A Division of Administration and Finance

Supplemental Retirement Accounts

New for 2025! USM Retirement@Work Portal

New for 2025! USM Retirement@Work® is live! Log in now!

USM employees have access to USM Retirement@Work®, a new retirement portal that will allow you to make changes to your TIAA and Fidelity Supplemental Retirement Account(s) (SRA’s) online in real time. You will no longer need to use paper forms to enroll in or make changes to your USM Supplemental Retirement Account(s)!

USM Retirement@Work - USM

Not enrolled in a Supplmental Retirement Account yet?

Eligible employees can enroll through USM Retirement@Work® today and start saving for their financial future.

Plan numbers needed for new enrollment:
Fidelity: 65613(457(b)), 65612 (403(b))
TIAA: 100113 (457(b)), 100112 (403(b))

From one website, you can now:

Enroll in one or more USM Supplemental Retirement plans through Fidelity and/or TIAA.
Research investment options provided by both plan vendors.
View your balances for all plans, regardless of vendor.
Change your voluntary contribution amounts.
Access investment tools and calculators.

Quick Start Guide:

This Quick Start Guide will help you get started using the system.

You may also watch this short video for a step-by-step visual guide to using USM Retirement@Work®.

Need Assistance?

The USM Retirement@Work phone contact center, managed by TIAA, can be reached at 1-844 567-9090 and will be available for assistance with enrolling and managing your accounts weekdays, 8 a.m. to 10 p.m. (ET).

Supplemental Retirement Account (SRA) deferral limits for calendar year 2025:

Age	Contribution Limit*
49 and under	$23,500
50 and over	$31,000

*These contribution limits are to either a 401(k) or a 403(b) plan. Contributions up to these maximums can also be made to a 457(b) plan

Special Note: Under a change made in SECURE 2.0, a higher catch-up contribution limit applies for employees aged 60, 61, 62 and 63 who participate in these plans. For 2025, this higher catch-up contribution limit is $11,250 instead of $7,500. Contact your financial advisor for more information.

Resources:

Enroll or Make Changes

TIAA (457b / 403b): Enroll or Make Changes Online

Fidelity (457b / 403b): Enroll or Make Changes Online

MSRP/Nationwide (401k / 457b / 403b): Enroll or Make Changes Online

Retirement Vendor Information

Vendor	Contact Information	Web Address	Meet with Vendors by Appointment
Fidelity	Paul Vutiprichar (800) 343-0860 punchai.vutiprichar@fmr.com	https://nb.fidelity.com/public/nb/usm/home	Click here to schedule an appointment
Nationwide	Savannah Bellamy 410-891-2586. raths5@nationwide.com Retirement Resource Group 800-545-4730	www.msrp.state.md.us Account Info Website: www.MarylandDC.com	Do you already have an account with Nationwide through MSRP and need help with your account? Early & Mid-Career Employees: Schedule a Call or Virtual Appointment With Your Retirement Specialist, Savannah Bellamy Are you getting ready to retire or are within 5 years of retirement? Schedule an appointment with Geoff Flanders Schedule an appointment with Abby Kuo
TIAA	Field Support Team 1-800-732-8353	TIAA Website Foreign Language Interpreter	Click here to schedule an in person (on campus) or virtual appointment with a TIAA representative