We have a wonderful music director at our church and he is also a very good pianist and organist, although our church does employ an organist/pianist, so that the music director can direct the choir and handbells. Many members of the congregation, including my husband, will participate when asked doing percussion.
Although we don't have a contemporary service any longer, we do have the band and they participate frequently in worship, They have a couple of guitarists, drummer and vocalists.
And there is an instrumental ensemble made up of many in the congregation who enjoy picking up their instruments and participating in worship. They play once/month.