Retirement Plans
What's Changing in 2025?
SRA Annual Limits have been increased by the IRS for 2025.
| Age | 2024 | 2025 |
| Under 50 | $23,000 | $23,500 |
| 50 or older by end of year | $30,500 | $31,000 |
Access and Resources
Whether you contribute to Fidelity and/or TIAA, you make changes to your contribution amounts through NetBenefits at: http://www.netbenefits.com/dartmouth OR, click on the ACCESS YOUR RETIREMENT PLANS box on the left side of the screen.
Need Help Navigating the Sytem?
- User Guide - How to enroll in the 401(a) and/or SRA Retirement Plans
- How to Guide - How to Access and manage your accounts online with netbenefits.
Note: Fellows and employees currently earning benefits under the Defined Benefit Retirement Plan or the 403(b) Defined Contribution Retirement Plan are ineligible for this plan.
401(a) Defined Contribution Retirement Plan
Benefits eligible employees age 21 or older are eligible for this plan. Participants receive employer contributions ranging from 3% to 9% of pay depending on their age. Participants direct their contributions to an approved lineup of funds with Fidelity and/or TIAA.
Participants are vested in their account after three years of regular employment, meaning they own their account balance. Participants who terminate employment prior to being vested, forfeit their account balance.
Supplemental Retirement Account (SRA)
Employees can contribute to an SRA up to allowable IRS limits. Participants can make their contributions on a pretax and/or Roth basis, and can start, change, or stop their contributions at any time. Participants direct their contributions to an approved lineup of funds with Fidelity and/or TIAA. Participants are immediately vested, meaning they own their account balance.
Benefits eligible employees hired on or after July 1, 2009 are eligible to receive 100% matching contributions during their first six years of employment up to a lifetime maximum of $3,000. Matching contributions are deposited into the participant's 401(a) account and are subject to the three year vesting.
SRA Contribution Limits
| Age | 2024 | 2025 |
| Under 50 | $23,000 | $23,500 |
| 50 or older by end of year | $30,500 | $31,000 |
Please note that the above limits are individual limits, not employer limits. That means that if you contribute to another employer’s retirement plan during the same calendar year, all contributions count toward your individual limit.
**The $7,500 catch-up contribution limit for participants age 50 or older applies from the start of the year for those turning 50 at any time during the year.
Defined Benefit Retirement Plan
The Defined Benefit Retirement Plan is closed to new enrollees. The Plan is a traditional pension plan funded by employer contributions.
403(b) Defined Contribution Retirement Plan
The 403(b) Defined Contribution Retirement Plan is closed to new enrollees.
457(b) Deferred Compensation Plan
The 457(b) Deferred Compensation Plan is a non-qualified plan available to employees who meet a certain salary threshold which is determined each year. The plan allows eligible highly compensated employees to defer a portion of their compensation up to allowable IRS limits. Newly eligible employees are notified of their eligibility on an individual basis.
- User Guide - Use this guide to enroll in the 457(b) Deferred Compensation Plan
- How to Guide - Use this guide to make changes to your 457(b) contributions and/or retirement provider.
The maximum 2025 contribution limit established by the Internal Revenue Service for eligible employees is $23,500.
Flexible Retirement Option (FRO)
Dartmouth provides a Flexible Retirement Option (FRO) that is designed for eligible faculty members who desire to make a gradual transition from full-time employment to retirement over a period of years.
Individual Financial Counseling Sessions
Individual counseling sessions with Fidelity or TIAA representatives are available to meet with Dartmouth employees. Financial guidance sessions are are available in person, by video conferencing, or by phone.
- To schedule a session with a Fidelity representative, please click on this link: http://getguidance.fidelity.com or call 800-642-7131.
- To schedule a session with a TIAA representative, please click on this link: http://www.tiaa.org/schedulenow or call 800-732-8353.
Contact Information
TIAA
800-842-2252
https://www.tiaa.org/dartmouth
Fidelity
800-343-0860
https://www.netbenefits.com/dartmouth
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