If you are newly eligible to enroll in the ORP plan: You will need to complete the TRS-28 provided to you. As an "employer," a group or association, as well as a PEO, can sponsor a defined contribution retirement plan for its members.Defined benefit plans provide a fixed, pre-established benefit for employees at retirement. Ruth regularly speaks on employee benefits topics, including new guidance regarding wellness programs, the Affordable Care Act, and fiduciary best practices. Moving your funds out of ORP can impact retiree insurance eligibility. Contribution savings plans in the U.S. for the benefit of its employees. Ruth Michels practices exclusively in the area of employee benefits law. Since ERISA, Congress has periodically modified funding rules for pension plans. The Pension Protection Act of. If you are denied benefits or dropped from coverage, you could lose out on benefits in retirement, including health benefits.