The Board of Pensions of the Presbyterian Church (U.S.A.)

Name

The Board of Pensions of the Presbyterian Church (U.S.A.)

Legal name

The Board of Pensions of the Presbyterian Church (U.S.A.)

Website

https://pensions.org

Company type

Private

Founded year

1717

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Denominational Benefits Administration

NAICS

Pension Funds (525110), Health and Welfare Funds (52512), Grantmaking and Giving Services (81321)

SIC

Hospital & Medical Service Plans (6324), Services-Social Services (8300)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Benefits Administration (BPACAPAC)

Keywords

• Church benefits administration
• Pension plan management
• Denominational health benefits
• Retirement savings plans
• Minister wellness programs

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Employer Dues/Contributions: PC(USA) congregations and affiliated employers pay dues to the Board of Pensions to provide benefits coverage for their employees and ministers. Dues are updated annually and are based on effective salary calculations.
2. Defined Benefit Pension Plan: The organization administers a Defined Benefit Pension Plan providing monthly income throughout retirement. Pension credits accrue based on years of service and effective salary.
3. Retirement Savings Plan Administration: The 403(b)(9) retirement savings plan is administered in partnership with Fidelity Investments, allowing employees to participate and save for retirement.
4. Assistance Program Donations: The Assistance Program is supported through generous donations, including the Christmas Joy Offering. 100% of each gift received is used to directly support active and retired members. In 2025, approximately $8 million was distributed through 1,555 grants.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

The Board of Pensions administers the Benefits Plan of the Presbyterian Church (U.S.A.), providing comprehensive medical, dental, vision, retirement (defined benefit pension and 403(b)(9) savings), death and disability, and flexible spending benefits to more than 60,000 PC(USA) ministers, employees, and retirees. It supplements core benefits with a holistic well-being ecosystem (Call to Health, Lifelong Learning, access to EAP via Spring Health, care navigation via Quantum Health) and need-based grants through the Assistance Program.

Product overview

The Board of Pensions offers the Benefits Plan of the Presbyterian Church (U.S.A.), a comprehensive benefits ecosystem serving more than 60,000 individuals through PC(USA) congregations, agencies, mid councils, and affiliated employers. The core offering consists of medical plans (PPO, EPO, HDHP) with integrated care navigation through Quantum Health and mental health/EAP services via Spring Health, retirement benefits including a Defined Benefit Pension Plan and 403(b)(9) Retirement Savings Plan administered by Fidelity, dental and vision coverage, death and disability benefits, and flexible spending accounts. The portfolio extends to well-being programming including Call to Health (2026: hosted on WebMD ONE) and Lifelong Learning education programs. Financial assistance is provided through the Assistance Program offering 11 distinct grants including adoption assistance ($9,000/child), emergency assistance, housing/income supplements for retirees, child care support ($500/child up to $1,500/month), minister debt relief (up to $10,000), educational debt assistance (up to $25,000), clergy wellness support (up to $5,000), and sabbath sabbatical support (up to $10,000). Benefits are accessible through the Benefits Connect online portal. The organization provides specialized packages for congregational pastors (Congregational Pastors Package), covenant ministers, and transitional pastors (extended through 2029).

Differentiator

Problem solved

Functional benefit

Products and services

• Benefits Plan of the Presbyterian Church (U.S.A.) Comprehensive benefits package that includes medical, dental, vision, retirement, death and disability, and flexible spending accounts, available to PC(USA) congregations, agencies, mid councils, and affiliated employers.
• Medical Plan (PPO, EPO, HDHP) Three medical plan options providing medical coverage with care navigation through Quantum Health and integrated mental health services through Spring Health. Available to ministers and employees of participating employers.
• Defined Benefit Pension Plan Provides monthly income throughout retirement based on pension credit accruals. Included in the Congregational Pastors Package and Covenant Package; uses median effective salary for benefit calculations for members below median.
• Retirement Savings Plan 403(b)(9) retirement savings plan administered in partnership with Fidelity Investments. Available to all employees of participating employers with minimal employer administration. Plan #57887.
• Dental Plan Dental coverage including DMO Dental Benefits and standard Dental Plan options for Benefits Plan members.
• Vision Benefits Vision care benefits administered through VSP, with member reimbursement forms available for claim submissions.
• Death and Disability Benefits Death benefits and disability coverage including supplemental death benefits. Coverage continues upon retirement with limited benefits for those enrolled at retirement.
• Flexible Spending Accounts FSAs allowing employees to set aside pre-tax dollars for qualified healthcare and dependent care expenses.
• Benefits Connect Online portal for members and employers to manage benefits, view invoices, make payments, select benefits, update information, access secure messaging, estimate pension benefits, view Retirement Savings Plan accounts, and report life events.
• Call to Health Annual well-being program encouraging focus on wholeness in four areas: spiritual, health, financial, and vocational. Available to Medical Plan members enrolled in PPO, EPO, or HDHP. Participants qualify for reduced medical deductibles.
• Employee Assistance Plan (EAP) Mental health care navigation and EAP services provided by Spring Health starting January 1, 2025. Includes mental health care navigators, six no-cost clinical therapy sessions per year, coaching, crisis support, and management consultation services for employers.
• Quantum Health Care Navigation Care navigation service for PPO, EPO, and HDHP members providing personalized support with healthcare journey, provider location, precertification, claims questions, and clinical expertise. Care Coordinators available via phone, web portal, and mobile app.
• Assistance Program Need-based grants supported by donations including the Christmas Joy Offering. Distributed 1,555 grants totaling approximately $8 million in 2025. Includes 11 distinct grant opportunities for members, ministers, retirees, and surviving spouses.
• Adoption Assistance Grant of $9,000 per child provided at adoption completion to help with adoption-related expenses such as agency and attorney fees.
• Emergency Assistance One-time grant addressing emergency or unexpected needs. Groups of members affected by natural disasters may also qualify.
• Transition-to-College Assistance Helps eligible families of post-high school students with grants up to $3,000 for expenses such as computer purchases.
• Housing Supplements Ongoing supplements (unless financial circumstances change) helping eligible retirees and surviving spouses with costs of remaining in homes or moving to retirement/memory care facilities.
• Income Supplements Ongoing supplements (unless financial circumstances change) raising monthly income for eligible retirees and surviving spouses who had earned modest wages.
• Retiree Medical Grants Grants up to $2,500 reimbursing retirees, spouses, and surviving spouses age 65+ for dental services and/or hearing aids once every three years.
• Child Care Support $500 per child up to $1,500 per month per family for eligible PC(USA) congregational ministers and commissioned pastors with children ages 0-6 years. Effective April 2025.
• Minister Debt Relief Helps ministers pay down debt through financial planning and grants up to $10,000.
• Minister Educational Debt Assistance Helps eligible ministers repay educational debt through student loan debt coaching and grants up to $25,000.
• Clergy Wellness Support Assists eligible ministers with respite and vocational support, providing up to $5,000 for program and travel fees.
• Sabbath Sabbatical Support Provides eligible ministers up to $10,000 to engage in planned activities for personal and professional renewal.
• Employee Vocation Program Grants providing educational debt relief up to $25,000 to eligible members employed by PC(USA)-affiliated employers including seminaries, colleges, camps, retirement communities, and human services organizations.
• Lifelong Learning Education programs supporting holistic well-being at different stages of life through online and in-person offerings led by expert educators. Includes Beginning Anew: Finding Wholeness in Retirement, Retirement Conversations, and THRIVE seminars.
• Congregational Pastors Package Dues package for congregational pastors including Defined Benefit Pension Plan and death and disability coverage. Enhanced for 2027 with additional dues subsidy covering 50% of dependent child medical coverage costs.
• Covenant Package Benefits package for ministers including Defined Benefit Pension Plan and EAP without medical coverage option.
• Transitional Pastor's Participation Benefits program for transitional pastors, extended through 2029. Allows ministers to maintain benefits continuity during position transitions.
• Humana Group Medicare Advantage PPO Plan Group Medicare Advantage PPO plan for retired members age 65+ with no monthly subscription rate. Plan will no longer be offered after 2026.

Quantifiable outcome

• More than 60,000 individuals served through the Benefits Plan
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• Spring HealthcoreTechnology or Integration · 1 January 2025Spring Health replaced Cigna as the Employee Assistance Plan (EAP) provider starting January 1, 2025. Spring Health offers expanded provider network, mental health care navigation, and EAP services including six no-cost therapy sessions per year, certified coaches, and crisis support.
• Highmark Blue Cross Blue ShieldcoreTechnology or Integration · 1 January 2025Partnership with Highmark BCBS provides ongoing outpatient care and higher level of treatment for Medical Plan members. Spring Health's partnership with Highmark BCBS adds approximately 10,000 more providers to the Medical Plan's network.
• Quantum HealthcoreTechnology or IntegrationQuantum Health provides care navigation for members enrolled in PPO, EPO, or HDHP medical options. Care Coordinators help members navigate healthcare, verify covered services, locate network providers, precertify care, and connect with Board of Pensions benefits. Available Monday through Friday, 8:30 a.m. to 10 p.m. ET at 855-497-1237.
• WebMD HealthcoreTechnology or IntegrationWebMD ONE platform powers the Call to Health well-being program starting January 2, 2026, offering personalized health journey with dashboard, goals, trackers, team challenges, community forums, and build-your-own quests. Accessible via browser or Wellness At Your Side app.
• Fidelity InvestmentscoreTechnology or IntegrationFidelity Investments administers the Retirement Savings Plan (403(b)(9)) providing complimentary consultations through workplace financial consultants. Members can access Fidelity NetBenefits to review accounts and plan for retirement.
• HumanacoreTechnology or IntegrationHumana Group Medicare Advantage PPO plan is offered to retired members age 65 or older. Note: In 2027, the Board will no longer offer the Humana Group Medicare Advantage PPO plan as the post-retirement medical plan.
• TeladocsupportingTechnology or IntegrationTeladoc provides 24/7 telemedicine consultations by phone, video, or mobile app through U.S. board-certified physicians for medical issue diagnosis and treatment.
• Express ScriptssupportingTechnology or IntegrationExpress Scripts handles prescription drug refills, shipping medications to temporary addresses for members displaced by natural disasters or crises.
• Presbyterian Church (U.S.A.) World MissionsupportingStrategic or Co-development PartnerPartnership with PC(USA) World Mission office enabled the Board to fulfill its commitment to disburse pension funds to 44 Cuban Presbyterian pensioners affected by the 1960 U.S. embargo, through engagement with the Cuba Partners Network.
• Cuba Partners NetworksupportingStrategic or Co-development PartnerThe Cuba Partners Network helped Finance team members connect directly with individuals associated with pensioners and beneficiaries in Cuba, clarifying documentation requirements and overcoming verification and infrastructure barriers.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Concordia Plan Services: The health and welfare benefits provider for The Lutheran Church—Missouri Synod and its affiliated ministries. Comparable as a denominational benefits plan administering health, retirement, and assistance benefits to LCMS ministers and lay workers.
• Evangelical Covenant Church Pension Plan: Provides retirement benefits for ordained ministers and church staff of the Evangelical Covenant Church. Comparable as a smaller mainline/evangelical denominational pension administrator with similar mission-driven clergy benefits.
• Wespath Benefits and Investments: The pension, health, and welfare benefits administrator for The United Methodist Church, managing billions in pension assets and providing health benefits to UMC clergy and lay employees. Directly comparable as a denominational benefits organization serving mainline Protestant clergy.
• Portico Benefit Services: The benefits administrator for the Evangelical Lutheran Church in America, providing health, retirement, and disability benefits to ELCA clergy and rostered leaders. Comparable as a mainline Lutheran denominational benefits plan with holistic clergy well-being focus.
• Ministers and Missionaries Benefit Board (MMBB): The retirement and benefits organization serving American Baptist Churches USA ministers, staff, and their affiliated employers. Comparable as a Baptist denominational benefits administrator offering retirement, health, and assistance programs.
• Church Pension Group: The denominational pension and benefits administrator for The Episcopal Church, providing pension, health, and welfare benefits to clergy and lay employees. Closely comparable to the Board of Pensions as a faith-based, denominational benefits agency administering defined benefit pensions and integrated health coverage.
• Christian Church (Disciples of Christ) Pension Fund: The denominational pension fund providing retirement benefits to ordained ministers and lay employees of the Christian Church (Disciples of Christ). Comparable as a small mainline Protestant denominational pension administrator.

Regional players

• Anglican Church of Canada - Pension Office: Administers the Anglican Church of Canada pension and benefits plans for clergy and lay employees across Canada. Comparable as a Reformed/Anglican denominational pension office serving a similar clergy population in a different geography.

Broad incumbents

• TIAA (Teachers Insurance and Annuity Association): A large-scale nonprofit retirement and investment organization serving academic, nonprofit, and healthcare employers. Comparable as a nonprofit entity specializing in retirement plan administration and annuity provision for mission-driven employers, including religious and educational institutions.

Others

• The Church Alliance: A consortium of 37 denominational pension plans providing group insurance and risk-pooling benefits to clergy and church workers. Comparable as an enabling ecosystem organization that aggregates denominational pension plans for shared benefits purchasing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCC3-985jrpUiUfZ27p3PEug
• Facebookfacebook.com/boardofpensions
• LinkedInlinkedin.com/company/board-of-pensions-of-the-presbyterian-church
• Xx.com/BoardofPensions

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Board of Pensions of the Presbyterian Church (U.S.A.)