Retirement & Savings

The Colquitt County Schools retirement program is made up of multiple parts: Social Security, either the Teachers Retirement System (TRS) or the Public School Employees Retirement System (PSERS), and personal retirement plan options.  If you want to learn more about how our retirement plans work, and how to make sure you get the most out of your retirement, click the link below.


Important Documents

The Teacher's Retirement System (TRS) is a defined benefit plan, meaning participants are guaranteed a set monthly retirement income from the plan.  


The Public School Employees Retirement System (PSERS) is the retirement system for public school employees who are not eligible to participate in TRS.  This is also a defined benefit plan, so participants are guaranteed a set monthly retirement income.  PSERS retirement income supplements income from Social Security for all employees in a permanent position, employed half time or more.  


The personal retirement plan can help employees supplement their state retirement plan by offering enrollment in a 403(b).  More information on this new option will be available by January 1, 2022.   

Teacher's Retirement System (TRS)

The following personnel are required to participate in TRS, a state retirement plan: certified teacher, administrator, clerical staff, paraprofessional, lead custodian, supervisor, and school nutrition manager. Your TRS account is funded by you and the district. Employees contribute 6% of earnings and the district contributes 19.81% of earnings. Employees are vested after 10 years of service. 


Public School Employees Retirement (PSERS)

The following personnel are required to participate in PSERS, a state retirement plan: school nutrition, transportation, maintenance, and custodial staff. The employee contribution for employees hired before July 1, 2012 is $4 per month for 9 months ($36 per year). For employees hired on or after July 1, 2012, it is $10 per month for 9 months ($90 per year). Effective July 1, 2022, your retirement benefit will be $16.00 per month multiplied by your number of years of service. Employees are vested after 10 years of service. 

State Health Benefit Plan (SHBP)

In order to continue your SHBP coverage as a retiree, you and any dependents you wish to cover must be enrolled in the plan at the time you retire. If you are not enrolled in SHBP and wish to elect coverage as a retiree, you will need to enroll during Open Enrollment the year prior to your retirement. Please refer to the Retiree Decision Guide for additional information regarding your SHBP coverage and retiree options. More information is available here:

Supplemental Retirement Plan(s) – 403(b)/457

Effective May 1, 2022, new hires of Colquitt County Board of Education will be automatically enrolled in The Colquitt County Schools 457(b) Deferred Compensation Plan serviced by AIG Retirement Services.  The Board of Education will automatically deduct 3% of your pretax compensation from each biweekly/monthly paycheck and deposit it into your retirement account in a target date fund based on your date of birth.  The Board of Education will match your contribution at 100% up to the 6% of your compensation.  To increase or change your contribution from the default 3% or move from the 457(b) Plan to the 403(b) Plan you may use the following listed methods:


  • Online: Visit, and click on “Enroll.” Enter Group Access Code: (in the Login field and click Continue.)
    • 457(b) Plan
      • 457(b) pre-tax contribution - 07739001
      • 457(b) post-tax (Roth) - 07739101;
    • 403(b) Plan
      • 403(b) pre-tax contribution - 07739002
      • 403(b) post-tax (Roth) – 07739102
  • By Phone: Call the Enrollment Center at (888) 569-7055 between 8:30 a.m. and 8:00 p.m. (ET). If you are a new employee, reference Group ID 07739002.
  • In Person: Contact your local AIG financial advisors.  Contact information is available on the Resources page.  


Important Video Information:

Planning to Retire?

For more information on your retirement options, please review the SHBP Retirement Presentation available here.


If you have additional questions, please reach out to Penny Kebler, Benefits Coordinator:

(229) 890-6219