LiveRamp (RAMP) 11-K Annual report of employee stock purchases

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 11-K

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

(Mark One)

x Annual Report pursuant to Section 15(d) of the Securities Exchange Act of 1934

For the fiscal year ended December 31, 2005.

OR

o Transition Report pursuant to Section 15(d) of the Securities Exchange Act of 1934

For the transition period from _______________ to _______________

Commission File Number 0-16163

A. Full title of the plan and the address of the plan, if different from that of the issuer named

below:

Acxiom Corporation

Retirement Savings Plan

B. Name of issuer of the securities held pursuant to the plan and the address of its principal

executive office:

Acxiom Corporation

1 Information Way

Little Rock, AR 72202

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Financial Statements and Supplemental Schedule

December 31, 2005 and 2004

(With Report of Independent Registered Public Accounting Firm Thereon)

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Table of Contents
		Page
Report of Independent Registered Public Accounting Firm		1
Statements of Net Assets Available for Benefits
	December 31, 2005 and 2004	2
Statement of Changes in Net Assets Available for Benefits
	Year ended December 31, 2005	3
Notes to Financial Statements		4
Schedule
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
	December 31, 2005	9
Signatures page		10
Exhibit Index		11
Exhibit 23.1		12

All other schedules required by the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974 are omitted as they are inapplicable or not required.

Report of Independent Registered Public Accounting Firm

The Plan Administrator

Acxiom Corporation Retirement Savings Plan:

We have audited the accompanying statements of net assets available for benefits of the Acxiom Corporation Retirement Savings Plan (the Plan) as of December 31, 2005 and 2004, and the related statement of changes in net assets available for benefits for the year ended December 31, 2005. These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Acxiom Corporation Retirement Savings Plan as of December 31, 2005 and 2004, and the changes in net assets available for benefits for the year ended December 31, 2005, in conformity with U.S. generally accepted accounting principles.

Our audits were performed for the purpose of forming an opinion on the basic financial statements taken as a whole. The supplemental schedule of assets (held at end of year) as of December 31, 2005 is presented for purposes of additional analysis and is not a required part of the basic financial statements, but is supplementary information required by the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. This supplemental schedule is the responsibility of the Plan’s management. The supplemental schedule has been subjected to the auditing procedures applied in the audits of the basic financial statements and, in our opinion, is fairly stated in all material respects in relation to the basic financial statements taken as a whole.

/s/ KPMG LLP

Dallas, Texas

June 23, 2006

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Statement of Changes in Net Assets Available for Benefits

December 31, 2005 and 2004

					2005	2004
Assets:
	Cash			$	35,532	—
	Investments, at fair value:
		Acxiom Corporation common stock			72,852,982	85,390,879
		Participant brokerage accounts			1,167,548	866,875
		Mutual funds			166,112,187	137,945,888
		Common collective trust funds			24,636,031	20,960,329
		Participant notes receivable			5,555,017	4,688,578
			Total investments		270,323,765	249,852,549
			Net assets available for benefits	$	270,359,297	249,852,549
See accompanying notes to financial statements.

2

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Statement of Changes in Net Assets Available for Benefits

December 31, 2005 and 2004

Additions to net assets attributed to:
	Investment income (loss):
		Dividends		$		7,863,494
		Interest				351,913
		Accrued interest on deemed distributed loans				1,489
		Net depreciation in fair value of investments				(3,780,461)
						4,436,435
	Contributions:
		Participants				19,755,212
		Employer, net of $1,040,547 of forfeitures				5,542,414
		Net assets transferred from other plans				6,631,913
						31,929,539
			Total additions			36,365,974
Deductions from net assets attributed to:
	Plan expenses					(24,216)
	Benefits paid to participants and beneficiaries					(15,835,010)
			Total deductions			(15,859,226)
			Net increase in net assets available for benefits			20,506,748
Net assets available for benefits, beginning of year						249,852,549
Net assets available for benefits, end of year					$	270,359,297
See accompanying notes to financial statements.

3

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Notes to Financial Statements

December 31, 2005 and 2004

(1) Plan Description

The following description of the Acxiom Corporation Retirement Savings Plan (the Plan) provides only general information. Participants should refer to the Plan agreement (the Agreement) for a more complete description of the Plan’s provisions.

(a) General

The Plan is a defined contribution Plan covering substantially all employees of Acxiom Corporation and its domestic subsidiaries (Acxiom, the Company, or the Employer). The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA), as amended.

(b) Contributions

The Plan includes a 401(k) provision whereby each non-highly compensated participant may defer up to 30% of annual compensation not to exceed limits determined under Section 415(c) of the Internal Revenue Code (IRC). Deferrals for highly compensated participants are limited to meet nondiscrimination requirements of the IRC and are currently limited to 6% of annual compensation.

Effective March 1, 2004, the Plan provides a discretionary matching contribution of 50% of deferrals for deferrals up to 6% (maximum matching contribution of 3%). Prior to March 1, 2004, the discretionary matching contribution was 25% for deferrals up to 6% (maximum matching contribution of 1.5%).

Participant contributions to the Plan are invested as directed by participants into various investment options. The Company’s matching contributions are made with Acxiom common stock and are recorded based on the fair value of the common stock at the date contributed. During the years ended December 31, 2005 and 2004 the Company contributed 319,302 and 228,488 shares, respectively, of Acxiom common stock. Immediately upon deposit into the Plan, the match shares are 100% diversifiable, at the election of the participant, among the other investment options with the Plan.

(c) Participant Accounts

Each participant’s account is credited with the participant’s contribution, the Company’s matching contribution, and discretionary contributions, if any, and is adjusted for investment income/losses. Allocations of income/losses are made according to formulas specified in the Agreement based on participant compensation or account balances. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account.

4 (Continued)

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Notes to Financial Statements

December 31, 2005 and 2004

(d) Participant Notes Receivable

Participants may borrow from their fund accounts a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50% of their vested account balance. Loans are repayable through payroll deductions ranging up to five years unless the loan is for the purchase of a primary residence, in which case the loan can be repaid over ten years. The loans are secured by the balance in the participant’s account and bear interest at the prime rate in effect at the date of the loan plus 2%. The interest rates on outstanding participant loans at December 31, 2005 and 2004 range from 6% to 11.5%, with maturity dates ranging to September 2015.

(e) Vesting

Participants are immediately vested in their voluntary contributions and the earnings thereon. Participants are vested in the remainder of their accounts based on years of service, whereby partial vesting occurs in 20% increments beginning after two years of service until participants become fully vested after six years of service. If applicable, nonvested portions of Company contributions are forfeited as of an employee’s termination date and are used to reduce future Company matching contributions or to pay Plan expenses.

At December 31, 2005 and 2004, forfeited nonvested accounts totaled $34,974 and $854,378, respectively. These accounts will be used to reduce future Employer contributions. During 2005 $360,117 of participants’ accounts were forfeited and Employer contributions were reduced by $1,040,547 from forfeited nonvested accounts. During 2005 the forfeiture account balance was decreased by $104,429 on the fair market value of the investments held in the account.

(f) Investment Options

Upon enrollment in the Plan, a participant may direct employee contributions in any of 21 mutual funds and two common collective trust funds currently offered by T. Rowe Price Investment Services, Inc. (T. Rowe Price) (note 4) or the Acxiom common stock fund. In addition, participants have the option to open a self-directed brokerage account with T. Rowe Price in order to invest in numerous other stocks, bonds, and mutual funds.

The Plan’s investment in the T. Rowe Price Stable Value Fund (the Fund), a common trust fund, holds substantial investments in guaranteed investment contracts, bank investment contracts, and synthetic investment contracts. The value of the Fund reflects the value of the underlying contracts, which consist of changes in principal value, reinvested dividends and capital gains distributions, and approximate fair market value. The stated interest rates of the contracts vary and the average yield for the year ended December 31, 2005 was 4.4% after expenses.

The Plan’s investment in the T. Rowe Price Equity Index Trust (the Trust), a common trust fund, holds substantial investments in common stocks of companies that comprise the S&P Index. The returns from the investments vary and the average yield for the year ended December 31, 2005 was 5.01% after expenses.

5 (Continued)

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Notes to Financial Statements

December 31, 2005 and 2004

(g) Benefits Paid to Participants and Beneficiaries

Benefits paid upon retirement, death, or disability are made in the form of a lump-sum payment of cash or common stock of the Company. If a participant receives benefits prior to retirement, death, or disability, the benefits paid from the participant’s Employer contribution account shall not exceed the participant’s vested balance therein.

(h) Net Assets Transferred from Other Plans

On April 1, 2005 and October 3, 2005, the account balances of all participants in the SmartDM Admin Staff 401(k) Plan totaling $449,785 and Digital Impact Inc. plan totaling $6,162,821 were transferred to the Plan, respectively.

(2) Summary of Significant Accounting Policies

(a) Basis of Accounting

The financial statements of the Plan are prepared under the accrual method of accounting.

(b) Use of Estimates

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of additions to and deductions from net assets during the reporting period. Actual results could differ from those estimates.

(c) Investment Valuation and Income Recognition

The Plan’s investments in mutual funds, Acxiom Corporation common stock, and participant brokerage accounts are stated at fair value, based upon quoted market prices, except for participant notes receivable, which are stated at unpaid principal balance, which approximates fair value. Purchases and sales of securities and related income are recorded on a trade date basis. Investments in common collective trust are valued based on their net asset value as determined by the Trustee, based on the fair value of the underlying assets.

The Plan provides for investment in investment securities that, in general, are exposed to various risks, such as interest rate, credit, and overall market volatility. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participants’ account balances and the amounts reported in the statements of net assets available for benefits.

(d) Payment of Benefits

Benefits are recorded when paid.

6 (Continued)

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Notes to Financial Statements

December 31, 2005 and 2004

(3) Investments

					2005			2004
					Number of			Number of
					shares or			shares or
					units		Fair value	units		Fair value
**	Acxiom common stock				3,167,521	$	72,852,982*	3,246,801	$	85,390,879*
Participant brokerage accounts					1,167,548		1,167,548	866,875		866,875
Mutual funds:
**	T. Rowe Price Equity Income
		Fund			930,976		24,130,899*	884,421		23,516,751*
**	T. Rowe Price Balanced Fund				1,022,282		20,210,522*	969,011		19,089,526*
**	T. Rowe Price Growth Stock
		Fund			780,187		22,157,309*	777,127		20,725,990*
**	T. Rowe Price Small-Cap
		Value Fund			515,134		19,013,583*	453,771		16,190,559*
**	T. Rowe Price Mid-Cap
		Growth Fund			469,709		25,430,028*	391,127		19,509,410*
**	Other funds						55,169,846			38,913,652
			Total mutual funds				166,112,187			137,945,888
Common collective trust funds:
**	T. Rowe Price Stable Value
		Fund			17,813,028		17,813,028*	16,274,040		16,274,040*
**	T. Rowe Price Equity
		Index Trust			190,533		6,823,003	137,146		4,686,289
			Total common
				collective trust funds			24,636,031			20,960,329
**	Participant notes receivable
	(6.0% – 11.5%)						5,555,017			4,688,578
			Total investments			$	270,323,765		$	249,852,549
* Represents 5% or more of net assets available for benefits.
** All T. Rowe Price Funds are a party in interest. Other Funds consist of various investments
	including T. Rowe Price Funds in the amount of $35,655,685 for 2005 and $27,400,367 for 2004.
	Acxiom common stock and participant notes receivable are also related party transactions.

7 (Continued)

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Notes to Financial Statements

December 31, 2005 and 2004

During 2005, the Plan’s investments (including investments bought, sold, and held during the year) appreciated/depreciated in value as follows:

Acxiom common stock	$	(10,565,457)
Common collective trust		314,301
Mutual funds		6,470,695
	$	(3,780,461)

(4) Plan Administration

The Plan is administered by the Company. T. Rowe Price Trust Company (T. Rowe Price) is the recordkeeper and trustee of the Plan.

Certain fees for attorneys, accountants, and Plan administration have been paid by the Company during the year ended December 31, 2005. The Company may continue to pay these fees in the future, if it so chooses; otherwise, fees will be paid out of the trust of the Plan.

(5) Tax Status

The Internal Revenue Service has determined and informed the Company in a letter dated July 21, 2003 that the Plan is designed in accordance with applicable sections of the IRC. The Plan has been amended since receiving the determination letter. The Plan Administrator believes that the Plan is currently designed and being operated in compliance with the applicable requirements of the IRC.

(6) Related Party Transactions

Certain investments represent mutual funds managed by T. Rowe Price, the trustee. In addition, cash of $35,532 at December 31, 2005, is with T. Rowe Price. Accordingly, these transactions qualify as related party transactions. During 2005 and 2004, total fees paid to T. Rowe Price were $20,888 and $19,569, respectively. Other related party transactions involve the common stock of the Company and participant notes receivable.

(7) Plan Termination

Although it has not expressed any intent to do so, the Company has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions of ERISA. Upon complete discontinuance of contributions, termination, or partial termination of the Plan, participants will become 100% vested in their accounts, in which event the value of such accounts shall be distributed as provided in the Plan.

8

ACXIOM CORPORATION

RETIREMENT SAVINGS PLAN

Schedule H, Line 4i – Schedule of Assets (Held at End of Year)

December 31, 2005

Identity of issuer, borrower,												Current
lessor, or similar party			Description					Shares		Cost		value
*	Acxiom Corporation		Common stock					3,167,521	$	**		72,852,982
	Participant Brokerage Accounts		Tradelink Investments					1,167,548		**		1,167,548
*	T. Rowe Price		Mutual funds:
				PIMCO Total Return Admin.				120,290		**		1,263,049
				American Growth Fund
					of America			147,150		**		4,541,061
				Retirement Income Fund				6,637		**		82,702
				Retirement 2005 Fund				17,003		**		184,827
				Retirement 2010 Fund				42,498		**		619,200
				Retirement 2015 Fund				114,441		**		1,284,024
				Retirement 2020 Fund				87,064		**		1,360,803
				Retirement 2025 Fund				114,018		**		1,307,788
				Retirement 2030 Fund				106,833		**		1,761,670
				Retirement 2035 Fund				93,398		**		1,120,143
				Retirement 2040 Fund				80,985		**		1,341,929
				American Funds Europacific				256,571		**		10,545,064
					Growth
				J P Morgan Mid-Cap Value, A				135,953		**		3,164,988
				Growth Stock Fund				780,187		**		22,157,309
				New Horizons Fund				362,560		**		11,507,655
				Small-Cap Value Fund				515,134		**		19,013,583
				Mid-Cap Growth Fund				469,709		**		25,430,028
				Balanced Fund				1,022,282		**		20,210,522
				Equity Income Fund				930,976		**		24,130,899
				Spectrum Income Fund				632,117		**		7,452,663
				Spectrum Growth Fund				418,896		**		7,632,280
							Total mutual funds					166,112,187
			Common collective trust funds:
*	T. Rowe Price			Stable Value Fund				17,813,028		**		17,813,028
*	T. Rowe Price			Equity Index Trust				6,823,003		**		6,823,003
							Total common collective trust funds					24,636,031
*	Participant notes receivable, interest rates range from 6.0% – 11.5%
		and maturities of January 2006 to September 2015										5,555,017
						Total investments					$	270,323,765
*	Indicates a party in interest to the Plan.
**	Not applicable – cost is omitted as investments are participant directed.
See accompanying independent registered public accounting firm report.

9

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, Acxiom Corporation has duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized.

Acxiom Corporation

As Sponsor and Administrator of the

Acxiom Corporation Retirement Savings Plan

Date: June 29, 2006 By: /s/ Rodger S. Kline                                  

Rodger S. Kline

Chief Financial and Administration Leader

10

Exhibit Index

Exhibit 23.1 Consent of KPMG LLP

11