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Why enroll now?

Your journey to financial freedom starts here. Learn how easy it is to start taking advantage of the benefits available to help you reach your retirement goals.

Here is what to expect

To make enrollment simple, some initial selections have been made. You will always have the option of updating them once you’ve enrolled.

Initial selections for your 457(b) or 403(b) plan:

  • Contribution rate: 3% and you can easily increase/decrease to see the impact to your paycheck
  • Investment fund: Target Date Fund (based on retiring at age 65)

When you are ready to enroll, you’ll need your:

  • Social Security number
  • Gross income (annual or monthly)
  • Pay frequency

Plan types available

Review the options that may be available in your plan1

  403(b) 457(b) Roth 403(b) Roth 457(b)
Taxation Contributions are made pretax, reducing your taxable income. Taxes are paid on withdrawals, typically in retirement when you’ll probably be in a lower tax bracket. Contributions are made with after-tax dollars. Qualified withdrawals — including earnings — are tax free.2
Standard distributions
  • Separation of service/retirement
  • Attainment of age 59½3,4
  • Age 73 required minimum distribution
  • Separation of service/retirement
  • Attainment of age 59½3,4
  • Account must be opened for 5 consecutive years
Life event distributions
  • Hardship
  • Disability
  • Death
  • Emergency expense
  • Unforeseeable emergency 
  • Death 
  • Emergency expense
  • Hardship
  • Disability
  • Death
  • Emergency expense
  • Unforeseeable emergency
  • Death
  • Emergency expense
What are the contribution limits?5
  • Normal contribution limit: $24,500
  • Age 50+ catch-up: +$8,0006
  • Age 60 – 63 catch-up: +$11,2506

Limits apply separately to 403(b) and 457(b) retirement plans, so you may contribute the full amount to both plans in the same year.

Additional catch-up contributions may be available. Speak with a rep for more details.

You can contribute the annual standard contribution limit to both the 457(b) and the 403(b) plan in the same year.
Maximum contribution permitted7.

Enroll now
There are IRS limits to the standard and catch-up deferrals you can make to your plan.
See the limits
[1] Available plans vary per district.
[2] Generally, a Roth 403(b) or Roth 457(b) distribution is a qualified distribution, including earnings, if 1) the first Roth contribution has been in the account for 5 years (the 5-year period begins January 1 of the year a member first makes a Roth contribution into the account); and 2) a member is age 59½ (and for the Roth 457(b) has separated from service) or has died or become disabled under IRC Section 72(m)(7). Distributions made prior to these requirements being met are nonqualified distributions, and earnings could be taxable. State tax may apply.
[3] A 10% early distribution fee may apply prior to age 59½ unless you are over age 55 and fully retired from the district.
[4] “Nonqualified distributions from Roth 403(b) incur a 10% early withdrawal penalty, and earnings are taxable as ordinary income. Nonqualified distributions from Roth 457(b) do not incur a 10% early withdrawal penalty, but earnings are taxable as ordinary income.
[5] “401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500,” IR-20 25-111, Internal Revenue Service (Nov. 13, 2025).
[6] Starting in 2026, if you are age 50 or older and earned more than $150,000 in FICA wages in the prior year, any age-based catch-up contributions you make must be made as Roth (after-tax) contributions. This change is required by the SECURE Act 2.0 to comply with IRS rules. MCW Form (Maximum Contributions Worksheet) and a copy of W-2 are required for any catch-up contributions.
[7] "How Much Salary Can You Defer if You’re Eligible for More than One Retirement Plan?" irs.gov/retirement-plans/how-much-salary-can-you-defer-if-youre-eligible-for-more-than-one-retirement-plan (accessed Oct. 4, 2023). If you have multiple retirement plans, there may be a limit to the amount you can contribute among them. Call us to learn more.