The Citadel offers employees voluntary retirement savings plans in addition to the State Retirement Plan (SCRS), Optional Retirement Plan (ORP), and the Police Officers Retirement System (PORS). These supplemental plans allow employees to save additional funds for retirement through convenient payroll deductions, with both pre-tax and Roth (after-tax) contribution options available.
Plans Offered:
- 401(k) and 457(b) plans offered through the Empower Deferred Compensation Plan
- 403(b) plans offered through TIAA, MetLife, or Corebridge Financial (AIG/Valic)
All Plans are available as Traditional (pre-tax) or Roth (after-tax)
Contribution Limits:
The Internal Revenue Service (IRS) sets annual contribution limits to these plans:
2026 Supplemental Retirement Contribution Limits
| Plan Type | Employee Contribution Limit | Age 50+ Catch-Up | Age 60-63 Catch-Up | Notes |
| 401(k) | $24,500 | +$8,000 | +$11,250 | Shares limit with 403(b) |
| 403(b) | $24,500 | +$8,000 | +$11,250 | Shares limit with 401(k) |
| 457(b) | $24,500 | +$8,000 | +11,250 | Separate limit |
How to Enroll:
Enrollment processes vary by retirement provider. Employees interested in participating or making changes to their retirement contributions should contact:
Payroll staff can provide guidance on vendor enrollment steps and payroll deduction setup.