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NDSU employees participate in either the TIAA-CREF 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-CREF 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%


NDSU TIAA-CREF Microsite (online enrollment available) 


A Range of Income Options

Lifecycle Funds

Life Annuity Overview

Staying on Track

5 Habits of Highly Successful Investors

Tax Deferred Annuities - the Basics

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: or by completing the NDPERS salary reduction agreement available at:

Limits are set by the IRS based on a calendar year.  For information on your maximum contribution limits, please contact or at 701-231-5602.



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-CREF)

Fidelity2. AXA Equitable Life
Putnam3. Bank of North Dakota
Thrivent4. Jackson National Life
TIAA-CREF5. Nationwide
Vanguard6. AIG VALIC
Waddell & Reed7. Waddell & Reed
8. American Trust Center
9. Mass Mutual

Student Focused. Land Grant. Research University.

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North Dakota State University
Phone: +1 (701) 231-8961 / Fax: (701) 231-9686
Campus address: SGC 102
Physical/delivery address: 1919 University Dr N, Fargo, ND 58102
Mailing address: NDSU Dept. 3140 / PO Box 6050 / Fargo, ND 58108-6050
Page manager: Human Resources/Payroll

Last Updated: Friday, October 09, 2015 3:04:08 PM