Michigan Public School Employees Retirement System (MPSERS) vs Ford Motor Company Retirement Plan
Side-by-side pension health comparison from DOL and public plan data
Michigan Public School Employees Retirement System (MPSERS) and Ford Motor Company Retirement Plan are meaningfully apart on the LakeQuality pension-health rubric: Michigan Public School Employees Retirement System (MPSERS) grades C while Ford Motor Company Retirement Plan grades A. Funding ratios: 60% vs 105%.
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 Michigan Public School Employees Retirement System (MPSERS) at 56/100 (C). Funding ratios differ by 44.9 percentage points (105.3% vs 60.4%). Ford Motor Company Retirement Plan covers 141,948 participants.
| Metric | Michigan Public School Employees Retirement System (MPSERS) | Ford Motor Company Retirement Plan |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 56/100 (C) | 100/100 (A)* |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 60.4% | 105.3%* |
| Total Assets | $54.0B | $19.3B |
| Total Liabilities | $89.4B | $18.3B* |
| Unfunded Liability | $35.4B | $0* |
| Participants | 465,000 | 141,948 |
| 1-Year Investment Return | 5.3% | 7.5%* |
| Plan Type | public | corporate |
| PBGC Risk Level | high | low |
| Sponsor | State of Michigan | Ford Motor Company |
Ford Motor Company Retirement Plan has a stronger Pension Health Score of 100/100 (A) compared to Michigan Public School Employees Retirement System (MPSERS) at 56/100 (C). Funding ratios differ by 44.9 percentage points (105.3% vs 60.4%). Ford Motor Company Retirement Plan covers 141,948 participants.
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