Special Protections for Your Retirement-Plan Money

The assets in your ICMA-RC retirement accounts are protected in several ways. ICMA-RC serves as the plan administrator and record keeper for retirement plans, but has no direct access to the assets. So the assets in your employer's retirement plan, an IRA, or a taxable account with ICMA-RC are held separately and not commingled with our corporate assets, and therefore are not subject to any claims of ICMA-RC creditors.

Additionally, registered mutual funds that a participant may invest in have their own management and oversight, as described in the applicable prospectus.

If you invest in CDs inside your ICMA-RC account, up to $250,000 is insured by the Federal Deposit Insurance Corp. That quarter of a million dollars' worth of protection applies to each financial institution. Visit the FDIC Web site for more information about FDIC coverage and your insured deposits.