Retirement

CNCA Retirement: As a California public school employee, you’re automatically enrolled in a state retirement plan (CalSTRS or CalPERS), which helps you build long-term financial security. It’s a real-deal pension, not just a savings account—so the longer you stay, the more your future self wins.

CalSTRS is your built-in retirement superpower if you're a certificated educator. You contribute a little each paycheck (10.205%–10.25%, depending on your plan), and CNCA adds a hefty 19.10% on top—every single pay period. It's not just savings—it’s a long-term investment in your future, with added disability and survivor benefits, too.

CalPERS is your guaranteed retirement benefit if you’re classified staff member. You contribute 7%–8% of each paycheck (depending on your plan), and CNCA contribution a solid 26.810% contribution every pay period. It’s a steady, reliable pension that grows with you—and includes disability and survivor protections, too.

Voluntary 403(b) through Schools First Credit Union: This optional retirement savings plan is available to help school employees supplement their pension and build additional financial security for the future. Contributions are made through voluntary salary deferrals and are 100% employee-funded. This plan offers flexibility and control to support your long-term retirement goals.

403(b) Tax Sheltered Account Plan through Principal®: As a PNEDG employee, you may contribute to a 403(b) retirement plan through voluntary pre-tax (Traditional) or post-tax (Roth) salary deferrals. You can select from a variety of investment options, including a fixed guaranteed account, and may defer up to 100% of your salary. PNEDG supports your retirement goals with a 2% non-elective contribution and up to a 4% matching contribution—for a total of up to 6%. Employee contributions are immediately 100% vested, and employer contributions vest after four years of service.