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Welcome to South Carolina's State Optional Retirement Program Website!

How do you imagine spending your retirement? Relaxing on a beach? Vacationing overseas? Fixing up the house? Whatever it may be, MetLife and the state of South Carolina can help you achieve these goals.

MetLife is proud to be an approved service provider for South Carolina's State Optional Retirement Program ("State ORP"), a salary-reduction only 401(a) program. This website is a resource that will help you learn more about the State ORP and how you can take advantage of it to save for retirement.

With the mutual funds your employer has selected from MetLife's Mutual Fund Select Portfolios (MFSP) platform, South Carolina's State ORP offers a cost-effective opportunity to help you save for retirement. The MFSP funds offered under State ORP include an array of no-load and load-waived mutual funds from well-known fund families. The MFSP is offered with a Gold Track Select Registered Fixed Account Option.

This diverse array of funding options offers flexibility and convenience along with the following benefits:

  • No sales or transfer charges in or out of mutual funds
  • Mutual funds are purchased at net asset value (NAV)*
  • A competitive guaranteed minimum interest rate for the Gold Track Select Registered Fixed Account Option.*

Contact David Johnson at 980-260-5175 to obtain the contact information for the MassMutual Financial Professional** in your area.

Retirement Education

No matter what stage of life you're in, there are actions you can take now to help achieve future financial security.

For Help and More Information

Financial security may be possible when you know where you're going, how to start and how to get there. Contact your representative. 

Access Your Account

You may speak with a participant service center Representative at 800-543-2520 regarding your account. You can also view your account or initiate a number of transactions online.

*Interest rates will vary. The Registered Fixed Account Option guarantees are subject to the financial strength and claims-paying ability of Brighthouse Life Insurance Company. There is no additional tax benefit in funding your retirement program with an annuity. There should be reasons other than tax deferral for using an annuity for your retirement savings.

** MassMutual Financial Professionals are registered representatives of MML Investors Services, LLC (“MMLIS”) an affiliate of Massachusetts Mutual Life Insurance Company (“MassMutual”), a Massachusetts life insurance company. Neither MassMutual nor MMLIS is affiliated with Metropolitan Life Insurance Company or any of its affiliates.

Mutual funds and the Gold Track Select Registered Fixed Account Option are sold by prospectus only, which is available from your representative. Please carefully consider investment objectives, risks, charges, and expenses before investing. For this and other important information please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. Withdrawals from the Gold Track Select Registered Fixed Account Option may be subject to withdrawal charges and a market value adjustment. The market adjusted value may be lower or higher than your contract value. Diversification cannot eliminate the risk of investment losses.

Withdrawals are subject to ordinary income tax and before age 59 1/2 are generally prohibited. Some exceptions apply. Where permitted, a 10% additional federal tax may apply.

The Registered Fixed Account Option of the Gold Track Select Variable Annuity credits an annual interest rate declared by Brighthouse Life Insurance Company. The Gold Track Select Annuity is issued on policy form numbers L-14666, L-14669, L-14672, L-14672 CA, L-14669 MO, L-14672 MO, L-14669 ND, L-14672 ND, L-14669 NE, L-14672 NE, L-14634A, L-14669 NYNON4223, L-14672 NYNON4223, L-14669 NY4223, L-14672 NY4223, L-14666 OR, L-14669 OR, L-14672 OR, L-14666 PA, L-14669 PA, L-14672 PA, L-14666 TX, L-14669 TX, L-14672 TX, L-14669 UT, L-14672 UT, L-14669 WA, L-14672 WA, L-14666 WI, L-14669 WI, L-14672 WI by Brighthouse Life Insurance Company, 11225 North Community House Road, Charlotte, NC 28277.

Annuities are issued by Brighthouse Life Insurance Company, Charlotte, NC 28277 and in New York only by Brighthouse Life Insurance Company of NY, New York, NY 10017. Variable annuity products are distributed through Brighthouse Securities, LLC (member FINRA). Product guarantees are solely the responsibility of Brighthouse Life Insurance Company or in New York only Brighthouse Life Insurance Company and not MetLife. MetLife, a registered service mark of Metropolitan Life Insurance Company, is used under license to Brighthouse Services, LLC and its affiliates. Brighthouse Financial is a service mark of Brighthouse Financial, Inc. or its affiliates.

"MetLife" refers to Metropolitan Life Insurance Company and its affiliated companies.

This web site is not intended to be a summary of your plan's provisions. It only includes highlights of certain plan provisions. The plan document governs the terms of the plan and is available from your employer. Your employer may also provide a summary plan description. In general, if any conflicts occur between this material and the plan documents provided by your employer, the plan documents provided by your employer will govern.

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