Mandatory Retirement Plan Enrollment Information
Enrollment in a retirement plan is mandatory for all regular employees and 12-month collegiate faculty. For information about the programs that are available to you, select your employment status below. (Please refer to your appointment letter for employee status information.)
Non-exempt employees must enroll in the . You will be required to complete this election within your first week of employment. Elections are made online in UMGC .
Exempt employees may enroll in either the or the Optional Retirement Plan (ORP) offered through one of two providers: or . You will be required to complete this election within your first week of employment. Elections are made online in UMGC .
Modified Employees Pension System
Optional Retirement Plan
12-month faculty may choose either the or the Optional Retirement Plan (ORP) offered through one of two providers: or . You will be required to complete this election within your first week of employment. Elections are made online in UMGC .
Teacher Pension System
Optional Retirement Plan
Supplemental Retirement Annuity Information—All Employees
All UMGC employees are eligible to participate in Supplemental Retirement Accounts (SRAs) with one or more of the following SRA plans:
- 403(b) – Pre-tax, post-tax, and Roth options
- 457(b) – Pre-tax, post-tax, and Roth options
- 401(k) – Pre-tax, post-tax, and Roth options
Approved Vendors for SRA Participation
- (Stateside Employees Only)
2025 Contribution Limits
- For the 2025 calendar year, employees may contribute up to $23,500 annually to their SRA accounts. Additional contributions are permitted for individuals who meet the following age-based criteria:
- Employees aged 50 or older may contribute an additional $7,500
- Employees aged 60 through 63 may contribute an additional $11,250 (special catch-up provision)
Maximum Contribution Limits (under age 50)
- 403(b) or 401(k): $23,500
- 457(b): $23,500
- Total (if contributing to both plans): $47,000
Catch-Up Contribution Limits (for employees age 50 or older in 2025)
- 403(b) or 401(k): $31,000
- 457(b): $31,000
- Total: $62,000
Super Catch-Up Contribution Limits (for employees aged 60–63 in 2025)
- 403(b) or 401(k): $34,750
- 457(b): $34,750
- Total: $69,500
Questions?
Bring all questions regarding benefits and retirement enrollment with you on your first day.