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<< So you may look into TIAA CREF as a possible sponsor for your plan. Your choices in the 403b are probably restricted. >>

I've been in TIAA CREF for 30 yrs. The average interest on the annuity portion for me will be 7%. But there are some issues that aren't very clear until you retire.
Both TIAA and the employers place restriction on your ability to rollover the annuity into a self-directed IRA. In my case, two institutions contributed to my pension. The first one (only 1/3 of my accumulation) will allow me to rollover the entire amount. The second one will only allow me to rollover the amount I contributed but not the institution's contribution. In both cases, TIAA further limits it by requiring that the rollover occur over 10 years.
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