403(b) Retirement Plan

Planning for retirement is an important part of financial wellness. The USD 403(b) Plan, administered by TIAA or Fidelity, offers a variety of investment options so you can start saving now.

403(b) Contributions

To help your savings grow, USD contributes 10% of your eligible salary to your elected vendor (TIAA or Fidelity) each year. Contributions begin on your effective date of eligibility.

You may also choose to make pre-tax and/or Roth after-tax contributions to your 403(b) account, up to the annual IRS maximums.

If you do not actively elect an investment provider, the default provider is TIAA. Employees may elect a provider online through the USD Retirement@Work site available on the MySanDiego portal Employee Resources tab under “Benefits Quick Links.” The T. Rowe Price target date fund is the Qualified Default Investment Alternative (QDIA) for participants who do not actively elect investment options for their retirement funds through TIAA and/or Fidelity. However, employees may choose their own investment lineup within the plan at any time.

Looking for some guidance? Representatives from TIAA and Fidelity are available for one-on-one counseling appointments.

Get Started, Update, and Keep Track of Your 403(b)

Log in to USD Retirement@Work from the MySanDiego portal Employee Resources tab.

With Retirement@Work, you can:

  • Start, stop, or change your salary deferrals
  • Add or switch vendors between Fidelity and TIAA
  • Add or switch between pre-tax 403(b) contributions and after-tax Roth contributions

Make sure to also register with your provider at www.tiaa.org or www.netbenefits.com/atwork to be able to make these changes:

  • Input or change your beneficiary information
  • Select or update your investment fund choices
  • Update your account preferences, such as your email and address, and how you receive your financial materials, whether in a physical copy or electronically

This page gives a brief overview of USD’s 403(b) Retirement plan. For additional plan details and documents, please visit the mySanDiego portal Employee Resources tab.

Documents