Updated 2026-03-30

TIAA vs Nationwide 401(k) Comparison

Compare TIAA (#9, 7.9/10) and Nationwide (#13, 7.3/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureTIAANationwide
Overall Score7.9/107.3/10
Rank#9#13
AUM$1.3 trillion$250 billion
Participants5 million3.5 million
Plan Sponsors15,000+30,000+
Founded19181926

Ratings Comparison

CategoryTIAANationwide
Fees & Costs4.0/53.4/5
Investment Options4.0/53.5/5
Customer Service4.3/54.0/5
Mobile App3.9/53.4/5

Fee Comparison

Fee TypeTIAANationwide
Admin FeesVaries by institution$800 - $3,500/year
Expense Ratios0.05% - 1.0%0.30% - 1.3%
Trading Fees$0 for TIAA fundsPlan dependent
Advisory Fees0.30% - 1.0%0.45% - 0.95%

TIAA Strengths

Nationwide Strengths

Rollover, Loans & Withdrawals

FeatureTIAANationwide
Rollover PlatformTIAA.orgNationwide.com
Loans AvailableYesYes
Withdrawal MethodsOnline via TIAA.org, Phone (800-842-2252), TIAA officesOnline via Nationwide.com, Phone (877-677-3678)
Distribution OptionsLump sum, Partial withdrawal, Lifetime income annuity, Systematic withdrawals, Rollover to IRALump sum, Partial withdrawal, Installment payments, Guaranteed lifetime income, Rollover to IRA

Which Should You Choose?

Choose TIAA if you want:

  • Educators
  • Nonprofits
  • Healthcare workers
  • Income-focused retirees

Choose Nationwide if you want:

  • Public sector employees
  • Teachers and nonprofits
  • Guaranteed income seekers

Our Verdict: TIAA vs Nationwide

TIAA wins this comparison with a score of 7.9/10 vs 7.3/10. TIAA excels with dominant in education sector, making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.

Full TIAA Review Full Nationwide Review

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TIAA vs Nationwide: Complete 401(k) Comparison for 2026

Choosing between TIAA and Nationwide for your 401(k) is an important decision that affects your retirement savings. TIAA offers education focus while Nationwide is known for public sector. In terms of fees, TIAA charges 0.05% - 1.0% expense ratios compared to Nationwide's 0.30% - 1.3%. TIAA manages $1.3 trillion in assets and serves 5 million participants, while Nationwide has $250 billion AUM and 3.5 million participants.

Key Differences: TIAA vs Nationwide

When comparing TIAA and Nationwide, consider their core strengths: TIAA excels with dominant in education sector, while Nationwide stands out for strong in 403(b) and 457 plans. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. TIAA's customer service rating is 4.3/5 compared to Nationwide's 4.0/5. For mobile experience, TIAA scores 3.9/5 while Nationwide scores 3.4/5.

Which Provider is Right for You?

Choose TIAA if you prioritize educators. Choose Nationwide if you're looking for public sector employees. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual TIAA and Nationwide provider pages.

Frequently Asked Questions

TIAA scores higher in our 2026 rankings with 7.9/10. TIAA is best for educators, while Nationwide is best for public sector employees. The right choice depends on your employer's plan and your priorities.

TIAA charges expense ratios of 0.05% - 1.0% with admin fees of Varies by institution. Nationwide charges 0.30% - 1.3% expense ratios with admin fees of $800 - $3,500/year. TIAA's fees rating is 4.0/5 compared to Nationwide's 3.4/5.

Yes, you can roll over between TIAA and Nationwide. TIAA uses TIAA.org for rollovers, while Nationwide uses Nationwide.com. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.

TIAA offers 401(k) loans. Nationwide offers 401(k) loans. Both providers typically allow loans up to 50% of your vested balance or $50,000, whichever is less.

TIAA scores 4.0/5 for investment options, while Nationwide scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. TIAA's investment options include TIAA Funds, CREF Variable Annuities, Target Date Funds. Nationwide offers Mutual Funds, Target Date Funds, Fixed Annuities.

For small businesses, consider plan minimums and per-participant costs. TIAA is best for educators, nonprofits, healthcare workers, income-focused retirees. Nationwide is best for public sector employees, teachers and nonprofits, guaranteed income seekers. Compare admin fees: TIAA charges Varies by institution vs Nationwide's $800 - $3,500/year.

Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30