• 403(b) Plan Info
  • 457(b) Plan Info
  • Vendors
  • Forms and Documents
  • Investment Reference
  • Calculators
Access Your Account via Retirement Manager
Employee and Retiree Service Center (ERSC)
Phone: 301-517-8100
Email: ERSC@mcpsmd.org
Location
45 W Gude Drive
Suite 1200
Rockville, MD 20850
Hours of Operation
Mon–Fri, 8:00am–4:30pm
Plan Administrator
Dodi Lambert
Plan Documents
403(b) and 457(b)
(both of these are PDF files)
Pension Information
Learn about the Maryland State Teachers Pension and the MCPS Employees Pension
Read the IRS Universal Eligibility Notice »
> Home > 403(b) Plan Info
403(b) Plan InfoStart Your 403(b) Now
A 403(b) is a tax-sheltered retirement savings plan for employees of educational institutions and certain nonprofit organizations. The 403(b) plan provides an opportunity for employees to save for retirement with pre-tax dollars and defer taxation on income and earnings until withdrawal, and provides an important savings supplement to your penesion.
What a 403(b) Is and Why It's Important

How a 403(b) Works

Who is Eligible?

How Much Can be Contributed

What Else I Need to Know Before Starting

What are the advantages of a 403(b) over other investments?

What investment products are available in a 403(b) plan?

What does it cost to invest in a 403(b)?

Should I contribute a dollar amount or percentage of salary?

View all 403(b) questions »
403(b) Reference Guide
Vendors
Fidelity Investments
Hendershot Financial
(Lincoln Investments)
ING
Lincoln Financial Group
MetLife Resources
Morgan Stanley Smith Barney
T. Rowe Price
TIAA-CREF
VALIC
Forms and Documents
403(b) Salary Reduction Agreement (PDF)
Please be sure that you have completed a vendor application to establish your account prior to submitting a salary reduction request to MCPS.
Annual Limit Notice (PDF)
2012 Defined Contribution Calendar (PDF)
403(b) Calculators
Savings Calculator
Savings Distribution Calculator
You will need the free Acrobat Reader to view the many PDF files linked from this site