555 S Howes St, Second Floor
Fort Collins, CO 80523-6004
(970) 491-MyHR (6947)


Voluntary Retirement Plans

All Employees


Eligibility 403(b) PERA 457 PERA 401(k) Loans & Hardship


CSU offers employees the opportunity to contribute on a pre-tax basis to voluntary tax-deferred investment accounts. These accounts can supplement your basic retirement plan.

Colorado State University (CSU) is a public education institution eligible to offer a voluntary retirement savings program as described under section 403(b) of the Internal Revenue Code (also referred to as a “403(b) Plan”). The Public Employees Retirement Association (PERA) also provides two voluntary retirement savings programs: a 457 plan and a 401(k) plan.

Election/Payroll Deduction Forms pdf icon

To enroll, complete a salary deferral election form and the required vendor application. New enrollments / changes are due by the 10th day of the month for the change to be effective for the monthly payroll cycle.


  • All non-student employees can participate in CSU’s 403(b) Plan through Fidelity Investments, TIAA-CREF and VALIC (see Authorized Vendors below).
  • All employees can participate in PERA’S 457 Plan and/or PERA’s 401(k) Plan. (For more information, visit the PERA website or call 800-759-7372.)

403(b) Tax-Deferred Annuities and Custodial Accounts pdf icon

Under the 403(b) plan, eligible employees may contribute on a pre-tax basis, in which investment earnings grow tax-deferred until they are distributed. The employee is responsible for investigating and selecting an investment service program (vendor) and investments from among the vendors available under the plan.

403(b) Vendors

CSU has established relationships with three vendors to provide 403(b) arrangements for both “Traditional” and “Roth” accounts.  A Traditional account is funded with pre-tax contributions and a Roth is funded with after-tax contributions.

Fidelity Investments, (800) 642-7131

TIAA-CREF, (800) 842-2009

VALIC, (970) 229-9300

PERA 457 Deferred Compensation Plan pdf icon

This plan is offered by Colorado PERA to all CSU employees. The plan is managed and administered by Colorado PERA. An enrollment packet is available from the CSU Benefits Office.

Your initial enrollment form must be submitted to PERA. You will then be sent a secure PIN by PERA which allows you to complete the enrollment process online and to make future changes to contribution amounts or fund selections. Payroll deductions are initiated the month following completion of the online enrollment process.

PERA 457, (800) 759-7372

PERA 401(k) Plan

PERA manages the 401(k) plan.

To participate, complete a salary deferral election form and the necessary PERA application available in the CSU Benefits Office. New enrollments/changes are due by the 10th day of the month for the change to be effective for that monthly payroll cycle.

PERA, (800) 759-7372

Loans & Hardship Withdrawals

Accessing your 403(b) account(s) with Fidelity, TIAA-CREF, and/or VALIC to secure a loan or a hardship withdrawal