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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).

If GMA is not administering your defined benefit plan through GMEBS, call us today. You can reach out to Michelle Warner at (678) 686-6214 or Randy Briskin at (678) 686-6257. You may call toll-free at (888) 488-4462.
Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.


Abbeville Jesup
Acworth Jesup-Wayne County EMA
Adairsville Jonesboro
Adel Jonesboro Housing Authority
Alamo Kennesaw
Alma Kingsland
Americus LaFayette
Aragon LaGrange
Ashburn LaGrange Housing Authority
Atlanta Fulton County Emergency Management Agency LaGrange-Troupe County EMA
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
Bainbridge Decatur County Recreation Authority Lincolnton
Bainbridge-Decatur County EMA Lithonia
Ball Ground Locust Grove
Barnesville Loganville
Barrow County Emergency Services Lookout Mountain
Baxley Louisville
Berlin Lovejoy
Blackshear Lumpkin
Blairsville Lyons
Blakely Madison
Blakely Early County Emergency Management Agency Manchester
Blakely-Early County Department of Recrecreation Marshallville
Blue Ridge McDonough
Bowdon McRae-Helena
Bowman Menlo
Bremen Middle Georgia Regional Commission
Brooklet Midville
Broxton Midway
Brunswick-Glynn County Joint Water and Sewer Commission Millen
Bryan County Emergency Services Milton
Buchanan Monroe
Buena Vista Montezuma
Buford Monticello
Butler Morrow
Byron Moultrie-Colquitt County EMA
Cairo Mount Airy
Calhoun Mount Vernon
Camilla Mount Vernon Housing Authority
Canon Mount Zion
Canton Nahunta
Carnesville Nashville
Carrollton Newnan
Cave Spring Newton County E.M.A
Cedartown Nicholls
Centerville Nicholson
Chamblee Norcross
Chatham Emergency Management Agency Northeast Georgia Housing Authority
Chatsworth Northeast Georgia Regional Commission
Chatsworth Water Works Commission Northwest Georgia Regional Commission
Cherokee County Water and Sewerage Authority Oakwood
Chester Ocilla
Chickamauga Oglethorpe
Clarkesville Oxford
Clarkston Palmetto
Claxton Patterson
Clayton Housing Authority Pelham
Cleveland Pembroke
Coastal Regional Commission Perry
Cochran Pine Mountain
Cochran-Bleckley EMA Pooler
College Park Port Wentworth
Colquitt Portal
Comer Powder Springs
Commerce Quitman
Conyers Reidsville
Conyers Housing Authority Remerton
Cordele Reynolds
Cornelia Riceboro
Cumming Richmond Hill
Cuthbert Rincon
Dacula Roberta
Dahlonega Rochelle
Dallas Rockmart
Danielsville Rome
Darien Rome-Floyd County Emergency Management Agency
Davisboro Rome-Floyd County Recreation Authority
Dawson Rossville
Dawsonville Roswell
Demorest Royston
Doerun Sandersville
Donalsonville Senoia
Douglas Sky Valley
Douglasville Smithville
Douglasville-Douglas County Water and Sewer Authority Smyrna
Dublin Snellville
Dublin-Laurens County Recreation Authority Social Circle
Duluth Soperton
East Ellijay Southern Georgia Regional Commission
Eastman Springfield
Eatonton St. Marys
Eatonton-Putnam County Water and Sewer Authority Statesboro
Elberton Stockbridge
Ellaville Stone Mountain
Ellijay Sugar Hill
Ellijay-Gilmer County Water and Sewer Authority Summerville
Emerson Suwanee
Enigma Swainsboro
Evans County EMA Swainsboro-Emanuel County EMA
Fairburn Sylvania
Fayetteville Sylvester
Fitzgerald Tallapoosa
Fitzgerald Water, Light and Bond Commission Temple
Flint Area Consolidated Housing Authority Tennille
Flowery Branch Thomaston
Forsyth Thomson
Fort Oglethorpe Thunderbolt
Fort Valley Tift County Fire Rescue
Fort Valley Utility Commission Tifton
Franklin Toccoa
Gainesville Toombs County Emergency Management Agency
Gainesville-Hall County EMA Towns County Water and Sewerage Authority
Garden City Trion
Unified Government of Georgetown-Quitman County Tuner County EMA
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
Glynn County Emergency Management Agency Valdosta
Gordon Valdosta-Lowndes County EMA
Gray Valdosta-Lowndes County Parks and Recreation Authority
Greensboro Vidalia
Greenville Vidalia Housing Authority
Griffin Vienna
Grovetown Vienna Housing Authority
Guyton Villa Rica
Habersham County Emergency Management Agency Villa Rica Housing Authority
Hagan Wadley
Hahira Waleska
Hampton Walthourville
Harlem Ware County Emergency Management Agency
Hartwell Warm Springs
Hawkinsville Warner Robins
Hawkinsville-Pulaski County EMA Warrenton
Hazlehurst Washington
Heard County Water Authority Washington County Emergency Management Agency
Heart of Georgia Altamaha Regional Commission Washington-Wilkes County EMA
Henry County Water Authority Waycross
Hephzibah Waynesboro
Hiawassee West Point
Hinesville Whigham
Hiram White
Hogansville Whitesburg
Holly Springs Willacoochee
Jackson Winder
Jackson County Water & Sewerage Authority Woodbine
Jasper Woodbury
Jasper County Joint 911 Authority Woodstock
Jefferson Wrens
Jeffersonville Wrightsville
Do you have questions about your city becoming a part of GMA's Retirement Fund? If so, contact us.
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.