How Do I Increase My Contribution?

Yearly Deferral Increases

A small deferral increase each year can make a big difference with your retirement account. At any time, you can increase your deferral by logging into your online account, or by calling an Account Executive at 877-644-6457.

You can also enroll in the SMarT Plan, where deferrals to your account will automatically increase each year by the amount you choose (not to exceed the annual limit allowed by law). Just call the Service Center at 877-644-6457 or complete the SMarT Plan form.

You can always change your SMarT increase amount or reset to your regular deferral amount by contacting the Program.

No SMarT vs. $10 SMarT on a current balance of $0 with 6% compounding interest over 30 years.

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