Church Pension Group | Which Plan Do I Have?

Which Plan Do I Have?

The Church Pension Fund offers pension plans for lay employees. The plan available to you is determined by your employer.

Defined Contribution Plan

The Defined Contribution Plan is 401(a) and 403(b) plan administered by Fidelity Investments.


  • You and your employer may contribute.
  • Your employer typically contributes an amount equal to at least 5% of your annual compensation.1
  • Your employer may match your contributions up to a pre-determined maximum – typically 4% of your compensation.1
  • You are not required to contribute – however, you lose out on the employer match if you do not contribute.
  • Your contribution reduces your current taxable income.

Your Retirement Benefit

  • Your benefit is based on the value of your vested account balance in retirement.

1Contact your administrator for the exact contribution level.

Learn more

Defined Benefit Plan

The Defined Benefit Plan is a 401(a) plan administered by The Church Pension Fund.


  • Your employer contributes, but you may not.
  • Your employer is required to contribute an amount equal to 9% of your annual compensation.

Your Retirement Benefit

  • Your benefit in retirement is based on how long you work and how much you earn.
  • Your benefit is not tied to how the market is performing.

Retirement Savings Plan (RSVP)

  • RSVP is a 403(b) plan administered by Fidelity Investments.
  • Ask your employer if they offer RSVP. The RSVP is available to participants in the Lay Employees' Defined Benefit Plan.

Learn more

Need More Information?

If you are unsure which plan you have or need more information, please contact your parish administrator or The Church Pension Fund Engagement Representative at (866) 802-6333 Monday - Friday, 8:30AM – 8:00PM ET (excluding holidays).


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