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Change the Way You Look at Defined Benefit Plans.

In an industry where confusion and skepticism run high, we’re building a refreshingly new approach—one based on innovation, understanding and transparency.

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Retirement Plans and
Client Relationships…Redefined


We design innovative solutions that fit both the urgent needs of today and the impending needs of the future.


Operating with full openness, we’re lifting the veil of mystery that shrouds the Defined Benefit landscape to give you a refreshing level of insight into your plan.


In a volatile industry, we’re building a new understanding about where the Defined Benefit market is headed and how your DB plan can evolve to deliver more.

Our Approach

Building Great Relationships

Before working with October Three, our participants received an annual statement stating their balance and that was it. Now, through the Daily platform, we are able to minimize our workload in managing the plan and our participants love the self-service capabilities it offers.

October Three works with clients of every size in nearly every industry. Our business is built on forging strong relationships and delivering value and positive results to the clients we serve.

Our Perspective

Annuity Purchase Update: April 2019 Interest Rates

April 2019 Duration: 7 Years 15 Years   7 Years 15 Years Range Rate: 2.65% – 3.20% 3.02% – 3.25% Average Rate: 2.91% 3.13% The first quarter of 2019 shows a noticeable drop in annuity purchase interest rates. However, our experiences during the first quarter have shown that insurers are pricing annuity purchases aggressively.

March 2019 Pension Finance Update

Pension finances slipped in March due to falling interest rates. Both model plans we track[1] lost ground last month: Plan A dropped more than 2% but remains up 2% for the year, while Plan B lost close to 1% but remains ahead 1% through the first three months of 2019: Assets Stocks were mixed in…

Annuity Purchase Update: March 2019 Interest Rates

March 2019 Duration: 7 Years 15 Years 7 Years 15 Years Range Rate: 2.81% – 3.5% 3.22% – 3.48% Average Rate: 3.17% 3.37% During 2018, the market experienced a favorable upward trend of rising interest rates which generally increased US defined benefit plan funding ratios. As interest rates climbed in 2018, plan liabilities dropped which…

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