Updated May 2026 · DOL Form 5500
UFCW International Pension Plans
Labor Union
UFCW International sponsors a single defined-benefit plan covering 365,494 active and retired participants, placing the sponsor among the larger U.S. private pension liability holders. The combined plans are well funded at 85.9% average funding ratio — within the actuarially acceptable range. Worst single-plan grade is A.
UFCW International's pension obligations span 1 plans serving 365,494 participants, with $5.2B in assets backing $6.0B in projected liabilities. Average funding sits at 86% — within typical corporate-pension range but not without ongoing funding obligations.
The plans on file for UFCW International include both active accrual plans (still adding benefits for current employees) and frozen plans (paying out earned benefits without new accruals). The worst grade among the plans is A — a useful flag for which specific plan to examine most closely. UFCW International operates in the Labor Union sector. Industry context matters for pension analysis: cyclical industries with volatile cash flow face harder funding patterns than steady-margin sectors, and the underlying ERISA and PBGC obligations are uniform across sectors regardless.
What the Numbers Mean for UFCW International
UFCW International's combined pension footprint reports $5.2B in plan assets against $6.0B in accrued benefit obligations, producing an aggregate funding ratio of 85.9%. The unfunded gap of $848.9M is the dollar amount that would have to be contributed today, on top of expected investment returns at the assumed discount rate, to bring every plan to 100% funded.
UFCW International's weakest plan still earns an A — every plan it sponsors sits in the healthiest tier of the Pension Health Score. The worst-grade signal is more useful than the average for a multi-plan sponsor — a healthy aggregate average can mask a single critically underfunded legacy plan inherited through acquisition. Participants in a specific plan should look at that plan's individual page rather than the company-level average.
UFCW International is required under ERISA to file Form 5500 annually for each plan, with Schedule SB disclosing the actuarial valuation, funding target, and minimum required contribution. Schedule SB filings are publicly available through DOL EBSA. The Pension Benefit Guaranty Corporation separately publishes the federal guarantee that backstops these single-employer defined-benefit plans up to the statutory annual maximum.
Plans Sponsored by UFCW International
| Plan Name | Type | Participants | Funding Ratio | Grade |
|---|---|---|---|---|
| UFCW International Union Industry Pension Fund | multiemployer | 365,494 | 85.9% | A |
How This Grade Is Calculated
Each plan's Pension Health Score combines three signals: funding ratio (50% of the composite), 3-year funding trend (30%), and PBGC risk level (20%). All three come directly from DOL Form 5500 filings and PBGC publications. The company-level "worst grade" surfaces the weakest plan in the sponsor's pension footprint — a useful signal for participants because legacy plans inherited through M&A often differ materially from the sponsor's active plans. Read the full methodology.
Frequently Asked Questions
How well-funded are UFCW International's pension plans?
UFCW International's 1 pension plan is on average 85.9% funded. Well funded status means the plans hold within the actuarially acceptable range. Total assets stand at $5.2B against $6.0B in accrued liabilities, leaving an unfunded gap of $848.9M.
Is UFCW International's pension protected by PBGC?
Corporate single-employer defined-benefit plans like the ones UFCW International sponsors are insured by the Pension Benefit Guaranty Corporation up to a statutory annual maximum that varies by retirement age. PBGC publishes the current guarantee tables at pbgc.gov. Multiemployer plans, if applicable, fall under a separate PBGC insurance program with a much lower per-participant guarantee. The protection is real but capped — high earners with benefits above the PBGC maximum can lose the portion above the cap if a plan terminates underfunded.
What does the A grade mean for UFCW International?
UFCW International's weakest plan still earns an A — every plan it sponsors sits in the healthiest tier of the Pension Health Score.
How many of UFCW International's plans are underfunded?
Of 1 plan sponsored by UFCW International, 0 are fully funded (100%+) and 0 fall below the 80% actuarial benchmark. Participants in any underfunded plan should request the most recent Annual Funding Notice, which is mailed annually under ERISA Section 101(f) and discloses the plan's adjusted funding target attainment percentage.
Where does this data come from and how current is it?
Every figure on this page comes directly from the Department of Labor's EBSA Form 5500 datasets, which compile every ERISA filing submitted by U.S. corporate pension sponsors. The most recent filings reflected here are from May 2026. Form 5500 typically lags plan year-end by 9–12 months. UFCW International is classified in Labor Union.
UFCW International sponsors a single defined-benefit plan covering 365,494 active and retired participants, placing the sponsor among the larger U.S. private pension liability holders. The combined plans are well funded at 85.9% average funding ratio — within the actuarially acceptable range. Worst single-plan grade is A.