Collin College full-time and part-time employees will participate in a retirement program. New full-time employees will be automatically enrolled through the Teacher Retirement System of Texas (TRS). Certain employees (full-time faculty and administrators) have the option of choosing the Texas 选择性退休计划（ORP） in lieu of TRS. Part-time employees will participate in Federal Insurance Contributions Act (FICA) Alternative plan. 此外，还有自愿退休计划可供选择。

金沙博彩投资403(b)常见问题解答

我在哪里可以找到从Corebridge到TIAA的过渡信息？

Read about the 从Corebridge过渡到TIAA. Find out detailed information in the TIAA过渡指南2025.

谁有资格参加退休计划？

Full-time and part-time employees (with the exception of student employees) at Collin College may enroll in the "Collin Invests" Retirement Savings Plan. Collin College has partnered with Corebridge金融 to administer our Voluntary 403(b).

金沙博彩是否匹配退休供款？

是的，金沙博彩提供雇主供款！ Collin Invests Enhanced Retirement Savings Plan will offer employer matching contributions to all full-time, benefits-eligible employees. Collin will match your contributions dollar-for-dollar up to 4% of your base salary. You must contribute to the 403(b) plan through Corebridge in order to receive the match. No employer match is paid for any month in which you have not contributed.

我可以更改我的Collin investments 403(b)吗？

是的，更改每周都会提交给金沙博彩。 Any change made Friday - Thursday will be received by the College on the following Friday. Your Workday profile will then be updated accordingly.

Employees may stop, restart, or change their deductions anytime during the year by logging into the Corebridge金融网站 and signing into their account. For example, if you would like to end deductions in May and restart deductions in September, you will need to contact Corebridge金融 in advance so that the dates can be updated and processed through payroll.

如果我在一个日历月内有多个更改会发生什么？

请在工作日查看您的福利。 Should you identify any discrepancy, please reach out to the Benefits Team at benefits@collin.edu.

是否有供款限制？

是的。 到2025年，限额已改为23500美元。 The additional “catch-up” amount that participants age 50 and older can contribute each year remains at $7,500, for an annual total of $31,000. Review the 国税局出版 for more information.

参加金沙博彩投资403(b)计划

To enroll in the 403(b) plan, visit Corebridge金融 to sign up for the 403(b) elective deferral plan.

• 全职员工计划接入码：40521003
• 兼职员工计划接入码：40521002

金沙博彩或登录Corebridge金融

To make a change to your contribution, visit Corebridge金融 to log into your 403(b)选择性延期计划 or reach out to your financial advisor.

在德克萨斯州金沙博彩$ 457

Full-time benefit-eligible employees may also participate in the 457 through Empower Retirement. 访问 德萨牌手表断言457美元 for more information.

德克萨斯州教师退休制度（TRS）

Generally, Full Time Staff employees are required to participate in the 德克萨斯州教师退休制度（TRS）. 这是固定收益的国家退休计划。

• 雇员为该计划缴纳8.25%，国家缴纳8.25%。 These rates are set by the State of Texas and are subject to change in the future. The employee, however, is not able to modify these rates.
• After five (5) years of service with the TRS system, you are vested for retirement benefits.
• Vesting means that the employee has earned a retirement income benefit when they are eligible to retire. The amount of the retirement income benefit is based on a statutory formula using the number of years of employee service credit with the TRS system, the employee’s age, and average covered earnings while an active participant.

选择性退休计划（ORP）

全职教师和管理人员 at Collin College have the option to choose between TRS and ORP, if they have not been offered ORP in the past. The ORP is a 403(b) defined contribution plan in which, the employee contributes 6.65% of their salary to the plan and the state contributes 6.6% of the employee’s salary to the plan. With ORP, the college contributes an additional 1.75% of the employee’s salary to the plan.

作为ORP参与者，您将在参加ORP一年零一天后获得奖励。 ORP retirement benefits are a direct result of the amounts contributed and any net return on the investments selected by each participant. As like most investment plans, the plan does experience a certain amount of risk and fluctuation. It is the responsibility of the employee to monitor this volatility and work with the vendor to minimize the long term ups and downs of this type of plan.

Upon completion of 10 years of service and otherwise having been eligible to retire under TRS Rules (Rule of 80), an ORP participant can submit for retiree insurance. If you are under the age of 65, ORP Participants need to be eligible for an annuity with their ORP account(s) in order to maintain eligible for retiree insurance. Moving your funds out of ORP can impact retiree insurance eligibility.

If you are newly eligible to enroll in the ORP plan, you will need to complete the TRS-28 provided to you. This form needs to be received by HR/Benefits by the end of your 90-day window. 迟交的表格将不被接受。 Once you have a vendor selected, and an account opened, you will need to submit the 减薪协议 indicating your vendor of choice.

请访问ORP页面了解更多信息 填写TRS - 28表格 填写减薪协议

更改ORP供应商：

Once you have selected a vendor and have opened the account, you will need to submit a new 减薪协议 to HR/Benefits via fax to 972.599.3156 or email at benefits@collin.edu.

金沙博彩授权可选退休计划（ORP）

The third-party administrator for the Collin College ORP plan is 运输安全管理局咨询. 请与下列任一组织的代表联系。 These representatives are ready to help advise you on how to select the appropriate plan for you.

Once you have selected a company and opened your ORP account, you will need to submit a 减薪协议 advising us of the company you have chosen. If you wish to change your financial provider (contract exchange), you will need to submit an updated 减薪协议 to let us know of the change. Please submit completed agreements to benefits@collin.edu.

退休人员保险资格

作为“退休计划”或“退休计划”的退休人员，在下列情况下，你可能合资格获得退休保险：

• You have at least 10 years with an agency (Texas public college or University participant in the GBP or state department that participates in ERS insurance) and
• Your last place of public employment was with an agency or higher education institution that participates in the GBP.
• ORP participants will need an ORP account from which they are eligible to start drawing payments. If you withdraw or roll over all your funds to another account at retirement, you will not be eligible for retiree insurance through ERS. For more information please see the ERS website.

If you are under the age of 65, there are additional eligibility requirements that apply. Contact the Benefits department for additional information at benefits@collin.edu.

关于分级费率的重要信息。 If you did not have 5 years by 8/31/2014 (hired FT by 9/1/2009), you will have to meet the following requirements:

• 20年- 100%退休保费
• 15年- 75%的退休保费支付
• 10年-支付50%退休保费

兼职雇员- FICA替代计划

美国大都会保险公司（MetLife）推出了一项代替社会保障的退休计划。 Participants will have 7.5% of their salary deducted pre-tax for the PERC plan. Part time employees at Collin College must participate in the FICA Alternative Plan, unless they are exempt by the following:

• 现时退休计划或退休计划的退休人员；
• 在其他地方从事全职工作的在职TRS会员，或
• an International employee working in the United States based on F1, J1, M1, or Q1 visa.
  

The FICA Alternative Plan features tax deferred contributions and interest accumulation, 100% vesting immediately, portability or transfer to an individual IRA upon complete separation of employment, and no annual service fee for active accounts. For questions on the FICA replacement, please reach out to Chuck Mulkey at cmulkey@financialguide.com or 972.246.1857.

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