The Public Safety Personnel Retirement System, Corrections Officer Retirement Plan, and Elected Officials' Retirement Plan provide retirement, disability, and survivor benefits, and retiree health insurance premiums to members. From 2005 through 2009, the System's legal costs steadily increased. In 2009, new policies and rules were adopted to control legal costs, which resulted in costs falling over 50 percent between 2009 and 2010. From 1991 through 2010, the System's investment portfolio—characterized at times by a high concentration in equities—earned just over 7 percent in annual gains, falling short of the actuarially assumed rate of return during this period. In 2008, the System began to make significant changes to its investment policies. These policy changes have resulted in a more diversified portfolio and significantly reduced the effect that any one type of investment could have on investment returns.