’s business associates to ensure a partnering approach to projects and initiatives. Rather than reacting to transactional issues, our retirement team employs a holistic end-to-end problem-solving approach to fully resolve root cause issues occurring within a client’s retirement ecosystem.
We perform due diligence to ensure a comprehensive assessment of a client’s plan administration:
- Review plan documents and communications to ensure conformity to governing law
- Review plan operations, administration, and procedures for conformity to plan documents and communications materials
- Review accuracy of benefit calculations in the areas of plan eligibility, service calculations, compensation, benefit calculations and payments, QDROs, and special calculations
We build custom tools and models to systematically monitor data integrity and promote process efficiency:
- Auditing and analysis of retirement plan data to ensure cross system data reconciliations
- Identifying and resolving data integrity issues to improve systems automation
- Strong data analytics to support strategic efforts, manage controls and maintain data integrity
- Custom model development to support transitions from manual to automated processes
- Systems interface research, evaluation, remediation, and documentation of process flows
- Our data management services include but are not limited to
- Data clean-up, data validation, reconciliation of data between multiple sources and vendors, analysis, and integration of conversion data
- General consulting with respect to data analysis, interpretation, and correction strategies
We offer participant servicing and benefit research management:
- End-to-end participant research to support benefit determinations by leveraging our client's systems data, plan documents, plan rules, acquisition files, and HR personnel files
- Benefit claim and appeal support around researching participant issues and drafting formal responses
- Review of service calls to ensure proper handling of participant issues and messaging of the plan
We support general client operations and administration in the areas of:
- Vendor and project management support to free up benefit team resources
- Develop training materials and conduct training sessions with client's recordkeeper customer service groups to set expectations, drive a client's culture, and improve the participant experience
- Special project support ranging from derisking, valuation file clean-up, plan mergers, corporate actions, pension calculation automation, and focused audits
- Identify potential areas where savings or ROI opportunities exist across the retirement landscape
- Assist and review non-standard benefit calculations for technical and actuarial issues
- Review of outsourcing relationships with recommendations for improvements
- Auditing of benefit calculation systems for accuracy and compliance
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We maintain a comprehensive review and assessment process to support merger and acquisition due diligence which includes:
- Data collection for census, SPDs, reports, and calculations
- Investment policy and performance review
- Assessment of plan compliance with applicable laws
- Review of Plan communications
- Evaluation and projections of Accounting and Funding costs and liabilities pre- and post-acquisition
- Analysis of alternatives for merging and spinning off plans
- Analysis of benefits which must be preserved based on applicable IRS rules
- Retirement platform onboarding and implementation
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[{id=187918185375, createdAt=1743000928060, updatedAt=1743005600094, 1='{type=string, value=Sample California Bond}', 2='{type=string, value=Varies}', 3='{type=string, value=#}', 4='{type=string, value=Learn more}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=
Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
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}'}, {id=187918692102, createdAt=1743004969903, updatedAt=1743005596878, 1='{type=string, value=Sample California Bond 2}', 2='{type=string, value=X}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Lorem ipsum}', 7='{type=string, value=Description goes here and here}'}, {id=188601390617, createdAt=1744198475042, updatedAt=1744198475042, 1='{type=string, value=Alcohol Tax Bonds (Federal/TTB)}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.}'}, {id=188601390618, createdAt=1744198475043, updatedAt=1744198475043, 1='{type=string, value=Appraisal Management Company Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$200}', 7='{type=string, value=Necessary for firms overseeing networks of state-licensed appraisers.}'}, {id=188601390619, createdAt=1744198475044, updatedAt=1744198475044, 1='{type=string, value=Arkansas Motor Vehicle Dealer Bonds}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Mandatory for new and used vehicle dealers and wholesalers.}'}, {id=188601390620, createdAt=1744198475045, updatedAt=1744198475045, 1='{type=string, value=Barber School Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures barber schools adhere to contractual and professional obligations.}'}, {id=188601390621, createdAt=1744198475046, updatedAt=1744198475046, 1='{type=string, value=Beauty Pageant Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees that beauty pageant organizers fulfill their contractual commitments.}'}, {id=188601390622, createdAt=1744198475047, updatedAt=1744198475047, 1='{type=string, value=Bid Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Serve as financial assurance for certain contract bid proposals, especially large-scale projects.}'}, {id=188601390623, createdAt=1744198475048, updatedAt=1744198475048, 1='{type=string, value=Broker-Dealer, Investment Adviser, or Agent of the Issuer Bond}', 2='{type=string, value=$1,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for professionals in securities to ensure compliance with regulations.}'}, {id=188601390624, createdAt=1744198475049, updatedAt=1744198475049, 1='{type=string, value=Business Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft and misconduct for businesses operating on client premises.}'}, {id=188601390625, createdAt=1744198475050, updatedAt=1744198475050, 1='{type=string, value=Certificate of Title Bond}', 2='{type=string, value=$100 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Needed for vehicles lacking titles necessary for registration.}'}, {id=188601390626, createdAt=1744198475051, updatedAt=1744198475051, 1='{type=string, value=Child and Adult Care Food Program (CACFP) Bond}', 2='{type=string, value=$1,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure compliance with CACFP regulations for meal service providers.}'}, {id=188601390627, createdAt=1744198475052, updatedAt=1744198475052, 1='{type=string, value=Cigarette Stamp Deputy Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for deputies overseeing cigarette stamp distribution and compliance.}'}, {id=188601390628, createdAt=1744198475053, updatedAt=1744198475053, 1='{type=string, value=City of Maumelle Solicitor Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for solicitors operating within Maumelle to ensure adherence to local ordinances.}'}, {id=188601390629, createdAt=1744198475054, updatedAt=1744198475054, 1='{type=string, value=City of Texarkana License and Permit Bond}', 2='{type=string, value=$2,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for businesses in Texarkana to guarantee compliance with municipal regulations.}'}, {id=188601390630, createdAt=1744198475055, updatedAt=1744198475055, 1='{type=string, value=CLB Commercial Contractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors undertaking commercial projects valued at $50,000 or more.}'}, {id=188601390631, createdAt=1744198475056, updatedAt=1744198475056, 1='{type=string, value=CLB Financial Statement Contractor Bond}', 2='{type=string, value=$50,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=For contractors unable to provide financial statements meeting state net worth criteria.}'}, {id=188601390632, createdAt=1744198475057, updatedAt=1744198475057, 1='{type=string, value=CLB Subcontractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for subcontractors with contracts of $2,000 or more with unlicensed contractors.}'}, {id=188601390633, createdAt=1744198475058, updatedAt=1744198475058, 1='{type=string, value=Coin Operated Amusement Machine Operator Bond}', 2='{type=string, value=$6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for operators of coin-operated amusement machines.}'}, {id=188601390634, createdAt=1744198475059, updatedAt=1744198475059, 1='{type=string, value=Coin Operated Cigarette Machine Operator’s Bond}', 2='{type=string, value=$2,000 - $6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for operators of coin-operated cigarette machines to ensure regulatory compliance.}'}, {id=188601390635, createdAt=1744198475060, updatedAt=1744198475060, 1='{type=string, value=Collection Agency Bond}', 2='{type=string, value=$10,000 - $25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for entities collecting debts to ensure ethical practices.}'}, {id=188601390636, createdAt=1744198475061, updatedAt=1744198475061, 1='{type=string, value=Combative Sports Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for organizers of combative sports events to ensure adherence to regulations.}'}, {id=188601390637, createdAt=1744198475062, updatedAt=1744198475062, 1='{type=string, value=Contractor License Bonds}', 2='{type=string, value=$100 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required by the state and some cities for licensed contractors to ensure compliance with building codes.}'}, {id=188601390638, createdAt=1744198475063, updatedAt=1744198475063, 1='{type=string, value=CPEO Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for Certified Professional Employer Organizations at the federal level.}'}, {id=188601390639, createdAt=1744198475064, updatedAt=1744198475064, 1='{type=string, value=Credit Repair Services Organization Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensure credit repair companies adhere to state regulations and protect consumers.}'}, {id=188601390640, createdAt=1744198475065, updatedAt=1744198475065, 1='{type=string, value=DMEPOS (Medicare) Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$275}', 7='{type=string, value=Required for suppliers of durable medical equipment participating in Medicare.}'}, {id=188601390641, createdAt=1744198475066, updatedAt=1744198475066, 1='{type=string, value=ERISA Bonds}', 2='{type=string, value=$10,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Protect employee benefit and retirement plans managed by fiduciaries.}'}, {id=188601390642, createdAt=1744198475067, updatedAt=1744198475067, 1='{type=string, value=Federal Maritime Commission Bonds}', 2='{type=string, value=$50,000 - $75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$625}', 7='{type=string, value=Required for Ocean Transportation Intermediaries by the FMC.}'}, {id=188601390643, createdAt=1744198475068, updatedAt=1744198475068, 1='{type=string, value=Fish and Game License Agent Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for agents selling hunting and fishing licenses to ensure proper handling of funds.}'}, {id=188601390644, createdAt=1744198475069, updatedAt=1744198475069, 1='{type=string, value=Freight Broker Bond (BMC-84)}', 2='{type=string, value=$75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the FMCSA for freight brokers and forwarders in the U.S.}'}, {id=188601390645, createdAt=1744198475070, updatedAt=1744198475070, 1='{type=string, value=Fuel Tax Bonds}', 2='{type=string, value=$1,000 - $800,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fuel sellers to maintain licensing under the IFTA.}'}, {id=188601390646, createdAt=1744198475071, updatedAt=1744198475071, 1='{type=string, value=H-2A Farm Labor Contractor Bonds}', 2='{type=string, value=$5,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for farm labor employers participating in the H-2A program.}'}, {id=188601390647, createdAt=1744198475072, updatedAt=1744198475072, 1='{type=string, value=Household Pest and Rodent Control Bond}', 2='{type=string, value=$50,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=Ensure pest control companies comply with state regulations.}'}, {id=188601390648, createdAt=1744198475073, updatedAt=1744198475073, 1='{type=string, value=HUD Manufactured Housing Installer Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for installers of manufactured housing under HUD guidelines.}'}, {id=188601390649, createdAt=1744198475074, updatedAt=1744198475074, 1='{type=string, value=Janitorial Cleaning Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft for janitorial services.}'}, {id=188601390650, createdAt=1744198475075, updatedAt=1744198475075, 1='{type=string, value=Lost Instrument Bonds}', 2='{type=string, value=$50 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before issuing duplicates of lost financial certificates.}'}, {id=188601390651, createdAt=1744198475076, updatedAt=1744198475076, 1='{type=string, value=Maintenance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Protect project owners from damages due to faulty construction post-completion.}'}, {id=188601390652, createdAt=1744198475077, updatedAt=1744198475077, 1='{type=string, value=Medallion Signature Guarantee (STAMP) Bonds}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for participants in the Securities Transfer Agents Medallion Program.}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, 1='{type=string, value=Money Transmitter Bond}', 2='{type=string, value=$50,000 - $300,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, 1='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', 2='{type=string, value=$100,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, 1='{type=string, value=New Motor Vehicle Dealer Bond}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Required for dealers selling new vehicles in Arkansas.}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, 1='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, 1='{type=string, value=North Little Rock Contractor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, 1='{type=string, value=Notary Bond}', 2='{type=string, value=$7,500}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, 1='{type=string, value=Open-Cut Land Reclamation Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, 1='{type=string, value=Oversize and Overweight Hauling Permit Bond}', 2='{type=string, value=$1,000 - $10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, 1='{type=string, value=Paid Solicitor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$150}', 7='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, 1='{type=string, value=Payment Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, 1='{type=string, value=Performance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, 1='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', 2='{type=string, value=$1,000 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, 1='{type=string, value=Private Career Education School Bond}', 2='{type=string, value=$5,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$37}', 7='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, 1='{type=string, value=Private Employment Agency Bond}', 2='{type=string, value=$5,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, 1='{type=string, value=Probate & Estate Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, 1='{type=string, value=Process Server Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, 1='{type=string, value=Professional Employer Organization Bond}', 2='{type=string, value=$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$1,000}', 7='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, 1='{type=string, value=Public Official Bonds}', 2='{type=string, value=$1,000 - $2,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, 1='{type=string, value=Residential Roofing Contractor Bond}', 2='{type=string, value=$15,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, 1='{type=string, value=Right of Way Bonds}', 2='{type=string, value=$1,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, 1='{type=string, value=Scholarship Uniform Lottery Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, 1='{type=string, value=State Highway and Transportation Department Contract Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, 1='{type=string, value=Subdivision Bonds}', 2='{type=string, value=$1,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, 1='{type=string, value=Summer Food Service Program Bond}', 2='{type=string, value=$1,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, 1='{type=string, value=Supply Bond}', 2='{type=string, value=$1,000 - $25,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, 1='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, 1='{type=string, value=Third Party Administrator Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, 1='{type=string, value=Towing and Recovery Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, 1='{type=string, value=TTB Tobacco Bonds}', 2='{type=string, value=$100 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, 1='{type=string, value=Used Tire Transporter Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, 1='{type=string, value=USTOA Indemnity Bonds}', 2='{type=string, value=$1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, 1='{type=string, value=Utility Bond}', 2='{type=string, value=$100 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$40}', 7='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}'}]