The UNC 403(b) Plan Universal Availability Notice for 2026

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 are 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.  For more information, please click the link to be directed to the UNC System office webpage.  Once there, click on the Universal Availability Notices Tab and click on the PDF for the 2026 year.

UNC Code Section 403(b) Plan | Human Resources