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College-Paid Retirement Account

(Defined Contribution Plan)

The ����������Ʒ�Ƽ� Retirement Plan is a defined contribution plan that operates under Section 403(b) of the Internal Revenue Code. ����������Ʒ�Ƽ� has two retirement vendors, The Teachers Insurance and Annuities Association (TIAA) and Fidelity Investments.

����������Ʒ�Ƽ� contributes 9.5 percent of the salary up to the Social Security wage base ($176,100 for 2025) and 12.5 percent over the Social Security wage base up to the Internal Revenue Code limit. The employee is 100 percent vested in this plan after three years of employment.

Employee Contribution Retirement Account

(Tax-Deferred Annuity Plan)

The Employee Contribution Account is an account into which an employee may make voluntary pre-tax contributions to save for retirement. As such, the total amount of contributions made for any year cannot exceed the limits imposed by section 415 and section 403(b) of the Internal Revenue Code.

You have the choice of opening an account with TIAA or Fidelity.

Eligibility

• College-Paid Defined Contribution Plan: Once an employee works in a regular position for ����������Ʒ�Ƽ� for one year (worked at least 1,000 hours/year), the college opens a college-paid plan for the employee. The employee is 100 percent vested in the college-paid annuity after three years of employment.
• If you were eligible to receive employer contributions under a 403(b) defined contribution retirement plan maintained by an accredited institution of higher education within the one-year period immediately preceding employment at ����������Ʒ�Ƽ�, the one year waiting period may be waived. To secure such a waiver you must complete the “” and submit a pay stub or attestation from former employer.  
• ����������Ʒ�Ƽ� Tax Deferred Annuity Plan: This plan allows employees to defer pretax money from their paychecks into a retirement account, and it is open to all employees. Participation may begin shortly after employment begins at Contact Human Resources for more information about beginning or changing a deferral into the TDA plan.

Retirement Planning Resources

the ����������Ʒ�Ƽ� Retirement Planning website (both Fidelity and TIAA).

Vendor Information

Appointments

Representatives from our retirement vendors are on campus once a month to provide one on one appointments with employees.

• Fidelity: To schedule an appointment with our representative, visit the or call 800-642-7131.
• TIAA: To schedule an appointment with our representative, visit the or call 877-267-4505, ext. 0.

Contact Information

Fidelity
800-343-0860

TIAA
800-842-2776

Plan Administrator

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Documents and Forms

General Documents

• (PDF)
• (PDF)

College-Paid Retirement

• ����������Ʒ�Ƽ� Defined Contribution Plan (PDF)
• (PDF)
• (PDF)
• Qualified De/media/273fault Investment Alternative (QDIA) Annual Notice (PDF)
• (PDF)

Employee Contribution Retirement

•  (TDA) Plan (PDF)
• (PDF)
•  (PDF)
•  (PDF)