Ford Motor Company Retirement Plan vs IBM Personal Pension Plan
Side-by-side pension health comparison from DOL and public plan data
Ford Motor Company Retirement Plan (A) and IBM Personal Pension Plan (A) are close on the LakeQuality rubric. Funding ratios sit at 105% 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
Ford Motor Company Retirement Plan has a stronger Pension Health Score of 100/100 (A) compared to IBM Personal Pension Plan at 100/100 (A). Funding ratios differ by 25.7 percentage points (105.3% vs 131.0%). Ford Motor Company Retirement Plan covers 141,948 participants.
| Metric | Ford Motor Company Retirement Plan | IBM Personal Pension Plan |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 100/100 (A) | 100/100 (A) |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 105.3% | 131.0%* |
| Total Assets | $19.3B | $24.4B |
| Total Liabilities | $18.3B* | $18.7B |
| Unfunded Liability | $0 | $0 |
| Participants | 141,948 | 140,566 |
| 1-Year Investment Return | 7.5% | 7.6%* |
| Plan Type | corporate | corporate |
| PBGC Risk Level | low | low |
| Sponsor | Ford Motor Company | IBM Corporation |
Ford Motor Company Retirement Plan has a stronger Pension Health Score of 100/100 (A) compared to IBM Personal Pension Plan at 100/100 (A). Funding ratios differ by 25.7 percentage points (105.3% vs 131.0%). Ford Motor Company Retirement Plan covers 141,948 participants.
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