Finding the right 403(b) or 457 provider is often frustrating for teachers and staff, who typically have to sort through several competing vendors, each pushing their own products. CSD Retirement Trust replaces that with a single provider and a genuinely open lineup of investment options — not a sales pitch for one company's products. With both traditional and Roth 403(b) and 457(b) plans available, you can make smart, long-term investment decisions with help from real financial experts along the way.
CSD Retirement Trust is a non-profit, multiple-employer retirement consortium serving 70+ organizations across Kansas, Missouri, Wisconsin, and North Dakota. Founded in 2010 to replace a fragmented, high-cost, multi-vendor annuity marketplace with a single low-cost partnership, CSD has spent the last 16 years growing that partnership — deepening participant engagement and expanding well beyond retirement savings into holistic financial wellness.
CSD Retirement Trust delivers a comprehensive compliance solution for participating organizations, encompassing IRS regulatory compliance, ongoing plan document maintenance, contribution limit monitoring, and loan and hardship oversight. This reduces the administrative burden on your organization while minimizing both cost and liability exposure.
CBIZ serves as the Trust's Registered Investment Advisor, providing independent fiduciary oversight of the plan's entire investment lineup. Each quarter, CBIZ reviews fund performance, risk, and fees to ensure every option remains competitive, diversified, and aligned with participant needs — giving districts a documented, ongoing standard of fiduciary care without having to manage it in-house.
CSD Retirement Trust pools every organization into a single negotiating body, giving even the smallest access to the same institutional-level pricing as the largest. As the consortium has grown, that collective purchasing power has driven the Trust's all-in participant fee down from 1.57% at founding to just 0.19% today — pricing no single district could negotiate on its own. Every new organization that joins strengthens that leverage further, benefiting the entire consortium.


















Offering a strong retirement benefit shouldn't mean taking on more administrative work, fiduciary risk, or cost. CSD Retirement Trust takes on the compliance burden, investment oversight, and day-to-day plan administration on your organization's behalf — so your team can offer a competitive, well-governed retirement plan without adding to their workload or exposure. The result: a stronger benefits package that helps you attract and retain teachers and staff, backed by the pricing and oversight that come from being part of a 70+ member consortium.
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Managing Director: richard@csdretirementtrust.com
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