Caterpillar Inc. Retirement Income Plan vs Houston Municipal Employees Pension System
Side-by-side pension health comparison from DOL and public plan data
Caterpillar Inc. Retirement Income Plan and Houston Municipal Employees Pension System are meaningfully apart on the LakeQuality pension-health rubric: Caterpillar Inc. Retirement Income Plan grades A while Houston Municipal Employees Pension System grades C. Funding ratios: 106% vs 58%.
Caterpillar Inc. Retirement Income Plan comes out ahead on the composite rubric. For a participant in either plan, the spread is informative but not directly actionable — pension participation is not portable, so the relevant question is what each plan's funded-status trajectory means for that participant's benefit security.
Verdict
Caterpillar Inc. Retirement Income Plan has a stronger Pension Health Score of 100/100 (A) compared to Houston Municipal Employees Pension System at 55/100 (C). Funding ratios differ by 48.0 percentage points (106.2% vs 58.2%). Caterpillar Inc. Retirement Income Plan covers 39,566 participants.
| Metric | Caterpillar Inc. Retirement Income Plan | Houston Municipal Employees Pension System |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 100/100 (A)* | 55/100 (C) |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 106.2%* | 58.2% |
| Total Assets | $9.8B | $4.5B |
| Total Liabilities | $9.2B | $7.7B* |
| Unfunded Liability | $0* | $3.2B |
| Participants | 39,566 | 28,000 |
| 1-Year Investment Return | 6.7%* | 5.1% |
| Plan Type | corporate | public |
| PBGC Risk Level | low | high |
| Sponsor | Caterpillar Inc. | City of Houston |
Caterpillar Inc. Retirement Income Plan has a stronger Pension Health Score of 100/100 (A) compared to Houston Municipal Employees Pension System at 55/100 (C). Funding ratios differ by 48.0 percentage points (106.2% vs 58.2%). Caterpillar Inc. Retirement Income Plan covers 39,566 participants.
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