Defined Contribution Plans
Our Retirement Solutions offers 403(b) and 401(k) retirement savings plans specifically designed for Catholic Church employers. These plans allow employees to save for retirement with pre-tax money, reducing their current tax burden. Alternatively, the plans allow employees to make Roth after-tax contributions. Roth contributions are made with after-tax dollars but they grow tax-free and can be withdrawn tax- and penalty-free if certain conditions are met.

What sets our plans apart:
Instead of hidden fees buried in investment expenses, we charge clear, direct fees for our administrative services. This approach gives you a better understanding of the true cost of your plan.
Employers have the flexibility to contribute through matching or discretionary contributions, although contributions are not mandatory (except in a safe-harbor plan), and they can customize eligibility and vesting options. (Employee contributions are always fully vested, while employer contributions can be subject to a vesting schedule.)
Employees of member organizations can choose from a variety of investment options, including Catholic Socially Screened Funds, that are focused on social responsibility.
A Turnkey Approach
Our turnkey approach ensures that all administrative services are seamlessly integrated. This comprehensive package includes daily valued record-keeping, online access for both employers and employees, online quarterly benefit statements, communication materials, on-site meetings, compliance with all legal requirements, and access to Fidelity’s investment professionals. Some employers may be subject to non-discrimination testing. Christian Brothers Services can advise on how to avoid testing or can arrange for the required testing for an additional fee.