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403(b) plan

Welcome to your 403(b) retirement plan. Click below to view the features and highlights of your employer’s retirement plan.

The plan highlights are only a brief overview of the plan's features and are not a legally binding document. The information in this section does not modify the terms of the plan and in the event of a conflict, the terms of the plan control.

Take advantage today

You are immediately eligible to participate in the 403(b) retirement plan.

Starting early has its advantages

Employee contributions

You may contribute as much as 100% of your annual includible compensation up to the maximum IRS contribution limit. 

Contribution limit

Catch-up contributions
You might be eligible to contribute additional catch-up amounts if you meet the following conditions.  

Catch-up contributions


You are always 100% vested in your own contributions.

Accessing your money before retirement

Money can be withdrawn from your 403(b) plan in these events:

  • Attaining age 59½ (employee contributions only)
  • Retirement or separation from service (distributions where the employee retires or separates from service on or after age 55 are not subject to the 10% early withdrawal federal tax penalty)
  • Your death or total disability
  • Hardship withdrawals (employee contributions only)

In addition, you must begin taking distributions once you reach age 70½ or you retire, whichever is later.

Bear in mind that income taxes are payable upon withdrawal. Generally, an IRS 10% tax penalty will apply to withdrawals made before age 59½, unless an exception applies (such as you become disabled, die or retire after attaining age 55.)

Loans are not allowed from this plan

An array of investment choices

You decide how to invest your plan account. The following funds are available in your retirement plan. They provide you with the flexibility you need to create a suitably diversified portfolio that matches your personal retirement time horizon, investment risk tolerance and investment preferences. 

View the entire list of funds and performance available in your 403(b) plan. (Please note, it may take a few minutes to load the performance.) 

To obtain a Portfolio Director prospectus and underlying fund prospectuses, visit or call 1-800-428-2542 and follow the prompts. The prospectuses contain the investment objectives, risks, charges, expenses and other information about the respective investment company that you should consider carefully before investing. Please read the prospectuses carefully before investing or sending money. Policy Form Series UIT-194, UITG-194 and UITG-194P.