Pensions

The Baptist Pension Scheme (BPS) is a Defined Contribution (DC) pension scheme open to Ministers and staff of Baptist churches and related organisations.

The Pensions Team

Helen Lukies and Amy Green serve as Joint Pensions Managers of the BPS. Helen and Amy oversee the day-today management of the BPS, supporting churches, ministers and members with guidance and regulatory compliance. They are committed to providing clear and practical support, ensuring that pension matters are handled with professionalism and care. 

Helen and Amy can be contacted by email at: pensionshared@baptist.org.uk.
 

Broadstone – the BPS administrators 

Our experienced administrators at Broadstone are your first point of contact for routine queries and support. They can be contacted at: 

Broadstone Consultants & Actuaries Ltd
23-25 St George’s Road
Bristol
BS1 5UU

Tel: 0117 937 8700 
Email: baptistpensions@broadstone.co.uk

The BPS website

The BPS has its own website for all members, churches and employers: https://www.baptistpensions.org.uk/. The website provides useful information about the BPS, including details of benefits, retirement options, and scheme updates. It also includes links to other useful resources to support members and churches with pension‑related matters.
 

Broadstone’s Engage Member Platform

Engage Members https://engage-members.broadstone.co.uk/  is a secure user-friendly online platform designed to help members monitor and manage their pension more effectively. Members can:

• View contributions and fund performance
• Use tools to model pension outcomes
• Set or update their Target Retirement Age
• Nominate beneficiaries and update Expression of Wish forms
• Update personal details
• Message the administration team securely with any questions 
•  

Broadstone’s 4mystaff employer portal 

4mystaff  is a secure platform designed for employers in the BPS. Churches can: 

• Change details for employer contacts and any contributing members
• Make changes to bank account details 
• Add dates for Ministers/Staff leaving service or retiring
• Make changes to pensionable income e.g. changing to part time, or a pay increase including the date from which the change will take effect
• Change the church name as a result of a CIO conversion or amalgamation
• Notify Broadstone where a BPS member has been off work due to illness or injury for 4 weeks or more, or if there is a possibility they will be, e.g. a scheduled operation.

Wind Up of the BPS Defined Benefit (DB) Plan 

The Trustee of the BPS entered into an agreement with the insurance company Just Retirement Limited (Just) in 2022 to secure DB Plan members' benefits. The DB Plan has now been closed, (also known as being ‘wound up’). The winding-up process started on 31 March 2024 and finished in June 2025. The BPS is now run as a DC Plan.

In November 2024 DB Plan benefits transferred over to Just and members were provided with welcome packs and individual policies. Just are now responsible for the administration and payment of the DB Plan members' pensions.

If you have any questions regarding your DB pension please contact Just.

 

Cessation Events 

For many years, employers in the DB Plan needed to inform the Pensions Team if they were expecting to experience a 'cessation event' (broadly, when an employer ceases to have active members in the Scheme's DC Plan). 
After wind-up was triggered in March 2024, the previous cessation event regime fell away and DB Plan employers were released from this commitment with effect from 31 October 2024. Employers no longer need to tell the Pensions Team about potential cessation events.

Amalgamations and conversions to a Charitable Incorporated Organisation (CIO)

Following the DB Plan wind-up, employers may convert to a CIO or amalgamate with another church without any need to involve the Pensions Team in the process.  However, please inform us once your CIO conversion or amalgamation has completed and advise us of any name changes.
If you change your bank account details and have any direct debits set up with Broadstone, you should inform them of your new account details.  Contact details can be found here.

Church Accounts and Pensions

Following discussions between the Trustee of the BPS and the Baptist Union of Great Britian, (BUGB) it was agreed that BUGB will now take the lead in assisting and guiding churches and organisations in preparing information required in their annual accounts. You should refer to the process set out on BUGB’s website, which can be accessed here. 

Please use this link to access the F03 Leaflet: Guidelines on Charity Accounts with Income over £250,000.