Defined benefit (DB) pension plans are a cornerstone of retirement planning for employees, but they also pose significant financial, fiduciary and operational risks for plan sponsors. These risks include market volatility, interest rate fluctuations, longevity risk and regulatory changes. Gallagher offers comprehensive de-risking strategies to help plan sponsors manage these challenges effectively, helping to ensure the long-term sustainability of their pension obligations while aligning with organizational goals.

Four key de-risking strategies

Benefits of de-risking

  • Financial stability: Reduces volatility in funding requirements and financial statements
  • Cost management: Lowers administrative and operational costs over time
  • Regulatory compliance: Helps ensure alignment with evolving regulatory requirements
  • Stakeholder confidence: Builds confidence among employees, retirees and shareholders by demonstrating proactive risk management

Why Gallagher?

Our team combines deep actuarial knowledge and investment experience to deliver tailored de-risking solutions for DB pension plans and craft customized strategies that align with your organization's objectives. We collaborate with you to help mitigate risks, optimize funding and help ensure the long-term sustainability of your pension plan.

Resources

Pension risk transfer (PRT): What plan sponsors need to know webinar series

What does a prudent PRT decision-making process look like today? That's exactly what we cover in our three-part video series focused on pension risk transfer strategy for plan fiduciaries.

Topics include:

  • Fiduciary process and governance considerations
  • Insurer evaluation and transaction strategy (DOL 95-1)
  • Managing conflicts of interest with an independent fiduciary

Watch Webinars

Check out our additional defined benefit pension plan de-risking resources

Disclaimer

This material was created to provide information on the subjects covered, but should not be regarded as a complete analysis of these subjects. The information provided cannot take into account all the various factors that may affect your particular situation. The services of an appropriate professional should be sought regarding before acting upon any information or recommendation contained herein to discuss the suitability of the information/recommendation for your specific situation.

Investment advisory services are offered by Gallagher Fiduciary Advisors, LLC ("GFA"), an SEC registered investment advisor that provides retirement, investment advisory, discretionary and independent fiduciary services. Registration as an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the SEC. GFA is a limited liability company with Gallagher Benefit Services, Inc. as its single member. GFA may pay referral fees or other remuneration to employees of Arthur J. Gallagher & Co. or its affiliates or to independent contractors; such payments do not change our fee. Neither Arthur J. Gallagher & Co., GFA, their affiliates nor representatives provide accounting, legal or tax advice.

Consulting and insurance brokerage services to be provided by Gallagher Benefits Services, Inc. and/or its affiliate Gallagher Benefit Services (Canada) Group Inc. Gallagher Benefit Services, Inc. is a licensed insurance agency that does business in California as "Gallagher Benefit Services of California Insurance Services" and in Massachusetts as "Gallagher Benefit Insurance Services." Neither Arthur J. Gallagher & Co., nor its affiliates provide accounting, legal or tax advice.

As a Registered Investment Advisor, Gallagher Fiduciary Advisors, LLC is required to file Form ADV Part I and Part 2A with the SEC. Part 2A of Form ADV contains information about our business operations for the use of clients. A copy of the Form ADV Part 2A can be requested by contacting the Gallagher Fiduciary Advisors, LLC Compliance Department.

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