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Holy Cross has a normal retirement date of the last day of the month in which you attain your 65th birthday.  You may apply for retirement benefits at an earlier or later date by contacting the human resources department. It is recommended that you do so at least 120‐days prior to retirement.

College of the Holy Cross DC Retirement Plan Disclosure Notice

The College of the Holy Cross maintains the COLLEGE OF THE HOLY CROSS DC RETIREMENT PLAN (the “Plan”).  Your Plan administrator has directed Fidelity Investments (“Fidelity”), one of the Plan’s providers, to develop a consolidated brochure based upon information provided by each of the following investment providers:

  • Fidelity Investments
  • TIAA

To view this brochure and obtain more up-to-date investment performance or Plan information, please go to  (Password : 65424)

Changes effective June 1, 2015: View information here (PDF)

Retirement Plans

Non-Exempt Employees

Holy Cross maintains a defined benefit retirement plan for non‐exempt employees at no cost to the employee. If you work a minimum of 1,000 hours and you are 21 years of age, you may participate in the plan after one year of continuous service. If you participate in the plan, your benefit is at least 2% of your average base salary times your years of service.

The plan requires that you complete five years of service in order to be vested and entitled to receive a retirement benefit in accordance with the terms of the plan. The benefits under the plan are based on your years of service and pay history during those years, in accordance with the plan document.

Exempt Employees

Exempt employees are required to participate in a TIAA or Fidelity defined contribution retirement plan. Contributions by you and the College are mandatory. The employee contributes 2% and the College contributes 10% of the employee's base pay up to the social security maximum. Over the social security maximum, the employee contributes 5% and the College 12%. There is a one‐year waiting period, unless previous employment circumstances have met the criteria of the plan document. More information can be obtained from the human resources department.

Master Administrator

The College is pleased to announce the launch of a new retirement planning website for the College of the Holy Cross 403(b) Defined Contribution and Group Supplemental Retirement Plan.

The site,, which may be used by all employees (current Fidelity or TIAA plan users, as well as first-time enrollees), allows you to:

  • Enroll in the retirement Plan
  • Change your investment service provider (Fidelity Investments or TIAA)
  • Change your retirement plan contribution amount
  • View Plan details
  • Use interactive tools and calculators to help you set financial goals

Please see the enrollment guide below in regards to navigating the website and learning more about the 403(b) Plan

Retirement Education and Counseling Sessions

Retirement planning consultants from TIAA and Fidelity are regularly scheduled on campus each month to conduct personal financial one-on-one counseling sessions. Please call to register for your personal counseling session:

TIAA     800-732-8353
Fidelity  800-642-7131

Other Retirement Resources