Employer-Sponsored Retirement Plans

On Mission with You

Serving more than 50,000 churches and ministries, GuideStone® is a leader in church retirement plans, and we are uniquely qualified to provide your church or organization with a competitive, customized retirement plan.

GuideStone works with you to determine the plan that best fits the needs of your organization. Our full suite of retirement plan options includes 403(b)(9), 403(b)(7) and 401(k) plans — both non-ERISA church plans and ERISA plans — as well as 409A, 457(f) and 457(b) nonqualified deferred compensation (NQDC) plans.

In addition to our retirement plan options, your employees will also be able to take advantage of our expertise in ministers’ tax issues. In fact, our plans allow for qualified retired ministers to designate some or all of their retirement income as minister’s housing allowance, providing a significant tax advantage over traditional retirement plans.

403(b) Church Plans

Engage in a plan designed for faith-based organizations.

There are many advantages to a non-ERISA church retirement plan, including decreased cost, administrative ease and reduced regulatory risk. If you haven’t considered its benefits, here are a few additional advantages:

  • Elimination of nondiscrimination testing for churches and qualified church-controlled organizations (QCCOs)
  • Elimination of testing on deferrals — replaced by universal availability requirements — for non-qualified church-controlled organizations (NQCCOs)
  • Elimination of top-heavy testing (examining if the plan disproportionately favors certain officers/owners)

Additionally, many non-ERISA retirement plans enjoy expanded contribution options:

  • Five-year, post-termination employer contributions for selected employees
  • Additional employer contribution options for employees with little or no taxable income

Nonqualified Deferred Compensation Plans

Equip your organization with resources that help recruit, reward and retain top talent.

GuideStone also offers a variety of nonqualified deferred compensation (NQDC) plan options. With an NQDC plan, your organization has the flexibility to determine which employees may receive an employer contribution and/or contribute on a tax-deferred basis. These plans are particularly useful for individuals who are already maximizing their 403(b) deferrals.

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401(k) Church Plans

GuideStone also offers 401(k) church plans for organizations established as for-profit. While similar to other 401(k) plans, a church plan is not subject to certain ERISA requirements, such as annual Form 5500 reporting. In addition, a 401(k) church retirement plan offers retired ministers the ability to have retirement distributions designated as housing allowance.

Ready to get started?
Contact us with any questions about the retirement plans available to you.

What People Are Saying About GuideStone

Dr. Adam C. Wright, Dallas Baptist University, Dallas, Texas
In the midst of an ever-changing and volatile financial landscape, Dallas Baptist University is thrilled to partner exclusively with an established institution like GuideStone that has a deep commitment to our faith, as well as a record of adaptability and a reliance on excellent customer service.”
Dr. Adam C. Wright, Dallas Baptist University, Dallas, Texas

Dr. Adam C. Wright, President
Dallas Baptist University, Dallas, Texas

Christina Kempe, Evangelical Covenant Church, Chicago, Illinois
GuideStone offers excellent service to the Evangelical Covenant Church at all levels… We are grateful to have a partner who works alongside us to support our church and pastors through quality retirement funding.”
Christina Kempe, Evangelical Covenant Church, Chicago, Illinois

Christina Kempe, Director of Benefits
Evangelical Covenant Church, Chicago, Illinois

Barbara Cottrell, Lead Benefits Specialist, International Mission Board
GuideStone has such a talented, gifted group of people serving our participants, and I am so privileged to work alongside them. They have a vast knowledge of our 403(b) retirement plan and are both resourceful and compassionate about encouraging participants to take part in their financial future.”
Barbara Cottrell, Lead Benefits Specialist, International Mission Board

Barbara Cottrell, Lead Benefits Specialist
International Mission Board

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Interested in learning more about how GuideStone can help you?

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