NDSU employees participate in either the TIAA defined contribution plan or the NDPERS defined benefit plan based on the type of position they have.  Each plan includes both employer and employee contributions.  Additionally, employees may elect to participate in supplemental retirement plans and can contribute via payroll deduction.

NDPERS Retirement - Defined Benefit Plan

The total contribution to the NDPERS retirement account is 15.26%.  The contributions are calculated as a percentage of your pay. For full details on this plan, please refer to the NDPERS Retirement Plan Handbook.


NDSU Percent


Employee Percent



To be vested in a defined benefit program means that you have become legally entitled to a monthly benefit from NDPERS when you reach retirement age and terminate employment.

Under NDPERS, you become vested at the earlier of:

  • 36 months (3 years) of service credit
  • Attaining 65 years of age while employed with a participating employer

The account earns interest at a guaranteed 7.5% rate.

Beneficiary Change

Use the Beneficiary Change Form to make changes or update your NDPERS beneficiary information.

TIAA Retirement - Defined Contribution Plan

Contributions to this plan are shared by NDSU and the employee based on the schedule below.  This plan features immediate vesting.

Category 1

Teaching and research faculty with ranks of professor or associate professor and executive and administrative staff

Years of ServiceNDSU Contribution %Employee Contribution %
0 - 1012.5%4.5%
Category 2

Teaching and research faculty with rank of assistant professor, instructors, lecturers and professional staff

Years of ServiceNDSU Contribution %Employee Contribution %
0 - 27.5%3.5%
3 - 1012.5%4.5%

TIAA Website

NDSU TIAA: Get to Know Your Retirement Benefits  (online enrollment available) 

Supplemental Retirement Accounts 403(b) & 457(b)

Employees can start, stop or make changes to the contributions they are making to their supplemental accounts anytime by completing a new salary reduction agreement.  Forms for both the 403(b) and 457(b) are available on the NDSU forms page.  For employees participating in the 457(b) deferred compensation account through NDPERS (or one of the vendors available through NDPERS), the changes can be made online using NDPERS member self service at:

Limits are set by the IRS based on a calendar year.  For information on your maximum contribution limits, please contact the Benefits Specialist at

Other Vendors

NDSU has payroll deduction services set up with the following vendors:


Ameriprise Financial

AXA Equitable LifeNDPERS (9 options listed below)

1. NDPERS Companion Plan

    (administered by TIAA)

Fidelity2. AXA Equitable Life
Putnam3. Bank of North Dakota
Thrivent4. Jackson National Life
TIAA5. Nationwide
Vanguard6. AIG VALIC
Waddell & Reed7. Waddell & Reed
8. American Trust Center
9. Mass Mutual
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