CCA Retirement Plan Information

Last updated on Aug 11, 2026

Join CCA Retirement Plan Informational Session on August 27 at 9:30am

Providing retirement benefits is one important way we care for CCA employees and their families. The CCA retirement plan administered through TIAA provides employees with the opportunity to build savings to meet long-term financial goals. The plan gives you two ways to save:

You may contribute to the Traditional 403(b) plan on a pre-tax basis, and/or
You may contribute to the Roth 403(b) plan on a post-tax basis

	Traditional 403(b) Plan	Roth 403(b) Plan
Plan Benefits	Save for your future with pre-tax dollars.	Save for your future with post-tax dollars.
Tax Advantages	Your contributions are tax free and lower your taxable income now. You pay tax on your contributions and investment earnings when you withdraw funds during retirement.	Your contributions are made with post tax dollars. When you withdraw funds during retirement, you do not pay taxes on your contributions; however, your investment earnings may be subject to state income tax.

Annual Contribution Limits	For 2026: 2026 IRS Limits (this is based on your age in 2026): >>Employees age 49 and younger are eligible to elect up to $24,500 in retirement contributions as either a Traditional 403(b) or as a Roth 403(b) or a combination thereof. >>Employees age 50 and older are eligible to make a retirement “catch-up” contribution up to $8,000, as either a Traditional 403(b) or as a Roth 403(b) or a combination thereof, for a maximum total contribution of $32,500 in a calendar year. >>Employees that will attain age 60-63 in 2026 will be able to make a retirement “catch-up” contribution up to $11,250, as either a Traditional 403(b) or as a Roth 403(b) or a combination thereof, for a maximum total contribution of $35,750 in a calendar year.
Employer Match	CCA offers a 3.5% retirement match that is 100% vested after two years of service after non-union employees. Union employees are provided benefits according to the Collective Bargaining Agreement in place. Please note that the CCA match is calculated on a per pay period basis. To take full advantage of the match, it is recommended that you disperse your contributions over the full calendar year.
Plan Investments	Wide range of funds available, including a brokerage option; make and change investments online at tiaa-cref.org/cca.
Rollovers	You can choose to rollover your 401(k) or 403(b) from a former employer. Please contact TIAA at 800-842-2252 to speak with a financial consultant who can walk you though the process.
Enrollment	You can start, stop and change your retirement elections at anytime in Workday. Type "Retirement Savings Elections" in the Workday search bar and follow the prompts from there.

No cost personal financial consulting with a licensed advisor from Creative Planning (previously named SageView Advisory Group), CCA’s retirement advisor, is available to all employees. Creative Planning's Heather Mazander is available to discuss retirement plans or other financial matters. Get help with topics such as:

Investment Allocation
Budgeting & Saving Strategies
Retirement Income Analysis

CCA employees may reach out to Heather directly using his contact information below.

Heather Mazander

Financial Wellness Consultant

Creative Planning

(650) 382-1643

[email protected]

You can also scan the QR code below to schedule a 1/1.

For Workday assistance	Contact [email protected]
For questions related to rollovers, loans, plan rules or distributions	Contact TIAA at (800) 842-2252
For questions related to retirement and financial planning	Contact Heather Mazander, Creative Planning, (650) 382-1643, [email protected]

Resources

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Creative Planning - Navigating Retirement Plan Changes
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Creative Planning - Financial Resources

RESOURCES FOR
THE CCA COMMUNITY