Retirement Plan

Effective January 1, 2009 the Hamilton College Tax-Deferred Annuity Plan was merged into the Hamilton College Basic Retirement Plan and renamed the Hamilton College 403(b) Retirement Plan

This plan provides for contributions by the College (Employer Contributions) and employees (Elective Deferrals).  Employees direct the investment of their accounts. Retirement plan accounts are 100% vested at all times. Benefits are not taxed until funds are distributed.

Effective March 15, 2013 TIAA-CREF will be the Plan's sole retirement plan provider. Contributions made prior to March 15, 2013 to Fidelity Investments may remain with Fidelity.

Contributions by the College

After one year of employment at the College, the College will contribute the equivalent of 10 percent of an eligible employee's earnings to a 403(b) account with TIAA-CREF.

Contributions by Employees

All employees may make contributions on a tax-deferred basis to a 403(b) account with TIAA-CREF. This benefit is available immediately upon employment. Federal law dictates the maximum amount you are eligible to contribute under these plans (see below), and penalties imposed for withdrawals prior to age 59 1/2.

Please complete a Salary Reduction Agreement and return the completed form to Human Resources.

Annual Contribution Limit
  2014 2015 2016
Amount allowed for all participants




Additional amount allowed for participants age 50 or over




Investment Strategies

TIAA-CREF Individual Counseling Sessions

Representatives from TIAA-CREF are on campus on a regular basis to provide individual counseling sessions on current investment strategies, meeting long-term investment goals, asset allocation and general retirement and financial planning issues.  Make an appointment online or contact (800) 732-8353.

Contact Information

Human Resources

Philip Spencer House
College Hill Road
Clinton, NY 13323
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