The best time in history to de‑risk a pension plan has arrived.

We invented the four month pension risk transfer process because we saw a better way to reduce fees and downside risk for plan sponsors.

What your provider won’t tell you

The best time in history to de‑risk a pension plan has arrived.

Current Market Conditions

10 Year TreasuryUST 10Y

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Daily constant maturity yield · latest yield unavailable

Pension Funded Status

109.5%

Corporate DB plans, aggregate

Insurer Capacity

All Time High

Group annuity market

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Today's risk exposure

Four risks. One balance sheet. A number on each.

Market Risk

Pension plans are seeing all time highs in funded status, making it a critical time to de-risk before potential drops.

Illustrative exposure $4.5M per 10 pt decline

Interest Rate Risk

A 100 basis point rate drop adds millions to your liability overnight.

Illustrative exposure $4.5M to $6.8M per 100 bps

Legislative Risk

PBGC premiums continue to increase, jumping 203% since 2013.

Illustrative exposure $90,100 per year, 850 lives

Longevity Risk

Your obligation lasts until the last surviving spouse. That could be 2070.

Illustrative exposure $450K per year of improvement

Illustrative figures for a typical frozen defined benefit plan with roughly $45M in liabilities and 850 participants.

Each of these risks is quantifiable. Each of them is transferable.

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Plan at a glance

See what your plan costs to keep.

Search your company to see a snapshot of projected carrying costs and your termination readiness, built only with publicly available filing data.

QPS Plan at a Glance · 45,000+ plans indexed Live

Search any company. I will read its pension plan from public filings.

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Estimates built from public Form 5500 filings, not a quote.

How we work

Wherever your plan stands, we can help.

Hundreds of terminations since 2015. Every discipline in house, nothing outsourced.

Plan Termination

We built the most efficient approach to termination in the industry.

Full standard termination of your pension plan: strategy, participant elections, insurer auction, settlement, and final filings. One team, one timeline, one clean exit.

Custom De‑risking Strategies

Not ready to terminate? We shrink your plan strategically.

Lump sum windows, retiree lift outs, targeted settlements, and interest rate arbitrage that cut premiums and volatility now while positioning the plan for a full exit later.

Cut Ongoing Actuarial Services in Half

Everything your current actuary does. At half the cost.

Same valuations, same certifications, same filings, every number looked at through a de-risking lens. We see plans with 1,000 participants where 800 are inactive. That doesn't happen overnight, and with us managing the plan it never will. Modern technology lets us do the work at a fraction of what you're paying today.