Text-Video Retrieval (TVR) retrieves videos that match a natural-language query, but extending image-text models such as CLIP to videos is fundamentally limited by the lack of temporal modeling. Videos exhibit frame-wise heterogeneity in appearance and motion, and compressing all frames into a single representation often obscures temporal structure and semantic transitions. To address this, we propose Temporal-Aware Mixture-of-Experts for Text-Video Retrieval (TAME), a CLIP-based framework that jointly models frame-level structure and temporal relations. First, we integrate sparse Mixture-of-Experts (MoE) layers into both CLIP encoders and apply frame-consistent routing on the vision branch so that experts specialize according to frame-level visual patterns while preserving the original vision-language alignment. Second, we introduce Frame-Temporal (FT) tokens that aggregate global cross-frame information and feed it back to each frame, enabling the visual encoder to capture long-range temporal dependencies without harming local details. Third, we design a Cross-Temporal Interaction and Aggregation (CTIA) module that refines frame-wise sentence-video similarities through staged temporal filtering and fusion. Experiments on standard TVR benchmarks show that TAME consistently improves over CLIP-based baselines. On MSR-VTT, it improves R@1 by 4.0 over CLIP4Clip, and also achieves consistent gains on DiDeMo, MSVD, LSMDC, and ActivityNet. The code is available at https://github.com/sejong-rcv/TAME.

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