Please select your plan from the tabs below for more information about your plan and to gain access to your plan forms. If you have any questions or need assistance please contact us.
A 403(b) is a retirement savings plan generally offered by public schools and other tax-exempt organizations that allows employees to make contributions on a pretax or post-tax basis. Most plans allow you to start, stop, increase or decrease contributions at any time. The employer determines the investment providers and employees must open an account with one of those providers to contribute. Employers may also make contributions on behalf of employees.
Eligibility is determined by your employer, so please review your Plan Description on the website menu or contact TCG Administrators to determine if you are eligible to participate in the Plan.
You elect the amount you wish to defer from your gross salary each pay period. The amount you elect to defer is withheld from your paycheck each pay period.
You. Please see your Plan Description to see if your Employer makes contributions and, if so, how contributions are made.
You may join the Plan at any time by choosing “Login” on the menu and clicking "New to the system? Enroll Now!". You will need your Social Security Number and the plan password provided on the Plan Description for your employer. The Plan Description can be found on our website by choosing “Plan Description” from the menu.
If you are changing your elections for the first time, you will need to enroll by choosing “Login” on the menu and clicking "New to the system? Enroll Now!". You will need your Social Security Number and the plan password provided on the Plan Description for your employer. The Plan Description can be found on our website by choosing “Plan Description” from the menu. The elections you make during the enrollment process will take the place of your current elections.
If you have already enrolled on our system, you can make future changes online by clicking the “Login” button on the menu and accessing your account.
The following transactions can be made online:
- Contribution Amount
- Investment Allocation Percentages
- Attainment of age 59½
- Termination of Employment
- Hardship (if allowed by your plan, see your Plan Description)
- Receive a lump sum distribution (subject to ordinary income tax)
- Rollover your account balance to an Individual Retirement Account (IRA) or other tax qualified vehicle.
- Some vendors and products allow payments in the form of a monthly annuity or periodic payments.
The Internal Revenue Code allows distribution of funds upon termination of service with the participating employer under the options listed above.
The later of when you retire or reach age 70½.
You can change your salary reduction at any time online by logging on to your account.
You can stop your salary deferrals at any time online by logging on to your account.
You may begin contributing again to the Plan at any time online by logging on to your account.
Your Employer contracts with TCG Administrators to provide administrative, and communication services to participants. TCG Administrators is the main contact for participants. You can find out how to contact TCG Administrators by choosing "Contact Us" from the menu. (Note that if your employer is a nonprofit organization with a 403(b) plan not covered by “ERISA,” neither your employer nor TCG Administrators can exercise discretionary authority over certain aspects of the administration of the Plan. Check your Plan’s Summary Plan Description (Plan Description or SPD) to see if this applies to your Plan.)
You decide the amount that you want to contribute. Please keep in mind that there are limits imposed under the Internal Revenue Code. The maximum amount you can contribute during each calendar year is up to 100% of your includable compensation or the maximum listed in the table below, whichever is less.
|Maximum Yearly Contribution|
Catch-up contributions in 403(b) plans operate under the following rules:
- At age 50, you become automatically eligible to contribute an additional $6,000 per year.
- If you are not 50 years of age or older, and have 15 years of service with your current employer, and have not contributed more than an average of $5,000 per year, you may be eligible to contribute an additional $3,000 per year, depending on your use of the age 50 catch-up.
- The lifetime limit for Catch-up contributions based on years of service is $15,000.
- For your convenience, TCG Administrators has provided a Maximum Allowable Contribution form, to aid you in calculating your Catch-Up contribution. It can be found in the 'Forms' section above.
Your contribution will be remitted to the available investment providers based on the percentage allocation or dollar amount you choose. Not all Plans allow percentage contributions – the TCG Administrators online system will allow you to use the option available under your Plan.
For plans of public school employers, specific investment elections will need to be chosen through the investment providers. For more information about specific products you will need to contact your investment provider.
For all other plans you will be able to make your investment elections by logging into the TCG Administrators online system.
For plans of public school employers, specific investment elections will need to be chosen through the investment providers. For more information about the investments available in a specific product you will need to contact your investment provider.
For all other plans please check the Vendor List under Plan Description on the men for instructions.
For Texas Public School Employers
The Texas Teachers Retirement System (TRS) is authorized by the Texas Legislature to determine 403(b) vendors and products that are available to public school employees. You are not allowed to select a vendor or product not authorized by TRS. Certain "grandfathering" applies. If you have any questions about this please contact TCG Administrators.
For California Public School and Community College Employers
The California State Teachers Retirement System (CalSTRS) is authorized by the California Legislature to determine 403(b) vendors and products that are available to public school employees. You are not allowed to select a vendor or product not authorized by CalSTRS. Certain "grandfathering" applies. Go to the 403bCompare website for more information. A link can be found under "Resources" on available vendors.
For All Other Employers
For all other plans please check the Vendor List under Plan Description on the menu.
For Public School Employers
Investment providers who choose to cooperate fully with the information sharing requirements of the plan will have information available for you by logging in to your account.
Investment providers who do not fully cooperate with the information sharing agreements of the plan may display zero balances. You will need to contact those investment providers for more information.
All funds are ultimately invested at the investment providers and you may still need to contact them for certain information.
For All Other Employers
You can see your investments through the TCG Administrators website. If you need help please call TCG Administrators Customer Service.
TCG Administrators is the Administrator and handles the ongoing administration of the Plan. See your Plan Description for fees specific to your organization.
For plans of public school employers, you will need to contact your investment provider to determine their fees. Fees for allowable vendors and products are also displayed on the TRS website.
For all other employers, the fees are displayed by clicking on the link to investment information beside each investment option on the TCG Administrators website.
Your designated beneficiary(ies) will receive the full value of your account. Your beneficiary(ies) must contact TCG Administrators to apply for a distribution.
See your Plan Description, available from the menu, to find out if loans are allowed in your plan. Keep in mind that your Plan and/or investment provider may not allow loans.
For further information on loans, please contact TCG Administrators at 800-943-9179.
For plans of public school employers, if the company is an active vendor in the Plan, depending on vendor rules and restrictions, you may be able to "exchange" your funds into a different annuity or investment account with another vendor.
For all other plans you can make any type of investment change on the TCG Administrators website.
To get more information about the Plan or enrolling in the Plan, please contact TCG Administrators at 800-943-9179, or visit the other areas of this website.