IBM Personal Pension Plan
corporate plan · IBM Corporation · New York City, NY
Funding History
What This Means for You
IBM Personal Pension Plan is in excellent financial health at 92% funded. This means for every dollar the plan owes in future benefits, it has 92 cents in assets to cover it. This plan is also covered by the PBGC, providing an additional safety net. Participants in this plan have relatively low risk of benefit reductions.
Year-by-Year Funding
| Year | Assets | Liabilities | Funding Ratio | Contributions |
|---|---|---|---|---|
| 2025 | $56.1B | $61.1B | 91.8% | $4.8B |
| 2024 | $54.0B | $58.0B | 93.1% | $3.7B |
| 2023 | $52.2B | $62.4B | 83.7% | $3.8B |
| 2022 | $51.1B | $61.1B | 83.7% | $4.1B |
| 2021 | $47.0B | $52.3B | 90.0% | $4.7B |
Frequently Asked Questions
IBM Personal Pension Plan is 92% funded, meaning it has 92 cents in assets for every dollar in future benefit obligations. This is considered healthy by actuarial standards.
IBM Personal Pension Plan has 366,574 total participants, including 156,080 active employees and 210,494 retirees currently receiving benefits.
Yes, IBM Personal Pension Plan is covered by the Pension Benefit Guaranty Corporation (PBGC), which provides a backstop if the plan cannot pay benefits. The PBGC risk level is currently "low."
The Pension Health Score (0-100, A-F) measures a pension plan's financial strength based on funding ratio (50%), funding trend over 3 years (30%), and PBGC risk level (20%). Higher scores indicate more secure retirement benefits.
Pension Health Score is calculated from funding ratio, 3-year funding trend, and PBGC risk classification.