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.
2026 Catch-Up Contribution Requirement
Starting January 1, 2026, employees age 50 or older who make catch-up contributions and earned $150,000 or more in 2025 must make those contributions on a Roth (after-tax) basis. This is a federal requirement for 403(b), 401(k)
Learn MoreUpdates and Announcements
- Empower Transition: The Maryland State Employees Supplemental Retirement Plans (MSRP), including 457(b), 401(k), 403(b), and 401(a), moved from Nationwide to Empower effective September 18, 2025. New Empower accounts must be registered, and you should confirm your address, set preferences, and update beneficiaries.
- Retirement Portal: UMD employees now enroll and make changes to Fidelity and TIAA accounts through the new Retirement@Work Portal. You no longer need paper forms for these accounts.
Step 1: Compare Your Options
Step 2: Enroll or Make Changes
MSRP
457(b)
- Group ID: 100746-01
- Plan Code: o5kweFcu
401(k)
- Group ID: 100746-02
- Plan Code: vvzf1SQi
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.
- Contributions to SRA accounts must be monitored by the employee to ensure the current year IRS limit is not exceeded.
2026 Contribution Limits
| Contribution Type | 2026 Contribution Limit | 2026 Total |
|---|---|---|
| Standard Contribution | $24,500 | $24,500 |
| Catch-up Contributions (Age 50+)* | $8,000 | $32,500 |
| Enhanced Catch-up (Age 60-63)* | $11,250 | $43,750 |
- Supplemental Retirement Account (401(k), 403(b), 457(b)) deferral limits per IRS publication: IR-2025-111.
- Central Payroll limits your contributions to a maximum of 80% of your gross earnings each pay period.
*Employees who make catch-up contributions and earned $150,000 or more in 2025 must make those contributions on a Roth (after-tax) basis. Contact your financial advisor for more information.
| Age | Contribution Limit |
|---|---|
| 49 and under | $23,000 |
| 50 and above | $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.
Schedule a Virtual Appointment
TIAA
Customer Service
800-842-2776
Jahleel Gordon
301-280-5524
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866-843-5640
Fidelity
Customer Service
800-343-0860
Punchai “Paul” Vutiprichar
202-604-3842
Schedule an Appointment
800-642-7131