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Vanguard

TIAA-CREF

Prudential

Fidelity

Fidelity 401k

Why Choose Us?
Fidelity Investments America’s largest privately held investment company was founded in 1946. Fidelity has always been committed to providing exceptional money management, outstanding customer service, and state-of-the-art technology. Fidelity is committed to providing a range of investment options, proven long-term performance, educational resources, and superior customer service to all our participants to help them plan for retirement. In addition, Fidelity offers diversification of choices including different market capitalization funds (large, mid and small cap), and valuable investment planning tools including NetBenefits and Portfolio Planner. Individual retirement consultations are available by appointment on the USC campuses.
TIAA For over 90 years, TIAA has brought low cost, high quality investment products and services designed and offered exclusively for people in education, research, healthcare, and other related not-for-profit institutions. TIAA’s trusted reputation for offering objective guidance and advice, through a dedicated team of non-commissioned investment professionals, has helped countless people achieve financial security for retirement. TIAA’s unsurpassed reputation and dedication to the higher education marketplace has helped sustain the highest ratings from independent ratings agencies, which is a reliable testament to the financial strength and claims paying ability of the company. TIAA products are priced among the lowest in the industry, and regular onsite counseling is provided at all campuses on a monthly basis, and at local office locations in Pasadena and Newport Beach.
The Vanguard Group Vanguard is one of the world’s largest investment management companies, with more than $3.6 trillion in assets. Vanguard offers high-quality rated funds, award-winning client service, and costs that are well below the industry average. Make an appointment with us for a review of your situation.
Changing Your Investment
Fidelity Investments Typically, there are no limits on moving funds between investment options or to another active provider within the USC plan. However, there are excessive trading limits as well as short-term trading fees for some funds. The guaranteed interest account has both restrictions and fees. Contact Fidelity for additional information.
TIAA Participants can exchange freely among the variable and mutual fund accounts. To preserve the highest interest rate possible, exchanges from the fixed annuity accounts (TIAA Traditional) are limited to 10% per year.
The Vanguard Group Typically, there are no limits on moving funds between investment options or to another active provider within the USC plan. Note: Because Vanguard advocates a long-term investment approach, you may not exchange into a fund account for 60 calendar days after an exchange out of that fund account occurred. Please be aware that Vanguard may limit exchange privileges if it is determined that a participant is exchanging to the detriment of a fund. Refer to the fund prospectuses for more detailed information.
Surrender Charges or Limitations
Fidelity Investments Typically, there are no limits on moving mutual funds between investment options or to another provider. However, there are excessive trading limits as well as short-term trading fees for some funds. Contact Fidelity for additional information.
TIAA There are no surrender charges or limitations on any variable annuity or mutual fund accounts. Balances in the Group Retirement Annuity contracts are fully available within the first 120 days after termination of employment with a 2.5% surrender charge. After 120 days, withdrawals are limited to 20% per year with no surrender charge. Cash withdrawals from Retirement Annuity contracts are limited to 10% per year with no surrender charge.
The Vanguard Group Typically, there are no limits on moving mutual funds between investment options or to another provider. However, there are excessive trading limits as well as short-term trading fees for some funds. Contact Vanguard for additional information.
Management Fee/Other Expenses
Fidelity Investments plan information
TIAA plan information
The Vanguard Group plan information

Currently, Vanguard charges a $21 annual fee per account.

For More Information about Service and Performance
Fidelity Investments www.netbenefits.com/uscrp or (800) 343-0860
TIAA www.tiaa.org/usc or (800) 842-2252
The Vanguard Group www.vanguard.com/usc or (800) 523-1188
Participant Fee Disclosure Notice

The Participant Fee Disclosure Notice, required by the Department of Labor, was developed to help ensure that participants (and also employees who are not participating or not yet eligible to participate) receive sufficient information regarding their plan and the investment options available to them.

USC has directed TIAA, one of the vendors available under the USC Retirement Savings Program, to collect this data from all of the vendors and present their information in a combined notice. This publication contains information that can help you make informed decisions about any account you may have in the retirement plan and includes:

  • Fees and expenses related to plan accounts
  • Participant rights under the plan
  • Rules related to providing investment direction
  • Details about the plan’s investment options, including investment-related fees and restrictions

For most participants, this notice will be provided annually. The most recent disclosures:

If you have any questions regarding this notice, please contact the USC Retirement Administration Office at rpadmin@usc.edu.