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PensionRisk

AT&T Pension Benefit Plan vs IBM Personal Pension Plan

Side-by-side pension health comparison from DOL and public plan data

AT&T Pension Benefit Plan (A) and IBM Personal Pension Plan (A) are close on the LakeQuality rubric. Funding ratios sit at 94% and 131% 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

IBM Personal Pension 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 37.2 percentage points (131.0% vs 93.7%). IBM Personal Pension Plan covers 140,566 participants.

MetricAT&T Pension Benefit PlanIBM Personal Pension 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%131.0%*
Total Assets$30.0B$24.4B
Total Liabilities$32.0B$18.7B*
Unfunded Liability$2.0B$0*
Participants286,355140,566
1-Year Investment Return6.9%7.6%*
Plan Typecorporatecorporate
PBGC Risk Levellowlow
SponsorAT&T Inc.IBM Corporation

IBM Personal Pension 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 37.2 percentage points (131.0% vs 93.7%). IBM Personal Pension Plan covers 140,566 participants.

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AT&T Pension Benefit Plan full profile|IBM Personal Pension Plan full profile

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