NAF Retirement

With the NAF Retirement Plan, you contribute 2% of your gross salary each pay period. Your employer contributes another 7.6% to the Army NAF Retirement Trust, which pays your retirement benefits when you retire.

Participation begins on your hire date. If you were an eligible NAF employee before 1 January 2001, your participation begins on the date you signed your Enrollment Form, DA Form 3473.

After contributing for five years participation, you’re guaranteed a monthly benefit at retirement for life. Retirees will have made back their contributions in the first three years of retirement – and continue to receive benefits. In the event of death, a spouse can receive a monthly lifetime benefit if that option is selected at retirement.

You may purchase up to 5 years of military service (provided the military service is not already providing you a retirement benefit, or you have not used the military service in another company's retirement plan).

For additional information, visit your servicing Human Resources Office or call the NAF Employee Benefits Office.

Find out more information with these resources:

• Retiree Cost of Living Adjustment - Effective April 1, 2024 (PDF)
• Retirement Booklet
• Retirement Plan Documents
• 1st Amendment to Retirement Plan

Here are the fund’s valuations reports over the years:

• Valuation 2009
• Valuation 2010
• Valuation 2011
• Valuation 2012
• Valuation 2013
• Valuation 2014
• Valuation 2015
• Valuation 2016
• Valuation 2017
• Valuation 2018
• Valuation 2019
• Valuation 2020
• Valuation 2021
• Valuation 2022

2022 Valuation of the Retirement Fund
The Annual Valuation of the Retirement Fund for fiscal year 2022 was completed and briefed to G9 Leadership and Trustees on 7 July 2023. We are currently funded at 102%. Please note that the average funding level for similar public sector retirement funds is 77.8% (Source: National Conference on Public Employee Retirement Systems 2023 Public Retirement Systems Study). In the event our funding level were to fall below 90%, leadership can raise the employee contribution rate by .25% followed by a similar increase to the employer contribution rate. Please refer to the First Amendment to the Retirement Plan dated 9 Oct 15 provided above.

^*No official U.S. Army or Department of Defense endorsement implied by the use of external links.

Still have questions? Email a NAF Benefits representative.