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BYU-Idaho offers employees a 403(b) tax-deferred annuity plan through TIAA-CREF. This plan is supplemental to DMBA's 401(k) Supplemental Retirement Savings Plan (i.e. Thrift Plan); and the university does NOT "match" employee contributions to the TIAA-CREF program. All employees, including those in full-time, part-time, and temporary jobs, are eligible to participate in the TIAA-CREF plan, except those who fit the following definitions:

       •  Student employees 
       •  Employees who normally work fewer than 20 hours per week and less than 1,000
           hours per year, unless they worked at least 1,000 hours in any prior year
       •  Employees who are non-resident aliens not receiving United States sourced
           income (no employees currently fit this definition). 

Included here is a Summary Plan Description to help employees understand how this plan is designed.

For more information or to enroll, please go to the TIAA-CREF homepage on the internet.

Helpful Information:

       •  TIAA-CREF Investment Options
       •  TIAA-CREF Payroll Deduction Form
       •  TIAA-CREF Loan Change (2012) 

Universal Availability Notices:

       •  Universal Availability Notice (2013)

Fee Disclosure Materials:  

    May 2013
       • TIAA-CREF Cover Letter for Fee Disclosure 
       • TIAA-CREF Summary of Plan Services and Costs 
       • TIAA-CREF Investment Chart

    August 2012
       •  TIAA-CREF Cover Letter for Fee Disclosure  
       •  TIAA-CREF Summary of Plan Services and Costs  
       •  TIAA-CREF Investment Chart