Supplemental Retirement Plans



401k Plan

Memphis-Shelby County Schools, in conjunction with the State of Tennessee, offers a 401k plan through Empower.  This is part of Tennessee’s Retire Ready TN platform, which incorporates our defined pension plan through Tennessee Consolidated Retirement Systems (TCRS) and the 401k deferred compensation plans. 

MSCS employees are eligible to participate in the 401K plan through Empower. Teachers are automatically enrolled for a 2% contribution with an opt-out option if hired on or after July 1, 2014.  All other employees can enroll voluntarily. 

To enroll in the 401k deferred compensation plan, make changes to the deduction amount, or ask questions related to establishing an account, please contact Retire Ready/Empower at 1-800-922-7772 or visit their website at  You may also schedule an appointment with your RetireReadyTN retirement plan advisors for more information.


403(b) Plan

In addition to our state retirement plans through TCRS and Empower, Memphis-Shelby County Schools has several vendors that offer additional 403(b) plan options.  For more information on these plans or enrollment inquiries, you may call the vendors directly.  A list of vendors has been provided below. Find additional FAQs here.

403(b) Vendor

Vendor Address/Phone


278 Franklin Road, Suite 151

Brentwood, TN 37027

(615) 221-2541

American Fidelity Insurance

126 South Flicker Street

Memphis, TN 38104

(901) 458-9252

Ameriprise Financial

6750 Poplar Avenue, Suite 114

Memphis, TN 38138

(901) 312-7806

AXA Equitable

494 Williamsburg Lane

Memphis, TN 38117

(800) 628-6673

College Life Group/Americo

5545 Murray Road, Suite 205

Memphis, TN 38119

(901) 761-4822

Great American Life Insurance

301 East Fourth Street, 11th Floor

Cincinnati, OH 45202

(800) 438-3398

Horace Mann Insurance

1899 Camberley Circle

Memphis, TN 38119

(800) 999-1030

ING ReliaStar—VOYA 

5050 Poplar Avenue, Suite 2400

Memphis, TN 38157

(901) 496-2741

Metlife Resources

7715 Highway 70, Suite 103A

Bartlett, TN 38133

(901) 767-5951

Midland National

3721 Riverdale Road, Suite 102B

Memphis, TN 38115

(901) 552-3042

NEA/Valuebuilders/Security Benefits & The Legend Group/Legend Equities

PO Box 862

Savannah, TN 38372

(800) 635-8258

Plan Members Services

114 Cypress Rd.
 Alamo,  TN  38001

(731) 784-6702

Primerica Financial Services


5118 Park Avenue, Suite 308

Memphis, TN 38117

(901) 332-5000


For questions, please feel free to call (901) 416-5304 or email us at [email protected]

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