457 Deferred Compensation for Active Members

Overview

• This plan gives you more flexibility in how to save for retirement.
• Choose your mix: Contribute traditional (pre-tax), Roth (after-tax), or a combination of both to your NDPERS 457 Plan. Watch Plan Smart, Retire Strong for details.
• Enroll or change your monthly contribution into your 457 Deferred Compensation at any time.
• Choose your provider: Join the NDPERS Companion Plan (Empower) or choose your own investment provider. The NDPERS Board only oversees the Companion Plan investment options.
• Name your beneficiary(ies) directly with your provider.
• In the event of a divorce, review the Qualified Domestic Relations Order.

Plan Specific Information

• Members in the Defined Benefit Plan may be eligible to earn additional funds through the Portability Enhancement Provision (PEP).
• Members in the Defined Contribution 2025 Plan receiving the employer match through the NDPERS 457 Plan may choose to make their Roth 457 catch-up contributions earlier in the year to avoid missing out on the match. Employers can only match with pre-tax funds.

Enroll or Update your Contribution

Enroll or change your monthly contribution into your 457 Deferred Compensation at any time. Get started with a minimum of $25 per month. Federal annual limits apply. 

• Log into your Member Self Service (MSS)
• Submit the Enrollment/Change Form SFN 3803 (Companion Plan or Other Providers)

2026 Contribution Limits

• Annual limit: $24,500
• Age 50+ Catch-Up for members ages 50 to 59: $32,500* 
• NEW Super Catch-Up for members ages 60 to 63: $35,750*
• Regular 3-year Catch-Up: $49,000 (available 3 years prior to the retirement year)   

*Members earning over $150,000 in 2025 and paying into Social Security must make catch-up contributions on a Roth (after-tax) basis.
 

Other Providers

Investment Providers 

• Bravera Wealth formerly known as American Trust Center
• Nationwide Life Insurance

Savings Provider: Bank of North Dakota

When you enroll with one of the Other Providers, you are responsible for meeting with your provider to set up your account, monthly payroll contribution, and beneficiaries. As part of your account setup, you can select your investments and ensure your beneficiary designations are in place. Use the Investment Providers list to find a provider near you.

Additional Information

• Plan Handbook Overview
• Investment Options Summary
• 457 Deferred Compensation Plan Document effective January 1, 2026
• 457 COMPANION Plan Document: effective January 1, 2026
• Companion Plan Fees
• Guide to Your Money and Your Financial Future
• Companion Plan Quarterly Performance Report
• Companion Plan Investment Policy
• Portability Enhancement Provision (PEP)