Plan

Atlanta Police Fund

State

Georgia

Funded Ratio

85.1%

Assets

$1.37B

Members

3,820

Health Grade: B — Adequately funded — meeting most funding benchmarks

FY2023 data Grade B Public Plans Database

Atlanta Police Fund

Funded ratio, unfunded liability, member counts, ARC coverage, and 23-year financial history for Atlanta Police Fund — sourced from the Public Plans Database (Boston College CRR) and cross-checked against actuarial valuations.

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By Kiznis Studio Editorial · June 2026 · Georgia · Police & Fire Plan · Data through FY2023

Financial Health Grade

Adequately funded — meeting most funding benchmarks

Funded Ratio

85.1%

actuarial assets / liabilities

Unfunded Liability

$240M

actuarial shortfall

Total Members

3,820

active + retired + vested

1-Year Return

10.7%

net investment return

1.9pp vs 5-yr avg

5-Year Avg Return

8.9%

annualized, net of fees

ARC Payment

54.3%

of actuarially required contribution

How Atlanta Police Fund Funded Ratio Compares

Plan Funded Ratio 85.1%

National avg

A ratio of 85.1% compared against the national public-pension average of 73.5%.

Healthy Threshold

Plans above 80% are generally considered adequately funded by NASRA standards.

Participant Composition

The active-to-retiree ratio is a leading indicator of long-term plan sustainability — plans with more retirees than active contributors face mounting cash-flow pressure as benefit payments outpace incoming contributions.

Investment Policy Mix

Public pension plans report their asset allocation in Form 5500 Schedule H Part I disclosures. Equity-heavy mixes capture market upside but introduce volatility; fixed-income tilts protect funded status during downturns at the cost of long-run return.

Historical Funded Ratio

Year	Funded Ratio	Assets	Unfunded	Members
2024	N/A	N/A	N/A	N/A
2023	N/A	$1.37B	N/A	3,820
2022	85.1%	$1.28B	$224M	3,735
2021	83.4%	$1.50B	$299M	3,609
2020	80.0%	$1.15B	$287M	3,402
2019	79.3%	$1.16B	$304M	3,439
2018	75.2%	$1.13B	$373M	3,310
2017	71.6%	$1.05B	$417M	3,435
2016	70.1%	$950M	$405M	3,485
2015	68.6%	$983M	$449M	3,524
2014	66.9%	$988M	$489M	3,480
2013	66.8%	$829M	$412M	3,456
2012	63.7%	$734M	$418M	3,301
2011	61.1%	$735M	$468M	3,069
2010	60.1%	$612M	$406M	2,870
2009	71.3%	$544M	$219M	2,994
2008	70.8%	$617M	$254M	3,083
2007	68.9%	$629M	$284M	2,939
2006	69.5%	$535M	$235M	2,890
2005	75.5%	$523M	$170M	2,679

What the Data Says About Atlanta Police Fund

Atlanta Police Fund reports a funded ratio of 85.1% as of fiscal year 2023, earning a financial health grade of B in the Public Plans Database. The plan holds $1.37B in market assets against an unfunded liability of $240M. As a Police & Fire plan operating under Georgia sponsorship, it covers 3,820 members (1,554 active contributors, 1,758 retirees drawing benefits). These figures aggregate from Form 5500 filings submitted to the Department of Labor and actuarial valuations reported through NASRA.

A funded ratio above 80% signals that Atlanta Police Fund has substantial assets to meet projected obligations, placing it above the national public-pension average of roughly 72–75%. Employer contributions covered 54.3% of the Annual Required Contribution in the most recent reporting cycle, while the plan posted a 5-year average investment return of 8.9%. The relationship between contribution adequacy and investment performance determines whether the unfunded liability narrows or expands year over year.

For Georgia taxpayers and plan members, the $240M unfunded gap represents the actuarial shortfall that must eventually be closed through a combination of contributions, investment returns, or benefit modifications. Unlike private-sector pensions governed by ERISA and backstopped by the PBGC, public plans like Atlanta Police Fund rely on the full faith and credit of Georgia — meaning funding shortfalls flow through to state and local budgets rather than a federal insurance program. This information summarizes official Public Plans Database disclosures and is provided for research and educational purposes only. It is not financial, legal, or retirement-planning advice; active and retired members with specific benefit questions should consult their plan administrator directly.

Membership

1,554

Active Members

1,758

Retirees

3,820

Total Members

Plan Details

Plan Type: Police & Fire
State: Georgia
Market Assets: $1.37B
ARC Payment: 54.3%

Source: Public Plans Database (PPD)
Boston College CRR / NASRA

Other Georgia Plans

Georgia Teachers Retirement System 78.5%
Atlanta General Employees Pension Fund 69.9%
Atlanta Fire 62.9%
Georgia Employees Retirement System 56.9%

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Related Resources

Pension Guides

Frequently Asked Questions

Is Atlanta Police Fund fully funded?

Atlanta Police Fund has a funded ratio of 85.1% as of FY2023, earning a health grade of B. A funded ratio of 100% means the plan has enough assets to cover all projected liabilities. Ratios above 80% are generally considered adequately funded; ratios below 60% indicate significant underfunding and risk to future benefits.

What happens if Atlanta Police Fund runs out of money?

Public pension plans like Atlanta Police Fund are backed by the sponsoring government entity — in this case Georgia. If a plan's assets are insufficient, the state or local government is typically required to make up the difference through increased contributions, benefit adjustments, or tax measures. Unlike private pensions, public pensions are not insured by the PBGC, but they do carry the full faith and credit of the sponsoring government.

What does a funded ratio of 85.1% mean?

A funded ratio of 85.1% means that Atlanta Police Fund currently has assets equal to 85.1% of its projected benefit obligations. The unfunded liability — the gap between assets and liabilities — stands at $240M. This is considered adequately funded.

How does Atlanta Police Fund compare to other public pensions?

Atlanta Police Fund is a Police & Fire plan in Georgia serving 3,820 members. Nationally, the average funded ratio for public pension plans tracked by the Public Plans Database is approximately 72–75%. Atlanta Police Fund's funded ratio of 85.1% places it above the national average, reflecting strong fiscal management.

How many members does Atlanta Police Fund have?

Atlanta Police Fund covers 3,820 total members, including 1,554 active employees and 1,758 retirees currently receiving benefits. The ratio of active members to retirees is a key indicator of plan sustainability — when the number of retirees grows relative to active contributors, funding pressure increases.

What is the ARC payment percentage for Atlanta Police Fund?

Atlanta Police Fund pays 54.3% of its Annual Required Contribution (ARC). Consistently underpaying the ARC accelerates the growth of unfunded liabilities and places future benefits at greater risk. Employer contribution patterns are tracked annually in the Public Plans Database.

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Data sourced from official Public Plans Database and actuarial valuations from federal and state pension systems. See our methodology for details. Retrieved and formatted by Kiznis Studio Editorial

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the Public Plans Database (PPD). Consult a qualified professional before making decisions based on this data.

Read our methodology — how this data is sourced, computed, and verified.

All federal data sources used on this page

U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov