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State ORP plan

Plan details

Welcome to your State Optional Retirement Plan (ORP). Click below to view the features and highlights of your employer's retirement plan. 

The plan highlights are only a brief overview of the plan's features and are not a legally binding document. The information in this section does not modify the terms of the plan and in the event of a conflict, the terms of the plan control.

Take advantage today

Newly hired eligible faculty and principal administrators have 60 days from their date of employment to enroll in the ORP. Failure to enroll in the ORP within 60 days of employment will result in automatic enrollment in the Teachers Retirement System (TRS).

Starting early has its advantages

Your contributions

AIG Retirement Services allows unrestricted variable option transfers to or from the other approved ORP companies at no charge. You may transfer up to 20% of the accumulated value of your fixed account each contract year.

How does the University System of Georgia contribute to the ORP?

The ORP also provides for each member institution of The University System of Georgia to make contributions. 

Employee and employer contribution percentages are set by the ORP. Currently, your employer contributes an amount equal to 9.24% of your compensation each payroll date when you make a pre-tax contribution of 6% of your compensation. 

Participant directed investments

You decide how to invest your ORP account, selecting from investment choices provided under the ORP, as determined by the University System of Georgia. You can change your investment choices anytime.


You are at all times fully vested in your ORP account.

Accessing your money before retirement


Money can be withdrawn from the Plan in these events: 

  • Your death.

  • Separation from service.

  • Deferring distributions until a later date (but no later than attainment of age 70½), allowing your account to continue to grow tax deferred.

Income taxes are payable upon withdrawal and federal restrictions and a 10% federal tax may apply to early withdrawals. Be sure to talk with your tax advisor before withdrawing any money from your Plan account.

An array of investment choices

The mutual funds available in your retirement plan will help provide you with the flexibility you need to create a suitably diversified portfolio that matches your personal retirement time horizon, investment risk tolerance and investment preferences. 

View the entire list of funds and their historical performance available to the University System of Georgia ORP plan participants.  

To view or print a prospectus, access “Prospectuses and Other Important Materials”. The prospectus contains the investment objectives, risks, charges, expenses and other information about the respective investment companies that you should consider carefully before investing. Please read the prospectus carefully before investing or sending money. You can also request a copy by calling 1-800-428-2542.