Your Futurein Your Pocket
Apple and iPhone are trademarks of Apple Inc., registered in the U.S. and in other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company , Hartford, CT, or its affiliates. PRIAC is solely responsible for its financial condition and contractual obligations.
We Keep Your Best Interest In Mind
We offer diverse investment options, at very competitive costs, and you benefit from the strong, continual oversight of the Supplemental Retirement Board of Trustees and the Treasurer.
A common retirement misconception is that your pension and social security benefits will be enough to replace at least 80 percent of your income after retirement, also known as being retirement ready. In reality, only about 44 percent of our state and local government employees with just those two accounts are ready for retirement. By contrast, about 71 percent of participants who are enrolled in a pension, social security and at least one supplemental retirement plan are on the right track to retirement readiness.
Some employers offer an additional contribution or match. To find out if your employer offers a match or other contribution, contact your Human Resources/Benefits representative.
You can update your personal information by:
Were You Automatically Enrolled
If so, you may need to establish a beneficiary for your retirement account. A beneficiary is the person or persons who would receive the money remaining in your plan account if you die. Naming a beneficiary is an importantbut often neglectedpart of sound financial planning.
Log in to establish or confirm your beneficiary.
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Employer Frequently Asked Questions About The Nc 401 Plan Nc 457 Plan And Nc 403 Program
The North Carolina Supplemental Retirement Plans consist of the NC 401 Plan , the NC 457 Plan , and the NC 403 Program .
The NC 401 Plan is a tax-qualified, defined contribution plan under Section 401 of the Internal Revenue Code. The NC 457 Plan is an eligible defined contribution plan under Section 457 of the Internal Revenue Code. The NC 401 Plan and the NC 457 Plan are single plans that are sponsored by the State of North Carolina and that have multiple participating employers. The NC 403 Program allows school districts and community colleges, as 403 plan sponsors, to utilize the investments and recordkeeping services offered by the program. The NC 401 and NC 457 Plans and the NC 403 Program are administered by the Department of State Treasurer and the Supplemental Retirement Board of Trustees.
To compare the plans, please refer to the Plan Comparison Chart and the summaries of the NC 401 Plan,NC 457 Plan, and NC 403 Program.
If you have questions about the plans, you can:
- Contact your Retirement Education Counselor or
- Email Prudential Retirement at or
As a participating employer in the NC 401 Plan, NC 457 Plan, and/or NC 403 Program, your responsibilities include:
North Carolina 401 Plan

The North Carolina 401 plan is sponsored by the State of North Carolina and governed by the Department of the State Treasurer. The plan administrator for this program is Prudential. The North Carolina 401 Plan is a supplemental retirement plan that allows employees to set aside payroll-deducted contributions on either a tax deferred basis or Roth after-tax basis.
Permanent full-time employees scheduled to work 30 or more hours per work week are eligible to participate.
Due to plan rules with Prudential, you cannot enroll or change contributions to the Prudential NC 401k through ConnectCarolina. You must use the Prudential Portal at or you can print out forms from the Pudential site and return them to the UNC OHR Benefits Office by scan/email at [email protected] or by fax at 919-962-6010.
Contribution Amounts
The annual contribution limit to the 401 plan is $20,500. You may be eligible for a catch-up contribution of an additional $6,500 if you are 50 or older, or will turn 50 during the current calendar year.
For employees age 50 or older, the maximum contribution amount is $27,000. Your contributions can be deducted on either a tax deferred basis or an after-tax basis using a Roth 401 account.
Coordination with other Supplemental Plans
Contributions to a 457 deferred compensation plan are not aggregated with 403 or 401 plan limits.
Vesting & Loans
Retirement Benefits
Resources
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Welcome To The Spectrum Health System 403 Plan
Few things are more important than saving for your financial future. Your retirement plan makes it easier by offering you a simple, convenient, and consistent way to help save for retirement.
Learn about your plans features and funds, find access to resources and tools that can help with planning, and discover solutions to challenges many of us face when saving for retirement.
Register or log in to view your account online.
Welcome To Prudential Retirement
Few things are more important than saving for your financial future. Your retirement plan makes it easier by offering you a simple, convenient and consistent way to help save for retirement.
Access your account, review your beneficiary election and learn about resources and tools that can help with planning.
Learn about your plans features and funds, find access to resources and tools that can help with planning, and discover solutions to challenges many of us face when saving for retirement.
Register or log in to view your account online.
Thinking about consolidating? Contact the Prudential Rollover Team at 800-249-2430. Representatives are available from 9 a.m. – 5 p.m.
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Plan Information And Enrollment
NC 403 Program News
In December 2021, after an in-depth analysis and recognizing extremely low participation, the North Carolina Supplemental Retirement Board of Trustees decided to discontinue the NC 403 Program, and focus on the larger, low-cost,* and more popular NC 401 and NC 457 Plans.
Should you still choose to enroll, you will need to use this Enrollment FormPDF opens in new window. Please know that employer and employee contributions may only continue through the pay period ending . The NC 403 Program will stop accepting employee and employer contributions after this pay period. In addition, your assets will need to be removed from your NC 403 Program account by .
For more information visit
Prudential Retirement®
How Can We Help You
The descriptions below may help you identify your dental network.
A preferred dental program covers any licensed dentist/specialist, but if you choose an in-network provider, costs are typically lower.
PDP Plus
This preferred dental program is the same as PDP, but with a larger group of in-network dentists/specialists to choose from.
Dental HMO/Managed Care
A Dental Health Maintenance Organization or Managed Care, covers in-network providers only, and you must choose a primary care dentist for all services. Available in CA, FL, NJ, NY, TX.
MetLife EPO Network
The MetLife Exclusive Provider Organization contains features similar to PDP & DHMO. You must see an in-network EPO provider to utilize dental benefits. However, you do not need to select a primary care dentist. Available in CA.
Federal Dental
This preferred dental program is also the same as PDP, but only available to certain Federal government employees.
Still not sure of your network?
Log in to MyBenefits and well fill it in automatically when you search for a dentist.
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Log In To Your Account
View account details, customized planning tools, and more.
Retirement Counselors are registered representatives of Prudential Investment Management Services LLC , Newark, NJ, a Prudential Financial company.
This material is intended to provide information only. This material is not intended as advice or recommendation about investing or managing your retirement savings. By sharing this information, Prudential Retirement® is not acting as your fiduciary as defined by the Department of Labor or otherwise. If you need investment advice, please consult with a qualified professional.
Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company , Hartford, CT, or its affiliates. PRIAC is a Prudential Financial company. Prudential Retirement is a Prudential Financial business.
Retirement Counselors are registered representatives of Prudential Investment Management Services LLC , Newark, NJ, a Prudential Financial company.
* Registered Mutual FundsAll investing involves various risks including the possible loss of principal. You can lose money by investing in securities.
A target date fund should not be selected based solely on age or retirement date. Participants should carefully consider the investment objectives, risks, charges and expenses of any Fund before investing. Funds are not guaranteed investments and the stated asset allocation may be subject to change. It is possible to lose money by investing in securities.