The Research Foundation's retirement offerings are explained below.  The Research Foundation’s retirement plan is administered by TIAA-CREF. 

Group Supplemental Retirement Annuity (GRSA), a 403 (b) Plan

GSRA is a voluntary employee tax deferral plan that allows an employee to defer pre-tax earnings to IRS annual maximums. An additional amount can be contributed if you are 50 years or older (“Catch-Up Contributions”), pursuant to IRS guidelines. Contributions to this plan are set up through payroll deductions. Taxes on the contribution, plus any interest or dividends, are deferred until funds are paid out from the annuity as benefits or are withdrawn from the annuity. This plan consists entirely of Employee contributions.

For more information, please follow the link below:

Link to GSRA Plan Summary

To initiate contributions, employees must complete a Salary Reduction Agreement application (link below).

Link to Salary Reduction Agreement


Retirement Annuity (RA), a 403 (b) Plan

This is a “Defined Contribution” retirement benefit. It consists entirely of employer contributions. This plan is also administered by TIAA-CREF. 

Benefited employees become eligible for this contribution after completing one year of benefited service and completing at least 1,000 hours of service. The Research Foundation contributes 7% of benefited employees' base salary each semi-monthly pay period into the employee’s retirement account with TIAA-CREF. There is no employee vesting period associated with this program. 

PLEASE NOTE: To initiate contributions, the employee must first complete an application (link provided below). To receive this benefit, the employee must initiate contributions on a timely basis, as there is no provision for “backdated” contributions.

San Jose State University Research Foundation Defined Contribution Retirement Plan (RA)


Research Organizations Retiree Medical Trust

Notice of Participant Rights to File Complaints under Knox-Keene

July 1, 2017 Amendment to RORMT