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PensionWatch
F

Grade F Pension Plans — Critical

6 plans rated Grade F. These plans face serious solvency concerns. Benefit reductions or restructuring may be necessary.

#Plan NameTypeStateParticipantsFunding RatioUnfunded GapScore
1Central States, Southeast & Southwest Areas Pension Fund
Teamsters Central States
multiemployerIL380,00022.0%$33.7B29
2Kentucky Employees Retirement System (KERS)
State of Kentucky
publicKY142,00020.4%$28.1B32
3Chicago Municipal Employees Annuity & Benefit Fund
City of Chicago
publicIL59,00025.3%$18.0B33
4Chicago Policemen's Annuity & Benefit Fund
City of Chicago
publicIL31,00023.3%$15.8B32
5Chicago Firefighters Annuity & Benefit Fund
City of Chicago
publicIL13,50019.5%$7.8B29
6Teamsters Local 710 Pension Fund
Teamsters Local 710
multiemployerIL13,50030.1%$1.5B33

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Frequently Asked Questions

What does a Grade F pension plan mean?

A Grade F pension plan is severely underfunded with high risk of benefit cuts. The grade is based on funding ratio (50%), 3-year funding trend (30%), and PBGC risk level (20%).

How many pension plans are rated Grade F?

There are 6 pension plans currently rated Grade F in our database.

Should I be worried about a Grade F pension?

These plans face serious solvency concerns. Benefit reductions or restructuring may be necessary.