1. States
  2. /Illinois
  3. /McHenry County
  4. /Crystal Lake
MyTownView — local government intelligence platformMyTownView

Civic intelligence for your community. Every meeting. Every permit. Every decision.

Platform

Villa ParkBlogRequest Your Town

Company

AboutContactCoverage Map

Follow Us

FacebookInstagramReddit

Legal

Privacy PolicyTerms & Conditions

© 2026 JCAR Development. All rights reserved.

MyTownView
MyTownViewMyTownView
Browse TownsBlogAboutContactRequest a Town
Sign InSign Up

Showing latest fiscal year with year-over-year changes. Full pension history available with a paid plan. View plans →

Pension Funds — FY 2024i

Source

Combined Funded Ratioi

66.3%

Total Unfundedi

$61.4M

Annual Employer Costi

$5.9M

130 active / 90 retired across all fundsi

Funded Ratio Trendi

Employer Contributions Over Timei

IMRF — General Employeesi

IMRF covers non-public-safety employees (2026 rates). System-wide funded ratio: 95.8%(Well-Funded)

Employer Ratei

10.52%

Covered Payrolli

$4.9M

Employer Rate Breakdowni

Retirement Normal Costi5.3%
Funding Adjustmenti4.5%
Death Benefiti0.1%
Disabilityi0.0%
Supplemental Benefiti0.6%
Total Employer Ratei10.5%
Member (Employee) Ratei4.5%

Amortization period: 17 years remainingi

Police Pension

CRYSTAL LAKE POLICE PENSION FUND

Funded Ratioi

58.1%

Financial Position

Assets (Market)i$59.3M
Accrued Liabilityi$101.5M
Unfunded Liabilityi$42.6M

Annual Cash Flow

Employer Contributioni$3.6M
Employee Contributioni$484K
Investment Incomei$4.4M
Benefits Paidi$3.0M

Contribution Adequacy

Required: $4.0MActual: $3.6M-$393K

Investments

1-Year Returni+7.7%

Membershipi

70 active56 retired

Fire Pension

CRYSTAL LAKE FIREFIGHTERS PENSION FUND

Funded Ratioii

76.6%

Financial Position

Assets (Market)i$62.2M
Accrued Liabilityi$80.4M
Unfunded Liabilityi$18.8M

Annual Cash Flow

Employer Contributioni$2.3M
Employee Contributioni$432K
Investment Incomei$5.1M
Benefits Paidi$1.9M

Contribution Adequacy

Required: $2.4MActual: $2.3M-$141K

Investments

1-Year Returni+8.6%

Membershipi

60 active34 retired