Documents, Forms, and Resources

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Documents, Forms, and Resources

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**Electronic Contributions Required as of 2017**

Fidelity's Simplified Contribution Platform (SCP) makes contributing easy

We are excited to offer you access to a secure and easy way to submit your plan contributions to Fidelity. The new online contribution processing has been implemented as a more user-friendly alternative to the Plan Sponsor Webstation (PSW) process that you are using today.

Do you make the contributions into the retirement plan of your synagogue's cantor? Request to be a 'New User' Fidelity’s Simplified Contribution Platform

Not sure which staff member should be making the contributions? It tends to be the executive director, bookkeeper or accountant, or finance director. Often the same person who does payroll submits retirement plan contributions. 

You can request to be a SCP user by:

  1. Selecting  'New User' below the login fields. You will need to know the codes for your account. Please contact us first!
  2. Filling in and submitting the form
  3. Once Approved you will receive two next steps emails, one from Fidelity and one from the retirement and groups administrator
  4. Once you have logged in to SCP successfully and updated your password, add a funding method right away as it takes Fidelity 10 business days to verify each new bank account added before it is available for use
  5. After the bank account is verified, enjoy the simple contribution process!
Fidelity Simplified Contribution Platform (SCP)
Simplified Contribution Platform Website https://contribution.appiancloud.com/suite/
Customer Service Hours 8AM-6PM EST
Customer Service Phone Number 1-800-917-4369
Customer Service Email SCPHelp@fmr.com
SCP User Manual User Manual
Plan Number 71280
SCP Division Code (required for New User form) Contact Retirement and Group Benefits Administrator for division code

Contact information for the Retirement and Group Benefits Administrator:

Call: 847-781-7800, ext 302 from 9:00AM to 5PM CST (Mon-Thurs), 9:00AM to 4PM CST (Friday)

Fax: 847-781-7801

Email: retirement@accantors.org


IRS Contribution limits

Section 415 of the Internal Revenue Code provides for dollar limitations on benefits and contributions under qualified retirement plans. Section 415(d) requires that the Secretary of the Treasury annually adjust these limits for cost‑of‑living increases. Other limitations applicable to deferred compensation plans are also affected by these adjustments under Section 415. Under Section 415(d), the adjustments are to be made pursuant to adjustment procedures which are similar to those used to adjust benefit amounts under Section 215(i)(2)(A) of the Social Security Act.

Should you choose to exceed the limits the excess should be deposited into your non-qualified Supplemental Plan account by your employer.

Retirement Plan Limits 2021

Under 50 years of age:

Elective Deferral or Salary Deferral Contributions $19,500 or 100% of the participant's taxable salary*, whichever is less.

Annual Maximum Employer Contribution $58,000, may include up to $19,500 of individual salary deferral contributions, or 100% of the participant's taxable salary*, whichever is less.

Those aged 50 years of age and older:

Additional Catch-up Contribution $6,500 in addition to the basic limit on salary deferrals for a $26,000 total limit to salary deferral contributions or 100% of the participant's taxable salary*, whichever is less.                   

Annual Maximum Employer Contribution $64,500, may include up to $26,000 of individual salary deferral contributions, or 100% of the participant's taxable salary*, whichever is less.

*For clergy, taxable compensation excludes parsonage; for non-clergy, taxable compensation is your salary.


 

Forms and Documents

ACC Participating Employer Adoption Agreement - fill out when first hiring a ACC Cantor.

ACC Retirement Plan Enrollment Guide - for all participants, congregations and financial advisors; includes investment options and commonly asked questions

SCP User Manual - instructions on how to add a funding source, make a contribution and more

IRS Elective Deferral Rules - a brief description of responsibilities, rules, and regulations from the IRS (check out the last section of the page titled "When must the plan sponsor send elective deferrals to the vendor?")

Contributions Calculation Form - for all contributing participants, to be completed each year and returned to the ACC office by email, mail or fax by November 30th of every year

Contributions Tracking Worksheet - for congregations to keep track of the contributions made to their cantor's Retirement Plan, especially helpful when salary deferrals are elected

71280 Retirement Plan Document

71280 Retirement Summary Plan Description

71281 Supplemental Plan Document

71281 Supplemental Summary Plan Description