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NC 401(k), NC 457, and NC403(b) Program

Saving on your own in one of the NC Total Retirement Plans is an important step toward retirement readiness - meaning you can replace 80% of your pre-retirement income each year throughout your retirement!​

NC 401(k) and NC 457 Plans
The NC 401(k) and NC 457 Plans are defined contribution plans, which consist of your personal contributions, any employer contributions (if applicable), and any earnings on the plan investments you’ve selected.

Features of these plans include pre-tax contributions, Roth after-tax contributions, flexible withdrawal options, and more! MANY employers offer a contribution or match for members who save on their own in the NC 401(k) or NC 457 Plans. 

Learn more about the NC 401(k) and NC 457 Plans

NC 403b Program for K-12 and Community College Faculty and Staff

The NC 403(b) Program is a centrally-administered, award-winning retirement option customized for our K-12 public school and community college employees.


Am I saving enough for retirement?

Not sure if you need to supplement your retirement savings on your own? Your myNC Retirement Statement will help you determine if you are saving enough for a secure retirement!

Which supplemental savings option is right for me?
While they are similar in many ways, there are some unique differences between the options. Click here to see a Plan Com​parison​ Chart​.​

Total Retirement Plans navigation NC Total Retirement PlansNC 401(k)/and NC 457 PlansNC 401(k)/457 Investment OptionsNC 401(k)/457 Transfer BenefitNC 403(b) ProgramNC 403(b) Investment Options​​