403(b) Information

403(b) Tax Sheltered Annuity Plan (TSA)

As a benefit to its employees, Jefferson County School District 509-J sponsors a supplemental, tax-advantaged, retirement savings program authorized by Section 403(b) of the Internal Revenue Code. Such plans are often called 403(b) Plans or Tax Sheltered Annuity Plans or simply TSA Plans. Click Here to learn more about this excellent opportunity to better prepare for the financial aspects of retirement.

Roth Contributions Available

JCSD 509-J has decided to allow its employees to make Roth 403(b) contributions to any JCSD 509-J vendor that will accept such contributions. General information about Roth 403(b) contributions, which became available for the first time January 1, 2006, is available. Check the link periodically, since new information will be provided as it becomes available. For the most recent information about which vendors accept Roth 403(b) contributions, please see Vendors below. Again, check these lists periodically, since additional vendors are likely to begin accepting Roth 403(b) contributions.

General Employee Information

Information for Employees

CCC provides educational information below about advantages of tax deferred savings in general, along with links to websites that provide useful commentary and tools. Employer policies, practices, and procedures are available online, along with enrollment steps, Salary Reduction Agreement forms, and instructions for changing investment companies or contribution amounts. CCC monitors contributions for IRS compliance.

Important Observations

This Jefferson County School District 509-J section of the Carruth Compliance Consulting (CCC) website is being updated on a regular basis. A 'Page Last Modified" date and time stamp appears in the lower left corner of this and every page. While every attempt has been made to present complete and accurate information, please let us know if you notice errors and/or if you have suggestions that would make the information provided more useful to you. We at CCC hope that the information provided in this website will be helpful to you in better understanding the excellent supplemental retirement savings programs sponsored by JCSD 509-J.

CCC's Relationship with JCSD 509-J

CCC provides compliance monitoring and plan administration services to JCSD 509-J on a contractual basis, which began on 9/8/2008. CCC serves as a clearing house for administration of the 403(b) Tax-Sheltered Annuity Plan (TSA) for JCSD 509-J, providing employees with the information they need to take advantage of this tax deferred retirement savings plan.

Breaking News - Changes Ahead

Learn about significant changes either already set in concrete or under consideration.

Information Of General Interest

CCC provides general information that may be of interest, including CCC information & services, employee/participant resources, employer resources, vendor resources, current CCC clients, useful links, and ways to contact CCC.

Additional Employee Information

Additional Tax-Deferred Savings Information

CCC provides educational information about advantages of tax deferred savings in general, along with links to websites that provide useful commentary and tools. District policies, practices, and procedures are available online for this Plan, along with enrollment steps, Salary Reduction Agreement forms, and instructions for changing investment companies or contribution amounts. CCC monitors contributions for IRS compliance.

What If I Need Financial Advice?

Click on this link for information about the financial advisor industry and helpful suggestions about how to locate one or more qualified, professional, and licensed financial advisors that meet your needs. Learn More

Frequently Asked Questions by Employees

Chances are, it's been asked before. If after reviewing subject-specific pages on this site you still have questions about your employer's CCC-administered 403(b) Plan, review these answers to Frequently Asked Questions (FAQ) by Employees. Learn More

Ask Your Own Questions

Click on this link to pose your own questions to Carruth Compliance Consulting, by electronic mail (email), telephone, fax, or any standard mail carrier. Learn More

Other Useful Links

Click on this link to review additional websites that CCC has found to be useful for various purposes. We welcome recommendations for additional websites to include on this Useful Links page. Learn More