403(b) and 457(b) Voluntary Retirement Savings Plans

KSU offers a 403(b) and 457(b) plan as voluntary retirement savings plans to supplement your TRS or ORP enrollment. These plans are available to part-time and full-time employees. You may elect to contribute pre-tax contributions to the 403(b) or 457(b) plans or after-tax Roth contributions to the 403(b) plan.

2022 Maximum Contribution Limit: $20,500
Age 50 Catch-up: additional $6,500

    • Reduces current income tax liability;
    • Contributions and earnings grow tax-free;
    • If you think your tax liability is more now than what you think it will be in the future or upon retirement, a pre-tax savings plan may be more advantageous
    • Since contributions are made after-tax, eligible retirement withdrawals are tax-free;
    • Earnings grow tax-free;
    • You may want to invest in this plan if you think your tax liability will be higher in the future than it is today or if you have a long time to invest until your retirement
  • 403(b) plans allow more withdrawal options if you need to get money out prior to separation of service; penalties apply if you are under age 59 ½ except for loan withdrawals

    457(b) plans allow more withdrawal options after separation from service; penalties do not apply to withdrawals after separation of service

    Investment options are similar in both plans: 403(b) and 457(b) Plan Comparison Chart


    Log-in to the Retirement @ Work portal through OneUSG Connect to enroll.

403(b) & 457(b) Vendor Resources

Campus Visit Schedule & Retirement Vendor Contact Information

TIAA Financial Education Web Seminars

TIAA-CREF Roth Option Information