Your First 75 Days
One decision, one real deadline, and it's permanent once made. Everything else on this site can wait — this can't.
Is This You?
This is your first-ever job at a Michigan public school — you've never been an MPSERS member before.
You started within roughly the last 75 days.
Find Your Exact Deadline
Not "about 75 days" — your actual date.
The Actual Choice
Not a recommendation either way — just what each one actually is.
Pension Plus 2
A hybrid plan: a smaller guaranteed pension (calculated by formula, unaffected by markets) plus a personal savings account you also contribute to.
Generally favors staying in Michigan public education for the long run — the pension slice rewards years of service.
DC Plan
A pure savings account — no pension component at all. Your balance depends entirely on contributions and investment performance.
Fully portable if you leave Michigan public education — you take the whole balance with you.
See What Are the MPSERS Benefit Structures? and What Is a Defined Benefit Pension? — both short, both relevant to this exact decision.
Make an active choice if you can — even a quick, informed one beats a default by accident. If you're genuinely unsure, log into miAccount to submit your election, and come back to the rest of this roadmap once the pressure's off.