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non-electing church plans

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Am relatively new to church plans. From what I've read so far, I believe that non-electing church plans do not need to have a plan document unless they are including 403(b)(9) provisions in their operations? Is this correct?

Secondly, since non-electing church plans are exempt from ERISA, plan sponsors can perform discretionary functions such as approving loans, determining eligibility for hardships, etc. without subjecting the plans to ERISA. Is that correct?

Lastly, if plan documents are not required, what do you recommend we receive so that we'll know the operative provisions of the "program', e.g., if ROTH and/ or employer contributions are permiitted?

Thanks for your input.

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