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Participation Eligibility & Contribution Limits (Umatilla School District)




2017 403(b) TSA Announcement for Umatilla


Supplemental Retirement Saving Opportunities

Umatilla School District 6R (Umatilla) offers an excellent program through which you may contribute a portion of your current income into supplemental retirement savings accounts. The Umatilla supplemental retirement savings program is offered under Section 403(b) of the Internal Revenue Code, and is called the Tax-Sheltered Annuity Plan (TSA Plan).

All part-time and full-time employees are eligible to contribute.

You may begin participating in the TSA Plan at any time, by establishing an investment account with an authorized vendor and then completing and submitting a salary reduction agreement via signed hard copy.

In addition to traditional pre-tax 403(b) supplemental retirement savings opportunities, the Umatilla plan offers after-tax Roth 403(b) retirement savings opportunities. Roth contributions and attributable earnings must be maintained in separate designated Roth accounts.

Contribution Limits for 2017

The basic elective deferral limit for 2017 is the lesser of $18,000 or 100% of your compensation.

If your 50th birth date occurs on or before December 31, 2017, you are eligible to defer an additional $6,000, provided your compensation is large enough to allow the extra deferral.

Finally, if you will have at least 15 years of full-time equivalent service with Umatilla by December 31, 2017, then you may be eligible to contribute up to an additional $3,000 during 2017. If you are planning to make contributions to utilize this catch-up feature, please contact CCC to confirm your maximum allowable contributions for 2017.

Plan Information Is Available on the Web

Comprehensive information about the Umatilla TSA Plan is available on the web at www.ncompliance.com, including enrollment procedures, a salary reduction agreement form, Vendor information, transaction information, and educational materials. If you are starting contributions to a new Vendor, you must provide documentation that you have established an account with the Vendor. You may increase, decrease, or stop contributions to the TSA Plan or change the Vendor receiving contributions at any time, by submitting a new salary reduction agreement. Educational information is available on our website to make it easy for you to learn more about supplemental retirement plans and retirement readiness. We encourage you to explore this information at www.ncompliance.com/education.aspx.

Participant Responsibilities

When contributing to an employer-sponsored supplemental retirement savings plan, it is important that you monitor your account activity regularly for accuracy (e.g., deposits of your contributions) and make sure your beneficiary and your contact information is up-to-date. If you believe that a problem may exist, please contact the Third Party Administrator (see contact information below) and/or your employer immediately.

Additional Information Is Available from Third Party Administrator

Umatilla has adopted the services of Carruth Compliance Consulting, Inc. (CCC), an independent third party administrator, to provide compliance and administration services for the 403(b) TSA Plan. For questions regarding your Employer’s TSA Plan, please contact CCC at:

Carruth Compliance Consulting, Inc.
11515 SW Durham Road, Suite E-10
Tigard, OR 97224
Phone: 503-968-8961
Toll-Free: 877-222-3090
E-mail: cccinfo@ncompliance.com


2016 403(b) TSA Plan Announcement


Supplemental Retirement Saving Opportunity - The 403(b) TSA Plan

Your Employer offers an excellent program through which you may contribute a portion of your current income into supplemental retirement savings accounts. Your Employer’s supplemental retirement savings program is offered under Section 403(b) of the Internal Revenue Code and is called the Tax-Sheltered Annuity Plan (“TSA Plan”).

In addition to “traditional” pre-tax 403(b) supplemental retirement savings opportunities your employer plan offers after-tax Roth 403(b) retirement savings opportunities. Roth contributions and attributable earnings must be maintained in a separate designated Roth account.

All part-time and full-time employees are eligible to contribute to the TSA Plan.


You may begin participating in the TSA Plan at any time, by first establishing an investment account with an approved investment provider, and then completing a salary reduction agreement, signing it, and submitting it to your payroll office.

Contribution Limits for 2016

The basic elective deferral limit for 2016 is the lesser of $18,000 or 100% of your compensation.

If your 50th birth date occurs on or before December 31, 2016, you are eligible to defer an additional $6,000, provided your compensation is large enough to allow the extra deferral.

Finally, if you will have at least 15 years of full-time equivalent service with your current Employer by December 31, 2016, then you may be eligible to contribute up to an additional $3,000 during 2016. If you are planning to make contributions to utilize this catch-up feature, please contact CCC to confirm your maximum allowable contributions for 2016.

Plan Information Is Available on the Web

Comprehensive information about your Employer’s TSA Plan is available on the web at www.ncompliance.com, including enrollment procedures, a salary reduction agreement form, Vendor information, transaction information, and educational materials. If you are starting contributions to a new Vendor, you must provide documentation that you have established an account with the Vendor. You may increase, decrease, or stop contributions to the TSA Plan or change the Vendor receiving contributions at any time, by submitting a new salary reduction agreement. Educational information is available on our website to make it easy for you to learn more about supplemental retirement plans and retirement readiness. We encourage you to explore this information at www.ncompliance.com/education.aspx.

Participant Responsibilities

When contributing to your employer-sponsored retirement savings plan, it is important that you monitor your account activity regularly for accuracy (e.g., deposits of your contributions). If you believe that a problem may exist, please contact the Third Party Administrator (see contact information below) and/or your employer immediately.

Additional Information Available from Third Party Administrator

Your Employer has adopted the services of Carruth Compliance Consulting, Inc. (CCC), an independent third party administrator, to provide compliance and administration services. For questions regarding your Employer’s TSA Plan please contact CCC at:

Carruth Compliance Consulting, Inc.
11515 SW Durham Road, Suite E-10
Tigard, OR 97224
Phone: 503-968-8961
Toll-Free: 877-222-3090
E-mail: cccinfo@ncompliance.com