Ford Motor Company Retirement Plan vs Detroit General Retirement System
Side-by-side pension health comparison from DOL and public plan data
Ford Motor Company Retirement Plan and Detroit General Retirement System are meaningfully apart on the LakeQuality pension-health rubric: Ford Motor Company Retirement Plan grades A while Detroit General Retirement System grades B. Funding ratios: 105% vs 72%.
Ford Motor Company Retirement 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
Ford Motor Company Retirement Plan has a stronger Pension Health Score of 100/100 (A) compared to Detroit General Retirement System at 71/100 (B). Funding ratios differ by 33.5 percentage points (105.3% vs 71.8%). Ford Motor Company Retirement Plan covers 141,948 participants.
| Metric | Ford Motor Company Retirement Plan | Detroit General Retirement System |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 100/100 (A)* | 71/100 (B) |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 105.3%* | 71.8% |
| Total Assets | $19.3B | $2.0B |
| Total Liabilities | $18.3B | $2.8B* |
| Unfunded Liability | $0* | $780.0M |
| Participants | 141,948 | 20,000 |
| 1-Year Investment Return | 7.5%* | 4.9% |
| Plan Type | corporate | public |
| PBGC Risk Level | low | moderate |
| Sponsor | Ford Motor Company | City of Detroit |
Ford Motor Company Retirement Plan has a stronger Pension Health Score of 100/100 (A) compared to Detroit General Retirement System at 71/100 (B). Funding ratios differ by 33.5 percentage points (105.3% vs 71.8%). Ford Motor Company Retirement Plan covers 141,948 participants.
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