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CSU 403(b) Supplemental Retirement Plan

Overview

The CSU 403 (b) Supplemental Retirement Plan (SRP) is a voluntary program that allows eligible CSU employees to save toward retirement by contributing to tax-deferred investments. The 403(b) contributions are made solely by the employee through payroll deductions, prior to federal and state taxes being calculated. 

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  • PROGRAM DETAILS
    • Eligible employees may have their contributions automatically deducted from the pay warrant.
    • You can contribute a portion of your compensation as pre-tax elective deferrals or after-tax Roth contributions.
    • Eligible employees can defer a minimum of $15 a month, and a maximum pre-tax/post-tax deduction of $23,000  annually for 2024 (an additional $7,500 if over 50 years old).
    • Complementary Fidelity Retirement Planner Consultations, a Brokerage Link, and Portfolio Advisory Services are some of the Program features.

    For More Program Details:
    CSU 403(b) SRP Plan Features
    Savings Made Easy Brochure

  • ENROLLMENT INFORMATION

    Employees may access enrollment, deferral, and investment information at Fidelity NetBenefits.

  • CONTRIBUTION CHANGE OR REALLOCATION
    • To change the amount you contribute or how your funds are invested, login to your account through Fidelity NetBenefits.

    • The cutoff day to make Contribution changes at Fidelity is the 5th of each month before 9PM (PST), for the next month's pay warrant.

    • Upon retirement or separation, unused vacation pay may be contributed to the 403(b) account by contacting the Payroll Department 90 days before separating or retiring.
    • For additional help, review the Transactions Flowchart.
  • DISTRIBUTION, ROLLOVERS OR OTHER REQUESTS

    If you need a Plan Administrators Signature, please submit your request to CSU Systemwide Benefits through one of the following:

    Online Submission:
    Submit 403(b) Documents

    Fax
    562-951-4695

    Mail
    CSU Chancellor's Office
    Attn: Systemwide Benefits
    401 Golden Shore
    Long Beach, CA  90802

    For additional help, review the Transactions Flowchart (PDF).

    Note: The standard turnaround time for Plan Administrator Signature is five business days.

  • CATCH-UP ALLOWANCE
    • You may be eligible for the 15-Year and/or Age 50 Catch-Up Contribution Allowance.
    • If an employee qualifies for both the 15-Year and Age 50 Catch-Up, the 15-Year Catch-Up must be exhausted before the Age 50 Catch-Up is applied.
    • Employees must demonstrate eligibility by completing the 2024 Special Catchup Worksheet and returning it to the OHR Benefits Office.
  • LOANS & HARDSHIP WITHDRAWALS
  • FEES
  • DUAL PARTICIPATION

    Employees may make maximum contributions to a 403(b) plan and a 457 plan. For example, for tax year 2024, a participant could elect to contribute up to $23,000 to a 403(b) plan AND up to $23,000 to a 457 plan, for a total contribution of up to $46,000. However, contributions to a 403(b) plan are offset by any contributions to a 401(k) plan in the same tax year.  Employees contributing to both a 403(b) and a 401(k) plan are restricted by IRS regulations to a combined total of $23,000.

    Each employee is responsible for their own calculations and to make sure the IRS limits are not exceeded.

  • ENROLLMENT PROCESS

    Online Enrollment (Plan ID# 50537):
    Fidelity NetBenefits

    CSU Enrollment Form:
    CSU 403B Enrollment Form

    NOTE:  Completed Form is returned to OHR Benefits Office - NOT Fidelity


RESOURCES

Schedule a One-On-One Meeting
Online Webinar
Resource Flyer
Plan Basics
Summary Plan Description

EDUCATIONAL MATERIALS

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Protect Your Account Checklist (Spanish)
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ADDITIONAL INFORMATION

Contact Fidelity at 877-278-3699
Visit the CSU Fidelity website