OPINION

CRONE, Judge.

Case Summary

Jeri Good was a member of the Indiana Teachers Retirement Fund (now a part of the Indiana Public Retirement System ("INPRS")) for twenty-nine and a half years and left her INPRS-covered job. Five months later, she purchased a half-year of additional service credit from INPRS, which made her eligible to receive retirement benefits starting at age fifty-five based on thirty years of service. Shortly before she turned fifty-five, Good contacted INPRS to ask about the consequences of delaying her application for retirement benefits. An INPRS employee told Good that her benefits would be paid retroactively but failed to inform her that, pursuant to statute, they could be paid retroactively only up to six months before her application date. Based on the information provided by the INPRS employee, Good delayed filing her application for one year and requested benefits retroactive to her fifty-fifth birthday. INPRS determined that she was entitled to only six months of retroactive benefits. Good filed an administrative appeal, which was decided in INPRS's favor. She then petitioned for judicial review of that decision, which the trial court affirmed.

On appeal, Good does not dispute that Indiana law limits an INPRS member to six months of retroactive retirement benefits. Instead, she contends that she is entitled to additional retroactive benefits based on the theories of equitable estoppel, unjust enrichment, and breach of fiduciary duty. We conclude as follows: (1) equitable estoppel is inapplicable because the facts regarding Good's retirement were equally available to both parties and she is charged with knowledge of the law regarding retroactive benefits; (2) unjust enrichment is also inapplicable in light of that imputed knowledge; and (3) her fiduciary duty claim fails because there is no indication that the INPRS employee was a fiduciary. Therefore, we affirm.

Facts and Procedural History

The relevant facts are undisputed. Good was born in June 1956 and became a member of INPRS in August 1977. She left INPRS-covered employment in December 2006. In May 2007, Good purchased a half-year of additional service credit from INPRS for $3722.23, which made her eligible to receive INPRS retirement benefits starting in June 2011 when she turned fifty-five based on thirty years of service. See Ind.Code § 5-10.2-4-1(b)(3) ("A member [of INPRS] is eligible for normal retirement if ... the member's age in years plus the member's years of service is at least eighty-five (85) and the member is at least fifty-five (55) years of age."). Without this credit, Good would not have been eligible to receive benefits until December 2011, and those benefits would have been based on only twenty-nine and a half years of service.1

In June 2011, Good contacted an INPRS employee to inquire about the consequences of delaying her application for retirement benefits. Good told the INPRS employee that she would be unable to complete her application in the near future because she was "very busy" as a funeral director. Appellant's App. at 82. The INPRS employee told Good that her benefits would be paid retroactively but failed to mention that, pursuant to statute, they could be paid retroactively only up to six months before her application date. See Ind.Code § 5-10.2-4-1(d) ("A member who is eligible for normal ... retirement is entitled to choose a retirement date on which the member's benefit begins if the following conditions are met: (1) The application for retirement benefits and the choice of the date is filed on a form provided by the board. (2) The date must be after the cessation of the member's service and be the first day of a month. (3) The retirement date is not more than six (6) months before the date the application is received by the board.").2 Based on the information provided by the INPRS employee, Good delayed applying for benefits until June 2012 and put a retirement date of June 23, 2011, on her application. INPRS determined that her earliest possible retirement date was six months before her application date, or January 1, 2012. Good would not have waited to apply for benefits if she had known that they were retroactive for only six months.

Good filed an administrative claim appealing INPRS's determination. The parties filed cross-motions for summary judgment. The administrative law judge ("ALJ") issued a decision and recommended order in INPRS's favor, which was adopted by INPRS's board of trustees ("the Board"). Good petitioned for judicial review of the Board's order. After remanding with instructions to amend the order to conform to the evidence before the ALJ, the trial court affirmed the Board's amended order. This appeal followed.

Discussion and Decision

"The Administrative Orders and Procedures Act provides the standard for judicial review of an administrative decision." P'Pool v. Ind. Horse Racing Comm'n, 916 N.E.2d 668, 674 (Ind.Ct.App. 2009). This Court will reverse an administrative decision only if it is:

Ind.Code § 4-21.5-5-14(d). "An administrative decision is arbitrary and capricious only when it is willful and unreasonable, without consideration or in disregard of the facts and circumstances of the case, or without some basis which could lead a reasonable person to the same conclusion." P'Pool, 916 N.E.2d at 674. "The party challenging an agency decision bears the burden of demonstrating its invalidity." Id. (citing Ind.Code § 4-21.5-5-14(a)).

"Summary judgment may be granted in favor of either party in an administrative adjudication." Ind. Dep't of Envtl. Mgmt. v. Schnippel Constr., Inc., 778 N.E.2d 407, 412 (Ind.Ct.App.2002) (citing Ind.Code § 4-21.5-3-23(a)), trans. denied (2003). "Summary judgment is appropriate where `a genuine issue as to any material fact does not exist and the moving party is entitled to a judgment as a matter of law.'" Id. (quoting Ind.Code § 4-21.5-3-23(b)). Where, as here, the material facts are not in dispute, our review is limited to determining whether the law was correctly applied to the undisputed facts. C.M.B. ex rel. Brabant v. Repub. Servs., Inc., 800 N.E.2d 200, 202 (Ind.Ct. App.2003), trans. denied (2004).

Good does not dispute that Indiana law limits an INPRS member to six months of retroactive retirement benefits. Instead, she contends that she is entitled to additional retroactive benefits based on the following theories: (1) equitable estoppel; (2) unjust enrichment; and (3) breach of fiduciary duty. We address them in turn.

Section 1 — Equitable Estoppel

Good asserts that "INPRS is equitably estopped from using the misleading acts of its employees to enrich itself." Appellant's Br. at 10. A party invoking the doctrine of equitable estoppel must show "(1) a lack of knowledge as to the facts in question and of the means of acquiring that knowledge; (2) reliance upon the conduct of the party estopped; and (3) a prejudicial change in position based upon the conduct of the party estopped." Barnette v. U.S. Architects, LLP, 15 N.E.3d 1, 10 (Ind.Ct.App.2014) (quoting LaGrange Cnty. Reg'l Util. Dist. v. Bubb, 914 N.E.2d 807, 811 (Ind.Ct.App.2009)). "`Estoppel cannot be applied if the facts are equally known by or accessible to both parties.'" Id. (quoting City of Crown Point v. Lake Cnty., 510 N.E.2d 684, 687 (Ind.1987)). And "[a]ll persons are charged with the knowledge of the rights and remedies prescribed by statute." Middleton Motors, Inc. v. Ind. Dep't of State Revenue, 269 Ind. 282, 285, 380 N.E.2d 79, 81 (1978).

Good's knowledge of the facts regarding her retirement situation was at least equal, if not superior, to that of INPRS, and she is charged with knowing her rights under the statute regarding retroactive retirement benefits, Indiana Code Section 5-10.2-4-1. Therefore, we conclude as a matter of law that equitable estoppel is inapplicable here.3

Section 2 — Unjust Enrichment

"A claim for unjust enrichment is a legal fiction invented by the common-law courts in order to permit a recovery where the circumstances are such that under the law of natural and immutable justice there should be a recovery." Kohl's Ind., LP v. Owens, 979 N.E.2d 159, 167 (Ind.Ct.App.2012). "To prevail on a claim of unjust enrichment, a plaintiff must establish that a measurable benefit has been conferred on the defendant under such circumstances that the defendant's retention of the benefit without payment would be unjust." Id. "Indiana courts articulate three elements for this claim: (1) a benefit conferred upon another at the express or implied consent of such other party; (2) allowing the other party to retain the benefit without restitution would be unjust; and (3) the plaintiff expected payment." Id. at 167-68.

Good states that she

Appellant's Br. at 14.

Good cites no authority, however, for the proposition that unjust enrichment may be used to defeat the application of a statute that she is charged with knowing. Under these circumstances, we conclude as a matter of law that unjust enrichment is also inapplicable.4

Section 3 — Breach of Fiduciary Duty

"A claim for breach of fiduciary duty requires proof of three elements: (1) the existence of a fiduciary relationship; (2) a breach of the duty owed by the fiduciary to the beneficiary; and (3) harm to the beneficiary." York v. Fredrick, 947 N.E.2d 969, 978 (Ind.Ct.App.2011), trans. denied. Good asserts, and INPRS does not dispute, that she has a fiduciary relationship with INPRS because it holds her retirement funds in trust pursuant to statute. See Ind.Code § 5-10.5-2-5 (stating that public retirement system "shall be managed and administered by a board of trustees").5 Good states that she "contacted INPRS regarding her retirement funds and whether her benefits would be retroactive. INPRS misled her regarding the terms of the plan. As such Good delayed in filing for retirement and lost benefits. INPRS breached its fiduciary duty to [G]ood and there is no evidence to the contrary." Appellant's Br. at 10.

But there is no indication that Good's contact at INPRS was a fiduciary, as opposed to a mere ministerial employee who failed to give her complete information about retroactive benefits. Cf. Schmidt v. Sheet Metal Workers' Nat'l Pension Fund, 128 F.3d 541, 547-48 (7th Cir.1997) (distinguishing between ERISA pension fund trustees and ministerial employee, who sent wrong paperwork to pension plan participant and intended beneficiary, in rejecting latter's breach of fiduciary duty claim; "[T]he Trustees did not make the misstatement on which [the plaintiff's] fiduciary duty claim is based — [the employee] did. Significantly, no evidence suggests that the Trustees either authorized, participated in, or had knowledge of [the employee's] misstatement, or that the Trustees deliberately withheld information from [the employee] about the proper means of making a beneficiary designation."), cert. denied (1998). And, as already mentioned, Good is charged with knowledge of the statute regarding the payment of retroactive benefits. In sum, Good has failed to establish that the Board erred in granting summary judgment on her fiduciary duty claim. Therefore, we affirm.

Affirmed.

FRIEDLANDER, J., and KIRSCH, J., concur.