Retirement Plans
Planning for Retirement? We're Here to Support You!
As you prepare for this exciting new chapter, we want to make sure you have all the information you need to feel confident and secure. Below, you'll find an overview of the investment options available through the Oakland County Retirement System. We’ve also included helpful documentation to answer common questions about the Oakland County Deferred Compensation Plan.
For details on your health care options, please refer to the Health Care Schedule.
To help you stay organized and on track, don’t forget to review the Oakland County Retirement Readiness Checklist.
Thinking about moving your funds out of Empower after retirement?
Be sure to take a look at our Stay in the Plan flyer to explore the benefits of keeping your money where it is.
- 401(a) General and Union Plan Highlights 2025
- 401(a) Command Officers, Deputies, Corrections and Dispatchers Plan Highlights 2025
- 401a vs 457 - See What's Different
*401(a) Plans and Employer and Employee Percentages
Here's how to see what 401(a) plan you're in:
- Login to Workday
- Click on the person icon in the upper right corner
- Click View Profile
- Navigate to Benefits on the left-hand side
- Click on My Retirement Savings
| 401(a) Plan | Employer Contribution | Employee Contribution |
|---|---|---|
| 4015-3 | 8% | 3% |
| 4016UAW | 9% | 3% |
| 4016-5* | 11% | 5% |
| 4016-3 | 9% | 3% |
| 4017-5* | 12% | 5% |
| 401POAM | 9% | 3% |
| 401CPOAM* | 11% | 5% |
| 401TPOAM | 9% | 3% |
| 401MAPE | 9% | 3% |
| 401MAPES | 9% | 3% |
| 401MNA | 9% | 3% |
| 401CMNA* | 11% | 5% |
| 401IUOE |
9% | 3% |
| 401AFSCME | 9% | 3% |
| 4016SD | 14% | 6% |
| 4017SD* | 14% | 6% |
| 401RDN | 14% | 6% |
| 4016SC | 14% | 8% |
| 4017SC* | 14% | 8% |
*Converted from Defined Benefit (DB) to Defined Contribution (DC) Plan
Please Note: the Employer portion is made up of both Employer "Base" contributions and Employer "Match" contributions. The Employer Match is only visible on the payslip, under "Employer Paid Benefits".
You are in the Defined Contribution Plan administered by Empower. You can access your account information by phone at 833-OAK-GOV1 (833-625-4681) or via empower.com/oaklandcounty.
These are set retirement plans and no additional before-tax monies can be contributed.
However, you may contribute up to an additional 10% of your wages out of your paycheck on an after-tax basis to this account. You can begin, end or change the amount of your after-tax contributions on a bi-weekly basis. This may be accomplished by calling Empower or visiting empower.com/oaklandcounty.
The vested portion of the money contributed to this plan by the County and your before-tax contributions are available to you at the time you separate from employment or via the loan provision of the plan. The money you contribute after tax (if you choose to do so) can be withdrawn once each calendar year.
You may invest the money you contribute and the money the County contributes in a variety of investment options. Please visit empower.com/oaklandcounty to view/change your investment options.
You gain ownership (“vest”) in the money the County contributes according to the following schedule:
| Years of Service Completed | % Vested |
|---|---|
| 2 | 20% |
| 3 | 40% |
| 4 | 60% |
| 5 | 80% |
| 6 | 100% |
For example, if you were to leave County employment after 5 years of service, you would be paid all of the money in the fund(s) that held your contributions and 80% of the money in the fund(s) that held the County contributions.
***Some bargaining units may differ.
The Deferred Compensation 457(b) Pre-Tax and Roth After-Tax Plan offers additional ways for employees to save for retirement.
If an employee elects to participate in the 457(b) Pre-Tax plan, your designated contribution amount will be deducted from your paycheck on a pre-tax basis. Participation in the Roth After-Tax plan means that your contribution amount will be deducted after-taxes. All contributions are invested into the funds of your choosing.
401(a) After Tax vs. 457(b) Roth Flyer
The Deferred Compensation Match Program
Oakland County will match dollar-for-dollar, what you contribute to either your pre-tax or after-tax. Matched contributions are deposited into your 401(a) plan. Please contact Lisa Villella villellal@oakgov.com 248-892-2855 if you have any questions.
| Employee Classification | Oakland County 457(B) Plan Match |
|---|---|
| General | $500 |
| POAM | $500 |
| AFSCME | $1,000 |
| MAPE | $1,000 |
| MAPE (supv) | $1,500 |
| TPOAM | $1,500 |
| MNA | $1,500 |
| IBEW/IUOE/PIA | $1,500 |
| UAW | $1,500 |
| COA | $3,000 |
| OCSDA | $2,500 |
- 457(b) General and Union Plan Highlights 2026
- 457(b) Command Officers, Deputies, Corrections and Dispatchers Plan Highlights 2026
Changing Your Contributions
To increase/decrease your contribution amount, or to enroll in the plan using a specific whole dollar amount/percentage, please login to your Empower account at empower.com/oaklandcounty or call Empower at 833-OAK-GOV1 (833-625-4681).
Monitoring Your Funds
To change or view your current funds, please login to your Empower account at empower.com/oaklandcounty or call Empower at 1-833-OAK-GOV1 (833-625-4681).
2026 maximum amount employees may contribute to the Deferred Compensation Plan is as follows:
- 2026 Annual Limit for under 50 years = $24,500
- 2026 Annual Limit for 50+ years = $32,500
- 2026 Annual Limit for Age 60-63 = $35,750
- 2026 Annual Limit for Age 64+ = $32,500
The Oakland County 457 PTNE retirement plan for part-time non-eligible employees was instituted in April of 2008 and is the alternative to Social Security. As a part-time non-eligible employee, your participation in this program is fixed, mandatory and cannot be changed.
For specific information regarding your account, please contact Empower 833-OAK-GOV1 (833-625-4681).
Part-time non eligible employees do not receive health benefits.