UNC Code Section 403(b) Program

The University of North Carolina sponsors a system-wide voluntary 403(b) retirement program. TIAA and Fidelity are the only approved vendors and provide a wide range of services and investment options. Agreements are in place with VALIC, Lincoln Financial, Horace Mann, and ING that limit these vendors to offering loans and hardship withdrawal transactions under the system-wide 403(b) plan.

Please note: An aggregation of 403(b) and 401(k) plan contributions must be made if you participate in more than one supplemental plan during a calendar year. For example, if you contribute to the 401(k) plan in addition to the 403(b) plan, the combined amount of the contribution to both plans cannot exceed the elective deferral plan limit each year. The age 50 catch-up is also a combined amount between the 401(k) and 403(b) programs. Contributions to a 457(b) deferred compensation plan are not aggregated with 403(b) or 401(k) plan limits.

403(b) Program Information

The fund lineup for Fidelity and TIAA has a four-tier structure:

  • Tier 1 – Target Date Funds
  • Tier 2 – UNC Risk-Based Models
  • Tier 3 – Core Fund Lineup
  • Tier 4 – Self-Directed Brokerage (employee-only contributions)

Enrollment Process

Complete the Salary Reduction Agreement Form (SRA), print a copy, sign it, and send it to your institution’s HR/Benefits office.

Remember, you must submit the completed SRA to your institution’s HR Benefits office before any contributions can be accepted into your account.

You can enroll in the program and select investments through TIAA and/or Fidelity.

  • Fidelity (click the UNC 403(b) Plan and then ENROLL NOW)
  • TIAA (select your institution and then ENROLL NOW)

Enrollment Form

Booklets

Investment Performance

Important Notices

Plan and Legal Documents

Universal Availability Notices

403(b) Archival Information

Transition Documents 2014

 

Investment Performance

Important Notices

Universal Availability Notices

Plan and Legal Documents

New Employee?

Download the New Employee Enrollment Guide provided by the State Health Plan.

Thinking about Retiring?

Check out the UNC Retirement Planning Guide.

Did you Know?

The UNC System offers hundreds of online degree programs. 

Need Confidential Help?

The Employee Assistance Program (EAP) is available for free and confidential consultation about work or personal/family issues.