Now Available: Your 2017 Retirement Review

Get your Retirement Review.

You can view your 2017 Retirement Review right here.

You'll be asked to sign in using the same ID and password you use to access your 403(b), 457(b), and DC Plan accounts on

Your 2017 Retirement Review, complete with your updated Retirement Readiness Score, is available now.

Your Retirement Review is a personal statement that is designed to show you the monthly retirement income you could have from your UC retirement benefits, assuming you retire from UC at age 65, or your age plus three years if you are currently 62 or over.

It includes a readiness measure—the Retirement Readiness Score—that can help you quickly determine how you’re tracking toward your retirement goals.

Here’s what you need to know.


Your Retirement Readiness Score is the percentage of your current income that you’re on track to have at retirement, assuming you work for UC for the rest of your career and retire from UC at age 65, or your age plus three years if you are currently 62 or over.

The score is calculated from the potential retirement income provided by your UC retirement benefits: your UC Retirement Plan (UCRP) pension and your voluntary savings in the UC 403(b), 457(b), and DC Plans.

  • If you are a Career employee, the Retirement Readiness Score* is automatically calculated for you. In general, the 2017 Retirement Review is available to employees who are eligible for a UCRP pension benefit, were hired before July 1, 2016, and received pay from UC in November 2016.
  • If you are a former UC employee, and you have an account balance of $2,000 or more, you can get your Retirement Readiness Score* once you enter your current annual pay. It won’t include any savings or benefits you may have outside of your UC retirement benefits, unless you manually add them in the modeling tool available in the Retirement Review.
  • If you are a multi-tier or 2013–A modified tier UCRP member, you can get your Retirement Readiness Score* once you enter your current annual pay and other information.
  • If you’re a Safe Harbor employee or a Choice-eligible employee hired on or after July 1, 2016, you do not have access to the Retirement Review this year.   


The Retirement Review includes both your savings and your UCRP pension benefit.

  • Savings Plan account balances. If you have a balance in the UC 403(b), 457(b), and/or DC Plans, the Retirement Review assumes that your balance stays in the plan and earns a hypothetical annual rate of return until you retire .*
  • Savings Plan contributions. If you are actively contributing to the UC 403(b) and/or 457(b) Plans, the Retirement Review assumes you will continue to contribute that amount and that your contributions earn a hypothetical annual rate of return until you retire.*
  • UCRP pension benefit. UC estimates the amount of your pension benefit at age 65, or your age plus three years if you are currently 62 or over, using your annual pay and years of service as of November 2016.


The Retirement Review is an estimate based on your recent compensation data. The actual amount of your final pension benefit depends on how long you work for UC, your highest average pay, and other factors.

  • The average UC retiree has roughly 20 years of service. For most employees, that equates to a UCRP pension benefit at age 60 of 50% of their highest average pay. If you were hired on July 1, 2013, or later, that equates to 50% at age 65.
  • If you’re like many people, you’ll work for several employers during your career, and you might not stay at UC long enough to build your UCRP pension benefit to a level that can meet your needs.

What does this mean for you? You may need to save some of your own money to maintain the standard of living you’re used to. And that’s where UC’s Retirement Savings Plans (UCRSP)—the UC 403(b), 457(b), and DC Plans—come in. Together, UCRP and the UCRSP help give you the best chance for financial security when you retire.


Yes. The Retirement Review includes a modeler that lets you explore different assumptions, such as the amount you save in the UC 403(b) or 457(b) Plans, or the age at which you retire.

You can use the modeling tool to add in other sources of retirement income, including an IRA and Social Security. Have an old 403(b) or 401(k) account? Enter it in the modeler too, but remember you have the ability to roll it over into one of your UC retirement accounts. You can even add in your spouse or partner's retirement assets to get a more holistic view of your retirement income.


* Your Retirement Review and Retirement Readiness Score assume you’ll retire from UC at age 65, or your age plus three years if you are currently 62 or over

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