The Benefits of Joining the Trust
Expanded Non-Retirement Benefits
New Finnita and Best Money Moves partnerships extend free financial wellness support to all 11,000+ participants, addressing needs well beyond the retirement plan itself.
No High-Cost Annuities
CSD replaces expensive, opaque annuity products with a transparent, low-cost mutual fund/defined contribution structure.
Significant Fee Reduction
As a non-profit consortium, CSD has driven its all-in participant fee down from 1.57% at founding to just 0.19% today, a reduction made possible by consortium growth and scale, and roughly one-eighth the cost of the traditional multi-vendor annuity platforms CSD replaces.
Streamlined Fiduciary & Plan Design
CSD eliminated much of the administrative burden on individual district HR departments by unifying plan architecture.
Open-Ended, Scalable Model
Any school district can join at any time, instantly gaining access to top-tier pricing and service regardless of size.
Quantifiable Results with CSD
+42%
1.57% → 0.19%
+42%
Plan assets increased from ~$282M to ~$400M from 2023-2026.
~92%
1.57% → 0.19%
+42%
Significantly lower fees than industry average.
1.57% → 0.19%
1.57% → 0.19%
1.57% → 0.19%
Decrease in CSD fee at founding vs. today.
+75%
1.57% → 0.19%
1.57% → 0.19%
Increase in educational engagement from 2023-2026.
Our Partners
Corebridge Financial serves as the Trust’s recordkeeper and custodian, maintaining participant accounts and safeguarding plan assets. Corebridge also provides onsite advisory services and supports the Trust’s administrative and regulatory compliance responsibilities.
CBIZ serves as the investment advisor for CSD Retirement Trust. The firm reviews the Trust’s investment lineup each quarter to help ensure the available options remain competitive, diversified, and aligned with participant needs.
Best Money Moves is the Trust’s financial wellness provider. Its resources help participants better understand their finances, manage financial stress, build stronger money habits, and make more informed financial decisions.
Finnita provides student loan assistance and forgiveness support for eligible participants. The program helps individuals understand their repayment options, explore potential forgiveness opportunities, and navigate the student loan process.