This document provides key questions for maximizing a defined benefit plan. It asks about how interest rates affect plan costs and liabilities, the organization's funding policy, the relationship between funding ratios and investment strategy, whether the investment strategy aligns plan assets with future benefits, the potential impact of increased lifespans on costs, managing PBGC premium costs, making administration more efficient, outsourcing fiduciary responsibility, reducing funding volatility and required contributions through investment strategy, and considering de-risking strategies like annuitization and lump sum windows.

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Maximize Your Defined Benefit Plan With
These Key Questions:
How do
interest rates
affect plan costs
and liabilities?
What is your
organization’s
funding policy?
What is the
relationship
between funding
ratios and
investment
strategy?
Does
your investment
strategy closely
align plan assets
with future benefit
liabilities?
What is the
potential impact
of increasing
lifespans on plan
costs?
How can you
better manage and
reduce PBGC
premium costs?
How can you make
DB administration
more efficient?
Have you
considered
outsourcing
fiduciary
responsibility for
your plan?
Is your
investment
strategy specifically
designed to reduce
funding volatility and
required pension
contributions?
Have you
considered
De-Risking strategies
such as annuitization,
lump sum windows
and asset
management?