403(b) Roth

Tools and Resources



Eligible employees can contribute from 1% to 91% of regular salary, subject to IRS maximum deferral limits. The IRS sets limits annually. The maximum deferral limit for 2018 is $18,500 per calendar year. If you are over age 50, you can make additional catch-up contributions (for 2018, the IRS limit is $6,000).

  • Employee’s Basic Contributions (contributions up to 2% of regular salary) are matched by Emory.

  • Employee’s Supplemental Contributions (contributions over 2% of regular salary) are not matched by Emory.



Upon completion of one year of service in which an eligible employee has worked 1,000 hours, Emory will begin making employer contributions.  Employees do not have to make a contribution to receive Emory’s Basic contribution, but will have to contribute to receive the Emory Match.

Employees may be eligible to waive the one year service requirement if they participated in their prior employer’s sponsored retirement plan and received employer contributions in the plan immediately prior to joining Emory. To complete the Certification of Participation, log on to Self-Service, select Benefits then 403(b) Savings Plan Election

Emory’s Basic Contribution (6%):

Emory provides a basic contribution of 6% of regular salary. Once you are eligible, Emory’s 6% contribution to your retirement will be effective on the first of the month coincident with or next following the date your eligibility is satisfied. 

Emory’s Matching Contribution (1.5% to 3%):

The matching contribution will be effective at the same time your employer basic contribution begins as long as you are making the appropriate contribution. If you are not making a contribution, the Emory Match will begin after you have satisfied the eligibility requirement and your contributions start.

Emory will match employee contributions as follows:

Below is an example of the total 403(b) contributions received for an eligible employee who contributes 2% to the 403(b):

 403b contributions example

All Emory Employer contributions are on a pre-tax basis.

Voluntary employee contributions will be contributed to the Plan on a payroll-by-payroll basis and you should consider this fact if you want to maximize the Matching Contributions you can receive under the Plan.

You are only eligible to receive Matching Contributions in payroll periods in which you make voluntary employee contributions.