TIAA 401(k) Provider Review

TIAA charges administrative fees that vary by plan size. Expense ratios range from 0.05% - 1.0%, and advisory fees are 0.30% - 1.0%. Compare plans carefully as total costs depend on your plan size and investment selections.

You can log into your TIAA 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.

TIAA ranks #9 in our 2026 provider rankings with a score of 7.9/10. They manage $1.3 trillion in assets and serve 5 million participants. They are particularly strong for Educators, Nonprofits, Healthcare workers, Income-focused retirees.

Yes, you can roll over your TIAA 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact TIAA or your new provider to initiate the transfer.

TIAA offers a range of investment options including TIAA Funds, CREF Variable Annuities, Target Date Funds, Stable Value, Self-Directed. The specific fund lineup depends on your plan and may change periodically.

TIAA scores 7.9/10 overall with ratings of 4.0/5 for fees, 4.0/5 for investment options, 4.3/5 for customer service, and 3.9/5 for mobile app. Compare with other top providers on our comparison pages.

To roll into TIAA: TIAA accepts rollovers from 401(k), 403(b), 457(b), and IRA accounts through TIAA.org or by calling 800-842-2252. TIAA is especially experienced with rollovers from academic and nonprofit plans. To roll out: Request an outbound rollover through TIAA.org or by phone. Note that TIAA Traditional annuity contracts may have surrender restrictions that limit immediate full withdrawal. Use the TIAA.org platform to manage your rollover.

TIAA offers withdrawals via Online via TIAA.org, Phone (800-842-2252), TIAA offices. Distribution options include Lump sum, Partial withdrawal, Lifetime income annuity, Systematic withdrawals, Rollover to IRA. TIAA is unique in offering lifetime income annuity options that guarantee monthly payments for life. TIAA Traditional withdrawals may be restricted to installments depending on your contract.

TIAA plans may allow loans, though availability varies by employer plan. TIAA Traditional annuity contracts and CREF accounts may have different loan provisions. Contact TIAA for your plan-specific loan terms.