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  401(k) Plan

Newly-hired benefit eligible lay employees hired at locations participating in the RCAB 401(k) Plan are automatically enrolled in the 401(k) Plan with a 3% pre-tax deferral if no election is made within 45 days from the date of hire (sample Notice of Automatic Enrollment). Employees can opt out of auto-enrollment and request a contribution amount other than 3%.  Contributions can be made on a pre-tax or Roth after-tax basis and can be a percentage of pay or a specific dollar amount per pay period by completing a RCAB 401(k) Plan Salary Deferral and Waiver form and returning it to their location’s payroll contact.  TIAA mails welcome packets to new enrollees within 10 days of the first deferral being deposited with TIAA.

Eligible employees who are not newly hired are also able to defer compensation into the 401(k) Plan and can stop, start or change the amounts deferred with any pay period. Basic information regarding the Plan is available in English, Spanish, and Portuguese.

The 401(k) Plan’s employer matching contribution is 100% of the first 3% contributed plus 50% of the next 2% contributed, for a maximum of 4% for employees who contribute at least 5% of their eligible wages. A chart of Plan highlights is available in English, Spanish, and Portuguese.

Diocesan priests and those incardinated to the Boston Archdiocese are also eligible to participate in the 401(k) Plan.  The same matching contribution applies to priests that applies to lay employees.  Review these Plan Highlights for Priests to learn more.

Free virtual financial counseling sessions are available from TIAA. Search for available appointments or watch for periodic emails from the Benefits Office with specific dates. See The Plan's current investment options.

You can log in to your TIAA account at www.tiaa.org to review and change your investment options and to designate a beneficiary.  For questions about your 401(k) account, please contact the Benefits Office at 617-746-5640 or benefits@rcab.org, or TIAA at 1-800-842-2776.


RCAB 401(k) Plan Annual Safe Harbor Notice (2021)
RCAB 401(k) Plan Annual Automatic Enrollment Notice (2021)

RCAB Salary Deferral Form + Waiver Form
RCAB Salary Deferral Form + Waiver Form – Portuguese
RCAB Salary Deferral Form + Waiver Form – Spanish

Meet With a TIAA Financial Consultant

Financial Planning Tools

RCAB 401(k) Plan Overview


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