403(b) Roth Plan

Eligibility

All full-time and part-time employees who are at least 21 years of age are immediately eligible to contribute to the Roth 403(b) Plan. Roth 403(b) contributions are after-tax only.

How to Enroll

• Step 1: Complete the403b Retirement Authorization For Payroll Deduction & Vendor Selection Form. This form has your contribution percentage amount that is taken from your paycheck. Fill in the form and return it to the Benefits Department. This form will be processed as soon as administratively possible when received for the next pay period to be deducted.

• Step 2: Complete an enrollment for each vendor you select either on their web site or by phone.

• Fidelity: (800) 343-0860
  Under ACCOUNT ACCESS, select NEW USER; enter your SSN. From there, you are presented with a series of questions to set up the account. You then select your funds.
  • Loans are available with Fidelity and subject to terms. Please contact Fidelity for information.
• Vanguard: (800) 523-1188
  On the web site, go to PERSONAL INVESTORS; then SIGN UP FOR ACCESS. Check the box of Employer Sponsored Plan. The Plan number for Vanguard is 091326. From there, you are presented with a series of questions to set up the account. You then select your funds.
• TIAA-CREF: (800) 842-2888
  For TIAA CREF go to  www.tiaa-cref.org/emory. Click on the ENROLL NOW button in the right corner. Next, select the link for the plan(s)* you wish to enroll in: (Do not change the access code)
  • Emory Basic Retirement Plan
  • Emory Group Supplemental Plan (Voluntary Contributions GSRA)
  • Emory Group Supplemental Plan (Voluntary Contributions RA)
• From there, you are presented with a series of questions to set up the account.
• Make sure to choose your funds as you walk through the enrollment.

* please note that the Emory Basic Plan is the first 1% and 2%.

• Loans are available with TIAA-CREF on the GSRA contract only and is subject to terms. Please contact TIAA-CREF for information.

• Step 3 Select funds from the Investment Performance Chart or contact a vendor(s) to schedule a counseling session from Retirement Plan Counseling. If you do not select funds right away, you default into the default fund for the vendor you chose.

How to Make Changes to the Plan

You can change your contribution amounts through Employee Self Service. To change your allocations and funds with your vendors, go to your retirement vendor account online.

How to Change Your Beneficiaries

Contact your retirement vendor for changes to your beneficiaries.

Vendor Contacts

Fidelity Investments
(800) 343-0860
www.mysavingsatwork.com/atwork.htm

Vanguard
(800) 523-1188
www.vanguard.com

TIAA CREF Financial Services
(800) 842-2888
www.tiaa-cref.org

Accessing Funds in Your Retirement Plan While Employed

If you need to take a distribution from your retirement plan while you are an Emory employee, there are several options:

•   Plan Loan: Enables participants to withdraw fundson supplmental monies only that may be used to cover certain medical or educational expenses, or to purchase a primary residence. Plan loans are repayable through ACH and do not require participants to cease participating in the plan during the term of the loan. No penalties are assessed for accessing your money. (TIAA-CREF and Fidelity ONLY)

•   Hardship Withdrawal: Enables participants to withdraw funds to cover certain medical and some educational expenses or home purchase or repair items. Hardship withdrawals do not require repayment, but are subject to IRS penalties for early withdrawal and are taxable to the participant. Hardship withdrawals also require that participants cease participation in the plan for six months.

•   In-Service Withdrawal: Enables employees who have reached 591/2 years of age to withdraw funds. Withdrawal requests are not subject to IRS penalties for early withdrawal and do not require participants to cease participation in the plan. Withdrawals are taxable to the participant at the time they are received.

Contact the Benefits Department to learn about options for accessing funds in your retirement plan while employed at Emory. Accessing funds while employed will require you to complete forms and submit them to the Benefits Department for approval and processing.

Plan Information Documents

Investment Performance Chart	403(b) Roth FAQs
Retirement Counseling	Guide to Life Beneficiary and 403(b) Changes
403(b) Summary Plan Description

Plan Forms

403b Retirement Authorization For Payroll Deduction & Vendor Selection Form

Emory University Benefits

Hours of Operation: Monday through Friday from 8:00 a.m. to 5:00 p.m.
1599 Clifton Road, NE
Atlanta, GA 30322
(404) 727-7613

Disclaimer

Emory reserves the right to terminate, suspend, withdraw, amend or modify the Plan in whole or in part at any time. Further, Emory reserves the right to terminate or modify coverage for any group of employees, active or retired and their dependents or a class of dependents at any time.