New York State Teachers Retirement System (NYSTRS) vs IBM Personal Pension Plan
Side-by-side pension health comparison from DOL and public plan data
New York State Teachers Retirement System (NYSTRS) (A) and IBM Personal Pension Plan (A) are close on the LakeQuality rubric. Funding ratios sit at 97% 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
IBM Personal Pension Plan has a stronger Pension Health Score of 100/100 (A) compared to New York State Teachers Retirement System (NYSTRS) at 82/100 (A). Funding ratios differ by 33.9 percentage points (131.0% vs 97.1%). IBM Personal Pension Plan covers 140,566 participants.
| Metric | New York State Teachers Retirement System (NYSTRS) | IBM Personal Pension Plan |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 82/100 (A) | 100/100 (A)* |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 97.1% | 131.0%* |
| Total Assets | $131.0B | $24.4B |
| Total Liabilities | $134.9B | $18.7B* |
| Unfunded Liability | $3.9B | $0* |
| Participants | 433,000 | 140,566 |
| 1-Year Investment Return | 6.8% | 7.6%* |
| Plan Type | public | corporate |
| PBGC Risk Level | low | low |
| Sponsor | State of New York | IBM Corporation |
IBM Personal Pension Plan has a stronger Pension Health Score of 100/100 (A) compared to New York State Teachers Retirement System (NYSTRS) at 82/100 (A). Funding ratios differ by 33.9 percentage points (131.0% vs 97.1%). IBM Personal Pension Plan covers 140,566 participants.
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