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State University System Optional Retirement Program (ORP)

A defined contribution plan where participants decide how to allocate the money in their account among available investment funds. The benefit depends on the amount of money contributed and its growth over time.


  • Faculty (Health Science Center Faculty are required to participate in the ORP)

Enrollment for New Employees

Contribution Rates

  • Employer: Employer contribution rate is determined yearly by state legislation. (Note: Employers also pay Admin fee/UAL to State of Florida. Therefore, the employer rate you see on your paychecks will be higher than the amount deposited into your account.)
  • Mandatory Employee: 3.00% of biweekly earnings
  • Voluntary Employee: Up to 5.14% of biweekly earnings

IRS Contribution Limits

The limits for this plan are based on our fiscal and calendar years. Visit the Retirement Plan Contribution Limits page for the current years’ maximums.




Loans/Hardship Withdrawals

Loans and hardship withdrawals are not permitted.

Update My Beneficiary

Contact your investment provider to update.

Ready to Retire?

Visit our Ready to Retire page for information.