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DB Pension Plan
Guaranteed Retirement Income & Peace of Mind

Provide employees with guaranteed retirement income based on salary and years of service.

What is a DB Pension Plan?

DB plans provide employees with a guaranteed retirement income, typically based on salary and years of service. While they require more oversight and long-term funding, they deliver peace of mind and strong retirement security.

We work with actuaries and pension consultants to ensure your plan is compliant, well-managed, and sustainable over the long run. This is the gold standard of retirement benefits, offering employees the ultimate in retirement security.

Guaranteed Income

Predictable retirement income for life

Professional Management

Expert actuarial and investment oversight

Long-term Sustainability

Carefully managed for generational success

Secure Retirement

Guaranteed Benefits

Formula-Based

Income based on salary and years of service

Lifetime Income

Payments continue for life

Inflation Protection

Optional cost-of-living adjustments

Professional Administration

Actuarial Support

Expert actuarial valuation and consulting

Regulatory Compliance

Full compliance with pension legislation

Investment Management

Professional portfolio management

Employee Security

Peace of Mind

Employees know exactly what to expect

Survivor Benefits

Protection for spouses and dependents

Premium Benefit

The gold standard of retirement benefits

How DB Pensions Work

A formula-based approach to retirement income

1

Years of Service

Employee accumulates credited service years

2

Salary History

Plan tracks qualifying earnings over career

3

Benefit Formula

Calculate pension using predetermined formula

4

Lifetime Payments

Receive guaranteed monthly income for life

Example Benefit Formula

Annual Pension = 2% × Years of Service × Average Salary

Based on best 5 consecutive years of earnings

Example: Employee with 25 years of service and $80,000 average salary

Annual Pension: 2% × 25 × $80,000 = $40,000/year

DB vs DC Pension Plans

Risk and Certainty

DB Plan

  • • Employer bears investment risk
  • • Guaranteed income amount
  • • Predictable retirement planning

DC Plan

  • • Employee bears investment risk
  • • Variable income based on performance
  • • Uncertain retirement outcome

Funding and Costs

DB Plan

  • • Variable employer contributions
  • • Actuarial funding requirements
  • • Long-term funding commitments

DC Plan

  • • Fixed employer contributions
  • • Predictable annual costs
  • • No ongoing funding liability

Is DB Right for You?

Established Organizations

Companies with stable revenue and long-term outlook who can commit to ongoing funding obligations.

Employee-Centric Culture

Organizations that prioritize employee welfare and want to provide maximum retirement security.

Competitive Advantage

Companies wanting to differentiate themselves with premium benefits in competitive industries.

Comprehensive DB Plan Support

Expert guidance every step of the way

Actuarial Services

Professional actuarial valuations, funding studies, and compliance reporting

Investment Management

Professional investment oversight and portfolio management for plan assets

Plan Administration

Complete recordkeeping, benefit calculations, and regulatory compliance

Provide Ultimate Retirement Security

Offer your employees the gold standard of retirement benefits with a DB pension plan.

Explore DB Pension Call: 1-888-676-4689