A retirement plan exclusively for Housing Authorities

A Retirement Plan That You’ve Trusted Since 1970

The Housing Agency Retirement Trust (HART)

The Housing Agency Retirement Trust (HART) was established in 1970 exclusively to serve local and regional housing authorities and redevelopment agencies. HART is a nonprofit trust, which is owned by more than 7,500 participants in the Plan.

Housing Authority Retirement Trust (HART) is the only nonprofit plan founded by Housing Authorities for Housing Authorities.

The Plan is governed by a Board of Trustees who are also participants in the Plan. Each trustee serves without pay and is employed by a participating Housing Authority.

Participating Housing Agencies can customize their plan to meet their individual needs with respect to eligibility, contribution levels, vesting schedules and loan provisions.

As a nonprofit plan designed and maintained exclusively for Housing Authorities, Hart provides customized service at the lowest cost possible.

More than 470+ participating agencies already enjoy these advantages:

Trustee Direction

The Plan is governed by Trustees who serve without pay. They must be participants in the Plan and employed by a participating employer.


Participating employers can customize the Plan to meet their individual needs, with respect to eligibility, contribution levels, vesting schedules and loan provisions. Employers join the Plan through a Joinder Agreement.

Record Keeping

Personalized service is provided by HART's Recordkeeper, ADP Retirement Services. The individuals working on HART's plan have a combined 44+ years of experience working exclusively with HART participants.


HART's long-standing relationship with its Plan Administrator and Recordkeeper provides a high level of stability. Since inception, the Plan has been administered by Mercer, and recordkeeping is provided by ADP Retirement Services. Each individual working exclusively on HART's plan has more than 25+ years of experience in the Plan.

Multi-Employer Savings

The Plan pools the retirement contributions of all participants, which helps to lower investment and administrative costs, as well as annuity purchase rates.


The Plan is administered by Mercer, a division of Marsh and McLennan. Since inception, the Plan has been administered by the same Plan Administrator.


HART's Trustees and investment advisors work hard to provide participants with a diversified range of investments from which to choose. This offers participants the ability to properly allocate their portfolios so that they can reduce investment volatility and maximize retirement savings.

What People Say About Us

Client Testimonials

What’s New With HART?

HART News Flash
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Management Fee Reductions for Vanguard Target Retirement Funds
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Webinar from Financial Engines an Investment Advisory Service

Investing in a Volatile Market

Getting the Most from Your Retirement Plan

Important Plan Changes are coming to both the HART Retirement Plan and the 457(b) Deferred Compensation Plan. Fees and expenses will be revised effective January 1, 2020. Please read the Important Plan Change Notice for all the details.

Information about compliance with IRS Limits for 2022-2024 is now available. These amounts usually change each year, and you can refer to this document to find the correct limits for the years 2022 through 2024.

New Enrollment Kit – documents and forms can now be found in one place. Access them here.

Are you wondering how or where to invest your funds? HART is joining forces with Financial Engines to help you find answers and solutions. Read the official announcement.

Reinventing Retirement