The Benefits of Joining the Trust
Lower Costs Mean Bigger Retirement Balances
Every dollar your staff isn't paying in fees is a dollar growing toward their retirement. CSD has driven its all-in participant fee from 1.57% at founding down to just 0.19% today, about one-eighth the cost of the multi-vendor annuity platforms it replaces. That's not an abstract savings; it compounds into a materially larger balances for every teacher and staff member who participates.
Compliance and Liability, Off Your Desk
Your HR team didn't sign up to be plan administrators. CSD takes on the fiduciary governance, IRS compliance, plan documentation, and vendor oversight that a voluntary retirement plan requires, so your district gets a well-governed benefit without adding headcount, risk, or workload to already-stretched staff.
A Stronger Benefit in a Competitive Hiring Market
Recruiting and retaining teachers is harder than ever, and benefits matter. Joining CSD gives your organization a retirement plan, plus free financial wellness tools and student loan forgiveness guidance that rivals what much larger employers offer, at no added cost to the organization.
No Minimum Size, No Negotiation Required
An organization of 50 employees gets the same pricing and oversight as an organization of 5,000. There's no scale requirement, no lengthy RFP, and no vendor negotiation, just the pricing and service that comes from being part of a 70+ district consortium from day one.
Expert Investment Oversight, Backed by CBIZ
Your organization shouldn't have to be an investment expert to offer a well-governed plan. CBIZ, the Trust's Registered Investment Advisor, reviews the entire fund lineup every quarter, monitoring performance, risk, and cost to ensure every option stays competitive and diversified. That's professional-grade investment management built into the plan, with nothing extra for your team to manage.
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.