What If 80% of Your 401k or 403b Work Simply Went Away?

PEP plans shift the burden, the risk, and the paperwork off your desk

Typical 401(k) – 403(b) vs. Our PEP: Who Does What?

See how much responsibility (and liability) you can transfer to us.

Our 401(k) - 403 (b) PEP

  • Upload Payroll Files*
  • Year-end Data Collection*

That’s it! We handle everything else.

*With one of our 473 payroll integrations, we can automate these services too.

Typical 401k - 403b Plan

  • Overall Plan Compliance
  • Document Compliance
  • Mandatory Interim Reinstatements
  • IRS Form 5500
  • Plan Audits (estimated at 15K plus annually)
  • All Annual & Required Notices
  • Recordkeeping Emails Daily
  • Eligibility Tracking & New Hire Tracking
  • Respond To All Participant Inquiries
  • Year End Testing

⚠️ You’re responsible for all of this and more (and liable if something goes wrong)

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$932 Billion +

Assets Under Management

254,100 +

Retirement Plans Served

45

Years of Experience

450+

Payroll Integrations

A Simple Solution to Your 401(k) or 403 (b) Problems

Our Pooled Employer Plan is designed specifically for businesses like yours. We handle the complexity so you can focus on running your business.

What is a Pooled Employer Plan (PEP)?

A Pooled Employer Plan (PEP) is a type of 401(k) or 403 (b) retirement plan created by the SECURE Act 2.0 implemented in 2021 that allows multiple unrelated employers to participate in a single plan managed by a Pooled Plan Provider (PPP).

Think of it as a “401(k) or 403 (b) co-op” where small and mid-sized businesses pool their resources to access the same benefits, pricing, and professional management that large corporations enjoy.

  • Lower Costs: Save 20-40% through economies of scale
  • Less Work: We handle all administration and compliance
  • Lower Risk: Transfer most fiduciary liability to us
  • No Audit: Eliminate the costly annual plan audit

A modern 401(k)  – 403 (b) solution designed to remove complexity, not add to it.

Reduce Admin Burden

Stop spending hours every month on plan maintenance, compliance testing, and employee questions.

Offload Fiduciary Responsibility

Stop signing the 5500. Shift most fiduciary liability to a professional pooled plan structure designed for compliance.

Simplify Compliance (Including Audit Relief)

Less paperwork. Fewer requirements. Eliminate the annual audit, saving thousands and dozens of hours.

Avoid Costly Surprises

Clear roles. Clear responsibilities. No more guessing on Form 5500 filings, annual notices, eligibility tracking, or year-end testing.

Improve Employee Experience

Employees get a modern retirement plan with streamlined support and investment oversight.

Technology-Fueled Service

We blend technology with human expertise to provide the highest levels of service, so you and your employees feel confident and secure.

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