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403(b) Plan Annual Notice


In Partnership with JEM Resource Partners
Toll Free:  (888) 892-7494 Fax (888) 989-9247
Email:  403b@CalSTRS403bComply.com
Website: www.CalSTRS403bComply.com


403(b) Plan Annual Notice


To All School District Employees:

The New Year is an ideal time to make you aware of your eligibility to participate in your employer’s 403(b) retirement plan.  The 403(b) plan (often called a “tax-sheltered annuity” or TSA) is a voluntary plan that allows you to defer a portion of your paycheck to a retirement plan.  

This is a great benefit offered by your employer to help you bridge your retirement income gap and lower your current taxes.  Under federal tax law, you do not have to pay income taxes on your contributions or account earnings until you take the money out of the plan.

Please read below for details on how to enroll and how easy it is to start saving now. Also explore why it is a good idea to invest for retirement.

Why Do I Need to Save if I have CalSTRS or CalPERS?

Your pension may not replace all of your income in retirement.  The average retiree receives 60-65 percent of their income at retirement.  For example, if your current salary is $5,000 per month and your retirement benefit equals 65 percent of your current salary, you will receive $3,250 each month.  However, CalSTRS research indicates that retirees must receive 90-95 percent of their income in retirement to maintain their current standard of living.  In the above example the member has a shortfall of $1,750 per month.

Why Should I Contribute to a 403(b) Plan?

  • Bridge your retirement income gap
  • Lower your current taxes
  • Easy to start saving now

Important points about your 403(b) Plan:

A)     You may start, stop or change your payroll deduction contribution to the Plan at any time.  The deadline for doing this for each pay period is on the CalSTRS 403bComply website.  Go to www.CalSTRS403bComply.com and click on Plan Descriptions on the left side of the page and then scroll down to the material for your employer.  This will include a simple Summary Plan Description and a payroll schedule.

B)      The limits for 2013 have increased to allow employees under the age of 50 to contribute $17,500 and $23,000 if you are age 50 or over.

C)     There are no other restrictions on your right to make contributions to the Plan.

D)     To see other Plan features for your employer, such as whether your Plan allows Roth 403(b) contributions, go to the Summary Plan Description as described in item A. above.

To make a 403(b) salary reduction election or change online, please follow the instructions below.


  1. Go to www.CalSTRS403bComply.com.
  2. Click on “Login to Retirement Solution” on the left side of the screen.
  3. If you are currently a participant in the 403(b) plan:
    1. Click on “Login.”
    2. Enter your Social Security Number as the User ID and the last four numbers of your Social Security Number for the Password, then click on “Participant.”
  4. If you are not currently a participant in the 403(b) plan:
    1. Click on “Login.”
    2. Choose “New to the System, Enroll Now.”
    3. Enter Your Social Security Number as the User ID.
    4. Enter Your Social Security Number as the User ID and the Plan Password for your employer (this is available online under “Plan Description”).
  5. If you have any problems, please call CalSTRS 403bComply Customer Service at (888) 892-7494.

*If you do not have Internet access or need assistance, please call us at (800) 943-9179 and we can assist you with these services by phone. 

Thank you,

The CalSTRS 403b Comply Administration Team


Fort Bragg Unified School District312 S. Lincoln St.Fort Bragg, CA  95437


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