Michigan Catholic Conference 403(b) Retirement Savings Plan

Update: Prudential Retirement has been acquired by Empower, the second-largest retirement services provider in the United States. It will take several months for the transition from Prudential to Empower to complete. During the transition period, you will continue to see the name “Prudential” on forms for the MCC 403(b) Retirement Savings Plan. You will see the Empower logo when you access your account and on 403(b) communications.

For those who are already participating in the MCC 403(b) Retirement Savings Plan, you will receive communications on the transition. In the meantime, you can continue with the same

  • Website and login credentials
  • Online account access and web-based transactions
  • Customer support phone number
  • Mobile app

Retirement security is one of the most critical issues Americans face today. We are living longer than ever and most Americans are not saving enough to retire. You don’t need to do it alone.

Michigan Catholic Conference offers a 403(b) Retirement Savings Plan to help you achieve your retirement savings goals through:

For more information, please contact your Diocesan Fiscal Manager, Empower at (877) 778-2100, or the Michigan Catholic Conference Benefits Department at (800) 395-5565 or via email at benefits@micatholic.org.


All active employees of participating units are eligible to enroll, regardless of number of hours worked. There is no waiting period and anyone can sign up at any time.

By registering on the Empower website you may enroll in, change deferral elections, select investment options, and name a beneficiary or beneficiaries for your 403(b) benefit.

Annual Limits

Limits include pre-tax plus Roth contributions.

Plan Year Annual Contribution Limit Additional Catch-Up Contribution Total Annual Contribution
2023 $22,500 $7,500 $30,000
2022 $20,500 $6,500 $27,000

How to Enroll

Enrolling online is easy. You can enroll online or by telephone:

In addition to personal information, you will need a Plan Number, which is 008147 and a Sub Plan Number:

Employer Sub Plan Number
Archdiocese of Detroit 000001
Diocese of Grand Rapids 000002
Diocese of Saginaw 000003
Diocese of Marquette 000004
Diocese of Lansing 000005
Michigan Catholic Conference 000006
Diocese of Gaylord 000007
Diocese of Kalamazoo 000008
Non-Diocesan 000009

Be sure to complete your enrollment and beneficiary designation on line. If you need assistance with this, please contact Empower.

If you want to talk with someone:

Empower can help you to enroll, with service requests or answer any questions you have regarding the plan.

Call Empower's® Automated Telephone System: (877) 778-2100

Hours: Monday through Friday 8 a.m. to 9 p.m. Eastern Time

When prompted to say what you want, you can wait until the operator goes through the options and then say "It's something else" to get a live person.

If you need investment advice:

Empower’s Retirement Counselors are available to provide you with personal assistance. Simply call (877) 778-2100 and say “Retirement Counselor” at the prompt.

Retirement Counselors’ Hours: Monday through Friday, 8 a.m. to 6 p.m. Eastern time.

Enrollment and Plan Information



Financial Health

Regardless of age, retirement planning is one of the most important issues facing Americans today. While the MCC established the Lay Employees’ Retirement Plan in 1966 to provide a retirement program for lay employees of participating parishes and schools, the Conference also encourages employees to investigate other options that will help plan for retirement.

According to the Employee Benefit Research Institute, 43% of American workers have less than $10,000 in retirement savings, and yet only 46% of Americans have tried to calculate what should be saved for retirement.

Here are some resources that may help plan for retirement.

Since January 1, 2009, Empower has administered the 403(b) plan for all qualifying Catholic entities and eligible employees. Empower has a long tradition of proven experience, exceptional service, and excellence in managing retirement programs. They have also provided the following resources to help plan for retirement.