Civic Intelligence

OHIO NORTHERN UNVERSITY

Plan context: Tiaa Cref Retirement Plan for Ohio Northern University

EIN 34-4429091 • Ada, OH • 124 filings • 25 plans

525 S Main StreetAda, OH 45810
Current Snapshot

Latest Year

2024

2024 Participants

485

2024 Assets

$252,839,998

2024 Contributions

$5,607,005

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$255,762,342$127,881,171$0199920122024YearValue
$252,839,998Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1,1855930199920122024YearValue
485Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
20242485$252,839,998$5,607,005$11,561iApproximate average salary by contribution assumption: employee only about $289,021 at 4% or $192,681 at 6%; with 50% employer match about $192,681 at 4% or $128,454 at 6%; with 100% employer match about $144,510 at 4% or $96,340 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-485$252,839,998$5,607,005$11,561iApproximate average salary by contribution assumption: employee only about $289,021 at 4% or $192,681 at 6%; with 50% employer match about $192,681 at 4% or $128,454 at 6%; with 100% employer match about $144,510 at 4% or $96,340 at 6%.
Ohio Northern University Employee Benefit Plan-458---
20233507$238,062,657$1,846,003$3,641iApproximate average salary by contribution assumption: employee only about $91,026 at 4% or $60,684 at 6%; with 50% employer match about $60,684 at 4% or $40,456 at 6%; with 100% employer match about $45,513 at 4% or $30,342 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-507$238,062,657$1,846,003$3,641iApproximate average salary by contribution assumption: employee only about $91,026 at 4% or $60,684 at 6%; with 50% employer match about $60,684 at 4% or $40,456 at 6%; with 100% employer match about $45,513 at 4% or $30,342 at 6%.
Ohio Northern University Employee Benefit Plan-482---
Health Reimbursement Arrangement-0---
20223508$230,135,445$5,644,062$11,110iApproximate average salary by contribution assumption: employee only about $277,759 at 4% or $185,173 at 6%; with 50% employer match about $185,173 at 4% or $123,448 at 6%; with 100% employer match about $138,879 at 4% or $92,586 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-508$230,135,445$5,644,062$11,110iApproximate average salary by contribution assumption: employee only about $277,759 at 4% or $185,173 at 6%; with 50% employer match about $185,173 at 4% or $123,448 at 6%; with 100% employer match about $138,879 at 4% or $92,586 at 6%.
Ohio Northern University Employee Benefit Plan-470---
Health Reimbursement Arrangement-229---
20213544$224,095,964$5,440,351$10,001iApproximate average salary by contribution assumption: employee only about $250,016 at 4% or $166,677 at 6%; with 50% employer match about $166,677 at 4% or $111,118 at 6%; with 100% employer match about $125,008 at 4% or $83,339 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-544$224,095,964$5,440,351$10,001iApproximate average salary by contribution assumption: employee only about $250,016 at 4% or $166,677 at 6%; with 50% employer match about $166,677 at 4% or $111,118 at 6%; with 100% employer match about $125,008 at 4% or $83,339 at 6%.
Ohio Northern University Employee Benefit Plan-368---
Health Reimbursement Arrangement-229---
20203538$255,762,342$4,546,859$8,451iApproximate average salary by contribution assumption: employee only about $211,285 at 4% or $140,857 at 6%; with 50% employer match about $140,857 at 4% or $93,905 at 6%; with 100% employer match about $105,643 at 4% or $70,428 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-538$255,762,342$4,546,859$8,451iApproximate average salary by contribution assumption: employee only about $211,285 at 4% or $140,857 at 6%; with 50% employer match about $140,857 at 4% or $93,905 at 6%; with 100% employer match about $105,643 at 4% or $70,428 at 6%.
Ohio Northern University Employee Benefit Plan-378---
Health Reimbursement Arrangement-229---
20196713$228,237,730$5,066,826$7,106iApproximate average salary by contribution assumption: employee only about $177,659 at 4% or $118,439 at 6%; with 50% employer match about $118,439 at 4% or $78,959 at 6%; with 100% employer match about $88,829 at 4% or $59,220 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-713$228,237,730$5,066,826$7,106iApproximate average salary by contribution assumption: employee only about $177,659 at 4% or $118,439 at 6%; with 50% employer match about $118,439 at 4% or $78,959 at 6%; with 100% employer match about $88,829 at 4% or $59,220 at 6%.
Health Reimbursement Arrangement-118---
Health Reimbursement Arrangement-----
Group Total Disability Plan for Employees of Ohio Northern Univ.-494---
Ohio Northern University Employee Benefit Plan-387---
Group Life Insurance Benefits Plan for Employees of Onu-489---
20185705$213,502,341$12,393,735$17,580iApproximate average salary by contribution assumption: employee only about $439,494 at 4% or $292,996 at 6%; with 50% employer match about $292,996 at 4% or $195,331 at 6%; with 100% employer match about $219,747 at 4% or $146,498 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-705$213,502,341$7,219,120$10,240iApproximate average salary by contribution assumption: employee only about $255,997 at 4% or $170,665 at 6%; with 50% employer match about $170,665 at 4% or $113,777 at 6%; with 100% employer match about $127,999 at 4% or $85,332 at 6%.
Health Reimbursement Arrangement-----
Group Life Insurance Benefits Plan for Employees of Onu-492---
Group Total Disability Plan for Employees of Ohio Northern Univ.-492---
Ohio Northern University Employee Benefit Plan-425-$5,174,615$12,176iApproximate average salary by contribution assumption: employee only about $304,389 at 4% or $202,926 at 6%; with 50% employer match about $202,926 at 4% or $135,284 at 6%; with 100% employer match about $152,195 at 4% or $101,463 at 6%.
20175701$216,884,226$14,341,910$20,459iApproximate average salary by contribution assumption: employee only about $511,480 at 4% or $340,987 at 6%; with 50% employer match about $340,987 at 4% or $227,325 at 6%; with 100% employer match about $255,740 at 4% or $170,493 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-701$216,421,192$8,985,058$12,817iApproximate average salary by contribution assumption: employee only about $320,437 at 4% or $213,625 at 6%; with 50% employer match about $213,625 at 4% or $142,417 at 6%; with 100% employer match about $160,219 at 4% or $106,812 at 6%.
Ohio Northern University Employee Benefit Plan-433$463,034$5,356,852$12,371iApproximate average salary by contribution assumption: employee only about $309,287 at 4% or $206,191 at 6%; with 50% employer match about $206,191 at 4% or $137,461 at 6%; with 100% employer match about $154,644 at 4% or $103,096 at 6%.
Health Reimbursement Arrangement-----
Group Life Insurance Benefits Plan for Employees of Onu-525---
Group Total Disability Plan for Employees of Ohio Northern Univ.-525---
20165654$202,726,567$16,504,092$25,236iApproximate average salary by contribution assumption: employee only about $630,890 at 4% or $420,594 at 6%; with 50% employer match about $420,594 at 4% or $280,396 at 6%; with 100% employer match about $315,445 at 4% or $210,297 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-654$201,999,500$10,312,684$15,769iApproximate average salary by contribution assumption: employee only about $394,216 at 4% or $262,810 at 6%; with 50% employer match about $262,810 at 4% or $175,207 at 6%; with 100% employer match about $197,108 at 4% or $131,405 at 6%.
Ohio Northern University Employee Benefit Plan-465$727,067$6,191,408$13,315iApproximate average salary by contribution assumption: employee only about $332,871 at 4% or $221,914 at 6%; with 50% employer match about $221,914 at 4% or $147,943 at 6%; with 100% employer match about $166,436 at 4% or $110,957 at 6%.
Health Reimbursement Arrangement-----
Group Life Insurance Benefits Plan for Employees of Onu-494---
Group Total Disability Plan for Employees of Ohio Northern Univ.-431---
20153600$185,892,506$5,914,657$9,858iApproximate average salary by contribution assumption: employee only about $246,444 at 4% or $164,296 at 6%; with 50% employer match about $164,296 at 4% or $109,531 at 6%; with 100% employer match about $123,222 at 4% or $82,148 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-600$185,892,506$5,914,657$9,858iApproximate average salary by contribution assumption: employee only about $246,444 at 4% or $164,296 at 6%; with 50% employer match about $164,296 at 4% or $109,531 at 6%; with 100% employer match about $123,222 at 4% or $82,148 at 6%.
Group Life Insurance Benefits Plan for Employees of Onu-502---
Group Total Disability Plan for Employees of Ohio Northern Univ.-502---
20143575$179,281,912$8,612,997$14,979iApproximate average salary by contribution assumption: employee only about $374,478 at 4% or $249,652 at 6%; with 50% employer match about $249,652 at 4% or $166,435 at 6%; with 100% employer match about $187,239 at 4% or $124,826 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-575$179,281,912$8,612,997$14,979iApproximate average salary by contribution assumption: employee only about $374,478 at 4% or $249,652 at 6%; with 50% employer match about $249,652 at 4% or $166,435 at 6%; with 100% employer match about $187,239 at 4% or $124,826 at 6%.
Group Total Disability Plan for Employees of Ohio Northern Univ.-502---
Group Life Insurance Benefits Plan for Employees of Onu-503---
20134596$188,842,274$8,059,390$13,522iApproximate average salary by contribution assumption: employee only about $338,062 at 4% or $225,374 at 6%; with 50% employer match about $225,374 at 4% or $150,250 at 6%; with 100% employer match about $169,031 at 4% or $112,687 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-596$188,842,274$8,059,390$13,522iApproximate average salary by contribution assumption: employee only about $338,062 at 4% or $225,374 at 6%; with 50% employer match about $225,374 at 4% or $150,250 at 6%; with 100% employer match about $169,031 at 4% or $112,687 at 6%.
Group Total Disability Plan for Employees of Ohio Northern Univ.-508---
Group Life Insurance Benefits Plan for Employees of Onu-499---
Tiaa Cref Retirement Plan for Ohio Northern University-0$0--
20126638$170,254,200$6,593,038$10,334iApproximate average salary by contribution assumption: employee only about $258,348 at 4% or $172,232 at 6%; with 50% employer match about $172,232 at 4% or $114,821 at 6%; with 100% employer match about $129,174 at 4% or $86,116 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-638$146,992,946$4,918,914$7,710iApproximate average salary by contribution assumption: employee only about $192,747 at 4% or $128,498 at 6%; with 50% employer match about $128,498 at 4% or $85,666 at 6%; with 100% employer match about $96,374 at 4% or $64,249 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-298$23,261,254$1,674,124$5,618iApproximate average salary by contribution assumption: employee only about $140,447 at 4% or $93,631 at 6%; with 50% employer match about $93,631 at 4% or $62,421 at 6%; with 100% employer match about $70,223 at 4% or $46,816 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-----
Tiaa Cref Retirement Plan for Ohio Northern University-----
Group Life Insurance Benefits Plan for Employees of Onu-544---
Group Total Disability Plan for Employees of Ohio Northern Univ.-544---
20116897$156,609,761$10,795,987$12,036iApproximate average salary by contribution assumption: employee only about $300,891 at 4% or $200,594 at 6%; with 50% employer match about $200,594 at 4% or $133,730 at 6%; with 100% employer match about $150,446 at 4% or $100,297 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-897$134,746,684$4,765,934$5,313iApproximate average salary by contribution assumption: employee only about $132,830 at 4% or $88,553 at 6%; with 50% employer match about $88,553 at 4% or $59,035 at 6%; with 100% employer match about $66,415 at 4% or $44,277 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-371$21,104,660$1,720,366$4,637iApproximate average salary by contribution assumption: employee only about $115,928 at 4% or $77,285 at 6%; with 50% employer match about $77,285 at 4% or $51,523 at 6%; with 100% employer match about $57,964 at 4% or $38,643 at 6%.
Ohio Northern University Employee Benefit Plan-449$758,417$4,309,687$9,598iApproximate average salary by contribution assumption: employee only about $239,960 at 4% or $159,974 at 6%; with 50% employer match about $159,974 at 4% or $106,649 at 6%; with 100% employer match about $119,980 at 4% or $79,987 at 6%.
Health Reimbursement Arrangement-133---
Group Life Insurance Benefits Plan for Employees of Onu-536---
Group Total Disability Plan for Employees of Ohio Northern Univ.-536---
201071,185$147,895,398$12,574,595$10,611iApproximate average salary by contribution assumption: employee only about $265,287 at 4% or $176,858 at 6%; with 50% employer match about $176,858 at 4% or $117,905 at 6%; with 100% employer match about $132,643 at 4% or $88,429 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-1,185$127,981,039$5,369,627$4,531iApproximate average salary by contribution assumption: employee only about $113,283 at 4% or $75,522 at 6%; with 50% employer match about $75,522 at 4% or $50,348 at 6%; with 100% employer match about $56,642 at 4% or $37,761 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-525$19,174,526$2,498,374$4,759iApproximate average salary by contribution assumption: employee only about $118,970 at 4% or $79,313 at 6%; with 50% employer match about $79,313 at 4% or $52,876 at 6%; with 100% employer match about $59,485 at 4% or $39,657 at 6%.
Ohio Northern University Employee Benefit Plan-428$739,833$4,706,594$10,997iApproximate average salary by contribution assumption: employee only about $274,918 at 4% or $183,279 at 6%; with 50% employer match about $183,279 at 4% or $122,186 at 6%; with 100% employer match about $137,459 at 4% or $91,639 at 6%.
Health Reimbursement Arrangement-138---
Tiaa Cref Retirement Plan for Ohio Northern University-----
Group Total Disability Plan for Employees of Ohio Northern Univ.-524---
Group Life Insurance Benefits Plan for Employees of Onu-524---
200961,086$135,755,358$10,975,729$10,107iApproximate average salary by contribution assumption: employee only about $252,664 at 4% or $168,443 at 6%; with 50% employer match about $168,443 at 4% or $112,295 at 6%; with 100% employer match about $126,332 at 4% or $84,221 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-1,086$119,064,656$5,358,318$4,934iApproximate average salary by contribution assumption: employee only about $123,350 at 4% or $82,233 at 6%; with 50% employer match about $82,233 at 4% or $54,822 at 6%; with 100% employer match about $61,675 at 4% or $41,117 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-517$16,065,923$1,135,104$2,196iApproximate average salary by contribution assumption: employee only about $54,889 at 4% or $36,593 at 6%; with 50% employer match about $36,593 at 4% or $24,395 at 6%; with 100% employer match about $27,444 at 4% or $18,296 at 6%.
Ohio Northern University Employee Benefit Plan-417$624,779$4,482,307$10,749iApproximate average salary by contribution assumption: employee only about $268,723 at 4% or $179,149 at 6%; with 50% employer match about $179,149 at 4% or $119,433 at 6%; with 100% employer match about $134,362 at 4% or $89,574 at 6%.
Health Reimbursement Arrangement-134---
Group Life Insurance Benefits Plan for Employees of Onu-495---
Group Total Disability Plan for Employees of Ohio Northern Univ.-495---
20082423$215,732$3,736,875$8,834iApproximate average salary by contribution assumption: employee only about $220,855 at 4% or $147,237 at 6%; with 50% employer match about $147,237 at 4% or $98,158 at 6%; with 100% employer match about $110,428 at 4% or $73,618 at 6%.
Ohio Northern University Employee Benefit Plan-423$215,732$3,736,875$8,834iApproximate average salary by contribution assumption: employee only about $220,855 at 4% or $147,237 at 6%; with 50% employer match about $147,237 at 4% or $98,158 at 6%; with 100% employer match about $110,428 at 4% or $73,618 at 6%.
Health Reimbursement Arrangement-139---
20073494$757,264$3,750,059$7,591iApproximate average salary by contribution assumption: employee only about $189,780 at 4% or $126,520 at 6%; with 50% employer match about $126,520 at 4% or $84,347 at 6%; with 100% employer match about $94,890 at 4% or $63,260 at 6%.
Ohio Northern University Employee Benefit Plan-398$757,264$3,750,059$9,422iApproximate average salary by contribution assumption: employee only about $235,556 at 4% or $157,038 at 6%; with 50% employer match about $157,038 at 4% or $104,692 at 6%; with 100% employer match about $117,778 at 4% or $78,519 at 6%.
Group Life Insurance Benefits Plan for Employees of Onu-494---
Health Reimbursement Arrangement-129---
20066494$477,311$4,448,932$9,006iApproximate average salary by contribution assumption: employee only about $225,148 at 4% or $150,099 at 6%; with 50% employer match about $150,099 at 4% or $100,066 at 6%; with 100% employer match about $112,574 at 4% or $75,049 at 6%.
Ohio Northern University Employee Benefit Plan-381$477,311$4,448,932$11,677iApproximate average salary by contribution assumption: employee only about $291,925 at 4% or $194,616 at 6%; with 50% employer match about $194,616 at 4% or $129,744 at 6%; with 100% employer match about $145,962 at 4% or $97,308 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Ohio Northern University-494---
Group Total Disability Plan for Employees of Ohio Northern Univ.-494---
Group Life Insurance Benefits Plan for Employees of Onu-484---
OHIO NORTHERN UNIVERSITY INSURANCE PAY PLAN-494---
20056535$581,636$4,177,779$7,809iApproximate average salary by contribution assumption: employee only about $195,223 at 4% or $130,149 at 6%; with 50% employer match about $130,149 at 4% or $86,766 at 6%; with 100% employer match about $97,612 at 4% or $65,074 at 6%.
Ohio Northern University Employee Benefit Plan-444$581,636$4,177,779$9,409iApproximate average salary by contribution assumption: employee only about $235,235 at 4% or $156,824 at 6%; with 50% employer match about $156,824 at 4% or $104,549 at 6%; with 100% employer match about $117,618 at 4% or $78,412 at 6%.
Group Total Disability Plan for Employees of Ohio Northern Univ.-484---
Ohio Northern University-488---
Tiaa Cref Retirement Plan for Ohio Northern University-0---
OHIO NORTHERN UNIVERSITY INSURANCE PAY PLAN-535---
Group Life Insurance Benefits Plan for Employees of Onu-521---
20047533$242,684$3,869,439$7,260iApproximate average salary by contribution assumption: employee only about $181,493 at 4% or $120,996 at 6%; with 50% employer match about $120,996 at 4% or $80,664 at 6%; with 100% employer match about $90,747 at 4% or $60,498 at 6%.
Ohio Northern University Employee Benefit Plan-475$242,684$3,869,439$8,146iApproximate average salary by contribution assumption: employee only about $203,655 at 4% or $135,770 at 6%; with 50% employer match about $135,770 at 4% or $90,513 at 6%; with 100% employer match about $101,827 at 4% or $67,885 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Ohio Northern University-521---
Group Total Disability Plan for Employees of Ohio Northern Univ.-533---
OHIO NORTHERN UNIVERSITY INSURANCE PAY PLAN-531---
Group Life Insurance Benefits Plan for Employees of Onu-530---
Health Reimbursement Arrangement-181---
20036524$379,873$2,985,499$5,698iApproximate average salary by contribution assumption: employee only about $142,438 at 4% or $94,959 at 6%; with 50% employer match about $94,959 at 4% or $63,306 at 6%; with 100% employer match about $71,219 at 4% or $47,479 at 6%.
Ohio Northern University Employee Benefit Plan-472$379,873$2,985,499$6,325iApproximate average salary by contribution assumption: employee only about $158,130 at 4% or $105,420 at 6%; with 50% employer match about $105,420 at 4% or $70,280 at 6%; with 100% employer match about $79,065 at 4% or $52,710 at 6%.
Ohio Northern University-289---
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Group Total Disability Plan for Employees of Ohio Northern Univ.-524---
OHIO NORTHERN UNIVERSITY INSURANCE PAY PLAN-516---
Group Life Insurance Benefits Plan for Employees of Onu-267---
20026501$513,642$3,107,513$6,203iApproximate average salary by contribution assumption: employee only about $155,066 at 4% or $103,377 at 6%; with 50% employer match about $103,377 at 4% or $68,918 at 6%; with 100% employer match about $77,533 at 4% or $51,689 at 6%.
Ohio Northern University Employee Benefit Plan-471$513,642$3,107,513$6,598iApproximate average salary by contribution assumption: employee only about $164,942 at 4% or $109,962 at 6%; with 50% employer match about $109,962 at 4% or $73,308 at 6%; with 100% employer match about $82,471 at 4% or $54,981 at 6%.
OHIO NORTHERN UNIVERSITY INSURANCE PAY PLAN-497---
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Ohio Northern University-287---
Group Total Disability Plan for Employees of Ohio Northern Univ.-501---
Group Life Insurance Benefits Plan for Employees of Onu-276---
20017500$232,598$2,601,812$5,204iApproximate average salary by contribution assumption: employee only about $130,091 at 4% or $86,727 at 6%; with 50% employer match about $86,727 at 4% or $57,818 at 6%; with 100% employer match about $65,045 at 4% or $43,364 at 6%.
Ohio Northern University Employee Benefit Plan-424$232,598$2,601,812$6,136iApproximate average salary by contribution assumption: employee only about $153,409 at 4% or $102,272 at 6%; with 50% employer match about $102,272 at 4% or $68,182 at 6%; with 100% employer match about $76,704 at 4% or $51,136 at 6%.
EMPLOYEE REIMBURSEMENT PLAN-0---
Group Life Insurance Benefits Plan for Employees of Onu-281---
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Group Total Disability Plan for Employees of Ohio Northern Univ.-500---
Ohio Northern University-275---
OHIO NORTHERN UNIVERSITY INSURANCE PAY PLAN-487---
20005488$496,482$1,713,955$3,512iApproximate average salary by contribution assumption: employee only about $87,805 at 4% or $58,537 at 6%; with 50% employer match about $58,537 at 4% or $39,024 at 6%; with 100% employer match about $43,903 at 4% or $29,268 at 6%.
Ohio Northern University Employee Benefit Plan-418$496,482$1,713,955$4,100iApproximate average salary by contribution assumption: employee only about $102,509 at 4% or $68,340 at 6%; with 50% employer match about $68,340 at 4% or $45,560 at 6%; with 100% employer match about $51,255 at 4% or $34,170 at 6%.
Ohio Northern University-290---
Group Total Disability Plan for Employees of Ohio Northern Univ.-488---
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Group Life Insurance Benefits Plan for Employees of Onu-298---
19996489$682,196$1,168,216$2,389iApproximate average salary by contribution assumption: employee only about $59,725 at 4% or $39,816 at 6%; with 50% employer match about $39,816 at 4% or $26,544 at 6%; with 100% employer match about $29,862 at 4% or $19,908 at 6%.
Tiaa Cref Retirement Plan for Ohio Northern University-0---
Tiaa Cref Retirement Plan for Ohio Northern University-0---