UNC System Voluntary 403(b) Retirement Program

The University of North Carolina sponsors a system-wide voluntary 403(b) retirement program . TIAA-CREF and Fidelity are the only approved vendors to provide a wide range of services and investment options.  Agreements are in place with VALIC, Lincoln Financial, Horace Mann, and ING, which limits these vendors to offering loans and hardship withdrawal transactions under the system-wide 403(b) plan.
The ENROLLMENT PROCESS is just two simple steps:

Step 1: Complete a  Salary Reduction Agreement (SRA) Form

 Complete the SRA form, print a copy, sign it, and send it to your campus HR/Benefits office.
Remember, you must submit the completed SRA form to your campus HR Benefits office before any contributions can be accepted into your account.

Step 2:  Select Your Investments

You can enroll in the program and select investments through TIAA-CREF and/or Fidelity by following the links below to the 403(b) provider’s online enrollment web site.  
  • Fidelity (click the UNC 403(b) Plan and then ENROLL NOW)
  • TIAA-CREF (select your campus and then ENROLL NOW)



Effective July 1, 2014, the fund lineup for Fidelity and TIAA-CREF will change to a four-tier structure.  The four new tiers are:


  • Tier 1 – Target Date Funds

  • Tier 2 – UNC Risk-Based Models

  • Tier 3 – Core Fund Lineup

  • Tier 4 – Self-Directed Brokerage (Employee-only contributions)


The following documents were mailed to all active and former participants in May 2014: 

Transition Guide

Transition Guide Addendum - Fidelity Model Portfolios

Transition Guide Fund Mapping Appexdix - Core Fund Line-up

Transition Guide Fund Mapping Appendix - All Funds