The majority of Downriver communities surrounding Trenton have a defined benefit or pension plan for police officers.
Like Trenton, four nearby communities have chosen defined benefit plans over other plans. Communities currently offering pension plans are:
Trenton has the lowest benefit multiplier of all neighboring communities by offering defined benefits at 2 percent, which means officers multiply two percent of their average annual pay by the number of years worked and the result is their annual retirement benefit.
Riverview and Woodhaven have a 2.5 percent multiplier, Southgate's multiplier is slightly higher at 2.69 percent and Gibraltar is the highest at 2.7 percent.
Communities' retirement costs are often lessened with a lower multiplier.
Brownstown and Grosse Ile do not use a defined benefit or defined contribution plan. Wyandotte is the only remaining community researched that still uses a defined contribution plan.