Pension Plan for CCCC Members

Picture of lady sitting on couch and smiling

Taking care of your employees.

Many employees of Christian ministries find it challenging to set aside enough savings to sustain them and their families in retirement.

The CCCC Registered Pension Plan (the “Plan”) offers the opportunity to provide your employees with retirement income. All Affiliate and Accredited Member organizations are eligible to enrol their employees in this defined contribution plan.

Why the CCCC pension plan?

There are three main reasons CCCC member organizations choose the CCCC Multi-Employer Pension Plan: Professional Oversight, Reduced Fees, and Enhanced Services.

Professional Oversight

The plan receives professional oversight and administrative support by a board of Trustees, CCCC staff, a professional pension consultant (Proteus Performance Management), and Canada Life’s Group Customer division. This professional oversight reduces your workload, enabling you to focus less on managing a group retirement plan and more on fulfilling your organization’s mission.

Reduced Fees

Because of the “buying power” of a large multi-employer plan, plan members benefit from fees significantly lower than what they would pay with a “retail” plan (e.g. RRSP through a financial institution or insurance company). Over time, reduced fees significantly impact the balance of funds available to plan members when they retire.

Enhanced Services

Being part of a professional group plan means that you and your employees will have access to many enhanced services. A few of these services include:

Personalized enrollment package to assist you with onboarding new employees
24/7 access to the plan by phone and online for plan members to review their account, make investment choices, or update their information
Quarterly newsletter with Plan updates, a market review, and other helpful topics related to preparing for retirement
Retirement planning tools and educational programs

Words from our members

Neil Cudney

President, Emmanuel Bible College

“The ‘future’ comes quicker than we expect, but it need not take us off guard. With future planning support from a Christian perspective, and sound market counsel our employees can make decisions and choices in which they can have confidence. The benefit that comes with working with an organization such as CCCC is that they have done the research and work to ensure that the pension plans are competitive, have integrity and help build a secure financial future.”

Corrie Mulder

Director of Operations at International Needs Canada

A short note to let you know how much we, at International Needs Canada, appreciate and value our partnership with CCCC. We especially love having the opportunity of giving our employees access to the CCCC pension plan. Being part of a larger group of organizations is especially beneficial to our employees. They are able to participate in a plan that provides lower administrative fees, which will benefit them on retirement. The employees can easily access their plan online and make their own decisions regarding the investments that work best for them. We are happy to be able to provide the CCCC pension plan to our employees knowing that we are partnering with a trusted organization.

Todd Lester

Director of Ministry Development & Operations at Be In Christ Church of Canada

Our pastors often comment to me how much they appreciate belonging to a denomination that is committed to help care for their long-term financial planning by providing a robust pension plan. Knowing that this important practical need is being cared for by their denomination allows them, as a pastor, to focus on the work that God has called them to. As a denominational leader, it is a blessing to have a partner in CCCC who can offer this pension plan for our pastors and employees. We very much appreciate the fully developed pension plan that CCCC offers to our members. As a user of the pension plan, the online tools that are provided offer investment transparency as well as the opportunity to redirect investments within the portfolio according to each user’s ‘risk’ comfort. I appreciate the role of CCCC in helping our denomination provide an essential and important service with a robust quality pension plan. I would gladly recommend it to others.

Member Stories

Find out more

To find out more about the Plan:

Download Pension Brochure

Contact CCCC to receive more information and explore the plan further with a CCCC staff member.

We will contact you to discuss the plan, answer any questions you have, and provide information about next steps should you be interested in joining the Plan.

Alternatively, you may find more information on our website at About The Plan & How to Join

If you are already part of the CCCC Multi-Employer Pension Plan, you may find more information as follows:

Employers (Administrators)

Employees (Members)

Pension Portal for Contributions