Distribution Information FAQs Committee and Forms
SRP CommitTee upcoming meetings
SRP Advisory Committee Meeting
Date: Friday, October 24, 2025
Time: 10:00am – 2:00pm
Location: 780 Regent St. Madison, WI 53715
Overview
The UW 403(b) Supplemental Retirement Program (SRP), formerly the UW Tax-Sheltered Annuity (TSA) 403(b) Program, allows employees to invest a portion of their income for retirement on either a before-tax basis, an after-tax (Roth) basis, or a combination of both. Participation in the UW 403(b) SRP is voluntary with employees making the entire contribution; there is no employer match. For more background, review the .
The UW 403(b) SRP is administered by Universities of Wisconsin Office of Trust Funds, with the SRP Advisory Committee serving as an advisory resource of the program. Financial information on the program can be found in the Annual Reports.
Providers
UW 403(b) SRP investment options include 18 best-in-class funds available through TIAA and Fidelity, with a separate Guaranteed Fixed Rate Annuity for each provider. Participants can also choose to work through a self-directed brokerage window.
- TIAA (Plan ID Number is 100988)
(800) 842-2776 - Fidelity Investments (Plan Number is 82828)
(800) 343-0860
Contact information for frozen providers can be found here.
Eligibility
All Universities of Wisconsin employees (including rehired annuitants, student hourly, and graduate assistants) are eligible to participate. Some positions funded by scholarships or fellowships are not eligible. Eligible employees can enroll at any time.
Fees
The UW 403(b) SRP provides a low-cost way to save for retirement. All funds are no-load: there are no sales commissions or broker fees. Participants have access to low-cost institutional share classes through the core line-up.
In the past, recordkeeping and administrative fees were included in the expense ratios. In order to be transparent, beginning in 2022 these fees are charged as a quarterly flat-dollar amount per participant and will be automatically deducted from your account. You will see them listed as “fees” on your statements.
TIAA
| Account Balance (as of the last day of the previous quarter) |
Quarterly | Annual |
| < $5,000 | $0 | $0 |
| $5,000 to $50,000 | $4.50 | $18.00 |
| $50,000.01 to $100,000 | $9.50 | $38.00 |
| $100,000.01 to $200,000 | $17.00 | $68.00 |
| >$200,000 | $24.50 | $98.00 |
Fidelity- Effective July 1, 2024 reduced by $4.00 per tier!
| Account Balance (as of the last day of the previous quarter) |
Quarterly | Annual |
| < $5,000 | $1.00 | $4.00 |
| $5,000 to $50,000 | $6.00 | $24.00 |
| $50,000.01 to $100,000 | $13.50 | $54.00 |
| $100,000.01 to $200,000 | $23.50 | $94.00 |
| >$200,000 | $36.00 | $144.00 |
Ready to enroll? Find information here
Frequently Asked Questions
Looking for more information or have a specific question? Take a look at the Frequently Asked Question page.
Education
It is important to even a small amount adds up! There are many tools to help you learn about investment choices and how to meet your savings goals, including counseling sessions with representatives of the providers, live or on-demand webinars, and videos.
To learn about the UW 403(b) Supplemental Retirement Program, watch
| SRP: Investing in Your Financial Future: Intro to the 403(b) Program | On demand
On demand |
One-on-one counseling sessions are a free service available to both participants in the program as well as those considering participation. In-person counseling is available in February at UW-Madison, UW-Parkside and UW-Whitewater.
TIAA
Register Online or call (800) 732-8353 to schedule a one-on-one with a TIAA representative.
If you choose to register online:
- Click on "Schedule"
- Choose either "Register for TIAA access" or "Register for guest access"
- Choose how and when you would like to meet
Fidelity
Register Online or call (800) 642-7131 to schedule a one-on-one with a Fidelity representative.
If you choose to register online, the "Universities of Wisconsin" will pre-fill; choose from three options: Virtual Appointment, In-person, Phone; available time will be displayed.
Live and On-Demand Webinars
TIAA and Fidelity offer live and on-demand webinars on range of financial and retirement planning topics
TIAA
TIAA WEBINARs
On-Demand Webinars
All employees can also visit the TIAA Webinars page to view webinars on a variety of topics, not all specific to 403(b) plans or the UW 403(b) SRP.
- Click “Explore Webinars.”
- If you have already enrolled, use your sign-in information to gain access. If you are not enrolled, click “Register for guest access” and follow the prompts.
- Once registered, sign up for upcoming webinars or watch “On Demand Webinars.”
Fidelity
Live webinars
Get Started and Save for the Future You
June 25, 2025
12:00 PM CT
Register now
On-Demand Webinars
- How You Money – Fundamentals
- How You Money – Debt
- How You Money – Saving
- How You Money – Investing
- How You Money – Retirement
- Make the Most of Your Retirement Savings
- Roth versus Traditional Pre-tax Contributions
Additional Webinar Resources:
- Visit the Employee Well-being Webinars web page for additional webinars in the areas of well-being.
Resources in Spanish
Enrollment
In order to make sure your deduction starts on the correct paycheck, make sure your forms are submitted by 6/11/25 for the paycheck on 6/26/25 and submitted on 6/25/25 for the paycheck on 7/10/25.
To enroll in the UW 403(b) SRP:
- Research and select a 403(b) SRP recordkeeper(s) that can help you meet your future retirement needs with the flexibility you need to manage your account. The recordkeeper websites have great information on investment basics.
- Choose a way to sign up. Click on the tabs below for instructions on how to set up an account using one of the following methods:
- EZ Enrollment
- Salary Reduction Agreement
Use the EZ Enrollment as a one-step process to set up your basic account with the recordkeeper and your contribution election through your paycheck.
Your contributions will be defaulted to an age-appropriate target date fund that you can update to other investments after the account has been established.
For questions about the EZ Enrollment reach out to your benefits contact.
Complete and submit to:
- GetHelpUW@support.wisconsin.edu for all campuses except Madison and Milwaukee
- benefits@ohr.wisc.edu for UW-Madison
- benefits@uwm.edu for UW-Milwaukee
Already enrolled and need to make a change to your deduction?
Visit Deduction Changes below for instructions.
1) Set up your account using the link(s) below based on your choice of recordkeeper.
- TIAA: Click the Ready to Enroll button, select the UW 403(b) Supplemental Retirement Program, and click Begin enrollment. Log in if you already have an account or click Register now to create one.
- Fidelity: Click the Get started button. If you have a log in, enter your information. If you do not have a log in, register as a new user.
2) Once you have established your account with the recordkeeper, fill out the Salary Reduction Agreement (SRA) to start your deduction.
- SRA eForm in the my.wisconsin.edu (Instructions) OR
-
Complete and submit to:
- GetHelpUW@support.wisconsin.edu for all campuses except Madison and Milwaukee
- benefits@ohr.wisc.edu for UW-Madison
- benefits@uwm.edu for UW-Milwaukee
Do NOT file a Salary Reduction Agreement until you have enrolled with your recordkeeper. If you do not have an account with TIAA or Fidelity before your first payroll deduction, your account will be automatically set up and your contributions will be invested in a Target Date Fund.
Information about the Salary Reduction Agreement:
- The Salary Reduction Agreement (SRA) authorizes the Universities of Wisconsin to withhold either a dollar amount or percent of pay (salary) from each paycheck and send it to the SRP recordkeeper(s) you choose.
- It is your responsibility to confirm that your SRA has been properly processed by monitoring your earnings statement.
- WARNING: If you choose 100%, then ALL of your salary — after Social Security (FICA), insurance premiums, and required deductions — will be sent to your SRP recordkeeper and you will have a $0.00 paycheck.
A paper application only sets up your account with the recordkeeper. To start your deduction from your paycheck, submit a completed (SRA).
Already enrolled and need to make a change to your deduction?
Visit Deduction Changes below for instructions.
Deduction Changes
With the transition to Workday, in order to make sure your deduction change starts on the correct paycheck, make sure your forms are submitted by 6/11/25 for the paycheck on 6/26/25 and submitted on 6/25/25 for the paycheck on 7/10/25.
If you’re already enrolled and want to change your deduction, you have several options.
Sign into my.wisconsin.edu and click the Benefits and Well-Being tile. Select the Savings Summary tab on the left side menu.
Instructions can be found in the View and Update Benefit Savings tipsheet.
Why use this option?
This is a quick way to change your current deduction on the paycheck for the next pay period.
To enroll with a different recordkeeper, change the type of deduction (before-tax vs. after-tax), stop your deduction, or change your deduction for the current period or schedule a deduction change for the future, use either the Salary Reduction Agreement (SRA) eForm or the Salary Reduction Agreement Paper Form.
In the MyWisc account, launch the “Benefit Information” tile.
Next select “Update 403(b) Deductions” at the bottom of the page. This feature can be used to increase or decrease existing contributions.
This will take you to the screen entitled “Savings Summary” where you can select the benefit you’d like to update.
Select “Edit” on the next screen.
Enter your new contribution amount (either dollar amount or percentage) and select “Save.” When the change has been updated, you will receive the effective date for the new contribution.
Instructions can be found here.
Why use this option?
This is a quick way to change your current deduction on the paycheck for the next pay period.
To enroll with a different recordkeeper, change the type of deduction (before-tax vs. after-tax), stop your deduction, or change your deduction for the current period or schedule a deduction change for the future, use either the Salary Reduction Agreement (SRA) eForm or the Salary Reduction Agreement Paper Form.
Sign into my.wisconsin.edu and click the Forms tile. In the left-hand menu, select Salary Reduction Agreement, then select Add New SRA.
Instructions can be found in the Salary Reduction Agreement Form tipsheet.
Why use this option?
This option allows you to start, change, or stop your deductions. You can also choose a future paycheck date. This method will send the information to your institution benefits office for entry.
Submit a completed Salary Reduction Agreement (SRA) to:
- GetHelpUW@support.wisconsin.edu for all campuses except Madison and Milwaukee
- benefits@ohr.wisc.edu for UW-Madison
- benefits@uwm.edu for UW-Milwaukee
Why use this option?
This form can be used to start, change, or stop your deductions. You can also change a deduction in the current pay period or choose a future paycheck date.
Questions? Reach out to your benefits contact.
Contributions
You can invest on a before-tax and/or after-tax (Roth) basis.
Contributions deducted from your earnings on a before-tax basis reduce your current taxable income. Both your contributions and your earnings grow on a tax-deferred basis. When you withdraw money from your account, it is taxed as regular income to you in the year you receive it.
Contributions deducted from your earnings on an after-tax (Roth) basis are included in taxable income in the year they are made, but the account balance and earnings are not taxed when you take the money out in retirement (subject to certain restrictions). TIAA and Fidelity offer the Roth option.
Limits
The following maximum contribution limits apply to the UW 403(b) SRP. As of 2022 there is no minimum contribution.
2025
- Age 49 and under: $23,500
- Age 50-59: $31,000 ($23,500 + $7,500)
- Age 60-63 : $34,750 ($23,500 + $11,250)
- Age 64: $31,000 ($23,500 + $7,500)
Your contribution will be truncated when the limit is reached and will remain inactive for the remainder of the calendar year. Your contributions will begin again automatically in the new calendar year.
You may contribute an additional $3,000 per year ($15,000 max over a minimum of five years) if:
- You have 15 years or more of service with the Universities of Wisconsin; and
- Your Universities of Wisconsin 403(b) contributions average less than $5,000 per year over the course of your Universities of Wisconsin employment.
By IRS rule, the $3,000 (per year) service catch-up is used first, before the age 50 and over catch-up.
Note: You must check with your Institution Benefits Contact to see if you qualify each year and this must be approved each year. Due to the $5,000 per year average, you may qualify one year but not the next. It is advisable to have this checked by early fall for the upcoming year. This will allow time for you to submit a new Salary Reduction Agreement with any necessary changes to your contribution amount prior to the first paycheck of the new year.
Contributions to Other Savings Plans
Contributions to the Wisconsin Retirement System (WRS), Wisconsin Deferred Compensation (WDC) or other 457 deferred compensation plans, and Individual Retirement Accounts (IRAs) do not affect your 403(b) limit. You may contribute the full amount to the UW 403(b) SRP, the WDC 457 Program, and to a personal IRA, either traditional or Roth. You may also contribute the full amount to the UW Medical Foundation 401(a) plan.
402(g) Limit – Elective Deferrals
Your UW 403(b) SRP contribution limit is reduced dollar for dollar by contributions you make to any of the following retirement savings plans: other 403(b), 401(k), and Federal Thrift Savings Plans (TSP) and SIMPLE IRAs, SIMPLE 401(k)s, and salary reduction SEP IRAs.
415(c) Limit – Annual Additions
If you own more than 50% of a business, then retirement contributions made on your behalf by that business must be aggregated with your UW 403(b) SRP contributions and are limited by the 415(c) limit – $69,000 in 2024. Your 403(b) contributions made under the Age 50 catch-up are not included when calculating the 415(c) limit.
Investment Options
The UW 403(b) SRP offers 18 best-in-class options through TIAA and Fidelity, including a Guaranteed Fixed Rate Annuity for each provider.
Annuities are insurance contracts purchased from an insurance provider. Fixed annuities pay interest at or above a guaranteed rate.
Participants can also choose to work through a self-directed brokerage window with TIAA or Fidelity.
Review the for a list of investment options that are authorized for UW System employees under the UW 403(b) SRP. The same options are available from TIAA and Fidelity.
SRP staff is not able to provide financial advice, however a guide on does offer some tips on obtaining financial advice.
The UW 403(b) Supplemental Retirement Program (SRP) Advisory Committee (SRPAC) reviews the investment options available in the program and works with the providers to make sure the program has the lowest fees and expenses where possible.
Beneficiary Information
Employees are encouraged to designate a beneficiary(ies) to ensure benefits are paid according to their wishes. Whenever an employee has a life event, such as a marriage, divorce, or birth of a child, beneficiary designations should be reviewed and updated. Beneficiary designations can be changed at any time through your online account with TIAA or Fidelity. For security reasons, beneficiary changes must be made in writing.
Contact Information:
For more information on beneficiary designations, see the Beneficiary Information web page.
Name & Address Changes
If you are enrolled with a UW 403(b) SRP provider and need to make changes to your personal information, do the following:
- Name Change: Must be made in writing. Contact your provider to obtain a form.
- Address Change: Contact the provider via phone or in writing. Only TIAA permits online address changes.
Contact Information
UW 403(B) SRP
Current Providers
- TIAA | (800) 842-2776
- University of Wisconsin TIAA Plan ID Number is 100988
- Fidelity Investments | (800) 343-0860
- University of Wisconsin Fidelity Plan Number is 82828
Past Providers
- T. Rowe Price (There are no balances remaining with T. Rowe Price.) | (800) 922-9945
- Ameriprise/RiverSource Life Insurance | (608) 819-0500
- Lincoln National Life Insurance | In Madison: (608) 231-2231, Statewide: (800) 967-2046
- BNY Mellon (Dreyfus) | (800) 645-6561
- AUL (OneAmerica) | (800) 249-6269
- Allspring Global (formerly Wells Fargo, originally Strong) | (800) 222-8222
- DWS (Scudder) | (800) 728-3337
- Security Benefit Life | (800) 888-2461
Updated: 06/25/2025