Miami-Dade County Public Schools 403(b) Approved Vendors (2026 Guide)
Who runs the M-DCPS plan, the six companies you can actually use, and how educators in the nation's third-largest district enroll or switch vendors.
Who Administers the M-DCPS 403(b)?
Miami-Dade County Public Schools uses TSA Consulting Group, Inc. (part of U.S. OMNI and TSACG Compliance Services) as the third-party administrator for its 403(b) plan. The TPA maintains the authorized provider list, processes payroll deduction requests, and handles IRS compliance for the plan. The district's own benefits office also fields questions at SupplementalRetirementPlans@dadeschools.net or (305) 995-7148.
Enrolling takes two separate steps. First, open an account directly with one of the authorized vendors below. Second, file a Salary Reduction Agreement (SRA) through the TPA's online system at sra.tsacg.com. The SRA tells district payroll how much to deduct each pay period. Without it, nothing is contributed, even if your account is open.
The same SRA system handles stopping or changing contributions and redirecting future contributions to a different authorized vendor. Redirecting future money does not move your existing balance; that requires a separate vendor-to-vendor exchange or rollover.
The M-DCPS Authorized Provider List
Six providers are authorized for the M-DCPS 403(b), and all six are also approved for Roth 403(b) accounts. The products behind these names range from low-cost mutual fund platforms to annuity contracts with very different fee structures, so the vendor choice matters as much as the decision to enroll.
| Authorized Provider | 403(b) | Roth 403(b) |
|---|---|---|
| American Century Services, LLC | Yes | Yes |
| Aspire Financial Services | Yes | Yes |
| Corebridge Financial (formerly AIG Retirement Services, VALIC) | Yes | Yes |
| Equitable | Yes | Yes |
| National Life Group (via IPX) | Yes | Yes |
| Voya Financial | Yes | Yes |
Source: TSA Consulting Group, Miami-Dade County Public Schools plan page. Verified July 2026. Vendor lists change; confirm with the TPA before opening an account.
National Life Group is approved at M-DCPS
National Life Group is on the Miami-Dade authorized list, offered through the IPX platform, for both traditional and Roth 403(b) accounts. That means M-DCPS educators can set up a 403(b) with Life Gateway directly, funded by normal payroll deduction. We will handle the account setup and the SRA filing with you step by step.
Book a Free 403(b) Fee ReviewHow to Compare the Six Vendors
An authorized list tells you which companies the district allows. It does not tell you which product fits you, and it is not an endorsement of any product. Many 403(b) products sold in K-12 plans are annuities, and some carry surrender charges of 5 to 10 percent if you move your money in the early years. A difference of just 1 percent in annual fees can reduce a final balance by 25 percent or more over a 30-year career.
- Ask for the full fee schedule in writing: expense ratios, mortality and expense charges, account maintenance fees, and any per-transfer costs.
- Check the surrender period before you sign: know exactly how many years your money is locked in and what leaving early would cost.
- Match the product to your pension and timeline: guaranteed-income features are priced differently at every vendor, and the right fit depends on your FRS pension, your retirement date, and how much risk your other savings already carry.
For a deeper walkthrough of the fee traps common in educator plans, read our guide on avoiding high 403(b) fees.
Plan Your Full Retirement Picture
Changing districts, moving states, or weighing a Roth move? Read changing districts or states and the 403(b) to Roth IRA conversion guide.
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Who administers the Miami-Dade County Public Schools 403(b) plan?
TSA Consulting Group, Inc. (part of U.S. OMNI and TSACG Compliance Services) is the third-party administrator for the M-DCPS 403(b) plan. Employees start, stop, or change contributions through the online Salary Reduction Agreement system at sra.tsacg.com. The district's own contact for supplemental retirement plans is SupplementalRetirementPlans@dadeschools.net.
Which 403(b) vendors are approved at Miami-Dade County Public Schools?
As of July 2026, the TSA Consulting Group plan page for Miami-Dade County Public Schools lists six authorized providers: American Century Services, LLC; Aspire Financial Services; Corebridge Financial (formerly AIG Retirement Services, VALIC); Equitable; National Life Group (via the IPX platform); and Voya Financial. The same six are approved for Roth 403(b) accounts. Always confirm the current list with the TPA before opening an account.
Is National Life Group an approved vendor at Miami-Dade County Public Schools?
Yes. National Life Group appears on the TSA Consulting Group authorized provider list for M-DCPS, offered through the IPX platform, for both traditional and Roth 403(b) accounts. Miami-Dade educators can open and fund a National Life Group 403(b) through normal payroll deduction with a salary reduction agreement.
How do I start or change my 403(b) contributions at M-DCPS?
First open an account directly with one of the district's authorized vendors. Then submit a Salary Reduction Agreement online at sra.tsacg.com to start, stop, or change the payroll deduction amount. Contributions do not begin until both steps are complete.
Life Gateway is an insurance-licensed financial services firm. This guide is educational, compiled from publicly available district and plan administrator documents as of July 2026, and is not endorsed by or affiliated with Miami-Dade County Public Schools. Vendor lists and plan rules change; always confirm current details with the district or its plan administrator.
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