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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 Jonesboro
Adairsville Jonesboro Housing Authority
Adel Kennesaw
Alamo Kingsland
Alma LaFayette
Americus LaGrange
Aragon LaGrange Housing Authority
Ashburn Lake City
Attapulgus Lake Park
Auburn Lavonia
Augusta Lavonia Housing Authority
Augusta-Richmond Cty Planning Comm. Leesburg
Austell Lenox
Avondale Estates Liberty Consolidated Planning Commission
Bainbridge Lincolnton
Bainbridge Decatur County Recreation Authority Lithonia
Ball Ground Locust Grove
Barnesville Loganville
Baxley Lookout Mountain
Berlin Louisville
Blackshear Lovejoy
Blairsville Lumpkin
Blakely Lyons
Blakely-Early County Department of Recrecreation Madison
Blue Ridge Manchester
Bowdon Marshallville
Bowman McDonough
Bremen McRae-Helena
Brooklet Menlo
Broxton Middle Georgia Regional Commission
Brunswick-Glynn County Joint Water and Sewer Commission Midville
Buchanan Midway
Buena Vista Millen
Buford Milton
Butler Monroe
Byron Montezuma
Cairo Monticello
Calhoun Morrow
Camilla Mount Airy
Canon Mount Vernon
Canton Mount Vernon Housing Authority
Carnesville Mount Zion
Carrollton Nahunta
Cave Spring Nashville
Cedartown Newnan
Centerville Nicholls
Chamblee Nicholson
Chatsworth Norcross
Chatsworth Water Works Commission Northeast Georgia Housing Authority
Cherokee County Water and Sewerage Authority Northeast Georgia Regional Commission
Chester Northwest Georgia Regional Commission
Chickamauga Oakwood
Clarkesville Ocilla
Clarkston Oglethorpe
Claxton Oxford
Clayton Housing Authority Palmetto
Cleveland Patterson
Coastal Regional Commission Pelham
Cochran Pembroke
College Park Perry
Colquitt Pine Mountain
Comer Pooler
Commerce Port Wentworth
Conyers Portal
Conyers Housing Authority Powder Springs
Cordele Quitman
Cornelia Reidsville
Cumming Remerton
Cuthbert Reynolds
Dacula Riceboro
Dahlonega Richmond Hill
Dallas Rincon
Danielsville Roberta
Darien Rochelle
Davisboro Rockmart
Dawson Rome
Dawsonville Rome-Floyd County Recreation Authority
Demorest Rossville
Doerun Roswell
Donalsonville Royston
Douglas Sandersville
Douglasville Senoia
Douglasville-Douglas County Water and Sewer Authority Sky Valley
Dublin Smithville
Dublin-Laurens County Recreation Authority Smyrna
Duluth Snellville
East Ellijay Social Circle
Eastman Soperton
Eatonton Southern Georgia Regional Commission
Eatonton-Putnam County Water and Sewer Authority Springfield
Elberton St. Marys
Ellaville Statesboro
Ellijay Stockbridge
Ellijay-Gilmer County Water and Sewer Authority Stone Mountain
Emerson Sugar Hill
Enigma Summerville
Fairburn Suwanee
Fayetteville Swainsboro
Fitzgerald Sylvania
Fitzgerald Water, Light and Bond Commission Sylvester
Flint Area Consolidated Housing Authority Tallapoosa
Flowery Branch Temple
Forsyth Tennille
Fort Oglethorpe Thomaston
Fort Valley Thomson
Fort Valley Utility Commission Thunderbolt
Franklin Tifton
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 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
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.