Supplemental Retirement Accounts

Employees may use the USM Retirement@Work portal to manage TIAA and Fidelity supplemental retirement accounts. 

MSRP’s vendor changed from Nationwide to Empower. MSRP accounts are still managed online via the MSRP website.

 

Need assistance logging in?

Please call the USM Retirement@Work dedicated phone center: 1-844 567-9090 (available weekdays from 8 a.m. to 10 p.m. (ET).

USM Retirement@Work myUMBC post (12/16/2024)

2025 Online Salary Deferral Calendar

Want more information? Check out this webinar from HRSTM Week 2025:

Managing Your Retirement Savings: An Overview of Supplemental Retirement Accounts and the new USM Retirement@Work portal (36 mins)

TIAA USM website

TIAA Customer Service: 1-800-842-2252

Fidelity USM website

Fidelity Customer Service: 1-800-343-0860

 

Account Types and Tax Charts

Available account types: 401k, 403b, and 457b

2026 Pre-Tax Comparison Chart

2026 ROTH Comparison Chart

Contribution Limits memo

2025 Contribution Limits memo

 

TIAA

FIDELITY

MSRP (Maryland Supplemental Retirement Plans)