SDCERS Retirement Plan Summary

Fact sheet for Airport Authority General Members hired before January 1, 2003

SDCERS was established by the City of San Diego in 1927 to administer retirement benefits for its Members. SDCERS provides benefits to its vested Members when they retire. SDCERS’ responsibilities include collecting contributions, making payments, investing earnings, and managing the retirement fund with direction from a 13-member Board of Administration (Board).

You become a Member of SDCERS after you are appointed to a position as any classified or unclassified, full or half-time Airport Authority employee. Required pre-tax contributions will be automatically deducted from your bi-weekly paycheck, transmitted to SDCERS, and deposited into the trust fund.

Your defined benefit plan with the Airport Authority is a retirement plan to which you make contributions while you are a Member, and that entitles you, when eligible, to a benefit from the time you retire until your death.

Plan Sponsor: Airport Authority

Plan Name: APA General

Hire Date: Defined as an “Andrecht-Covered Member” in the Airport Plan Document; members of this group were employed by the Unified Port District and contributing to SDCERS on January 1, 2002, working for the Port on December 31, 2002, and then became an Airport employee on or after January 1, 2003.

Member Contribution Rate: This is based on your age upon entry into SDCERS or into a reciprocal system if you have established reciprocity. Click here to access contribution rate chart. Offset rate for General Members is 7% of base compensation. Offset rate for Division Directors is 8.5% of base compensation. *Contribution rates are reviewed by SDCERS’ actuary and adopted by the Board annually. 

Earning Sevice Credit: Service Credit represents the amount of time you have earned or purchased in the retirement system as a contributing Member of SDCERS. It is one of the factors used in determining your eligibility and retirement benefit amount. Credits earned for part-time status are proportionately awarded.

Vesting: You must have at least five full years of service credit as a contributing Member of SDCERS to be vested in the retirement system and eligible for retirement benefits once you have met the minimum age requirement. (Note: Reciprocal service credits may be used to satisfy vesting requirements.)

Service Retirement Eligibility:

  • Age 55 (or older) with 20 or more years of service credit; or
  • Age 62 (or older) with five or more years of service credit

Service Retirement Benefit Formula: Your service retirement benefit is based on a formula which includes:

  • Service Credit
  • Final Compensation, based on your average highest earnings over a one-year period; and
  • Cost of Living Annuity

Formula: May choose between three calculation factors:

  1. Factors in effect on December 31, 2001, with a 10% increase to final compensation
  2. Factors in effect on January 1, 2002, with no increase to final compensation
  3. Factors in effect on April 1, 2004, which ranges from 2.5% per year of service at age 55, increasing to 3.0% per year of service at age 60
Click here for retirement calculation factors.

Benefit Cap: Benefit cannot exceed 90% of final average salary (certain exceptions can apply if member chooses to use factors listed in #1 and #2 above).

Create a Member Portal account at to calculate an estimate of your benefits.

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