Joining the Plan

Who May Join the Plan

All eligible employees who are working for an eligible employer are permitted to participate in the Pension Plan, subject to any specific eligibility conditions established by their employer. An eligible employer includes any local church, district, camp, college, agency, or organization affiliated with the Brethren.

Eligibility in the Pension Plan is determined by your employer. To check your eligibility with your employer, refer to your employer’s Adoption Agreement. 


When Can I Enroll?

Your employer determines when you can enroll in the Pension Plan. Refer to your employer’s Adoption Agreement.

How to Enroll

If you are eligible to participate in the Plan, you may enroll by requesting enrollment information from your employer or by contacting us at 866-723-0001.

When you apply you will need to indicate —

• How much you want to contribute to the Plan, and whether you want to make these contributions on a pre-tax or Roth basis.

• How to allocate your contributions among the available investment funds. Please refer to the Investment Offerings brochure for more information on these funds.

Note: If you do not select an investment option for contributions to your account, any contributions made to your account are invested in the age appropriate Target Date Fund, which is the Plan’s default investment option.

• Who will be your beneficiary if you die before you annuitize or withdraw your account. For more information on choosing a beneficiary, please see the section titled Selecting a Beneficiary.

If your employer has elected Automatic Enrollment, you will be automatically enrolled and will receive required notices and provisions to continue in the plan, opt out, change the amount of contributions, or withdraw contributions under the Eligible Automatic Contribution Arrangement. If applicable, refer to your employer’s Plan adoption agreement for details.

Joining the Plan

Receiving your Retirement Benefit




Plan Facts

Other Plan Provisions


Building financial security

Bettering the world


Brethren Benefit Trust provides retirement benefits, health and welfare benefits, asset management, and financial advocacy to pastors, employees, and members of the greater Church of the Brethren community.

Since it began as the Pension Board in 1943, BBT has been called to serve its members and clients, and we are thankful for that opportunity.