SDCERS Retirement Plan Summary

Fact sheet for Airport Authority Members hired on or after January 1, 2013

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 PEPRA

Hire Date: Hired on or after January 1, 2013 (and does not have incoming reciprocity from a reciprocal agency)

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. *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.

Service Retirement Eligibility:

  • Age 52 (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:

  • Age-Based Retirement Factor, determined by age at retirement
  • Service Credit
  • Final Compensation, your average highest earnings over 36 consecutive months; and
  • Cost of Living Annuity

Formula: 1% per year of service at age 52, increasing to 2.5% at age 67

Benefit Cap: Cannot exceed limits under PEPRA, Govt. Code §§ 7522.10 and 7522.42. In general, because Airport members participate in Social Security, the cap on the amount of compensation that can be used to calculate your SDCERS benefit under PEPRA is capped at 100% of the Social Security wage index limit on January 1, 2013 ($113,000 approx.) indexed to inflation based on the CPI for All Urban Consumers. Adjustments will be effective annually each January 1 following the annual valuation.

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

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