Report & Accounts - JLT

31. Retirement benefit obligations cont.The amounts included in the consolidated statement of recognised income and expense are as follows:UK SchemeUS SchemeReconciliation on return of assets 2005 2004 2005 2004£’000 £’000 £’000 £’000Loss on defined benefit obligation 62,519 13,838 2,389 1,081(Gain)/loss on plan assets (31,642) (3,140) 148 394Total actuarial losses recognised 30,877 10,698 2,537 1,475Cumulative actuarial losses recognised 114,344 83,467 7,795 5,258The four year history of experience adjustments is as follows:UK SchemeReconciliation on return of assets 2005 2004 2003 2002£’000 £’000 £’000 £’000Defined benefit obligation at end of year (477,145) (388,499) (347,160) (277,058)Fair value of plan assets 331,308 273,150 190,197 155,894Deficit in the scheme (145,837) (115,349) (156,963) (121,164)Difference between the expected and actual return on plan assets- amount (£’000) 31,642 3,140 17,430 (44,269)- expressed as a percentage of the plan assets 9.55% 1.15% 9.16% 28.40%Experience losses on plan liabilities- amount (£’000) 82 (2,364) (28,810) (6,357)- expressed as a percentage of the present value of the plan liabilities (0.02%) 0.61% 8.30% 2.29%US Scheme2005 2004 2003 2002£’000 £’000 £’000 £’000Defined benefit obligation at end of year (29,979) (25,560) (25,088) (24,635)Fair value of plan assets 22,625 19,896 20,678 20,042Deficit in the scheme (7,354) (5,664) (4,410) (4,593)Difference between the expected and actual return on plan assets- amount (£’000) (148) (394) 1,980 (3,090)- expressed as a percentage of the plan assets (0.65%) (1.98%) 9.58% (15.42%)Experience losses on plan liabilities- amount (£’000) 315 (165) 104 (297)- expressed as a percentage of the present value of the plan liabilities (1.05%) 0.65% (0.41%) 1.21%The expected contributions for the year ending 31st December 2006 are as follows:Employee Employercontributions contributions Total£’000 £’000 £’000Jardine Lloyd Thompson Pension Scheme 3,100 16,600 19,700JLT (USA) Employees Retirement Plan - 708 708Total expected contributions 3,100 17,308 20,408Financial Statements Jardine Lloyd Thompson Group plc Annual Report & Accounts 200595