If you run a business and want to offer employees a retirement plan without drowning in paperwork, compliance risk, and escalating fees, a Pooled Employer Plan may be exactly what you need. But who can actually join one? The short answer is that virtually any U.S. employer eligible to sponsor a 401(k) plan can participate, Read More…
Key Takeaways A Pooled Employer Plan (PEP) is a 401(k) structure created by the SECURE Act of 2019 that allows multiple unrelated employers to participate in one professionally managed retirement plan. Each adopting employer signs its own Adoption Agreement and can choose its plan provisions, including matching formulas, eligibility rules, and vesting schedules. This is Read More…
Retirement plan access has long been a challenge for small and midsize employers. The Pooled Plan Provider model, introduced through the SECURE Act, is reshaping how these businesses offer workplace retirement savings options. This guide breaks down everything employers and advisors need to know about Pooled Plan Providers, their regulatory obligations, and how to evaluate Read More…
If you run a business and are comparing a Pooled Employer Plan with a traditional 401(k), the decision is less about giving up control and more about deciding who should carry the administrative and fiduciary workload. A well-structured Pooled Employer Plan can reduce the responsibilities handled internally while still giving an Adopting Employer meaningful flexibility Read More…
If you are a business owner or HR leader looking for a smarter way to offer a 401(k) plan, you have likely heard the term “Pooled Employer Plan” more than once in recent years. These plans have quickly become one of the most talked-about developments in the retirement industry, and for good reason. They promise Read More…
