Pension Risk Transfer
Strong aggregate funding can create an opportunity to de-risk before potential drops. Your plan’s settlement position requires its own review.
Lower discount rates can increase pension liabilities. The effect depends on the plan’s cash flows and duration.
PBGC flat-rate premiums have more than tripled since 2012.
*Published 2027 flat rate. Variable-rate premiums, if applicable, are additional: $52 per $1,000 of unfunded vested benefits, subject to applicable caps. PBGC rates.
Your obligation lasts until the last surviving spouse. That could be 2070.
Illustrative figures for a typical frozen defined benefit plan with roughly $45M in liabilities and 850 participants.
Search your company to see a snapshot of projected carrying costs and your termination readiness, built only with publicly available filing data.
Milliman 100 Pension Funding Index
As of September 30, 2026
Estimates built from public Form 5500 filings, not a quote.
Hundreds of plan terminations across our team’s collective experience. Every discipline in house, nothing outsourced.
Full standard termination of your pension plan: strategy, participant elections, insurer auction, settlement, and final filings. One team, one timeline, one clean exit.
Lump sum windows, retiree lift outs, targeted settlements, and interest rate arbitrage that cut premiums and volatility now while positioning the plan for a full exit later.
Same valuations, same certifications, same filings, every number looked at through a de-risking lens. We see plans with 1,000 participants where 800 are inactive. That doesn't happen overnight, and with us managing the plan it never will.
A quick call with the experts at Quantum can help you understand your plan's current costs and a best path forward.