What are the costs to participate in a 403(b) and/or 457(b)?

To find out the cost of participating in a 403(b), contact your 403(b) company for details. Be sure to ask about commissions, management and administrative fees, 12b-1 fees, mortality and expense charges, and surrender charges. HCPSS does not receive any money for providing this retirement benefit.

To find out the cost of participating in a 457(b), contact Nationwide for a list of
fees and expenses that are charged against your account. These will vary by the fund(s) you select. Be sure to ask about loans, commissions, investment fees,
12b-1 fees, and any other charges. HCPSS does not receive any money for providing this retirement benefit.