Our clients have ranged in size from sole proprietors to Fortune 100 class organizations. DeSales Associates is characterized by a creative and imaginative problem solving approach together with an orientation that seeks out opportunities to add value. DeSales Associates is unique among benefits consulting firms in its commitment to apply mathematical optimization techniques and the latest technological developments in solving problems confronting managers in finance and human resources. 

• Our capability in financial and HR systems is unique among employee benefit consulting firms. We designed a proprietary valuation system that makes full use of advances in computer hardware and software that produces significant savings in annual actuarial fees together with an unprecedented clarity and depth of analysis.

• We take advantage of new developments and technologies. As a result of the Freedom of Information Act, we periodically perform address searches and death checks to ensure that only those who are entitled to benefits receive them, and that pension assets are not misappropriated.

• We developed software using generational mortality to evaluate the reasonability of annuity purchase rates set by life insurance companies.

• We were among the first benefit consulting firms to successfully apply the “de-risking” concept to defined benefit plans. In 1995, we used the new GATT interest rate basis by amending the plan of a major tire manufacturer to create a “lump sum window” and lock in an 8.08% settlement rate to pay single lump distributions to a large block of deferred vested participants. The plan’s funded status was improved and all future PBGC premiums were eliminated for participants that received lump-sum payouts.

• We were at the forefront of benefit plan “outsourcing”. We performed all administrative services and opened a toll-free call center to respond to questions from plan participants in the major tire manufacturer’s defined benefit plan in connection with the “lump sum window”.

• We developed a pension administration system for a Northeastern Ohio manufacturing firm and have provided outsourcing services for all plan participants together with a toll-free telephone call center.