Supplemental Retirement Accounts

All employees (contractual and regular) are eligible to participate in any of the Supplemental Retirement Accounts (SRA) available through the University of Maryland.

To prepare for a new online portal, we are no longer accepting paper forms. Starting December 17, 2024, you'll be able to access your supplemental retirement accounts through the new Retirement@Work® portal. This new portal will combine all your University System of Maryland retirement savings (403(b) and 457(b) plans) from TIAA and Fidelity into one convenient location.

Step 1: Compare Your Options

Pre-Tax Plans After-Tax (ROTH) Plans

Step 2: Enroll or Make Changes

TIAA (457b / 403b): Information (Online portal coming soon)

Fidelity (457b / 403b): Information (Online portal coming soon)

MSRP/Nationwide (401k / 457b / 403b): Enroll or Make Changes Online

Higher Education Student Loan Annual Election Form

Tools & Resources

Do you want to know how this SRA enrollment will affect your paycheck? Here is a Net Pay Calculator to assist you.

Please note:

Benefits Counselors cannot provide financial advice.
SRA changes take up to 2 pay periods to take effect.
Contributions to SRA accounts must be monitored by the employee to ensure the current year IRS limit is not exceeded.

2024 Contribution Limits

Supplemental Retirement Account (401(k) or 403(b)) deferral limits for calendar year 2024.

Age	Contribution Limit
49 and under	$23,000
50 and over	$30,500

2025 Contribution Limits

Supplemental Retirement Account (401(k) or 403(b)) deferral limits for calendar year 2025.

Age	Contribution Limit
49 and under	$23,500
50 and over	$31,000

Contributions up to these maximums can also be made to a 457(b) plan. Central Payroll limits your contributions to a maximum of 80% of your gross earnings each pay period.

Special Note: Under a change made in SECURE 2.0, a higher catch-up contribution limit applies for employees aged 60, 61, 62 and 63 who participate in these plans. For 2025, this higher catch-up contribution limit is $11,250 instead of $7,500. (see IRS publication) Contact your financial advisor for more information.