1. Retirement Savings Account “Fin-formation”
Eligible employees working 19.2 hours or more per week can contribute to a Safe Harbor 401k with matching contributions up to 10% after one (1) year of employment at NSU!
Employee contributes 0%
Employee contributes 1%
Employee contributes 2%
Employee contributes 3%
Employee contributes 4%
There are two investment providers at NSU, TIAA and Valic.
Employees can enroll or make changes to contributions, schedule individual advisory sessions, and access valuable financial education by visiting the Retirement Plans section of the Benefits website at
Enrollment Instructions

2. If employees contribute 0% after 1 year…
Home
Employee
contribution is
0% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
0% =
Total NSU contribution 2% 1% 2% 3% 4% 2%
(vested after 3 years)
TOTAL RETIREMENT SAVINGS

3. If employees contribute 1% after 1 year…0%
Employee
contribution is
1% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
1% =
Total NSU contribution 4%
Home 2% 3%
(vested after 3 years) 4% 5%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

4. If employees contribute 2% after 1 year…
contribution is
2% +
NSU basic contribution of
NSU Safe
Harbor Match of
NSU additional
match of
2% =
Total NSU contribution 6% 8%
If employees contribute 2% after 1 year… 0% 1%
Home 3%
(vested after 3 years) 4%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

5. If employees contribute 3% after 1 year…0%
Employee
contribution is
3% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
3% =
Total NSU contribution 8% 1% 2%
Home
(vested after 3 years) 4%
11%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)

6. If employees contribute 4% after 1 year…0%
Employee
contribution is
4% +
NSU basic contribution of
2% +
NSU Safe
Harbor Match of
NSU additional
match of
4% =
Total NSU contribution
10% 1% 2% 3%
(vested after 3 years)
Home
14%
(vested immediately)
(vested after 3 years)
TOTAL RETIREMENT SAVINGS
(vested immediately)