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Message: <blockquote data-quote="Inthegame" data-source="post: 4775798" data-attributes="member: 37112">That's the actuarial theory (at that moment in time), and if returns match assumptions, it works and should cover retirees indefinitely.Your statement also factors in no future increases in monthly benefits for active participants (when they retire), which contradicts expectations.Remember each active employee is increasing the liability obligation on the fund as they accrue additional credits. So to keep a plan healthy, additional contributions need to be negotiated which seems to be beyond the comprehension of employers when they bargain new contracts if the plan shows high funding levels.</blockquote>