Defined Benefit plans remain a SIGNIFICANT SOURCE of retirement income for many Americans.  Estimating pension benefit obligations remains a SIGNIFICANT RISK to many plan sponsors.

Plan Design Optimization

What is the funding status of your DB plan? Do you know how changing mortality rates will affect your expenses? Is now the right time to freeze or terminate your plan? These are just a few of the questions Lockton can help you address through strategies for risk transfer, plan design, and fiduciary process.

Let our national pool of experienced professionals help you stay on top of fiduciary, legislative, and regulatory issues that can affect your plan.

Insights

Is a Cash Balance Plan Right for You?

Small professional firms are embracing this plan design, which combines features of defined benefit and defined contribution plans. Lockton’s Senior ERISA Counsel, Sam Henson, weighs in.

Pension De-Risking: 5 Reasons To Do It Now

Recently increased financial and regulatory risk only adds to the complexity of plan administration and oversight. Consider these cost-effective opportunities to mitigate that risk and proactively manage your plan. 

Mortality Rates Hold Steady

Consulting Actuary Pam Devling discusses how mortality rates affect plan liabilities and reminds sponsors to review the three levers of plan management: investments, funding, and benefit policies.

Investment Consulting

Liability driven investing is just one approach to removing risk from your defined benefit plan.  Whether your focus is managing exposure or strategically designing a glide path, Lockton’s investment management experts can help.  They employ proprietary systems to analyze your investment lineup:

  • Investment policy
  • Manager selection
  • Investment monitoring
  • Market and economic analysis

A proprietary investment database providing customized investment analysis, selection and monitoring.

Case Study

DB Plan Termination: Eliminating risk and expense while maintaining employee engagement.

Communication & Education

Do your employees appreciate the rarity of their existing DB plan? Would you like help explaining changes or plan terminations? Lockton communication strategies can help.

Contact Us

When you are ready to talk, call us at 816-960-9000, or get in touch online. We will quickly connect you with the nearest Advisor so you can get the help you need, right away.

Find an advisor near you.

Disclosures

Securities offered through Lockton Financial Advisors, LLC a registered broker-dealer and member FINRA, SIPC. Investment advisory services offered through Lockton Investment Advisors, LLC, a SEC registered investment advisor. For California, Lockton Financial Advisors, LLC, d.b.a. Lockton Insurance Services, LLC, license number 0G13569.

Discover more Insights & Publications  |  Read more in the Lockton Newsroom  |  See our Client Stories
Discover more Insights & Publications
Read more in the Lockton Newsroom
See our Client Stories