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Voluntary Retirement Programs
Pinellas County Schools offers three convenient ways to save for retirement: two pre-tax options (a traditional 403(b) and 457(b) plan), and an after-tax option (a Roth 403(b)). Contributions are made by the employee through payroll deductions on either a pre-tax or after-tax basis.- 403(b): a tax-sheltered annuity plan, is a retirement plan for certain employees of public schools and tax-exempt organizations. The employee can contribute to a 403(b) plan before paying income tax on their current salary and contributions grow tax-deferred until they withdraw the money out of the plan.
- 457(b): a tax-advantaged deferred compensation retirement plan that is available for governmental and certain nongovernmental employers. An employee in this plan defers portions of their current salary into the 457(b) plan on a pre-tax basis. This plan operates like a 403(b) plan, but the difference with this plan is that there is no 10% penalty for withdrawal before the age of 59 1/2. Withdrawals are subject to ordinary income taxation.
- Roth 403(b): a tax-advantaged retirement savings plan for employees of public schools and tax-exempt organizations. The employee can contribute after-tax dollars and withdraw tax-free dollars from their account when they retire if the withdrawals meet qualified distribution rules. If the employee meets the qualified distribution rules, then they are not required to pay federal income tax.
Retirement Savings Program Pre-tax and After-Tax Options
Authorized Investment Providers List for Retirement Savings Program
Maximum allowable contribution limits for 2024US OMNI & TSA Consulting Group
We utilize OMNI & TSA Consulting Group, Inc. as our third-party administrator for our Tax-Sheltered Annuities (TSA), which specializes in providing administrative, consulting, and IRS compliance services for the retirement programs of public education employers. TSA Consulting Group, Inc. can be reached at (888)796-3786.
Plan Participation GuideQuickENROLL
Have you thought about enrolling in a 403(b)-retirement savings plan? QuickEnroll is used for first time enrollment if the employee is enrolling with a vendor who offers QuickEnroll. Opening a 403(b) account through QuickENROLL allows you to quickly start saving for your future retirement needs. Simply select from the list of participating investment provider companies, complete the required fields in the online application process, submit, and you are done! Deductions should start within 1-2 paychecks.QuickENROLL Website
Instructions for QuickENROLL403(b) and 457 accounts: Starting a new, increasing or decreasing a current contribution
As our third-party administrator, all requests for distribution are done through TSA Consulting group and your 403(b) providers. To start the process, you can utilize this link to initiate your request: Online Salary Reduction Agreement System.There are many Benefits to the new SRA process:
- Active employees visit https://sra.tsacg.com to access the online system.
- The system can be accessed 24 hours a day, 7 days a week.
- Active employees can start, change, or stop a 403(b) and/or 457(b) SRA at their convenience.
- Active employees receive immediate online confirmation that their request has been submitted.
- Authorized Investment Provider Agents/Representatives can assist employees.
- A list of authorized Investment Providers is available www.tsacg.com, as well as instructions for Salary Agreement Changes.
Please note: The previous "ART Platform" will be deactivated August 1, 2023. Participants may view their individual account balances directly through their investment provider links, which provides up-to-date information.
Click here for the step by step instructions
Distributions from Retirement Savings Accounts
Click here for the step by step instructionsAdditional Links and Information:
2025 Retiree Benefit and Wellness Guide
For your personalized Annual Retirement Benefit Guide, please go to the Employee Self Service and sign in: https://ess.pcsb.org/empss/
