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

Consulting and insurance brokerage services to be provided by Gallagher Benefit 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.