Supplemental Retirement Accounts

Voluntary Supplemental Retirement Annuities

With a Supplemental Retirement Annuity, your contributions come from your salary automatically, before you get your paycheck. This contribution to retirement is set up as a tax sheltered annuity, where instead of paying income tax on it now, the tax will be paid on receipt of the funds after retirement. Voluntary Supplemental Retirement Annuities are offered through four vendors. You may direct the contribution to one or several vendors, and you select the account(s) in which your money is invested. These vendors are:


TIAA-CREF has been the leader in providing retirement benefits to those in the academic, medical, cultural, and research fields for over 90 years. To enroll online, go to and click “Enroll Now”  Follow the on screen prompts to create a User ID and password if you do not currently have one.   If you need assistance with enrollment, call TIAA-CREF at 800 842-2888 Monday through Friday, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m. (ET).   TIAA-CREF Financial Consultants are also available for individual appointments on campus.  Please refer to the attached schedule for dates and how to schedule an appointment with a consultant.



More than 10 million shareholder accounts, including over 5 million retirement accounts. Funds are managed by the Capital Research and Management Company. Capital Research and Management Company have more than 60 years of investment experience.

1-800-421-0180, ext. 23


For over 50 years Fidelity has been helping people save and invest for retirement. Fidelity Magellan is one of the world's largest mutual funds. Visit Fidelity on the Internet. To access your account via the internet, you must first activate your account and assign yourself a Personal Identification Number (PIN) that is then used when logging on. After creating a PIN you will receive a confirmation letter from Fidelity. You'll find historical Fidelity fund performance information, interactive worksheets, and an entire area devoted to helping you make the most of the retirement savings plan.



For nearly 40 years, American Century has provided individuals and organizations with a diverse selection of no-load mutual funds. With more than $50 billion in assets under management, they serve more than two million shareholders and provide a wide range of investment options for retirement plan investors.


Supplemental Retirement Annuities offer you an easy and affordable way to accumulate important personal savings for retirement. Your contributions come from your salary automatically, before you get your paycheck - and before taxes are taken out. Because you report less current income, you pay less taxes on your earnings. All of your contributions go straight toward your retirement, free of federal taxes until you begin receiving income later on. Here is an example of how you save:

  Pre-tax Savings Savings in a Taxable Account
Annual Gross Salary $30,000 $30,000
6% of Pay Before-Tax Contribution -$1,800 $0
Taxable Pay $28,200 $30,000
Less 28% Federal Income Tax -$7,896 -$8,400
6% Regular Savings in a Taxable Account (from gross salary) $0 -$1,800
Take-Home pay $20,304 $19,800
Annual Difference in Take-Home pay $504  


**Chart assumes the employee is married and that the standard deduction and personal exemptions have already been taken into account in the spouse's salary.