NYC Teachers Retirement System (TRS) vs IBM Personal Pension Plan
Side-by-side pension health comparison from DOL and public plan data
NYC Teachers Retirement System (TRS) and IBM Personal Pension Plan are meaningfully apart on the LakeQuality pension-health rubric: NYC Teachers Retirement System (TRS) grades B while IBM Personal Pension Plan grades A. Funding ratios: 74% vs 131%.
IBM Personal Pension 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
IBM Personal Pension Plan has a stronger Pension Health Score of 100/100 (A) compared to NYC Teachers Retirement System (TRS) at 68/100 (B). Funding ratios differ by 56.8 percentage points (131.0% vs 74.2%). IBM Personal Pension Plan covers 140,566 participants.
| Metric | NYC Teachers Retirement System (TRS) | IBM Personal Pension Plan |
|---|---|---|
| Health Score Composite of funding ratio, trend, and PBGC risk | 68/100 (B) | 100/100 (A)* |
| Funding Ratio Assets as % of liabilities (100%+ is fully funded) | 74.2% | 131.0%* |
| Total Assets | $92.0B | $24.4B |
| Total Liabilities | $124.0B | $18.7B* |
| Unfunded Liability | $32.0B | $0* |
| Participants | 225,000 | 140,566 |
| 1-Year Investment Return | 5.4% | 7.6%* |
| Plan Type | public | corporate |
| PBGC Risk Level | moderate | low |
| Sponsor | New York City | IBM Corporation |
IBM Personal Pension Plan has a stronger Pension Health Score of 100/100 (A) compared to NYC Teachers Retirement System (TRS) at 68/100 (B). Funding ratios differ by 56.8 percentage points (131.0% vs 74.2%). IBM Personal Pension Plan covers 140,566 participants.
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