The University of North Carolina System 403(b) Plan Universal Availability Notice for 2025

The University of North Carolina System (“UNC System”) offers a choice of voluntary supplemental retirement programs so employees can save additional amounts for retirement. Under the UNC System 403(b) Plan (“the 403(b) Plan”), eligible employees may elect to defer a portion of their compensation to the 403(b) Plan on a pre-tax or post-tax (Roth) basis.  The 403(b) Plan is designed to help you invest more money today so that you have the income you need in your retirement years. It supplements the Optional Retirement Program of the University of North Carolina and the N.C. Teachers’ and State Employees’ Retirement System; the State's mandatory retirement plans available to permanent employees working 30 or more hours per week. Even employees not eligible for one of the mandatory retirement plans may be able to make voluntary contributions to the 403(b) Plan.  The link below directs you to the UNC System's webpage where you can scroll down to review a detailed PDF of the Universal Availability Notice for 2025.