Supplemental Retirement Accounts

New for 2025! USM Retirement@Work® is live! Log in now!

USM employees have access to USM Retirement@Work®, a new retirement portal that will allow you to make changes to your TIAA and Fidelity Supplemental Retirement Account(s) (SRA’s) online in real time. You will no longer need to use paper forms to enroll in or make changes to your USM Supplemental Retirement Account(s)!

USM Retirement@Work - USM

Not enrolled in a Supplmental Retirement Account yet?

Eligible employees can enroll through USM Retirement@Work® today and start saving for their financial future.

From one website, you can now:

  • Enroll in one or more USM Supplemental Retirement plans through Fidelity and/or TIAA.
  • Research investment options provided by both plan vendors.
  • View your balances for all plans, regardless of vendor.
  • Change your voluntary contribution amounts.
  • Access investment tools and calculators.

Quick Start Guide:

This Quick Start Guide will help you get started using the system.

You may also watch this short video for a step-by-step visual guide to using USM Retirement@Work®.

The cutoff date for changes to go on the first paycheck of 2025 is Thursday, December 19, 2024, at 11:59 PM ET

    • Employees have between December 17th until December 19, 2024, at 11:59pm ET to make changes for the first paycheck of 2025

Please note: all existing contributions will continue for the remaining 12/20 paycheck in the 2024 calendar year. No action is required by employees for their contributions to continue at the current amount into 2025. 

 

Supplemental Retirement Account (SRA) deferral limits for calendar year 2025:

Age Contribution Limit*
49 and under $23,500
50 and over $31,000
*These contribution limits are to either a 401(k) or a 403(b) plan. Contributions up to these maximums can also be made to a 457(b) plan

Special Note: Under a change made in SECURE 2.0, a higher catch-up contribution limit applies for employees aged 60, 61, 62 and 63 who participate in these plans. For 2025, this higher catch-up contribution limit is $11,250 instead of $7,500. Contact your financial advisor for more information.

Resources:

Enroll or Make Changes

TIAA (457b / 403b): Enroll or Make Changes Online

Fidelity (457b / 403b): Enroll or Make Changes Online

MSRP/Nationwide (401k / 457b / 403b): Enroll or Make Changes Online

Retirement Vendor Information

Vendor

Contact Information

Web Address

Meet with Vendors by Appointment
Fidelity 

Paul Vutiprichar
(800) 343-0860
punchai.vutiprichar@fmr.com

 https://nb.fidelity.com/public/nb/usm/home

Click here to schedule an appointment
Nationwide 

Savannah Bellamy
443-468-5038
raths5@nationwide.com

 www.msrp.state.md.us
Account Info Website:
www.MarylandDC.com

Do you already have an account with Nationwide through MSRP and need help with your account? Early & Mid-Career Employees:  Schedule a Call or Virtual Appointment With Your Retirement Specialist, Savannah Bellamy

Are you getting ready to retire or are within 5 years of retirement?

Schedule an appointment with Geoff Flanders

Schedule an appointment with Abby Kuo

 
TIAA Field Support Team
1-800-732-8353		 TIAA Website

Foreign Language Interpreter

 

Click here to schedule an in person (on campus) or virtual appointment with a TIAA representative