Supplemental Retirement Plans (401k, 457, and 403b)

Disclaimer:  Content provided below is based on information received from the following sources and is subject to change:    Teachers' and State Employees' Retirement System (TSERS)UNC System Office, and the Internal Revenue Service.   

Contribution Limits:

Age category 2022 2023
Under age 50: $20,500 $22,500
 Over age 50 catch-up: $6,500 $7,500

The 401k and 403b contributions are coordinated (combined total cannot exceed the maximum).
The 457 contributions are not coordinated with the 401k, nor 403b (total cannot exceed the maximum).  As an alternative to the age 50 catch-up, a participant in the 457 plan is eligible to defer up to twice the contribution limit in effect for the three years preceding the employee’s normal retirement age, subject to eligibility.  Contact the NC Total Retirement agent for more detail. 


UNC System 403(b) Plan UNC System 457(b) Plan State's 457 Deferred Compensation Plan State's 401k Plan
Employees who pay FICA Employees who pay FICA

Full-time, part-time, or temporary employees

Elected or appointed officials

Rehired retired employees

Permanent employees that participate in TSERS or ORP





Instructions (Enroll/Change/Cancel):

Note:  Check with the vendor to ensure your account is established and ready to receive contributions before completing a salary reduction form for new enrollments.  

Send completed forms to:  UNC Charlotte Benefits Office by fax:  704-687-5254, or mail: 9201 University City Boulevard, Room 207, King Building, Charlotte NC  28223

Processing Timeline:

Eligible employees may enroll, change, or cancel contributions for supplemental retirement plans at any time throughout the year, to be reflected in paychecks according to processing deadlines.

  • Deadlines for the Benefits Office to receive hard copy forms, and/or on-line transactions are noted below:
    • 1st day of the month to impact the last check of the month (except new enrollments for 457 plans)*
    • 15th day of the month to impact the first check of the next month
  • Exceptions:  
    • *Contributions for new 457 plan enrollments cannot start until the month after the election is made
    • Contact the Benefits Office if you have special situations

Questions:, or (704) 687-8134  


Fidelity- UNC System 403(b) and 457(b) 

Jared McVey, CRPC®
Director, Retirement Planner
(704) 614-4167 |
Visit to make an appointment

TIAA - UNC System 403(b) and 457(b) 

Peter Kohn 
Financial Consultant  
704-988-1580 |


State's 457(b) and 401k -NC Total Retirement

Rob Sipprell, CRC® 
Retirement Counselor – Education Specialist| North Carolina Total Retirement Plans
704-219-9431 | ​robert.sipprell@

Additional Resources: