Eligibility: Requires two years of eligible service with Nazareth University, requirement may be waived with prior service credit*

Employee Contribution (required): 2% of base salary (cannot contribute more than 2% to this specific plan)

University Contribution:

• up to 5 years: 5%

• 5+ years: 7%

*Prior service credit toward the two-year waiting period:

• Credit may be applied for those who taught 22 or more credit hours at other institutions of higher education during the previous 12-month period immediately prior to joining Nazareth University. This would credit 1 year of the 2 year waiting period.

• Credit may be applied for those who worked at least 1,500 annual hours at other institutions of higher education during the previous 12-month period immediately prior to joining Nazareth University. This would credit 1 year of the 2 year waiting period.

If consecutive time was taught or worked at other institutions of higher education, the second year of the 2 year waiting period may be waived.
A Prior Service Record form is required for waivers and can be obtained from the Human Resources Benefits office or by emailing BenefitsHR@naz.edu.

Eligibility: Available upon employment or transfer to eligible employment class; staff, faculty, adjuncts who are full time and part time.

Employee Contribution: Any percentage of base pay; contributions subject to IRS annual limits. Employees may change their contribution at anytime for the next payroll cycle. A Salary Reduction Agreement form can be obtained from the Human Resources Benefits office or by emailing BenefitsHR@naz.edu.

University Contribution: The University does not make contributions to the Supplemental Retirement Plan.

Additional Information: Employees who are eligible to make contributions to the Defined Contribution plan can also participate in the Supplemental Retirement plan. Certain in-service withdrawals and loan allowances are available, subject to employee eligibility to request.

• Amount allowed for participants in 2026:

• Individuals who have more than 15 years of service with the University may be eligible for an additional contribution allowance depending on the level of prior contributions. 
• If you want to change the amount of your contribution, or to determine your eligibility to defer additional funds, a Salary Reduction Agreement form can be obtained from the Human Resources Benefits office or by emailing BenefitsHR@naz.edu.
• For more information on the 2026 annual contribution limits, please see the attached flyer.

• Retirement Plan SPD with Supplement
  
• Note: You must be signed in to your Nazareth Google account to view these documents.

Annual Qualified Default Investment Alternative (QDIA) Notices:

QDIA Notice for the Defined Contribution (DC) Plan

QDIA Notice for the Tax Deferred Annuity (TDA) Plan

TIAA-CREF Lifecycle Funds - Fund Fact Sheet

Annual Fee Disclosures:

Nazareth University Retirement Plan

Participants can call 800-842-2776

Monday - Friday, 8 am to 10 pm (EST)
Saturday, 9 am - 6 pm (EST)
Automated service available 24/7

Representatives from TIAA are on campus on a periodic basis to provide individual counseling sessions on investment strategies, long-term investment goals, asset allocation and general retirement and financial planning. 

If you would like to schedule a meeting when TIAA is on-campus or at their College Town office, please call TIAA at 800-732-8353 to schedule.