Annual Compensation Reports

2027 ACR Submissions

• Ministries with four or fewer workers will be sent paper ACR forms by mail in November.
• Most ministries with five or more workers have access to ACR Online.

Eligibility for participation in the retirement and disability plans

A worker whose customary employment is more than 20 hours per week and more than five consecutive months is generally eligible to participate in the Concordia Plans. Eligibility requirements vary by plan. Workers age 21 or older who meet these requirements must be enrolled in the Concordia Retirement Plan, and all eligible workers must be enrolled in the Concordia Disability & Survivor Plan, regardless of age. Concordia Health Plan eligibility is based on your organization’s designated number of working hours.

Timely and accurate reporting of eligible workers and their annual compensation helps ensure accurate plan contributions and benefits. Not reporting eligible workers or accurate compensation can cause adverse financial consequences for the employer and/or the worker. Please make sure eligible workers are enrolled and their compensation is reported annually.

For more information about plan eligibility requirements, see the Benefits Administration Guide at ConcordiaPlans.org/AdminGuide.

• 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