Benefits

Voluntary Supplemental Retirement Plans

CSU employees can boost their retirement savings through voluntary 403(b), 401(k), and 457(b) plans. These plans are available through Fidelity and Savings Plus, and offer flexible, tax-advantaged ways to save more for the future.

Fidelity Plan

The 403(b) plan, offered through Fidelity, is a flexible way to grow additional retirement savings beyond your pension. Employees can choose pre-tax or Roth contributions and manage investments online.

Visit the Fidelity Website

Savings Plus Plans

Savings Plus offers 401(k) and 457(b) plans with pre-tax or Roth contribution options. These plans are designed to help employees build long-term savings alongside their CalPERS pension.

Visit the Savings Plus Website

How This Plan Works

The CSU 403(b) Supplemental Retirement Plan, administered by Fidelity, is a voluntary savings option designed to help you build additional income for retirement. Whether you’re early in your career or approaching retirement, the plan offers tax-deferred and Roth (after-tax) contribution options. You have full control over how much to contribute, how your money is invested, and when to make changes—all through the Fidelity NetBenefits platform.

More Information About the 403(b) Plan

Who is Eligible?

All CSU employees are eligible, regardless of time base. Rehired annuitants may also participate.

How to Enroll

Create or manage your account at Fidelity NetBenefits.

Fresno State Representative

Jon Lee
Workplace Financial Consultant - Fidelity
jon.lee@fmr.com
669.345.4485

How These Plans Work

The State of California’s Savings Plus Program offers CSU employees the option to enroll in a 401(k), 457(b), or both. These plans are flexible, tax-advantaged savings tools that can help you grow your retirement income over time. You can choose between pre-tax or Roth contributions and manage your account entirely online through the Savings Plus website. Plan eligibility and contribution options may vary slightly by employee classification.

Compare the 401(k) and 457(b) Plans

Who is Eligible?

401(k): All CSU employees, including rehired annuitants
457(b): Eligibility depends on your classification and time base

How to Enroll

Visit Savings Plus Program to enroll or manage your account.

Fresno State Representative

Brian Hinton
Investment Analyst - Savings Plus
brian.hinton@calhr.ca.gov
855.616.4776

2025 Contribution Limits

Plan Type	Annual Limit	Catch-Up (Age 50-59 & 64+)	Catch-Up (Age 60-63)
403(b)	$23,500	+$7,500	+$11,250
401(k)	$23,500	+$7,500	+$11,250
457(b)	$23,500	+$7,500	+$11,250

💬 457(b) plans also offer a special Traditional Catch-Up for missed contributions in prior years.

Need to Distribute or Rollover your 403(b)?

Forms for a full or partial distribution or a request for a rollover to an IRA, require a signature from the Chancellor's Office pursuant to the 403(b) plan document and IRS guidelines.

An active employee or retiree may submit their request for distribution or rollover to the Chancellor's Office via:

Online: www.calstate.edu/403submit

Mail: CSU Chancellor's Office
Attn: Systemwide Benefits
401 Golden Shore
Long Beach, CA 90802

Fax: (562) 951-4695

For additional questions, please contact the Chancellor's Office at (562) 951-4647