NC 401(k) and Deferred Compensation Plans

This exclusive message, for North Carolina public employees, is a quick and insightful podcast from State Treasurer Janet Cowell that will provide you with valuable perspective on the current economic situation and give you tips on finding extra money to save for your future.
An Audio Message From Treasurer Cowell


Welcome to the North Carolina Supplemental Retirement Plans web page. Here you will find information and links for the NC 401(k) and NC Deferred Compensation (457) plans. These plans are administered by the NC Department of State Treasurer and provided by Prudential Retirement. If you are looking for the link to your account information or trying to learn more about the plans before you enroll, you are in the right place! 

To learn more about the differences between the NC 401(k) and NC Deferred Compensation (457) Plans, or to learn more about the investment options offered by the Plans, please visit our Plan Features page.

Not sure if you need supplemental savings? Your Annual Benefits Statement will help you determine if you are saving enough for a secure retirement. Log in to ORBIT to view your current or past Annual Benefits Statements. Be sure to pay attention to the personalized gap analysis!

If you have questions regarding your account or the investment options in the plans, call 1-866-NCPlans (1-866-627-5267) or visit the Supplemental Retirement Plans website at www.NCPlans.prudential.com.

Supplemental Plans Transfer Benefit

Beginning July 1, 2011, all members of the Teachers' & State Employees' Retirement System (TSERS) and Local Governmental Employees' Retirement System (LGERS) will be able to transfer their NC 401(k) and/or NC 457 funds to the NC Retirement System to receive an additional monthly benefit. 

Transfers are a one-time, irrevocable election. You may apply to transfer all or a portion of your NC 401(k) or NC 457 funds by submitting a completed Form 319401k for the NC 401(k) or Form 319457 for the NC 457.

The North Carolina Retirement Systems and Prudential Retirement, administrator of the NC 401(k) and NC 457 plans, have partnered with the State Employees’ Credit Union to provide you with information on the NC 401(k) and Deferred Compensation Transfer Benefit.

  • SECU employees are ready to advise you on whether this benefit is right for you. It offers this service free of charge, and you do not have to be a Credit Union member. Call SECU at 1-888-732-8562 and select option “3” to reach an experienced call center staff person, or visit the NC 401(k)/457 Plan Transfer Benefit website at www.nclifetimeincome.org.
  • If you have questions about how to apply for the Transfer Benefit or want to check the status of your application, call the NC Retirement Systems at 919-807-3050 (Raleigh area only) or 1-877-NCSECURE (1-877-627-3287).
  • To better understand the relationship between the transferred amount and the monthly benefit, use the estimator found in your personal ORBIT account.
  • For any other questions about the NC 401(k) or NC Deferred Compensation (457) Plans, visit www.ncplans.prudential.com or call Prudential Retirement at 1-866-NCPLANS (1-866-627-5267).

Additional Links:

Balancing Income and Expenses
Length of Payments
Taxes
Stock Market Risk
Costs to You
Inflation Protection
Guaranteed Payment Options
Special Options for Law Enforcement Officers
Your Choices
How the Transfer Benefit is Calculated
Frequently Asked Questions