Is St. Louis Firemen fully funded?

St. Louis Firemen has a source-reconciled actuarial funded ratio of 89.6% as of FY2024, earning a health grade of B. This ratio summarizes one reported funding measure. It does not substitute for a plan's actuarial valuation, financial statements, or a review of its contribution policy.

What happens if St. Louis Firemen runs out of money?

St. Louis Firemen's reported funding data can identify questions for further research. It does not establish how a sponsor will set contributions, benefits, or revenue policy.

What does a funded ratio of 89.6% mean?

A funded ratio of 89.6% means that St. Louis Firemen reported actuarial assets equal to 89.6% of its accrued liabilities at that valuation date. The source-reported actuarial unfunded liability stands at $47M. This is considered adequately funded.

How does St. Louis Firemen compare to other public pensions?

St. Louis Firemen is a Police & Fire plan in Missouri serving 1,407 members. Nationally, the average funded ratio for public pension plans tracked by the Public Plans Database is approximately 75.5%. St. Louis Firemen's source-reconciled actuarial funded ratio of 89.6% places it above the national average, reflecting strong fiscal management.

How many members does St. Louis Firemen have?

St. Louis Firemen covers 1,407 total members, including 583 active employees and 819 retirees currently receiving benefits. The ratio of active members to retirees is a key indicator of plan sustainability, when the number of retirees grows relative to active contributors, funding pressure increases.

FY2024 source-reconciled actuarial data · Public Plans Database

St. Louis Firemen

Drawing on 23 years of Public Plans Database history (Boston College CRR), this page covers St. Louis Firemen's funded ratio, unfunded liability, member counts, and investment returns, cross-checked against actuarial valuations.

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By PlainPension · July 2026 · Missouri · Police & Fire Plan · Data through FY2024

Actuarial funded ratio: 89.6%
Health grade: BReported funded ratio above the portfolio average range
Actuarial assets: $407M
Members: 1,407

According to the Public Plans Database, compiled by the Boston College Center for Retirement Research, St. Louis Firemen is one of 197 public pension plans tracked nationwide. The plan card reports source-reconciled actuarial figures through FY2024; the multi-year table includes only years whose reported ratio ties to its actuarial dollars. This site’s database copy was last loaded in July 2026. See our methodology for the full source and update cadence.

Smaller membership book

St. Louis Firemen ranks #178 of 190 by reported members (1,407), bottom-third membership book among plans with a count.

St. Louis Firemen in the smaller-membership third

According to the Public Plans Database, St. Louis Firemen carries a bottom-third membership book (1,407, #178 of 190) with a 89.6% actuarial funded ratio (grade B).

89.6%
Funded · #50 of 192: B
Health grade: 1,407
Members · #178 of 190: -7.3pp
FY2001→FY2024

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Actuarial Unfunded Liability

$47M

Modest unfunded liability · source-reported UAAL

Total Members

1,407

active + retired + vested

1-Year Return

9.8%

Above assumed rate · net investment return

0.7pp vs 5-yr avg

5-Year Avg Return

9.1%

Above assumed rate · annualized, net of fees

B-

Composite Health Score

65/100

St. Louis Firemen

Transparent derived index from public pension-plan filings, not an official rating. A 4-dimension composite (funded ratio, contribution discipline, 5-year investment return, unfunded burden), each scored against this dataset's own percentile distribution across 197 reporting plans. Not the same as the plan's headline funded-ratio grade above. See the exact dimensions, weights, and formula.

Funded Ratio B+

89.6%

Actuarial assets as a share of liabilities

Contribution Discipline F

100.0%

Share of the actuarially required contribution actually paid

Investment Returns B

9.1%

5-year annualized investment return

Unfunded Burden B+

9.8%

Unfunded liability as a share of total obligations

How this score is calculated (benchmark table)

Dimension	P10	P25	P50	P75	P90	Weight
Funded ratio (higher = better)	57.6%	67.2%	75.0%	87.0%	97.6%	0.35
Contribution discipline (ARC) (higher = better)	88.4%	100.0%	100.0%	104.1%	122.1%	0.25
5yr investment return (higher = better)	6.4%	7.5%	8.3%	9.1%	9.9%	0.20
Unfunded burden (lower = better)	2.0%	12.7%	25.0%	33.1%	42.4%	0.20

Percentiles computed across all 197 plans in this database with a reported value for that metric (2026-09-09). A dimension a plan does not report drops out of its composite, and that weight redistributes across the dimensions it does report, so thin reporting never silently lowers a score relative to a fully-reported peer.

Participant Composition

Investment Policy Mix

What changed, FY2023 to FY2024

4.5 pts funded ratio

St. Louis Firemen's funded ratio fell 4.5 points from FY2023 to FY2024, driven by its assets, which shrank 5.8% while the accrued liability moved -1.1%.

Funded ratio

94.0% → 89.6%

Actuarial assets

$432M → $407M (-5.8%)

Accrued liability

$460M → $454M (-1.1%)

Where the 4.5-point move came from

Assets: -5.5 pts
Accrued liability: +1.0 pts

Accrued liability is the source-reported value for benefits already promised. The two contributions are the move the ratio would have made on the prior year’s liability (assets) and the remainder (liability); they sum to the total by construction. Both years shown provide source-reconciled actuarial assets and liability, so neither figure rests on a ratio published on its own. Source: Public Plans Database (Boston College CRR / NASRA), loaded July 2026. See our funding-change board for how this plan’s move compares with the rest of the dataset.

Historical Actuarial Funding

Year	Actuarial Ratio	Assets	Liabilities	UAAL	Members	ARC	1yr return
2024	89.6%	$407M	$454M	$47M	N/A	n/a	14.2%
2023	94.0%	$432M	$460M	$27M	1,407	100.0%	9.8%
2022	95.5%	$445M	$467M	$21M	1,447	100.0%	-12.2%
2021	97.2%	$457M	$470M	$13M	1,477	100.0%	27.2%
2020	95.4%	$451M	$472M	$22M	1,482	100.0%	6.5%
2019	98.8%	$469M	$475M	$6M	1,501	100.0%	7.1%
2018	103.2%	$474M	$459M	$-15M	1,542	100.0%	8.4%
2017	99.5%	$462M	$465M	$3M	1,560	100.0%	9.1%
2016	95.1%	$465M	$490M	$24M	1,571	100.0%	1.1%
2015	96.2%	$476M	$495M	$19M	1,574	100.0%	3.1%
2014	102.6%	$477M	$465M	$-12M	1,632	100.0%	13.8%
2013	100.0%	$459M	$459M	$0M	1,632	n/a	9.9%
2012	94.2%	$427M	$454M	$26M	1,648	n/a	2.6%
2011	93.8%	$404M	$431M	$27M	1,686	n/a	18.7%
2010	92.6%	$407M	$439M	$32M	1,718	n/a	11.0%
2009	92.3%	$450M	$487M	$38M	N/A	n/a	-13.0%
2008	92.8%	$485M	$523M	$38M	N/A	n/a	-2.1%
2007	92.9%	$495M	$533M	$38M	N/A	n/a	12.7%
2006	93.3%	$411M	$440M	$30M	N/A	n/a	4.9%
2005	91.0%	$391M	$430M	$39M	N/A	n/a	7.2%

What the Data Says About St. Louis Firemen

St. Louis Firemen ranks among the better-funded plans in the database, 14 points above the 75.5% national average across tracked plans. A 5-year average investment return of 9.1% factors into the plan's overall trajectory.

For Missouri taxpayers and plan members, the $47M source-reported actuarial unfunded liability is the shortfall this plan must close over time.

Where this data comes from + how funding gaps get resolved

These figures come from the Public Plans Database, a collaboration between the Boston College Center for Retirement Research and NASRA that compiles them from each plan's Comprehensive Annual Financial Reports (CAFRs) and actuarial valuations. The relationship between contribution adequacy and investment performance determines whether an unfunded liability narrows or expands year over year, and the gap itself is typically closed through some combination of higher contributions, investment returns, or benefit modifications. See our methodology for how public-pension funding differs from ERISA-backed private plans, and our disclaimer below before acting on this data.

Membership

583

Active Members

819

Retirees

1,407

Total Members

Plan Details

Plan Type: Police & Fire
State: Missouri
Market Assets: $434M

Source: Public Plans Database (PPD)
Boston College CRR / NASRA

Plans With a Similar Funded Ratio

The closest plans nationwide to St. Louis Firemen's 86.2% funded ratio.

Showing 5 of 191 plans nationwide with a reported funded ratio.

New Jersey Division of Pension and Benefits 85.9%
Fairfax County Uniformed 86.6%
Oklahoma Public Employees Retirement System 85.5%
Kansas Public Employees Retirement System 85.4%
Seattle Employees Retirement System 87.0%

Other Missouri Plans

All Missouri plans →

Read with this plan

Cite this page

PlainPension, “St. Louis Firemen: Funded Ratio, Assets, and Actuarial Data.” Compiled from the Public Plans Database (PPD), compiled by the Boston College Center for Retirement Research with MissionSquare Research Institute and NASRA; data as of FY2023 plan card; history through FY2024. https://plainpension.com/plan/st-louis-firemen

Formal citation formats (APA / MLA)

APA: PlainPension. (2023). St. Louis Firemen: Funded Ratio, Assets, and Actuarial Data. Retrieved September 23, 2026, from https://plainpension.com/plan/st-louis-firemen

MLA: "St. Louis Firemen: Funded Ratio, Assets, and Actuarial Data." PlainPension, 2023, https://plainpension.com/plan/st-louis-firemen.

You are welcome to quote these figures with attribution to PlainPension and the underlying source. The URL above is stable. See our Terms of Use for what reuse is permitted.

Every figure on PlainPension is rendered directly from the Public Plans Database (Boston College Center for Retirement Research), no number is typed in by an editor. St. Louis Firemen ranks #50 of 192 by funded ratio and #178 of 190 by membership. This information is for informational purposes only and does not constitute professional advice, consult a qualified professional before acting on it. See our editorial standards & corrections policy, the typed corrections pathway, the methodology behind these numbers, or report a data error. Data current as of July 2026.

Compiled by PlainPension · July 23, 2026