I would not have thought that from your description, just FYI. There are churches that are not ruled by their congregations, but by their denominations instead (such churches have no say about who they hire or fire, because that is all done at the denominational or central church government level .. the RCC comes quickly to mind, as does the Episcopal church).
I don't know of any Baptist denominations that take that approach however, and if this church that your family attends is independent of a denomination, then it sounds like a cult to me (at first blush anyway).
Is their church an independent Baptist church, and if it isn't, which denomination is it a part of?
Maybe you should ask a few more questions about what's really going on in your family's church (to get a better/fuller picture)?
Thanks!
--David
p.s. - just FYI, I've provided retirement packages to all of my full-time employees over the years, but that doesn't mean that I am unable to fire them. Likewise, we provide benefits (including retirement) to all who are in the pastorate at my church (as well to our other full-time employees), but we can, as a congregation, choose to fire them nevertheless (if we ever deem it necessary to do so).