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NC 401(k), NC 457, and NC403(b) Program
Saving for retirement is an important step toward living out a more secure future. 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!

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!

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

NC 403b Program

The NC 403(b) Program is a new low-cost, centrally-administered retirement option for many public school employees.


Am I saving enough for retirement?

Not sure if you need supplemental savings? Your Annual Benefits Statement will help you determine if you are saving enough for a secure retirement. 

Login to ORBIT to view your current or past Annual Benefits Statements. Be sure to pay attention to the personalized gap analysis.

Login to ORBIT to view your Annual Benefits Statement

Which supplemental savings option is right for me?
As a public employee in North Carolina, you are fortunate to have three great supplemental retirement savings options available to you: the NC 401(k) Plan, the NC (457) Plan, and the NC 403(b) Program

While they are similar in many ways, there are some unique differences between the options. Click here to see a Plan Comparision Chart.​

​North Carolina Total Retirement Plans and the North Carolina Total Retirement Plans logos are service marks of the North Carolina Department of State Treasurer.