Useful information to help you learn more about our benefits.

  • Financial
  • Health Plan
  • 403(b) Plan
  • Medicare

403(b) Plan Resources


A complete summary of retirement plan benefits offered by the Alliance Health Plan.



The plan offers 28 investment options including two values-based funds and 12 lifecycle index target date funds.



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If you have questions as you read through the materials provided, feel free to contact Alliance Benefits.

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Day-to-day challenges keep most churches and ministries struggling to keep up, let alone thinking ahead to the future. For some, retirement may seem like a long way off. For others, it is just around the corner. Regardless, saving for retirement will be one of the most important things you do for yourself and your family.

When it comes to preparing for retirement, there are many things you can’t control—the future of Social Security, tax rates, and inflation, to name a few. But one thing you can control is the amount you save.

Alliance Benefits is passionate about the Alliance 403(b) Retirement Plan and the unique and great advantages it provides. We are also eager to help our Alliance workers save effectively for retirement. While “retirement” may look different for you than it does for your friend or neighbor, the common thread is that it takes planning and preparation. The Alliance Benefits team is here to help you every step along the way.

An old Chinese proverb says, “The best time to plant a tree was 20 years ago. The second-best time is now.” Perhaps you are one of those who did not start 20 years ago, or not at the level you would like. Financial planners nationwide are now encouraging employees to think in terms of contributing 15% of their income to a retirement plan, including both employer and employee contributions. You can start today—or keep contributing—with whatever amount you can. At the same time, consider increasing your contribution 1% per year until you reach your desired percentage. Or, if you happen to eliminate debt, you may want to consider taking that opportunity to boost your annual saving further.

We want this plan to keep the dollars you contribute in your pocket as much as possible. The most common barrier to that are fees and taxes. Not only do the investments in this plan have very low internal expenses, but the plan also has low fees compared to many you would find if you invested in an individual account on your own. Additionally, under the current tax law, plan assets are eligible for the ministerial housing allowance exclusion for Alliance official workers after retirement.

Below are the IRS maximum 403(b) account contribution limits for 2020 and 2021. Note that while the housing allowance is considered in your overall compensation for calculating your deferral amount, the dollar amount cannot exceed your includible pay. Therefore, a sizeable ministerial housing allowance may limit what you can defer.

403(B) MAXIMUM CONTRIBUTION LIMITS20202021 (no change)
Catch-Up (age 50 or older)$6,500$6,500

Retirement Plan Details

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