Annual Compensation Reports

2026 ACR Submissions

• Ministries with four or fewer workers should receive paper ACR forms by mail in early November.
• A majority of ministries with five or more workers should receive an email in mid-November with instructions to register for ACR Online. 

• If you haven’t received paper form or email to register – please contact us. 
• Ministries with five or more workers can reach out to their Account Manager to become a verified contact.

If you are reporting compensation for a multiple parish arrangement, special rules apply. Only the “contact congregation” is required to report compensation. Click here for more information.

Eligibility for participation in the retirement and disability plans

Plan provisions require any worker, regardless of age, gender, occupation or faith, who is customarily employed more than 20 hours per week and more than five consecutive months be enrolled in the Concordia Retirement Plan and Concordia Disability & Survivor Plan. A worker meeting this criteria is also eligible for the Concordia Retirement Savings Plan 403(b), if you offer this plan, and may be eligible for the Concordia Health Plan, depending on your organization’s hour’s declaration for eligibility. These provisions apply to all workers—pastors, teachers and preschool teachers, as well as day care workers, custodians, secretaries, cafeteria workers and other occupations. 

• Annual Compensation Reporting of Participating Workers Frequently Asked Questions
• Annual Compensation Reporting For Participating Workers
• Annual Compensation Reporting for Dual or Multiple Parish
• ACR Online Tool User Guide