Wise Information for K‑12 Employees



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Employer Information: IRS 403(b) Information

Choose a Plan - includes information on Form 5500 filing requirements

Participate in a 403(b) - includes information on who is eligible and Universal Availability Rule

Establish a 403(b) - includes information on Written Plan adoption, Model Plan Language for Public Schools, and Safe Harbor Requirements

Operate and Maintain a 403(b) Plan - includes information on regular plan review and maintenance, Form 5500 filing requirements, and non-discrimination provisions

Correct 403(b) Plan Errors - Includes a 403(b) Plan Fix-It Guide

Terminate a 403(b) Plan

Additional IRS Resources

IRS Publication 571 - Tax-Sheltered Annuity Plans (403(b) Plans) For Employees of Public Schools and Certain Tax-Exempt Organizations

IRS 403(b) Plan Fix-It Guide

IRS 403(b) Annual Plan Checklist 

K-12 Stories

Indexed Annuities: Inside the Sales Pitch

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These can be expensive, punitive and complex products. Here's what you need to know.