Retirement Plans

Full-time, regular faculty and full-time administrators have a choice between the Michigan Public School Employees Retirement System (MPSERS) and the College’s TIAA (Teachers Insurance Annuity Association) optional retirement program (ORP). Both plans require an employee tax-deferred payroll contribution.

All other employees, except student employees, participate in MPSERS.


Kellogg Community College participates with MPSERS. Employees who participate in MPSERS make a mandatory employee contribution toward their retirement. This pre-tax contribution is deducted each payday from the employee’s paycheck. The amount of the pre-tax contribution depends on each employee’s plan structure with MPSERS.

MPSERS Info for New Employees

MPSERS Retirement Plan Election Guide

Retirement Plan Decision Guide


  • To get started, visit the MPSERS website at
  • From outside of Lansing area telephone number: 800-381-5111
  • Lansing area telephone number: 517-284-4400

Once established with MPSERS, employees should sign up on MiAccount to add beneficiaries, view information, such as years of service, and change personal account information.


TIAA ORP employee contribution is 4% of the employee’s gross wages. KCC contributes 10.5% of the employee’s gross wages to the employee’s account.

Additional Investment Opportunities – 403(b)

This voluntary retirement investment program is also managed by TIAA. All employees, except student employees, are eligible to participate in this 403(b) plan. Similar to a 401(k), this program provides employees an opportunity for tax-deferred contributions of their choosing. This investment program is optional and separate from the College – provided retirement programs.