Human Resources
Menu

Current Employee

Even if your retirement is decades away, it’s not too early to begin thinking about it. JHU’s retirement plans reward you for your contributions and help you build toward future financial security, so the earlier you start, the better. Your particular plan depends upon your job classification and hire date.

Coming in 2026: New Rules for Catch-Up Contributions

Starting January 1, 2026, a new federal law (the SECURE Act 2.0) will change how catch-up contributions work for employees who earned more than $145,000 in the prior year. If this applies to you, any catch-up contributions you make will need to be made as Roth (post-tax) contributions instead of pre-tax.

We’ll share more information and next steps in the coming months to help you understand what this change means for you and how to prepare.

403(b) Retirement Plan Features

Your financial future is important. It’s easy to save for retirement with the 403(b) plan and its auto-enroll and auto-save features.

Learn more about 403(b) retirement plan enrollment

Video: All About 403(b) Retirement benefits

Join the Marsh McLennan Agency, an independent investment advisor, to hear about the features of JHU’s 403(b) Retirement Savings Plan including auto-enroll and auto-save.

Watch the video Passcode: =80Wrw5%

Visit the TIAA website to opt out of auto-enrollment or select a different deferral amount. All 403(b) elections are prospective, and the payroll cut-off calendar is available to show when your elections will take effect.

JHU Retirement Plans

JHU 403(b) 4/8 Plan

Eligibility for the JHU 403(b) 4/8 Plan is based on your employment status.

Get plan details for:

JHU 403(b) 6/12 Plan

The JHU 403(b) 6/12 Plan allows eligible employees to make pre-tax contributions and receive contributions to their plan from the university.

Get plan details for:

Pension Plan Plus Staff Voluntary 403(b) Plan

The Pension Plan—offered to support staff members hired before July 1, 2009, who selected this option during Retirement Choice and to LIUNA bargaining unit members—pays a monthly retirement income based on length of service with the university, earning and salary history with the university, and age at retirement. In addition, eligible participants can make pre-tax contributions to the staff voluntary 403(b) plan and receive some matching university contributions.

Get information for:

Income Deferral Plan

The Income Deferral Plan is a 403(b) plan offered to qualifying residents, interns, and clinical fellows receiving taxable compensation.

Learn more about eligibility and the Income Deferral Plan.

Plans by Position

Not sure which retirement plans apply to you? Click the links below for details:

Decision Support and Advice

SUPPORT FOR CURRENT EMPLOYEES

Marsh McLennan Agency (MMA)

To help you make decisions about your financial planning and retirement investments, JHU partners with Marsh McLennan Agency (MMA), an independent investment advisor.

  • MMA’s Prosper Wise is a digital platform and one-stop hub for all things financial planning including budgeting, managing debt, creating an emergency fund, saving for goals, helpful habits, the best time to claim Social Security, and more. Through Prosper Wise, you can access educational videos and courses, live and on-demand webinars, news articles, financial calculators and more. Click here to sign up for your financial well-being account with MMA Prosper Wise.
  • Schedule a consultation to speak to a financial professional from Marsh McLennan Agency (MMA) regarding any questions that are specific to your individual financial needs. Consultations can be scheduled up to 30 days in advance with appointment times ranging from 15 to 25 minutes. Various financial topics can be discussed including: your employer retirement plan, general investment questions, social security, debt & budgeting, employee benefits & insurance, tools available on the Prosper Wise site, and pre-retirement planning. Meetings are conducted virtually through Zoom at a date & time that is convenient for you. MMA is available to assist Monday through Friday from 9am-5pm EST.

TIAA

You can also access personalized advice on the retirement plans’ investment menus from TIAA, our 403(b) retirement plan vendor. When you meet with a TIAA financial consultant, you’ll get answers to questions such as:

  • Am I saving enough?
  • Should I change or rebalance my investment strategy?
  • Am I on track to meet my retirement goals?

Advice and education are available as part of the Johns Hopkins University retirement plan at no additional cost. Take advantage and schedule a virtual financial counseling session online, or by calling 800-732-8353, weekdays, 8 a.m. to 8 p.m. ET.

Learn more by exploring the education and learning site provided by TIAA. Their site provides an overview of investing basics and retirement planning, including information about asset allocation, Social Security, and other retirement topics. Planning tools and calculators are available so you can determine if you are on the right track towards your financial goals.

On-Demand Webinar Series

Learn more about preparing for retirement through this on-demand webinar series. Specially trained, licensed MMA financial coaches offer informative and interactive lessons, tailored to JHU’s retirement plans, that can help you progressively build your knowledge from foundational to advanced topics.

your retirement savings on the go

The TIAA app helps you manage your retirement account on the go. Among other convenient features to manage your money, you can check your TIAA account balances and details, including year-to-date contributions.