RCA 403(b) Retirement Program

The RCA 403(b) Retirement Program is a special kind of retirement program that meets the requirements of section 403(b) of the IRS Code.

All employer contributions and employee salary deferrals made since January 1, 2005 have been credited to the RCA 403(b) Retirement Program. Up until December 31, 2004 this plan only accepted salary deferrals. Because of the new law that Congress passed in October 2004 that affected the RCA Retirement Plan, and in order to provide enhanced benefit security, the RCA Board of Benefits Services decided to create a program so that all future contributions, both employer and employee, would be unified.

A salary deferral is intended to supplement a retirement savings program giving you these advantages:

  • Your contributions are automatically deducted from your paycheck and the money is contributed to your 403(b) account before you have a chance to spend it.
  • Pretax contributions to the plan may lower your current federal and, in most cases, your current state income taxes, so you may be able to keep more of your income each year.

 The Internal Revenue Service recently announced the 2019 cost-of-living and required statutory limit adjustments applicable to retirement plans. The following limits become effective on January 1, 2019.

Annual Limit per Individual



Elective deferral limit under Code § 402(g)



Age 50 catch-up contribution limit under Code § 414(v)



Contributions to a defined contribution plan
the lesser of 100% of compensation or:




To learn more about the RCA 403(b), follow these links:

Retirement Program Forms

What forms do I need to submit in order to receive a distribution? Whether you are an ordained minister or lay staff, the provisions are outlined below:

Retirement Forms for Ministers of Word and Sacrament [403(b) Plan]

Forms needed to submit in order to receive a distribution from a minister of Word and sacrament's RCA 403(b) Retirement Program.

Retirement Forms for Lay Participants [403(b) Plan]

Forms needed to submit in order to receive a distribution from a lay participant's RCA 403(b) Retirement Program.