Maryland State Retirement & Pension System vs Bakery & Confectionery Union Industry International Pension Fund
Side-by-side pension health comparison from DOL and public plan data
Maryland State Retirement & Pension System and Bakery & Confectionery Union Industry International Pension Fund are meaningfully apart on the LakeQuality pension-health rubric: Maryland State Retirement & Pension System grades B while Bakery & Confectionery Union Industry International Pension Fund grades D. Funding ratios: 72% vs 42%.
Maryland State Retirement & Pension System 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
Maryland State Retirement & Pension System has a stronger Pension Health Score of 67/100 (B) compared to Bakery & Confectionery Union Industry International Pension Fund at 45/100 (D). Funding ratios differ by 30.3 percentage points (72.1% vs 41.8%). Maryland State Retirement & Pension System covers 398,000 participants.
| Metric | Maryland State Retirement & Pension System | Bakery & Confectionery Union Industry International Pension Fund |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 67/100 (B)* | 45/100 (D) |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 72.1%* | 41.8% |
| Total Assets | $61.0B | $3.0B |
| Total Liabilities | $84.6B | $7.1B* |
| Unfunded Liability | $23.6B | $4.1B* |
| Participants | 398,000 | 100,402 |
| 1-Year Investment Return | 5.8%* | 4.6% |
| Plan Type | public | multiemployer |
| PBGC Risk Level | moderate | critical |
| Sponsor | State of Maryland | BCTGM International Union |
Maryland State Retirement & Pension System has a stronger Pension Health Score of 67/100 (B) compared to Bakery & Confectionery Union Industry International Pension Fund at 45/100 (D). Funding ratios differ by 30.3 percentage points (72.1% vs 41.8%). Maryland State Retirement & Pension System covers 398,000 participants.
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