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Retirement Fund


After years of devotion to municipal service, your employees shouldn’t have to worry about what happens when they retire. That’s where our Georgia Municipal Employee Benefit System (GMEBS) Retirement Fund steps in. Created in 1965, our longstanding fund offers customized retirement coverage for more than 280 local government entities. Learn more about our retirement benefits and plan options.


GMEBS offers competitive benefits that make it a better choice than standalone commercial offerings.
  • A comprehensive, well-diversified investment portfolio that’s audited annually. Our $1.3 billion+ in assets have withstood the test of time and successfully weathered major recessions and downturns. By combining our member assets, we achieve investment economies of scale that you could not achieve alone.
  • An annual actuarial valuation to ensure you’re always able to pay benefits.
  • Individual benefit statements for each employee. We make it easy for employees to track and assess their individual retirement benefit status.
  • Complete administrative services and competitive administrative costs. By pooling together the resources of more than 280 Georgia municipalities and keeping our administration in-house, we keep costs competitively low while still offering help with plan design, implementation, and support.

Plan Options

GMA offers you a defined benefit plan that you can customize.


Once you decide on the options you want, we perform a cost study for you. Overall, your retirement plan’s cost will vary annually depending on the demographics of your employees along with some other factors. Your retirement plan’s administrative costs will vary based on your retirement plan’s complexity, the number of employees on your plan, and your total assets.

Am I Eligible?

You are eligible for the GMEBS fund if you are a:
  • Municipality
  • Municipal authority
  • Municipal commission
  • Regional commission
Eligible employees must be active, permanent, and full-time (employed at least 20 hours per week on a regular basis).
Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.


Abbeville Jeffersonville
Acworth Jesup
Adairsville Jonesboro
Adel Jonesboro Housing Authority
Alamo Kennesaw
Alma Kingsland
Americus LaFayette
Aragon LaGrange
Ashburn LaGrange Housing Authority
Attapulgus Lake City
Auburn Lake Park
Augusta Lavonia
Augusta-Richmond Cty Planning Comm. Lavonia Housing Authority
Austell Leesburg
Avondale Estates Lenox
Bainbridge Liberty Consolidated Planning Commission
Barnesville Lincolnton
Baxley Lithonia
Berlin Locust Grove
Blackshear Loganville
Blairsville Lookout Mountain
Blakely Louisville
Blakely-Early County Department of Recrecreation Lumpkin
Blue Ridge Lyons
Bowdon Madison
Bowman Manchester
Bremen Marshallville
Brooklet McDonough
Broxton McRae-Helena
Brunswick-Glynn County Joint Water and Sewer Commission Menlo
Buchanan Middle Georgia Regional Commission
Buena Vista Midville
Buford Midway
Butler Millen
Byron Milton
Cairo Monroe
Calhoun Montezuma
Camilla Monticello
Canon Morrow
Canton Mount Airy
Carnesville Mount Vernon
Carrollton Mount Vernon Housing Authority
Cave Spring Mount Zion
Cedartown Nahunta
Centerville Nashville
Chamblee Newnan
Chatsworth Nicholls
Chatsworth Water Works Commission Nicholson
Cherokee County Water and Sewerage Authority Norcross
Chester Northeast Georgia Housing Authority
Chickamauga Northeast Georgia Regional Commission
Clarkesville Northwest Georgia Regional Commission
Clarkston Oakwood
Claxton Ocilla
Clayton Housing Authority Oglethorpe
Cleveland Oxford
Coastal Regional Commission Palmetto
Cochran Patterson
College Park Pelham
Colquitt Pembroke
Comer Perry
Commerce Pine Mountain
Conyers Pooler
Conyers Housing Authority Port Wentworth
Cordele Portal
Cornelia Powder Springs
Cumming Quitman
Cuthbert Reidsville
Dacula Remerton
Dahlonega Reynolds
Dallas Riceboro
Danielsville Richmond Hill
Darien Rincon
Davisboro Roberta
Dawson Rochelle
Dawsonville Rockmart
Demorest Rome
Doerun Rome-Floyd County Recreation Authority
Donalsonville Rossville
Douglas Roswell
Douglasville Royston
Douglasville-Douglas County Water and Sewer Authority Sandersville
Dublin Senoia
Dublin-Laurens County Recreation Authority Sky Valley
Duluth Smithville
East Ellijay Smyrna
Eastman Snellville
Eatonton Social Circle
Eatonton-Putnam County Water and Sewer Authority Soperton
Elberton Southern Georgia Regional Commission
Ellaville Springfield
Ellijay St. Marys
Ellijay-Gilmer County Water and Sewer Authority Statesboro
Emerson Stockbridge
Enigma Stone Mountain
Fairburn Summerville
Fayetteville Suwanee
Fitzgerald Swainsboro
Fitzgerald Water, Light and Bond Commission Sylvania
Flint Area Consolidated Housing Authority Sylvester
Flowery Branch Tallapoosa
Forsyth Temple
Fort Oglethorpe Tennille
Fort Valley Thomaston
Fort Valley Utility Commission Thomson
Franklin Thunderbolt
Gainesville Toccoa
Garden City Towns County Water and Sewerage Authority
Unified Government of Georgetown-Quitman County Trion
Georgia Emergency Management Agency (GEMA) (1) Tybee Island
Georgia Mountains Regional Commission Tyrone
Georgia Municipal Association Unadilla Housing Authority
Gibson Union City
Glennville Union Point
Gordon Valdosta
Gray Valdosta-Lowndes County Parks and Recreation Authority
Greensboro Vidalia
Greenville Vidalia Housing Authority
Griffin Vienna
Grovetown Vienna Housing Authority
Guyton Villa Rica
Hagan Villa Rica Housing Authority
Hahira Wadley
Hampton Waleska
Harlem Walthourville
Hartwell Warm Springs
Hawkinsville Warner Robins
Hazlehurst Warrenton
Heard County Water Authority Washington
Heart of Georgia Altamaha Regional Commission Waycross
Henry County Water and Sewerage Authority Waynesboro
Hephzibah West Point
Hiawassee Whigham
Hinesville White
Hiram Whitesburg
Hogansville Willacoochee
Holly Springs Winder
Jackson Woodbine
Jackson County Water & Sewerage Authority Woodbury
Jasper Woodstock
Jasper County Joint 911 Authority Wrens
Jefferson Wrightsville
If GMA is not administering your defined benefit plan through GMEBS, call us today. You can reach out to:
  Need Service or Support?
If you’re already using this service, call (678) 686-6297 or toll-free outside the Atlanta calling area at (888) 488-4462.
  • We have more than 45 years of experience helping members like you with retirement benefits.
  • Our membership-controlled retirement fund has more than 280 members.
  • With assets in excess of $1.3 billion, our fund covers more than 38,000 municipal employees, retirees, and beneficiaries.