The Colleges' retirement plan is administered through Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF). This is a tax deferred annuity plan authorized by Section 403(b) of the Internal Revenue Code. Employee participation in the Plan is strongly encouraged. Contributions can be made either on a before-tax or after-tax basis and these elections may be changed up to four times during each calendar year.

Faculty and Administrative Staff Benefit

The amount employees contribute to the retirement plan is subject to annual limits established by the IRS. This plan does not allow in-service withdrawals or loans.

For detailed information on the retirement plan, click on the following

Hobart and William Smith Colleges Defined Contribution Retirement Plan Document - PDF

Hobart and William Smith Colleges Tax Deferred Annuity Plan Document - PDF

For all employees:

Supplemental 403 (b)(7) Retirement Saving Plans




The benefit plans summarized on these web pages are guidelines only. Every effort has been made to make these descriptions as brief, accurate and easy to understand as possible. Therefore, all details may not be described here. If there is a difference between the information in this publication and the official plan documents, the official plan documents will govern. In addition, the Colleges retain the right to supplement, modify, amend or eliminate benefit policies and plans. For more specific information, please contact the Office of Human Resources.


Preparing Students to Lead Lives of Consequence.