Retirement Benefits

403(b) Plan for all Eligible Employees


The University offers all eligible employees a 403(b) plan, which is a Defined Contribution plan. 

Regular full-time employees and full-time faculty are eligible for participation in the University’s retirement plan. Employees who are not full-time and/or who are not in regular positions may be eligible for retirement benefits in accordance with the rules governing the University’s Defined Contribution retirement plan.

The University may make a discretionary contribution to the Plan, and you have the option of making voluntary contributions on a pre-tax and/or Roth after-tax basis up to the applicable IRS maximums. You may choose from two retirement vendors: TIAA and Fidelity Investments.

For employees hired before January 1, 2016, all contributions made to the plan by you and the University are immediately vested.  For employees hired on or after January 1, 2016, contributions made by you are immediately vested and contributions made by the University are subject to a three-year cliff vesting schedule.  If you leave the University before completing three years of service, you may forfeit the University contribution(s).  

If you wish to enroll or make changes to your retirement contributions, please log into USD Retirement@Work from the MySandiego portal Employee Resources tab. You may contact the Human Resources office to learn more.

Defined Contribution Plan Summary Plan Description

Retirement VendorsTIAA and Fidelity

In order to assist you in planning for your retirement, representatives from TIAA and Fidelity are available for individual counseling sessions. These sessions will provide you the opportunity to discuss your retirement goals and objectives, asset allocation and investment mix, and the tax advantages of saving through the University's 403(b) plan.

To schedule your appointment, please contact the vendor directly by calling the toll-free number listed below or visiting their web site.

TIAA: 1-800-732-8353 or
Fidelity: 1-800-642-7131 or

For more information, please visit the “Employee Resources” tab of the MySanDiego portal.