403(b) Retirement Savings Plan

To help you add to your personal retirement savings we offer all eligible employees the option to participate in a 403(b) retirement savings plan, also called a tax-deferred annuity program. Our 403(b) plan is administered by Transamerica.

How the Plan Works

This plan operates similarly to a 401(k) plan—you elect to have a percentage of your annual salary deposited into an account each pay period. You are not taxed on the money until it is withdrawn, presumably at retirement when you will be in a lower tax bracket.

New employees are automatically enrolled in the program with an initial 2% pre-tax contribution level. Participation is optional. You may also elect to contribute a different percentage of your salary on a pre-tax or after-tax (Roth) basis. There is an annual limit on contributions as determined by the IRS.

For more detailed information, download the summary plan description.

Roth 403(b) Post-tax Contributions

Contributing money on a “Roth” basis is available to all Health System, JHH and Bayview employees. Roth contributions are made on a post-tax basis, which means your taxable income is not reduced.

You may choose to designate all or a portion of your per-pay contribution as Roth, but these monies are not eligible for loans or hardship distributions. An advantage is that your contributions and earnings may be eligible to be tax-free at retirement. Roth contributions are combined with pre-tax contributions and are subject to the same IRS maximum limits.

Access Your Account

There are three convenient ways to access and make changes to your Johns Hopkins 403(b) account:


Visit Transamerica’s website at jhm.trsretire.com.  You will need your Social Security Number and PIN. If you need a new PIN, please contact Customer Service at 800-755-5801.

  • View account balance by investment option
  • Change the amount or investment election for your contributions to the plan
  • Change investment elections on your current balance
  • Change your beneficiary
  • Review investment performance and fund details
  • View your personal rate of return
  • Much more!


Call Transamerica’s Customer Service at 800-755-5801. You will need your Social Security Number and PIN. Automated account information is available 24/7. Customer service representatives are available Monday – Friday, 8 a.m. to 9 p.m.  Leave a detailed voicemail message and be guaranteed a return call the next business day.

  • Hear account balance by investment option
  • Change the amount or investment election for your contributions to the plan
  • Change investment elections on your current balance
  • Review investment performance

In-person Consultations

For personalized face-to-face service, Transamerica Retirement Consultants hold regular office hours on the main campus and the Bayview Medical Center campus. See below.

Contact Transamerica & Consultations

General Customer Service

Transamerica's Customer Service Department
800-755-5801 (Monday – Friday: 8 a.m. – 9 p.m.)
Website: jhm.trsretire.com
Email: [email protected]

On-campus Assistance and Consultations

Representatives from Transamerica have regular office hours on the East Baltimore and Bayview campuses, and they are available by appointment for in-person consultations. Family members are welcome to attend if needed.

Off-site Visits

To further accommodate employees, we have scheduled off-site visits to the following locations.  Please contact the Transamerica Retirement Consultant at 443-801-9022 to confirm dates, times and conference rooms at these locations:

Community Physicians Locations

Glen Burnie
Every other Wednesday

Home Care Group
Every 2nd Monday and 1st Tuesday of the month
Clinical Managers Conference Room


Lancaster Street

Mount Washington

Thames Street

Wyman Park

Additional Information

For more detailed information about the 403(b) plan, including eligibility, contribution limits, vesting, employer matching and payments, download your Summary Plan Description.