AT&T Pension Benefit Plan vs Caterpillar Inc. Retirement Income Plan
Side-by-side pension health comparison from DOL and public plan data
AT&T Pension Benefit Plan (A) and Caterpillar Inc. Retirement Income Plan (A) are close on the LakeQuality rubric. Funding ratios sit at 94% and 106% respectively — within a few points of each other.
With grades this close, the comparison turns on plan-specific factors: status (active vs frozen), participant maturity, sponsor financial health, and multi-year trajectory rather than the headline composite.
Verdict
Caterpillar Inc. Retirement Income Plan has a stronger Pension Health Score of 100/100 (A) compared to AT&T Pension Benefit Plan at 97/100 (A). Funding ratios differ by 12.5 percentage points (106.2% vs 93.7%). Caterpillar Inc. Retirement Income Plan covers 39,566 participants.
| Metric | AT&T Pension Benefit Plan | Caterpillar Inc. Retirement Income Plan |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 97/100 (A) | 100/100 (A)* |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 93.7% | 106.2%* |
| Total Assets | $30.0B | $9.8B |
| Total Liabilities | $32.0B | $9.2B* |
| Unfunded Liability | $2.0B | $0* |
| Participants | 286,355 | 39,566 |
| 1-Year Investment Return | 6.9%* | 6.7% |
| Plan Type | corporate | corporate |
| PBGC Risk Level | low | low |
| Sponsor | AT&T Inc. | Caterpillar Inc. |
Caterpillar Inc. Retirement Income Plan has a stronger Pension Health Score of 100/100 (A) compared to AT&T Pension Benefit Plan at 97/100 (A). Funding ratios differ by 12.5 percentage points (106.2% vs 93.7%). Caterpillar Inc. Retirement Income Plan covers 39,566 participants.
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