ºÚÁÏÉçÇø

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

• Ìý(Stateside Employees Only)

2026 Contribution Limits

For the 2026 calendar year, employees may contribute up to $24,500 annually to their SRA accounts. Please review our 2026 Contribution Limits worksheet.

Additional contributions are permitted for individuals who meet the following age-based criteria:

• Employees aged 50 or older may contribute an additional $8,000
• 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): $24,500
• 457(b): $24,500
• Total (if contributing to both plans): $49,000

Catch-Up Contribution Limits (for employees age 50 or older in 2025)

• 403(b) or 401(k): $32,500
• 457(b): $32,500
• Total: $65,000

Super Catch-Up Contribution Limits (for employees aged 60–63 in 2025)

• 403(b) or 401(k): $35,750
• 457(b): $35,750
• Total: $71,500

Beginning in 2026, employees aged 50 or older with annual earnings of $150,000 or more in 2025 must make excess contributions into a Roth (after-tax) account. This is a federal requirement for 403(b), 401(k), 457(b), and similar accounts.Ìý