The Retirement Security Report Teacher Edition analyzes the state of teacher retirement benefits in the United States. While the omnibus report highlights some of the best and worst performing plans using Equable’s Retirement Benefits Score methodology, readers may be interested in diving deeper in accessing the full set of scores to determine how specific states and plan types stack up for America’s teachers.
The searchable and sortable table provides the Retirement Benefits Scores for each of 316 retirement plans offered to teachers and non-instructional staff by worker tenure that are included in the report. Detailed teacher retirement plan scores for each plan can also be accessed in our interactive tool here.
Retirement Security Report Teacher Plan Retirement Benefit Scores
| State | Plan Name | Class Name | Plan Type | Social Security Enrollment | Status: Legacy Plan or Open to New Hires | Overall Retirement Benefits Score | Short-Term Teacher Score | Medium-Term Worker Score | Full Career Teacher Score |
|---|---|---|---|---|---|---|---|---|---|
| Alabama | Alabama Teachers’ Retirement System | AL TRS Tier 1 | traditional pension plan | required | Legacy Plan | 53.2% | 33.0% | 51.3% | 75.2% |
| Alabama | Alabama Teachers’ Retirement System | AL TRS Tier 2 | traditional pension plan | required | Open to New Hires | 49.1% | 32.8% | 41.1% | 73.4% |
| Alaska | Alaska Teachers’ Retirement System – Defined Contribution Retirement Plan | AK TRS DC | defined contribution plan | not available | Open to New Hires | 70.3% | 55.7% | 59.7% | 95.5% |
| Alaska | Alaska Public Employees’ Retirement System – Defined Benefit Plan Noncertificated School District Employees Tier 2 | AK PERS Noncertificated School District Employees Tier 2 | traditional pension plan | not available | Legacy Plan | 56.5% | 43.8% | 55.9% | 69.8% |
| Alaska | Alaska Public Employees’ Retirement System – Defined Benefit Plan Noncertificated School District Employees Tier 3 | AK PERS Noncertificated School District Employees Tier 3 | traditional pension plan | not available | Legacy Plan | 56.5% | 43.8% | 55.9% | 69.8% |
| Alaska | Alaska Public Employees’ Retirement System – Defined Benefit Plan Noncertificated School District Employees Tier 1 | AK PERS Noncertificated School District Employees Tier 1 | traditional pension plan | not available | Legacy Plan | 53.6% | 44.5% | 56.8% | 59.6% |
| Alaska | Alaska Teachers’ Retirement System – Defined Benefit Plan | AK TRS DB Tier 2 | traditional pension plan | not available | Legacy Plan | 52.1% | 35.3% | 58.4% | 62.6% |
| Alaska | Alaska Teachers’ Retirement System – Defined Benefit Plan | AK TRS DB Tier 1 | traditional pension plan | not available | Legacy Plan | 51.9% | 35.6% | 56.2% | 63.9% |
| Arizona | Arizona State Retirement System | AZ SRS Teachers Post-2013 | traditional pension plan | required | Open to New Hires | 59.8% | 45.1% | 47.7% | 86.7% |
| Arizona | Arizona State Retirement System | AZ SRS Teachers Pre-2013 | traditional pension plan | required | Legacy Plan | 59.6% | 44.6% | 47.6% | 86.7% |
| Arizona | Arizona State Retirement System | AZ SRS Teachers Pre-1984 | traditional pension plan | required | Legacy Plan | 59.6% | 44.6% | 47.6% | 86.7% |
| Arizona | Arizona State Retirement System | AZ SRS Teachers Pre-2011 | traditional pension plan | required | Legacy Plan | 59.6% | 44.6% | 47.6% | 86.7% |
| Arkansas | Arkansas Teacher Retirement System | AR TRS Non-Instructional | traditional pension plan | required | Open to New Hires | 68.6% | 37.8% | 68.0% | 100.0% |
| Arkansas | Arkansas Teacher Retirement System | AR TRS Teachers | traditional pension plan | required | Open to New Hires | 68.6% | 37.8% | 68.0% | 100.0% |
| California | California Public Employees Retirement Fund | CalPERS Safety Public Agency Schools | traditional pension plan | mixed | Open to New Hires | 75.8% | 60.6% | 79.0% | 87.9% |
| California | California State Teachers’ Retirement System | CalSTRS PEPRA | traditional pension plan | not available | Open to New Hires | 58.3% | 38.6% | 56.3% | 80.0% |
| California | California State Teachers’ Retirement System | CalSTRS Classic – 2% at 62 | traditional pension plan | not available | Legacy Plan | 53.5% | 37.5% | 53.0% | 70.1% |
| California | California State Teachers’ Retirement System | CalSTRS Classic – 2% at 60 | traditional pension plan | not available | Legacy Plan | 53.1% | 32.8% | 50.0% | 76.3% |
| California | California Public Employees Retirement Fund | CalPERS Schools PEPRA | traditional pension plan | mixed | Open to New Hires | 50.9% | 41.5% | 55.2% | 56.1% |
| California | California Public Employees Retirement Fund | CalPERS Schools Classic | traditional pension plan | mixed | Open to New Hires | 50.5% | 42.1% | 55.3% | 54.0% |
| California | California Public Employees Retirement Fund – Tier 1 | CalPERS Schools Tier 1 Pre-2011 | traditional pension plan | mixed | Legacy Plan | 50.2% | 41.3% | 54.3% | 54.9% |
| California | California Public Employees Retirement Fund – Tier 1 | CalPERS Schools Tier 1 Pre-2013 | traditional pension plan | mixed | Legacy Plan | 50.2% | 41.3% | 54.3% | 54.9% |
| California | California State Teachers’ Retirement System | CalSTRS GR Option | guaranteed return plan | not available | Open to New Hires | 44.2% | 49.5% | 50.3% | 32.7% |
| Colorado | Colorado Public Employee Retirement Association – Schools Division Fund | CO PERA Schools Division Tier 6 | traditional pension plan | not available | Open to New Hires | 59.0% | 40.2% | 51.4% | 85.3% |
| Colorado | Colorado Public Employee Retirement Association – Denver Public Schools Fund | CO PERA Denver Schools Tier 6 | traditional pension plan | not available | Open to New Hires | 56.9% | 34.3% | 44.9% | 91.4% |
| Colorado | Colorado Public Employee Retirement Association – Schools Division Fund | CO PERA Schools Division Tier 5 | traditional pension plan | not available | Legacy Plan | 54.3% | 33.7% | 43.4% | 85.7% |
| Colorado | Colorado Public Employee Retirement Association – Schools Division Fund | CO PERA Schools Division Tier 4 | traditional pension plan | not available | Legacy Plan | 54.3% | 33.5% | 43.9% | 85.3% |
| Colorado | Colorado Public Employee Retirement Association – Denver Public Schools Fund | CO PERA Denver Schools Tier 3 | traditional pension plan | not available | Legacy Plan | 53.8% | 33.8% | 44.8% | 82.7% |
| Colorado | Colorado Public Employee Retirement Association – Denver Public Schools Fund | CO PERA Denver Schools Tier 5 | traditional pension plan | not available | Legacy Plan | 53.8% | 33.8% | 44.8% | 82.7% |
| Colorado | Colorado Public Employee Retirement Association – Denver Public Schools Fund | CO PERA Denver Schools Tier 4 | traditional pension plan | not available | Legacy Plan | 53.8% | 33.8% | 44.8% | 82.7% |
| Colorado | Colorado Public Employee Retirement Association – Schools Division Fund | CO PERA Schools Division Tier 3 | traditional pension plan | not available | Legacy Plan | 53.5% | 33.3% | 44.5% | 82.7% |
| Colorado | Colorado Public Employee Retirement Association – Denver Public Schools Fund | CO PERA Denver Schools Tier 2 | traditional pension plan | not available | Legacy Plan | 52.4% | 33.8% | 47.5% | 76.0% |
| Colorado | Colorado Public Employee Retirement Association – Denver Public Schools Fund | CO PERA Denver Schools Tier 1 | traditional pension plan | not available | Legacy Plan | 52.4% | 33.8% | 47.5% | 76.0% |
| Colorado | Colorado Public Employee Retirement Association – Schools Division Fund | CO PERA Schools Division Tier 1 | traditional pension plan | not available | Legacy Plan | 52.3% | 33.5% | 47.3% | 76.1% |
| Colorado | Colorado Public Employee Retirement Association – Schools Division Fund | CO PERA Schools Division Tier 2 | traditional pension plan | not available | Legacy Plan | 52.2% | 33.5% | 47.3% | 75.9% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – HESP | traditional pension plan | required | Open to New Hires | 64.1% | 42.6% | 56.4% | 93.3% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – HSSSA | traditional pension plan | required | Open to New Hires | 62.4% | 44.1% | 56.4% | 86.7% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – HFSHP | traditional pension plan | required | Open to New Hires | 60.4% | 31.5% | 56.4% | 93.3% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – Non-bargaining | traditional pension plan | required | Open to New Hires | 57.2% | 37.0% | 49.2% | 85.3% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – L818 Pre-2007 | traditional pension plan | required | Open to New Hires | 56.4% | 23.6% | 63.7% | 81.9% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – L2221 | traditional pension plan | required | Open to New Hires | 55.2% | 22.5% | 56.4% | 86.7% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – L818 Post-2007 | traditional pension plan | required | Open to New Hires | 54.5% | 27.0% | 50.3% | 86.3% |
| Connecticut | Connecticut State Teachers’ Retirement System | CT STRS Post-2018 | traditional pension plan | not available | Open to New Hires | 53.8% | 26.5% | 55.5% | 79.5% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – Paraprof | traditional pension plan | required | Open to New Hires | 53.0% | 22.5% | 50.3% | 86.3% |
| Connecticut | Hartford Municipal Employees’ Retirement Fund | CT Hartford Ed Board – General | traditional pension plan | required | Open to New Hires | 52.4% | 22.5% | 49.2% | 85.3% |
| Connecticut | Connecticut Teachers Retirement System | CT STRS Pre-1992 | traditional pension plan | not available | Legacy Plan | 47.4% | 26.5% | 50.7% | 65.0% |
| Connecticut | Connecticut Teachers Retirement System | CT STRS Pre-2007 | traditional pension plan | not available | Legacy Plan | 47.4% | 26.5% | 50.7% | 65.0% |
| Connecticut | Connecticut Teachers Retirement System | CT STRS Pre-2018 | traditional pension plan | not available | Legacy Plan | 47.4% | 26.5% | 50.7% | 65.0% |
| Delaware | Delaware State Employees’ Pension Plan | DE SEPP Teachers Pre-2012 | traditional pension plan | required | Legacy Plan | 60.1% | 43.2% | 55.3% | 82.0% |
| Delaware | Delaware State Employees’ Pension Plan | DE SEPP Teachers Pre-1997 | traditional pension plan | required | Legacy Plan | 60.1% | 43.2% | 55.3% | 82.0% |
| Delaware | Delaware State Employees’ Pension Plan | DE SEPP Teachers Post-2012 | traditional pension plan | required | Open to New Hires | 51.8% | 24.9% | 48.6% | 82.0% |
| District of Columbia | District of Columbia Teachers’ Retirement Fund | DC TRP Pre-1996 | traditional pension plan | required | Legacy Plan | 64.4% | 31.5% | 63.3% | 98.3% |
| District of Columbia | District of Columbia Teachers’ Retirement Fund | DC TRP Post-1996 | traditional pension plan | required | Open to New Hires | 60.9% | 36.2% | 53.3% | 93.3% |
| Florida | FRS Investment Plan | FL RS DC Plan Regular K-12 | defined contribution plan | required | Open to New Hires | 73.7% | 66.5% | 63.0% | 91.8% |
| Florida | FRS Defined Benefit Plan | FL RS Pension Regular K-12 Post-2011 | traditional pension plan | required | Open to New Hires | 36.1% | 9.3% | 15.6% | 83.3% |
| Florida | FRS Defined Benefit Plan | FL RS Pension Regular K-12 Pre-2011 | traditional pension plan | required | Legacy Plan | 32.8% | 4.0% | 20.2% | 74.1% |
| Georgia | Atlanta Board of Education Fund | GA Atlanta Ed Board – Pre-2010 WB | traditional pension plan | not available | Legacy Plan | 61.0% | 32.8% | 58.3% | 91.9% |
| Georgia | Atlanta Board of Education Fund | GA Atlanta Ed Board – Pre-2010 NB | traditional pension plan | not available | Legacy Plan | 60.6% | 32.1% | 57.9% | 91.9% |
| Georgia | Atlanta Board of Education Fund | GA Atlanta Ed Board – 2011 Tier WB | traditional pension plan | not available | Legacy Plan | 54.8% | 32.8% | 55.3% | 76.2% |
| Georgia | Atlanta Board of Education Fund | GA Atlanta Ed Board – 2011 Tier NB | traditional pension plan | not available | Legacy Plan | 54.3% | 32.1% | 54.8% | 76.2% |
| Georgia | Georgia Teachers Retirement System | GA TRS | traditional pension plan | mixed | Open to New Hires | 46.2% | 22.0% | 49.4% | 67.1% |
| Georgia | Atlanta Board of Education Fund | GA Atlanta Ed Board Post-2011 | traditional pension plan | not available | Open to New Hires | 41.0% | 29.6% | 46.5% | 47.0% |
| Hawaii | Employees’ Retirement System of the State of Hawaii | ERSHI Teachers Pre-2012 | hybrid plan | required | Legacy Plan | 79.2% | 55.2% | 82.3% | 100.0% |
| Hawaii | Employees’ Retirement System of the State of Hawaii | ERSHI Teachers Pre-1984 | traditional pension plan | required | Legacy Plan | 75.1% | 49.5% | 75.7% | 100.0% |
| Hawaii | Employees’ Retirement System of the State of Hawaii | ERSHI Teachers Pre-1971 | traditional pension plan | required | Legacy Plan | 74.7% | 49.1% | 75.0% | 100.0% |
| Hawaii | Employees’ Retirement System of the State of Hawaii | ERSHI Teachers Hybrid | hybrid plan | required | Open to New Hires | 71.0% | 41.7% | 71.5% | 100.0% |
| Hawaii | Employees’ Retirement System of the State of Hawaii | ERSHI Teachers Pre-2006 | traditional pension plan | required | Legacy Plan | 41.2% | 0.0% | 37.2% | 86.5% |
| Idaho | Public Employee Retirement System of Idaho | PERSI Teachers Pre-2019 | traditional pension plan | required | Legacy Plan | 60.7% | 35.4% | 48.4% | 98.3% |
| Idaho | Public Employee Retirement System of Idaho | PERSI Teachers Post-2019 | traditional pension plan | required | Open to New Hires | 60.6% | 34.1% | 51.0% | 96.7% |
| Illinois | Illinois State Teachers’ Retirement System | IL TRS Tier 1 | traditional pension plan | not available | Open to New Hires | 65.4% | 42.5% | 61.8% | 91.9% |
| Illinois | Illinois State Teachers’ Retirement System | IL TRS Tier 1 Pre-1998 Formula | traditional pension plan | not available | Legacy Plan | 60.6% | 41.6% | 58.1% | 82.0% |
| Illinois | Public School Teachers’ Pension and Retirement Fund of Chicago | IL Chicago Teachers Tier 1 | traditional pension plan | not available | Legacy Plan | 50.3% | 19.6% | 39.5% | 91.9% |
| Illinois | Public School Teachers’ Pension and Retirement Fund of Chicago | IL Chicago Teachers Tier 2 | traditional pension plan | not available | Open to New Hires | 49.7% | 16.8% | 37.2% | 95.0% |
| Illinois | Illinois State Teachers’ Retirement System | IL TRS Tier 2 | traditional pension plan | not available | Open to New Hires | 43.8% | 8.7% | 27.5% | 95.2% |
| Indiana | Indiana My Choice: Retirement Savings Plan | IN TRF DC | defined contribution plan | required | Open to New Hires | 61.1% | 47.1% | 50.3% | 86.0% |
| Indiana | Indiana State Teachers Retirement Fund – 1996 Account | IN TRF Pension Pre-2019 | hybrid plan | required | Legacy Plan | 54.5% | 22.9% | 52.3% | 88.3% |
| Indiana | Indiana State Teachers Retirement Fund – Pre-1996 Account | IN TRF Pre-1996 | hybrid plan | required | Legacy Plan | 54.5% | 22.9% | 52.3% | 88.3% |
| Indiana | Indiana State Teachers Retirement Fund – Hybrid Plan | IN TRF Hybrid | hybrid plan | required | Open to New Hires | 52.8% | 22.5% | 53.0% | 82.9% |
| Iowa | Iowa Public Employees’ Retirement System | IPERS Teachers Pre-2012 | traditional pension plan | required | Legacy Plan | 52.4% | 34.9% | 38.9% | 83.3% |
| Iowa | Iowa Public Employees’ Retirement System | IPERS Teachers Post-2012 | traditional pension plan | required | Open to New Hires | 49.8% | 30.1% | 42.7% | 76.5% |
| Kansas | Kansas PERS Cash Balance Plan – School Employees | KS PERS Schools Post-2015 | guaranteed return plan | required | Open to New Hires | 54.6% | 54.8% | 50.0% | 59.1% |
| Kansas | Kansas PERS Defined Benefit Plan – School Employees | KS PERS Schools Pre-2009 | traditional pension plan | required | Legacy Plan | 53.7% | 39.6% | 40.1% | 81.4% |
| Kansas | Kansas PERS Defined Benefit Plan – School Employees | KS PERS Schools Pre-1993 | traditional pension plan | required | Legacy Plan | 53.0% | 32.8% | 44.7% | 81.4% |
| Kansas | Kansas PERS Defined Benefit Plan – School Employees | KS PERS Schools Pre-2015 | traditional pension plan | required | Legacy Plan | 52.3% | 39.5% | 37.6% | 79.8% |
| Kentucky | Kentucky Teachers’ Retirement System | KY TRS Pension Pre-2008 K-12 | traditional pension plan | not available | Legacy Plan | 59.9% | 30.9% | 52.2% | 96.7% |
| Kentucky | Kentucky Teachers’ Retirement System | KY TRS Pension Pre-2002 K-12 | traditional pension plan | not available | Legacy Plan | 46.8% | 31.6% | 43.5% | 65.2% |
| Kentucky | Kentucky Teachers’ Retirement System | KY TRS Pension K-12 | traditional pension plan | not available | Legacy Plan | 46.6% | 30.2% | 39.4% | 70.0% |
| Kentucky | Kentucky Teachers’ Retirement System | KY TRS Hybrid K-12 | hybrid plan | not available | Open to New Hires | 46.1% | 34.0% | 40.9% | 63.2% |
| Louisiana | Louisiana TRS Lunch Plan B | TRSL Lunch Plan B Pre-2011 | traditional pension plan | required | Legacy Plan | 46.7% | 22.5% | 32.6% | 85.1% |
| Louisiana | Louisiana TRS Lunch Plan B | TRSL Lunch Plan B Pre-1999 | traditional pension plan | required | Legacy Plan | 46.7% | 22.5% | 32.6% | 85.1% |
| Louisiana | Louisiana TRS Lunch Plan A | TRSL Lunch Plan A | traditional pension plan | not available | Open to New Hires | 39.8% | 20.8% | 26.6% | 71.9% |
| Louisiana | Louisiana School Employees’ Retirement System | LA Schools | traditional pension plan | not available | Open to New Hires | 36.4% | 20.5% | 20.9% | 67.9% |
| Louisiana | Louisiana Teachers’ Retirement System | TRSL Teachers Pre-2011 | traditional pension plan | not available | Legacy Plan | 33.8% | 18.4% | 22.5% | 60.5% |
| Louisiana | Louisiana Teachers’ Retirement System | TRSL Teachers Post-2015 | traditional pension plan | not available | Open to New Hires | 33.8% | 19.0% | 20.8% | 61.5% |
| Louisiana | Louisiana Teachers’ Retirement System | TRSL Teachers Pre-2015 | traditional pension plan | not available | Legacy Plan | 32.9% | 18.9% | 25.9% | 54.1% |
| Louisiana | Louisiana TRS Lunch Plan B | TRSL Lunch Plan B | traditional pension plan | not available | Open to New Hires | 28.2% | 19.4% | 18.6% | 46.6% |
| Louisiana | Louisiana Teachers’ Retirement System | TRSL Teachers Pre-1999 | traditional pension plan | not available | Legacy Plan | 27.3% | 19.1% | 22.0% | 40.6% |
| Maine | Maine Public Employees Retirement System – State Employee and Teacher Program | ME PERS Teachers Post-2011 | traditional pension plan | not available | Open to New Hires | 52.3% | 31.4% | 42.2% | 83.2% |
| Maine | Maine Public Employees Retirement System – State Employee and Teacher Program | ME PERS Teachers Pre-2011 | traditional pension plan | not available | Legacy Plan | 48.9% | 30.9% | 45.8% | 69.9% |
| Maine | Maine Public Employees Retirement System – State Employee and Teacher Program | ME PERS Teachers Pre-2006 | traditional pension plan | not available | Legacy Plan | 48.1% | 31.1% | 47.4% | 65.9% |
| Maine | Maine Public Employees Retirement System – State Employee and Teacher Program | ME PERS Teachers Pre-1993 | traditional pension plan | not available | Legacy Plan | 47.9% | 31.3% | 48.6% | 63.7% |
| Maryland | Maryland State Retirement and Pension System – Teachers’ Retirement System | MD SPRS Teachers Plan B | traditional pension plan | required | Legacy Plan | 73.2% | 45.0% | 74.5% | 100.0% |
| Maryland | Maryland State Retirement and Pension System – Teachers’ Combined System | MD SPRS Teachers Alternate | traditional pension plan | required | Legacy Plan | 68.5% | 42.9% | 65.9% | 96.7% |
| Maryland | Maryland State Retirement and Pension System – Teachers’ Retirement System | MD SPRS Teachers Plan C | traditional pension plan | required | Legacy Plan | 67.3% | 40.8% | 64.4% | 96.7% |
| Maryland | Maryland State Retirement and Pension System – Teachers’ Retirement System | MD SPRS Teachers Plan A | traditional pension plan | required | Legacy Plan | 66.7% | 42.2% | 62.8% | 95.1% |
| Maryland | Maryland State Retirement and Pension System – Teachers’ Combined System | MD SPRS Teachers Reformed | traditional pension plan | required | Open to New Hires | 61.1% | 31.8% | 55.4% | 96.1% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Post-2012 | traditional pension plan | not available | Open to New Hires | 58.2% | 28.9% | 49.4% | 96.2% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Pre-2012 | traditional pension plan | not available | Legacy Plan | 58.0% | 28.0% | 51.2% | 94.9% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Pre-2001 | traditional pension plan | not available | Legacy Plan | 56.7% | 25.3% | 49.8% | 94.9% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Pre-1996 | traditional pension plan | not available | Legacy Plan | 56.1% | 24.0% | 49.3% | 94.9% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Pre-1979 | traditional pension plan | not available | Legacy Plan | 55.5% | 22.6% | 49.0% | 94.9% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Pre-1984 | traditional pension plan | not available | Legacy Plan | 55.5% | 22.6% | 49.0% | 94.9% |
| Massachusetts | Massachusetts Teachers’ Retirement System | MA TRS Pre-1975 | traditional pension plan | not available | Legacy Plan | 54.5% | 20.0% | 48.7% | 94.9% |
| Michigan | Michigan Public School Employees’ Retirement System – Defined Contribution Plan | MPSERS DC Non-Instructional | defined contribution plan | required | Open to New Hires | 75.3% | 58.3% | 67.7% | 100.0% |
| Michigan | Michigan Public School Employees’ Retirement System – Defined Contribution Plan | MPSERS DC Teachers | defined contribution plan | required | Open to New Hires | 75.3% | 58.3% | 67.7% | 100.0% |
| Michigan | Michigan Public School Employees Retirement System – Pension Plus Plan | MPSERS Pension Plus Pre-2018 | hybrid plan | required | Legacy Plan | 64.9% | 42.8% | 60.1% | 91.7% |
| Michigan | Michigan Public School Employees’ Retirement System – Pension Plus Plan 2 | MPSERS Pension Plus 2 Teachers | hybrid plan | required | Open to New Hires | 62.6% | 38.8% | 57.2% | 91.7% |
| Michigan | Michigan Public School Employees’ Retirement System – Pension Plus Plan 2 | MPSERS Pension Plus 2 Non-Instructional | hybrid plan | required | Open to New Hires | 62.6% | 38.8% | 57.2% | 91.7% |
| Michigan | Michigan Public School Employees Retirement System – Legacy Plan | MPSERS Pension Teachers MIP 7% | traditional pension plan | required | Legacy Plan | 58.1% | 42.4% | 54.9% | 77.0% |
| Michigan | Michigan Public School Employees Retirement System – Legacy Plan | MPSERS Pension Teachers MIP Plus | traditional pension plan | required | Legacy Plan | 53.3% | 41.4% | 51.5% | 67.1% |
| Michigan | Michigan Public School Employees Retirement System – Legacy Plan | MPSERS Pension Teachers MIP Graded | traditional pension plan | required | Legacy Plan | 52.6% | 39.7% | 51.2% | 67.1% |
| Michigan | Michigan Public School Employees Retirement System – Legacy Plan | MPSERS Pension Teachers MIP Fixed | traditional pension plan | required | Legacy Plan | 52.5% | 39.4% | 51.2% | 67.1% |
| Michigan | Michigan Public School Employees Retirement System – Legacy Plan | MPSERS Pension Teachers Basic 4% | traditional pension plan | required | Legacy Plan | 45.9% | 28.2% | 43.9% | 65.6% |
| Michigan | Michigan Public School Employees Retirement System – Legacy Plan | MPSERS Pension Teachers Basic | traditional pension plan | required | Legacy Plan | 39.9% | 23.3% | 40.5% | 55.9% |
| Minnesota | St. Paul Teachers Retirement Fund | MN St. Paul TRS Pre-1978 | traditional pension plan | required | Legacy Plan | 64.9% | 45.2% | 49.6% | 100.0% |
| Minnesota | Minnesota Teachers Retirement Association | MN TRA Post-1989 | traditional pension plan | required | Open to New Hires | 64.7% | 46.0% | 48.2% | 100.0% |
| Minnesota | St. Paul Teachers Retirement Fund | MN St. Paul TRS Coordinated Plan Post-1989 | traditional pension plan | required | Open to New Hires | 61.4% | 48.3% | 42.5% | 93.3% |
| Minnesota | Minnesota Teachers Retirement Association | MN TRA Coordinated Plan Pre-1989 | traditional pension plan | required | Legacy Plan | 59.8% | 38.1% | 47.9% | 93.3% |
| Minnesota | St. Paul Teachers Retirement Fund | MN St. Paul TRS Coordinated Pre-1989 | traditional pension plan | required | Legacy Plan | 59.0% | 47.7% | 42.7% | 86.7% |
| Minnesota | Minnesota Teachers Retirement Association | MN TRA Pre-1978 | traditional pension plan | not available | Legacy Plan | 49.1% | 34.5% | 44.5% | 68.4% |
| Mississippi | Public Employees’ Retirement System of Mississippi | MS PERS Teachers Pre-2007 | traditional pension plan | required | Legacy Plan | 71.0% | 42.4% | 70.5% | 100.0% |
| Mississippi | Public Employees’ Retirement System of Mississippi | MS PERS Teachers Pre-2011 | traditional pension plan | required | Legacy Plan | 68.1% | 33.8% | 70.5% | 100.0% |
| Mississippi | Public Employees’ Retirement System of Mississippi | MS PERS Teachers Post-2011 | traditional pension plan | required | Open to New Hires | 49.6% | 38.5% | 54.4% | 55.8% |
| Missouri | Missouri Public Education Employees’ Retirement System | MO PEERS Pre-2014 | traditional pension plan | required | Legacy Plan | 66.7% | 37.5% | 62.7% | 100.0% |
| Missouri | Kansas City Public School Retirement System | MO Kansas City School Plan B | traditional pension plan | required | Legacy Plan | 63.4% | 40.7% | 59.5% | 90.0% |
| Missouri | Missouri Public Education Employees’ Retirement System | MO PEERS Post-2014 | traditional pension plan | required | Open to New Hires | 61.9% | 34.3% | 54.9% | 96.7% |
| Missouri | Public School Retirement System of St. Louis | MO St. Louis School Pre-2018 | traditional pension plan | required | Legacy Plan | 60.0% | 49.3% | 48.8% | 81.9% |
| Missouri | Missouri Public School Retirement System | MO PSRS Teachers Pre-2013 | traditional pension plan | mixed | Legacy Plan | 58.8% | 35.0% | 51.5% | 90.0% |
| Missouri | Missouri Public School Retirement System | MO PSRS Teachers Post-2013 | traditional pension plan | mixed | Open to New Hires | 58.6% | 35.0% | 51.5% | 89.3% |
| Missouri | Kansas City Public School Retirement System | MO Kansas City School Plan C | traditional pension plan | required | Open to New Hires | 58.5% | 38.2% | 47.3% | 90.0% |
| Missouri | Public School Retirement System of St. Louis | MO St. Louis School Post-2018 | traditional pension plan | required | Open to New Hires | 58.0% | 49.3% | 47.3% | 77.3% |
| Missouri | Public School Retirement System of St. Louis | MO St. Louis School Pre-1999 | traditional pension plan | required | Legacy Plan | 53.5% | 50.3% | 47.1% | 63.0% |
| Missouri | Kansas City Public School Retirement System | MO Kansas City School Plan A | traditional pension plan | required | Legacy Plan | 51.2% | 34.3% | 39.2% | 80.1% |
| Montana | Montana Teachers’ Retirement System | MT TRS K-12 Pre-2013 | traditional pension plan | required | Legacy Plan | 63.8% | 46.0% | 62.0% | 83.5% |
| Montana | Montana Teachers’ Retirement System | MT TRS K-12 Post-2013 | traditional pension plan | required | Open to New Hires | 57.7% | 36.1% | 49.2% | 87.8% |
| Nebraska | Nebraska Public Employees Retirement Systems – School Employees Plan | NE PERS School Division Pre-2013 | traditional pension plan | required | Legacy Plan | 64.3% | 40.0% | 54.6% | 98.3% |
| Nebraska | Nebraska Public Employees Retirement Systems – School Employees Plan | NE PERS School Division Post-2018 | traditional pension plan | required | Open to New Hires | 62.9% | 39.2% | 55.6% | 93.8% |
| Nebraska | Nebraska Public Employees Retirement Systems – School Employees Plan | NE PERS School Division Pre-2018 | traditional pension plan | required | Legacy Plan | 61.8% | 40.0% | 51.8% | 93.8% |
| Nebraska | Nebraska Public Employees Retirement Systems – School Employees Plan | NE PERS School Division Pre-2017 | traditional pension plan | required | Legacy Plan | 61.8% | 40.0% | 51.8% | 93.8% |
| Nevada | Public Employees’ Retirement System of Nevada – Regular Subfund | NV PERS Teachers – Pre-2010 EE-EM Pay | traditional pension plan | not available | Legacy Plan | 50.2% | 25.2% | 45.6% | 79.7% |
| Nevada | Public Employees’ Retirement System of Nevada – Regular Subfund | NV PERS Teachers – EE-EM Pay Post-2015 | traditional pension plan | not available | Open to New Hires | 49.1% | 24.6% | 42.6% | 80.1% |
| Nevada | Public Employees’ Retirement System of Nevada – Regular Subfund | NV PERS Teachers – Pre-2010 EM Pay | traditional pension plan | not available | Legacy Plan | 48.2% | 19.3% | 45.6% | 79.7% |
| Nevada | Public Employees’ Retirement System of Nevada – Regular Subfund | NV PERS Teachers – Pre-2015 EE-EM Pay | traditional pension plan | not available | Legacy Plan | 48.0% | 24.4% | 41.6% | 77.9% |
| Nevada | Public Employees’ Retirement System of Nevada – Regular Subfund | NV PERS Teachers – Employer Pay Post-2015 | traditional pension plan | not available | Open to New Hires | 47.1% | 18.4% | 42.6% | 80.1% |
| Nevada | Public Employees’ Retirement System of Nevada – Regular Subfund | NV PERS Teachers – Pre-2015 EM Pay | traditional pension plan | not available | Legacy Plan | 45.9% | 18.2% | 41.6% | 77.9% |
| New Hampshire | New Hampshire Retirement System | NH RS Teachers Pre-2012 Non-Vest 65O | traditional pension plan | required | Legacy Plan | 55.6% | 30.9% | 49.3% | 86.7% |
| New Hampshire | New Hampshire Retirement System | NH RS Teachers Pre-2012 Vested U65 | traditional pension plan | required | Legacy Plan | 55.6% | 30.9% | 49.3% | 86.7% |
| New Hampshire | New Hampshire Retirement System | NH RS Teachers Pre-2012 Non-Vest U65 | traditional pension plan | required | Legacy Plan | 55.6% | 30.9% | 49.3% | 86.7% |
| New Hampshire | New Hampshire Retirement System | NH RS Teachers Pre-2012 Vested 65O | traditional pension plan | required | Legacy Plan | 55.6% | 30.9% | 49.3% | 86.7% |
| New Hampshire | New Hampshire Retirement System | NH RS Teachers Post-2012 | traditional pension plan | required | Open to New Hires | 53.1% | 30.7% | 41.8% | 86.7% |
| New Jersey | New Jersey Teachers’ Pension & Annuity Fund | NJ TPAF Post-2011 | traditional pension plan | required | Open to New Hires | 48.0% | 27.8% | 32.8% | 83.3% |
| New Jersey | New Jersey Teachers’ Pension & Annuity Fund | NJ TPAF Pre-2010 | traditional pension plan | required | Legacy Plan | 46.5% | 24.5% | 38.0% | 77.1% |
| New Jersey | New Jersey Teachers’ Pension & Annuity Fund | NJ TPAF Pre-2007 | traditional pension plan | required | Legacy Plan | 46.5% | 24.5% | 38.0% | 77.1% |
| New Jersey | New Jersey Teachers’ Pension & Annuity Fund | NJ TPAF Pre-2011 | traditional pension plan | required | Legacy Plan | 46.5% | 24.5% | 38.0% | 77.1% |
| New Jersey | New Jersey Teachers’ Pension & Annuity Fund | NJ TPAF Pre-2008 | traditional pension plan | required | Legacy Plan | 46.5% | 24.5% | 38.0% | 77.1% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Pre-2019 O2K | traditional pension plan | required | Legacy Plan | 69.0% | 43.4% | 65.1% | 98.3% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Pre-2013 O2K | traditional pension plan | required | Legacy Plan | 68.4% | 41.9% | 65.1% | 98.3% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Pre-2010 O2K | traditional pension plan | required | Legacy Plan | 68.4% | 41.9% | 65.1% | 98.3% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Pre-2013 U2K | traditional pension plan | required | Legacy Plan | 68.0% | 40.4% | 65.1% | 98.3% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Pre-2019 U2K | traditional pension plan | required | Legacy Plan | 68.0% | 40.4% | 65.1% | 98.3% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Pre-2010 U2K | traditional pension plan | required | Legacy Plan | 68.0% | 40.4% | 65.1% | 98.3% |
| New Mexico | New Mexico Educational Retirement Board | NM ERB Post-2019 | traditional pension plan | required | Open to New Hires | 65.4% | 44.1% | 53.9% | 98.3% |
| New York | New York City Teachers Retirement System | NY NYC Teachers Tier 2 | traditional pension plan | required | Legacy Plan | 75.7% | 46.3% | 80.9% | 100.0% |
| New York | New York City Teachers Retirement System | NY NYC Teachers Tier 1 | traditional pension plan | required | Legacy Plan | 75.4% | 46.9% | 80.9% | 98.3% |
| New York | New York City Teachers Retirement System | NY NYC Teachers Tier 4 | traditional pension plan | required | Legacy Plan | 74.2% | 44.6% | 78.2% | 100.0% |
| New York | New York City Teachers Retirement System | NY NYC Teachers Tier 3 | traditional pension plan | required | Legacy Plan | 74.2% | 44.6% | 78.2% | 100.0% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 1 Non-Contributory | traditional pension plan | required | Legacy Plan | 72.0% | 43.3% | 74.2% | 98.3% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 1 Career Plan | traditional pension plan | required | Legacy Plan | 71.4% | 43.3% | 74.2% | 96.7% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 2 | traditional pension plan | required | Legacy Plan | 71.3% | 42.6% | 73.1% | 98.3% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 Special Officers | traditional pension plan | required | Legacy Plan | 70.8% | 48.1% | 69.3% | 95.0% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 4 | traditional pension plan | required | Legacy Plan | 70.5% | 43.6% | 67.9% | 100.0% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 Auto Mechanics | traditional pension plan | required | Legacy Plan | 70.4% | 46.8% | 69.3% | 95.0% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 3 | traditional pension plan | required | Legacy Plan | 69.7% | 43.6% | 67.1% | 98.3% |
| New York | New York City Teachers Retirement System | NY NYC Teachers Tier 6 | traditional pension plan | required | Open to New Hires | 69.0% | 37.2% | 71.5% | 98.3% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C96 57-5 Plan | traditional pension plan | required | Legacy Plan | 69.0% | 44.1% | 66.2% | 96.7% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C96 57-5 PT Plan | traditional pension plan | required | Legacy Plan | 67.7% | 44.8% | 63.8% | 94.4% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C96 PT Plan | traditional pension plan | required | Legacy Plan | 67.7% | 44.8% | 63.8% | 94.4% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C19 57-5 Plan | traditional pension plan | required | Legacy Plan | 66.9% | 42.7% | 59.7% | 98.3% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C96 Plan | traditional pension plan | required | Legacy Plan | 66.9% | 42.9% | 61.0% | 96.7% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C19 Plan | traditional pension plan | required | Legacy Plan | 66.9% | 42.9% | 61.0% | 96.7% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 62-5 Plan | traditional pension plan | required | Legacy Plan | 66.8% | 41.5% | 60.7% | 98.3% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Special Officers | traditional pension plan | required | Open to New Hires | 66.3% | 38.3% | 67.8% | 92.7% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Auto Mechanics | traditional pension plan | required | Open to New Hires | 65.5% | 36.1% | 67.8% | 92.7% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 6 | traditional pension plan | required | Open to New Hires | 65.4% | 32.8% | 63.3% | 100.0% |
| New York | New York State Teachers’ Retirement System | NY STRS Tier 5 | traditional pension plan | required | Legacy Plan | 65.3% | 29.9% | 66.0% | 100.0% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board Pre-2012 C504 Plan | traditional pension plan | required | Legacy Plan | 64.6% | 30.0% | 67.1% | 96.7% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board 63-10 Plan | traditional pension plan | required | Open to New Hires | 62.1% | 29.4% | 58.6% | 98.3% |
| New York | New York City Board of Education Retirement System | NY NYC Ed Board | traditional pension plan | required | Open to New Hires | 62.1% | 29.4% | 58.6% | 98.3% |
| North Carolina | North Carolina Teachers’ and State Employees’ Retirement System | NC TSERS Other Education | traditional pension plan | required | Open to New Hires | 59.6% | 36.5% | 52.4% | 89.8% |
| North Carolina | North Carolina Teachers’ and State Employees’ Retirement System | NC TSERS Teachers Pre-2011 | traditional pension plan | required | Legacy Plan | 58.2% | 39.6% | 49.1% | 85.7% |
| North Carolina | North Carolina Teachers’ and State Employees’ Retirement System | NC TSERS Other Education Pre-2011 | traditional pension plan | required | Legacy Plan | 58.1% | 39.3% | 48.9% | 86.0% |
| North Carolina | North Carolina Teachers’ and State Employees’ Retirement System | NC TSERS Teachers | traditional pension plan | required | Open to New Hires | 55.9% | 25.9% | 52.5% | 89.4% |
| North Dakota | North Dakota Teachers’ Fund for Retirement | ND Teachers Pre-2008 – O55-2013 | traditional pension plan | required | Legacy Plan | 72.2% | 61.6% | 61.6% | 93.3% |
| North Dakota | North Dakota Teachers’ Fund for Retirement | ND Teachers Pre-2008 – U55-2013 | traditional pension plan | required | Legacy Plan | 72.2% | 61.6% | 61.6% | 93.3% |
| North Dakota | North Dakota Teachers’ Fund for Retirement | ND Teachers Post-2013 | traditional pension plan | required | Open to New Hires | 70.0% | 55.7% | 61.0% | 93.3% |
| Ohio | Ohio State Teachers Defined Contribution Plan | OH STRS DC | defined contribution plan | not available | Open to New Hires | 69.9% | 51.2% | 58.6% | 100.0% |
| Ohio | Ohio State Teachers Combined Plan | OH STRS Hybrid Post-2015 | hybrid plan | not available | Open to New Hires | 56.0% | 48.7% | 47.8% | 71.5% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Post-2019 | traditional pension plan | not available | Open to New Hires | 55.3% | 37.3% | 48.3% | 80.4% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Hybrid Pre-2015 | hybrid plan | not available | Legacy Plan | 52.3% | 42.5% | 42.2% | 72.2% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Pre-2026 | traditional pension plan | not available | Legacy Plan | 50.9% | 38.1% | 43.9% | 70.6% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Pre-2023 | traditional pension plan | not available | Legacy Plan | 50.5% | 37.9% | 43.6% | 69.9% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Pre-2021 | traditional pension plan | not available | Legacy Plan | 50.1% | 37.7% | 43.4% | 69.2% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Pre-2015 | traditional pension plan | not available | Legacy Plan | 50.1% | 37.5% | 44.0% | 68.6% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Pre-2019 | traditional pension plan | not available | Legacy Plan | 49.7% | 37.6% | 43.2% | 68.5% |
| Ohio | Ohio State Teachers’ Retirement System | OH STRS Pension Pre-2017 | traditional pension plan | not available | Legacy Plan | 49.4% | 37.4% | 43.1% | 67.7% |
| Ohio | Ohio School Employees Retirement System | OH SERS U25-2017 | traditional pension plan | not available | Open to New Hires | 40.9% | 8.1% | 27.6% | 87.0% |
| Ohio | Ohio School Employees Retirement System | OH SERS O25-2017 | traditional pension plan | not available | Open to New Hires | 39.4% | 7.5% | 29.0% | 81.6% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-1992 High | traditional pension plan | required | Legacy Plan | 71.9% | 65.6% | 66.7% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-1979 Low | traditional pension plan | required | Legacy Plan | 71.9% | 65.6% | 66.7% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-1992 Low | traditional pension plan | required | Legacy Plan | 71.9% | 65.6% | 66.7% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-1979 High | traditional pension plan | required | Legacy Plan | 71.9% | 65.6% | 66.7% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-1995 K-12 Low | traditional pension plan | required | Legacy Plan | 71.7% | 67.3% | 64.5% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-1995 K-12 High | traditional pension plan | required | Legacy Plan | 71.7% | 67.3% | 64.5% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Post-2011 | traditional pension plan | required | Open to New Hires | 56.4% | 43.4% | 42.5% | 83.3% |
| Oklahoma | Oklahoma Teachers’ Retirement System | OK TRS Pre-2011 K-12 | traditional pension plan | required | Legacy Plan | 56.2% | 43.0% | 42.4% | 83.3% |
| Oregon | Oregon Public Employees’ Retirement System – ORSR Plan | OR PERS School District OPSRP Hybrid | hybrid plan | required | Open to New Hires | 78.6% | 59.3% | 76.6% | 100.0% |
| Oregon | Oregon Public Employees’ Retirement System – Legacy Plan | OR PERS School District Pension Tier 2 | hybrid plan | required | Legacy Plan | 71.5% | 50.1% | 71.0% | 93.3% |
| Oregon | Oregon Public Employees’ Retirement System – Legacy Plan | OR PERS School District Pension Tier 1 | traditional pension plan | required | Legacy Plan | 65.6% | 45.6% | 63.5% | 87.8% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Defined Contribution Plan | PA PSERS DC | defined contribution plan | required | Open to New Hires | 65.1% | 55.5% | 52.9% | 87.0% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Legacy Pension Plan | PA PSERS Class T-D Pre-2001 | traditional pension plan | required | Legacy Plan | 64.3% | 41.1% | 51.9% | 100.0% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Legacy Pension Plan | PA PSERS Class T-D Pre-1983 | traditional pension plan | required | Legacy Plan | 64.0% | 40.2% | 51.8% | 100.0% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Legacy Pension Plan | PA PSERS Class T-F Pension | traditional pension plan | required | Legacy Plan | 61.3% | 33.6% | 50.2% | 100.0% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Legacy Pension Plan | PA PSERS Class T-C Pre-2001 | traditional pension plan | required | Legacy Plan | 57.6% | 39.2% | 46.9% | 86.7% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Legacy Pension Plan | PA PSERS Class T-C Pre-1983 | traditional pension plan | required | Legacy Plan | 57.0% | 38.2% | 46.1% | 86.7% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System | PA PSERS Class T-H Hybrid | hybrid plan | required | Open to New Hires | 54.9% | 37.1% | 44.2% | 83.3% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System | PA PSERS Class T-G Hybrid | hybrid plan | required | Open to New Hires | 54.9% | 36.8% | 44.5% | 83.3% |
| Pennsylvania | Pennsylvania Public School Employees’ Retirement System – Legacy Pension Plan | PA PSERS Class T-E Pension | traditional pension plan | required | Legacy Plan | 53.7% | 29.9% | 44.6% | 86.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B2 Non-SSA | hybrid plan | not available | Open to New Hires | 73.9% | 60.0% | 63.3% | 98.3% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers SSA | hybrid plan | required | Open to New Hires | 60.6% | 34.5% | 48.9% | 98.3% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B2 SSA | hybrid plan | required | Open to New Hires | 57.3% | 28.1% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Non-SSA | hybrid plan | not available | Open to New Hires | 53.6% | 28.9% | 40.2% | 91.8% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule A SSA | hybrid plan | required | Legacy Plan | 53.4% | 16.3% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule ABE SSA | hybrid plan | required | Legacy Plan | 53.4% | 16.3% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B SSA | hybrid plan | required | Legacy Plan | 53.4% | 16.3% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule ABNE SSA | hybrid plan | required | Legacy Plan | 53.4% | 16.3% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B1E SSA | hybrid plan | required | Legacy Plan | 53.4% | 16.3% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B1NE SSA | hybrid plan | required | Legacy Plan | 53.4% | 16.3% | 47.3% | 96.7% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule ABNE Non-SSA | hybrid plan | not available | Legacy Plan | 42.3% | 12.6% | 36.7% | 77.6% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B1E Non-SSA | hybrid plan | not available | Legacy Plan | 42.3% | 12.6% | 36.7% | 77.6% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule A Non-SSA | hybrid plan | not available | Legacy Plan | 42.3% | 12.6% | 36.7% | 77.6% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B1NE Non-SSA | hybrid plan | not available | Legacy Plan | 42.3% | 12.6% | 36.7% | 77.6% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule B Non-SSA | hybrid plan | not available | Legacy Plan | 42.3% | 12.6% | 36.7% | 77.6% |
| Rhode Island | Employees’ Retirement System of Rhode Island – Teachers | RI ERSRI Teachers Schedule ABE Non-SSA | hybrid plan | not available | Legacy Plan | 42.3% | 12.6% | 36.7% | 77.6% |
| South Carolina | South Carolina Optional Retirement Plan | SC RS Teachers ORP | defined contribution plan | required | Open to New Hires | 94.2% | 86.2% | 96.4% | 100.0% |
| South Carolina | South Carolina Retirement System | SC RS Teachers Pension Class 2 | traditional pension plan | required | Legacy Plan | 63.5% | 43.7% | 56.1% | 90.8% |
| South Carolina | South Carolina Retirement System | SC RS Teachers Pension Class 3 | traditional pension plan | required | Open to New Hires | 61.8% | 37.9% | 54.1% | 93.3% |
| South Dakota | South Dakota Retirement System – Generational Plan | SD RS Teachers Generational Plan | hybrid plan | required | Open to New Hires | 78.7% | 62.3% | 75.5% | 98.3% |
| South Dakota | South Dakota Retirement System – Foundation Plan | SD RS School Safety Class B – Before 2021 | traditional pension plan | required | Legacy Plan | 75.2% | 55.9% | 73.0% | 96.7% |
| South Dakota | South Dakota Retirement System – Foundation Plan | SD RS School Safety Class B – Before 2022 | traditional pension plan | required | Legacy Plan | 75.0% | 55.5% | 72.7% | 96.7% |
| South Dakota | South Dakota Retirement System – Foundation Plan | SD RS School Safety Class B – After 2022 | traditional pension plan | required | Legacy Plan | 74.4% | 54.2% | 72.4% | 96.7% |
| South Dakota | South Dakota Retirement System – Foundation Plan | SD RS Teachers Class A – Before 2021 | traditional pension plan | required | Legacy Plan | 66.2% | 45.3% | 57.1% | 96.2% |
| South Dakota | South Dakota Retirement System – Foundation Plan | SD RS Teachers Class A – Before 2022 | traditional pension plan | required | Legacy Plan | 65.9% | 45.1% | 56.7% | 95.8% |
| South Dakota | South Dakota Retirement System – Foundation Plan | SD RS Teachers Class A – After 2022 | traditional pension plan | required | Legacy Plan | 65.5% | 45.0% | 56.3% | 95.3% |
| Tennessee | Tennessee Teacher Retirement Plan | TN TRP Hybrid | hybrid plan | required | Open to New Hires | 88.2% | 77.9% | 86.7% | 100.0% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group IV Noncontributory | traditional pension plan | required | Legacy Plan | 68.5% | 31.3% | 74.3% | 100.0% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group III – Contributory | traditional pension plan | required | Legacy Plan | 65.8% | 35.6% | 63.5% | 98.3% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Prior Class B Contributory | traditional pension plan | required | Legacy Plan | 65.2% | 32.5% | 66.5% | 96.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group I – Contributory | traditional pension plan | required | Legacy Plan | 64.9% | 41.7% | 60.5% | 92.5% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Transferred Class B Contributory | traditional pension plan | required | Legacy Plan | 64.3% | 29.9% | 66.5% | 96.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group III – Noncontributory | traditional pension plan | required | Legacy Plan | 63.9% | 30.0% | 63.5% | 98.3% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group II – Contributory | traditional pension plan | required | Legacy Plan | 63.9% | 30.5% | 64.5% | 96.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group I – Noncontributory | traditional pension plan | required | Legacy Plan | 63.9% | 38.7% | 60.5% | 92.5% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Prior Class B Noncontributory | traditional pension plan | required | Legacy Plan | 63.0% | 25.9% | 66.5% | 96.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Transferred Class B Noncontributory | traditional pension plan | required | Legacy Plan | 62.2% | 23.3% | 66.5% | 96.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Group II – Noncontributory | traditional pension plan | required | Legacy Plan | 61.7% | 24.0% | 64.5% | 96.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Prior Class A Contributory | traditional pension plan | required | Legacy Plan | 51.5% | 27.2% | 54.5% | 72.7% |
| Tennessee | Tennessee Teacher Legacy Pension Plan | TN TLPP Teacher Pension Prior Class A Noncontributory | traditional pension plan | required | Legacy Plan | 50.2% | 23.3% | 54.5% | 72.7% |
| Texas | Texas Teachers Retirement System | TX TRS Tier 6 | traditional pension plan | mixed | Open to New Hires | 44.9% | 31.4% | 35.4% | 67.8% |
| Texas | Texas Teachers Retirement System | TX TRS Tier 5 | traditional pension plan | mixed | Open to New Hires | 44.3% | 31.3% | 35.0% | 66.4% |
| Texas | Texas Teachers Retirement System | TX TRS Tier 4 | traditional pension plan | mixed | Legacy Plan | 43.9% | 31.4% | 36.6% | 63.7% |
| Texas | Texas Teachers Retirement System | TX TRS Tier 3 | traditional pension plan | mixed | Legacy Plan | 43.3% | 31.3% | 36.2% | 62.5% |
| Texas | Texas Teachers Retirement System | TX TRS Tier 1 | traditional pension plan | mixed | Legacy Plan | 42.6% | 30.9% | 38.1% | 58.6% |
| Texas | Texas Teachers Retirement System | TX TRS Tier 2 | traditional pension plan | mixed | Legacy Plan | 41.9% | 30.8% | 37.6% | 57.5% |
| Utah | Utah Public Employees Contributory Retirement System – Tier 2 Hybrid Retirement System | UT Teacher Tier 2 Hybrid | hybrid plan | mixed | Open to New Hires | 67.5% | 45.6% | 60.4% | 96.7% |
| Utah | Utah Public Employees Noncontributory Retirement System | UT RS Teacher Noncontributory Pre-2011 | traditional pension plan | mixed | Legacy Plan | 55.8% | 37.5% | 52.8% | 77.2% |
| Utah | Utah Public Employees Contributory Retirement System | UT RS Teacher Contributory Pre-2011 | traditional pension plan | mixed | Legacy Plan | 55.6% | 38.9% | 52.2% | 75.6% |
| Utah | Utah Public Employees Contributory Retirement System – Tier 2 Defined Contribution Plan | UT Teacher Tier 2 DC | defined contribution plan | mixed | Open to New Hires | 41.3% | 33.7% | 34.2% | 56.1% |
| Vermont | Vermont State Teachers’ Retirement System | VT STRS Group A | traditional pension plan | required | Legacy Plan | 71.8% | 44.8% | 72.2% | 98.3% |
| Vermont | Vermont State Teachers’ Retirement System | VT STRS Group C Grandfathered | traditional pension plan | required | Legacy Plan | 71.7% | 44.5% | 72.2% | 98.3% |
| Vermont | Vermont State Teachers’ Retirement System | VT STRS Group C Current | traditional pension plan | required | Open to New Hires | 69.7% | 44.2% | 64.7% | 100.0% |
| Virginia | Virginia Teachers Division – Legacy Pension Plan | VRS Teachers Pension Pre-2014 | traditional pension plan | required | Legacy Plan | 72.3% | 45.7% | 73.0% | 98.3% |
| Virginia | Virginia Teachers Division – Legacy Pension Plan | VRS Teachers Pension Pre-2010 | traditional pension plan | required | Legacy Plan | 72.3% | 45.7% | 73.0% | 98.3% |
| Virginia | Virginia Teachers Division – Hybrid Plan | VRS Teachers Hybrid | hybrid plan | required | Open to New Hires | 70.7% | 51.5% | 62.3% | 98.3% |
| Virginia | Educational Employees’ Supplementary Retirement System of Fairfax County | VA EESRS Pre-2001 | traditional pension plan | required | Legacy Plan | 67.7% | 39.6% | 65.6% | 98.0% |
| Virginia | Educational Employees’ Supplementary Retirement System of Fairfax County | VA EESRS Pre-1988 | traditional pension plan | required | Legacy Plan | 66.9% | 38.6% | 63.5% | 98.7% |
| Virginia | Educational Employees’ Supplementary Retirement System of Fairfax County | VA EESRS Post-2001 | traditional pension plan | required | Open to New Hires | 49.7% | 36.2% | 44.1% | 68.9% |
| Virginia | Educational Employees’ Supplementary Retirement System of Fairfax County | VA EESRS Tier 1 | traditional pension plan | required | Legacy Plan | 46.2% | 36.2% | 51.0% | 51.6% |
| Washington | Washington Teachers’ Retirement System – Plan 1 | WA TRS Plan 1 Pension | traditional pension plan | required | Legacy Plan | 77.6% | 48.9% | 83.8% | 100.0% |
| Washington | Washington Teachers’ Retirement System – Plan 2 | WA TRS Plan 2 Pension | traditional pension plan | required | Open to New Hires | 74.4% | 52.2% | 71.0% | 100.0% |
| Washington | Washington Teachers’ Retirement System – Plan 3 | WA TRS Plan 3 Hybrid | hybrid plan | required | Open to New Hires | 70.4% | 40.2% | 72.6% | 98.3% |
| Washington | Washington School Employees’ Retirement System – Plan 2 | WA SERS Plan 2 Pension | traditional pension plan | required | Open to New Hires | 70.0% | 47.4% | 62.6% | 100.0% |
| Washington | Washington School Employees’ Retirement System – Plan 3 | WA SERS Plan 3 Hybrid | hybrid plan | required | Open to New Hires | 65.7% | 35.9% | 63.0% | 98.3% |
| West Virginia | West Virginia Teachers Retirement System | WV TRS Tier 1 Pre-1991 | traditional pension plan | required | Legacy Plan | 54.5% | 36.2% | 43.4% | 83.9% |
| West Virginia | West Virginia Teachers Retirement System | WV TRS Tier 1 Pre-2015 | traditional pension plan | required | Legacy Plan | 54.5% | 36.2% | 43.4% | 83.9% |
| West Virginia | West Virginia Teachers’ Retirement System | WV TRS Tier 2 Teachers | traditional pension plan | required | Open to New Hires | 50.1% | 24.8% | 42.4% | 83.2% |
| West Virginia | West Virginia Teachers’ Retirement System | WV TRS Tier 2 General | traditional pension plan | required | Open to New Hires | 48.3% | 24.1% | 40.9% | 79.9% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Terminated-1999 | traditional pension plan | required | Legacy Plan | 50.5% | 27.0% | 29.5% | 95.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Terminated-2000 | traditional pension plan | required | Legacy Plan | 50.5% | 27.0% | 29.5% | 95.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Terminated-1998 | traditional pension plan | required | Legacy Plan | 48.2% | 20.0% | 29.5% | 95.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Terminated-1990 | traditional pension plan | required | Legacy Plan | 48.2% | 20.0% | 29.5% | 95.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Terminated-1989 | traditional pension plan | required | Legacy Plan | 48.2% | 20.0% | 29.5% | 95.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Pre-2011 | traditional pension plan | required | Legacy Plan | 48.0% | 26.5% | 27.5% | 90.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Terminated-2011 | traditional pension plan | required | Legacy Plan | 48.0% | 26.5% | 27.5% | 90.0% |
| Wisconsin | Wisconsin Retirement System | WI RS Teachers Current | traditional pension plan | required | Open to New Hires | 46.1% | 19.6% | 29.7% | 89.0% |
| Wyoming | Wyoming Retirement System | WY RS Teachers Pre-2012 | traditional pension plan | required | Legacy Plan | 63.1% | 42.7% | 56.5% | 90.0% |
| Wyoming | Wyoming Retirement System | WY RS Teachers Post-2012 | traditional pension plan | required | Open to New Hires | 60.3% | 42.7% | 49.0% | 89.1% |
About the Retirement Security Report
The RSR is a universe of in-depth research, interactive tools, policy scores and other resources to shed light on the quality and value of retirement benefits for all public workers. All RSR projects are based on data from our comprehensive benefit database of retirement plans offered to public workers and use an open-source scoring methodology that accounts for three primary criteria: Eligibility, Income Adequacy (based on a 70% pre-retirement income replacement rate), and Flexibility & Mobility.