How the Plan Works

The Supplemental Retirement & Savings Plan offers you the opportunity to set aside additional money for your retirement in the following ways:

Tax-deferred Contributions — You pay no federal or state income tax on thetax-deferred money you put into the plan until you receive it. These are referred to as “tax-deferred contributions.”

Roth 403(b) Contributions — You pay federal and state income tax on the after-tax money you put into the plan. The investment earnings accumulate tax-free and are paid to you tax-free at the time you receive it, as long as the withdrawal is qualified. Roth contributions  may only be made through Fidelity Investments.