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Promoting 403(b) Savings

All employees must be notified of their right to participate in the 403(b) plan and make pre-tax contributions.

See how much to contribute

2015 Contribution Limits Calculator graphicContribution Limits Calculator
Determine the maximum amount your employees can contribute 


Sidebar: Saving for Retirement in 3 Simple Steps

YMCA Best Practices

The Fund polled Ys with the highest rates of 403(b) Smart Account participation among staff. Learn their best practices.

403(b) Universal Availability

Learn more about the IRS Universal Availability rule and how it applies to your Y.

Notice to New Hires

Sample wording that you can include in new hire packets, employee handbooks, personnel policy manuals, or other handouts to new employees.

Educational Materials for Staff

Use these materials to educate the staff at your Y about the 403(b) Smart Account.