NC Teacher and Educator 403(B) Plan

  • N.C. Plans 403(b) Program News:

    In December 2021, after an in-depth analysis and recognizing extremely low participation, the N.C. Supplemental Retirement Board of Trustees decided to discontinue the NC403(b) Program, and focus on the larger, low-cost, and more popular NC401K and NC457 Plans.  All employee payroll deductions have ceased as of June 30, 2022.  All employees with NC 403(b) accounts must close their accounts by September 9, 2022.  Any employee accounts that are not closed by September 26, 2022 will automatically be transferred to the "Default" vendor.

    Contact Empower:  1-866-627-5267 - Empower's Website:

    You can schedule a one-on-one virtual meeting with Ms. Jodie Musselwhite to assist you with plan-related questions, an account review, enrollment, etc. To schedule an appointment, click here Local Retirement Education Manager or email or call (704)219-9432.

    Questions/Payroll Deduction: Ms. Brenda Dixon at (704)296-5315 (IEP#4076) or


    Throughout the year, emails offering assistance with your state retirement (pension plan) are sent out to UCPS employees via employee UCPS work email addresses.  These emails usually start by saying "Each year, as an employee of Union County Schools in N.C. you are eligible to schedule a phone call, teleconference, or in-person meeting off campus with a representative for answers to your specific state, federal and individual retirement benefit questions."  This email is not from a UCPS Benefits Dept. employee or associated with UCPS.

    Employees who want to view their N.C. State Retirement (pension plan) account can go online to and create a user id/password in ORBIT.  All of your information is located in ORBIT.  You can also access the NCTSERS Handbook which contains all relevant information relating to the state retirement.

    Visit our Third-Party Administrator's website to obtain the Authorized Investment Provider listing.

    Plan Administrator/Third-Party Administrator -  TSA Consulting Group, Inc. (TSACG) TSA Consulting Group

    TSA Consulting Group Online Distribution System



    The 403(b) Basics

    403b Wise - This Website was launched in March 2000 by two educators to provide important information to all K-12 employees nationwide.

    Complete a background check on the sales representative to find any disclosures (legal), experience, licenses, location (in-state or out-of-state) etc. Broker Check

    If the sales representative is a designated Certified Financial Advisor (CFA) then ask them to sign a Fiduciary Pledge Advisor Fiduciary Pledge.  If the representative is a Certified Financial Planner (CFP), they have already taken a Fiduciary Oath.  The Fiduciary Pledge is a guarantee that the broker will work in your best interest and not in their best interest.


    2022 IRS Limits:

    Employee's 50 and under can contribute a total of $20,500 to a 403(b) in 2022.

    Employee's 50 and above (by 12/31/22) can contribute an additional $6,500 in 2022 for a total of $27,000.

    If an employee is participating in both a 403(b) and a 401K plan, the contribution limits must not exceed $20,500 (or $27,000 together).  The maximum deferral amount also includes ROTH accounts.

    Rollovers from a previous employer retirement plan does not impact the maximum amount an employee can contribute to this plan.

    UCPS does not offer an employee match for this plan.