University of Delaware 403(b) Retirement Savings Plan


All University employees, with the exception of student workers

Plan Administrator

University of Delaware through TIAA.


Participants who are eligible for matching contributions from the University, hired on or after January 1, 2018, are subject to a five-year vesting schedule on UD contributions effective from the date of hire. 

Participants who are employed prior to January 1, 2018 are, at all times, 100% vested in their (University) contribution accounts.

University Contributions

Full-time faculty and exempt staff (not participating in the State Employees’ Pension Plan), are eligible for University matching contributions.

Effective January 1, 2018

If you contribute The University contributes  
4% 11%  
3% 6%  
2% 4%  
1% 2%

Effective July 1, 2018

If you contribute The University contributes  
5% 11%  
4% 8%  
3% 6%  
2% 4%
1% 2%


Employees must enroll, and choose their salary contribution level through TIAA.

This plan is not subject to an open enrollment period. Employees may enroll and change elections at any point in the year.

Plan Features


For 2018, the annual maximum on employee elective deferrals is $18,500.  Employees who are age 50 or over can also make catch-up contributions of $6,000.  The annual maximum on employee plus employer contributions is $55,000.

For additional information, visit the IRS website.

Additional information for full-time faculty

Please see the AAUP Collective Bargaining Agreement for provisions in regard to summer supplemental contracts for nine, ten and eleven month appointments.


Please see additional information about the retirement plan transition to TIAA.

Summary Plan Description

Coming soon

Loans, Hardship withdrawals, Retirement, In-service distributions

Please contact TIAA for additional information.


Legacy Accounts     Fidelity Investments