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Retirement Plan Structure

10% Employer Contribution to a 401(a) Account

Employees who have worked 1000 hours per calendar year in 2 consecutive calendar years and who meet eligibility requirements in accordance with the University Retirement Plan Document.



Optional Voluntary Contributions to a 403(b) Account

All Employer/Employee Contributions Tax Deferred


Santa Clara University's retirement benefits help you build long-term savings and a source of income after you retire from the University. Contributions to both plans below are tax deferred.

Defined Contribution Retirement Plan - 401(a)

The University will contribute an amount equal to 10% of your base compensation. You become eligible the first day of the month coinciding with, or next following your date of hire. You are 100% vested after 2 years of employment.

Faculty and Staff Retirement Plan - 403(b)

You can make voluntary contributions to a 403(b) plan subject to plan year limits. There are also catch-up provisions for those over age 50 or with 15 years of service.


Retirement Provider Options


Investment Options:

  1. Money Market (Govt.)
  2. Guaranteed (TIAA Traditional)
  3. Fixed Income ( Vanguard)
  4. Multi-Asset ( DFA, Vanguard,TIAA)
  5. Equities (DFA, Vanguard, TIAA)
  6. Real Estate (TIAA)
  7. Target Date (Vanguard)

  Browse the TIAA On-Line Prospectuses »




Fidelity Investment Company

Over sixty Investment Options within six categories:

  1. Asset Allocation Funds (Asset Manager Fund)
  2. Fixed Annuity through Metropolitan Life
  3. Growth Funds (includes Magellan Fund)
  4. Growth/Income Funds (includes Puritan Fund)
  5. Income (Bond) Funds (short to long term)
  6. Money Market Funds (Gov't and Commercial)

 Browse the Fidelity Funds »




Personal/Professional Consulting Services


Representatives from Fidelity Investments and TIAA provide one-on-one retirement counseling to benefit eligible employees. This is a confidential, half hour appointment that can be scheduled by directly contacting Fidelity Investments at 1-800-642-7131 or TIAA-CREF at (800) 842-2007, extension 1001. For TIAA, you can also sign up through their website, click on Meeting/Counseling section. 

Fidelity Website: Consultants and Workshops

TIAA website link: Consultants and Workshops