Are My Calcs Okay?

[Archimage]

It has been a while since I have performed some new comparability projections. Would someone mind looking over these for me and let me know if I doing it correctly. Thanks.

[Tom Poje]

I didn't see an indication what mortality table/interest rate was used, and I don't have any tables sitting in front of me to check the actuarial factors/normalization factors.

however you have the following:

HCE age 44

NHC age 33

this is an 11 year difference

1.085^11 = 2.453167

allocation to NHCE = 9.06%

9.06% * 2.453167= 22.22569

and you indicated the rate to the HCE was 22.22.- so I would expect those two ees to have the same E-Bar

This implies that the NHCEs age 33 and 32 are in the rate group, so passes nondiscrimclassification test.

since the two ees have the same e-bar - your mortality results in 15.51.

one ee is age 38 or 5 year difference.

1.085^5=1.5036

15.51 / 1.5036 = 10.31 which is the e-bar you indicated.

without going firther, I would say your numbers look fine, plan will pass avg ben % test.