In this section, you will find all of the information you need to make an informed decision about your employee retirement options.

Retirement Benefits Overview

UMGC retirement plans are based upon exemption status and employment classification, and for certain segments of our workforce, programs and participation are mandatory under state law. In addition to these state-mandated programs, UMGC offers supplemental retirement annuity (SRA) plans through several providers. These plans are open to all employees.

Supplemental Retirement Annuity Information—All Employees

All employees are eligible to participate in any of the supplemental retirement annuity (SRA) plans offered by the following providers: Fidelity Investments, TIAA and Maryland Supplemental Retirement Plans (MSRP) - Nationwide. Participation in an SRA is voluntary, and you may enroll at any time. The plans offered are:  403b, 457b, 401k, Roth 457b, and Roth 401k.

Contributions to your SRA are deducted from your salary on a pre-tax basis and may be changed at any time during the year.

To enroll in Fidelity Investments and/or TIAA, complete the appropriate USM Salary Reduction Agreement and Deduction Authorization Form for the vendor and plan of your choice (see below). Once your account is established, you will be placed in an age-appropriate Life Cycle Fund. The vendor will then mail you a welcome packet with contract information and instructions on reallocating your funds. For MSRP-Nationwide, you may allocate your funds upon enrollment.

Vendor Information and Enrollment Forms


Bring all questions regarding benefits and retirement enrollment with you on your first day.