CCC-PPS Policies & Procedures

PPS-SPECIFIC LINKS— Enrollment Procedures
CCC-PPS Home Policies & Procedures
Employee Information Solicitation Rules
Salary Reduction Agreement Employer Information
Authorized Vendor List Vendor Information

ALERT!! Effective 08/08/2008, no changes will be made to CCC’s legacy website, now with Internet address www.ncompliancelegacy.com. Henceforth, www.ncompliance.com goes directly to CCC's new, dynamic, database supported website.

For many months now, CCC has been developing and testing a new, dynamic, database-supported website, which now resides at www.ncompliance.com, while at the same time maintaining this website, which is now our legacy website (www.ncompliancelegacy.com). Development of the new website was essential to allow CCC to provide dedicated sections of its website to more than 50 new clients accumulated since publication of the Final 403(b) Regulations on July 23, 2007. We chose completion of the Plan Document System on the new website as the appropriate time to migrate from the legacy website, even though considerable work remains to be done. Specifically, we will be working with Vendors through the end of calendar year 2008 to incorporate updated Vendor information into the new website. Moreover, 457(b) Deferred Compensation Plan (DCP) information remains only on this legacy website, but those CCC clients for which we are managing their 457(b) Plans may continue to refer to this legacy website until the full migration has been accomplished.

We are very proud of our new website, especially the Plan Document System and the Content Management System (CMS), which allows Client Employers and Vendors to manage the content of their own sections of the website. We hope you share our enthusiasm and will create links form your own websites to your dedicated sections of the CCC website. Doing so will provide everything your employees need to know about their 403(b) Program.

School Board Policies
The ultimate authority for establishing school district policy rests with the School Board. However, often Board policies are general in nature and require additional directives and procedures for implementation. Portland Public Schools maintains Board Policies on its Inside PPS website, which may be reviewed by clicking on the above link.

Administrative Directives
Appropriate District offices and officials adopt detailed directives and procedures designed to implement Board policies. Portland Public Schools maintains both Board Policies and Administrative Directives in the same location on its Inside PPS website, which may be reviewed by clicking on the above link.

403(b) TSA Policies
Specific official policies related to 403(b) Tax Sheltered Annuities may be found at the above link.

Frequently Asked Questions
If you still have questions about your employer's 403(b) plan after browsing other pages of this website, check out the answers to these Frequently Asked Questions (FAQ).

Ask Your Own Questions
Click on this link to pose your own questions to Carruth Compliance Consulting, by electronic mail (email), telephone, fax, or any standard mail carrier.


Solicitation Rules
This link provides the current District rules regarding solicitation of its employees. All agents marketing 403(b) products to District employees should carefully follow these rules.

Vendor Authorization Rules
The District has rules for how a vendor becomes authorized to market 403(b) products to its employees. These rules may be reviewed by clicking on the "Vendor Authorization Rules" link above.

Elective Deferral Limits
The IRS places limits on the amount you are allowed to contribute to 403(b) programs. This link provides general information about these limits. Contact us for a free personal calculation of your maximum allowable contribution (MAC).

Hardship Withdrawal Rules
The IRS has established rules for determining when hardship distributions are allowed from 403(b) accounts. Also, elective deferrals must be suspended for a period of six months following a hardship withdrawal. This link gives additional details.

Loans
Some 403(b) contracts allow loans. The policies listed in this link are specific to all 403(b) loans, and are established by the IRS rather than the District.