Fact-Checking Policy
Last updated: June 2026
Every number on pensionrisk.org is meant to be traceable to a primary public record. This policy describes where our facts come from and how we check them before they are published.
Primary sources only
PensionRisk builds its pages from DOL Form 5500 filings and the Boston College CRR Public Plans Database. We do not republish second-hand summaries, scraped aggregations, or unattributed figures. Each page cites the dataset it draws from and links back to the source so any reader can verify a figure independently.
No invented numbers, no synthetic data
If a value is not present in the underlying public data, it does not appear on pensionrisk.org. We never fabricate statistics to fill a gap, and we never use model-generated estimates in place of reported figures. Where the data is genuinely missing, we say so rather than guess.
How figures are verified
- Faithful processing. Data is fetched directly from the source, then transformed with documented, repeatable code — not hand-transcribed, where transcription errors would creep in.
- Source-of-truth checks. Derived values (rankings, grades, composite scores) are computed from the source fields using stated formulas, so the inputs to any number remain auditable. We combine DOL Form 5500 Schedule SB filings for private single-employer plans with the Boston College Center for Retirement Research Public Plans Database for state and local plans, computing funded ratio, amortization period, and three-year trend. The pension-health composite weights current funding ratio (50%), multi-year funding trend (30%), and PBGC risk classification (20%) into a 0-100 score that translates to an A-F letter grade.
- Sanity bounds. Cross-cutting totals and outliers are checked against known ranges to catch unit errors, duplicates, and mis-scaled values before they reach a page.
- Dating. Every dataset page carries a “Last updated” date so readers know how current a figure is.
The limits of what we check
PensionRisk verifies that our pages faithfully represent DOL Form 5500 filings and the Boston College CRR Public Plans Database. We do not independently audit the issuing agency’s collection methods, and we cannot guarantee the source itself is free of error. Source records may be incomplete, reported late, or restated after publication. We treat the primary record as authoritative and follow its corrections — always verify a consequential figure against the original source before acting on it.
Found an error?
Tell us and we will fix it. See our Corrections Policy for how to report an issue and what happens next, and our Editorial Policy for how our content is produced.