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

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

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

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

Our 401(k) Maneuver 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 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)

One Billion +

Assets Under Management

470 +

Companies Utilizing Maneuver

18

Years in Business

473

Payroll Integrations

A Simple Solution to Your 401(k) 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) 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) 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) 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.

Benchmark Plan Quality

We can deliver an updated benchmark quarterly by email, so you have it on file for fiduciary oversight without wasting time in unnecessary meetings.

Industry Leaders Helping Support Your Financial Confidence.

Fiduciary Protection

Empower is the second-largest retirement services provider in the U.S. by participant count, managing around $1.8 trillion in assets for over 19 million individuals through workplace plans like 401(k)s, 403(b) and 457 plans. 

Legal Compliance

The Finway Group (a US retirement plan TPA) administers over 900 plans, serving more than 60,000 Americans with over $3.0 billion in assets, focusing on 401(k)s and fiduciary services for advisors and businesses.

Investment Manager

Bryn Mawr Trust (BMT), a wealth management division of WSFS Bank, manages significant assets, with WSFS reporting over $92 billion in total assets under management/administration as of mid-2025

Get a Complimentary 401k Benchmark

See how your current 401(k) compares to a Pooled Employer Plan (PEP) — at no cost.

What the Benchmark Covers

  • Total plan costs (administration, audit, investments)

  • Administrative responsibilities and time burden

  • Fiduciary liability and Form 5500 responsibility

  • Audit requirements under a PEP structure

If nothing else, you’ll have a documented benchmark on file for compliance and investment committee purposes.

What We Need to Run the Benchmark

You don’t need to upload anything right now. We’ll simply ask for these items during the review:

  1. Master Plan Document
  2. Summary Plan Description (SPD)
  3. Adoption Agreement
  4. 404(a)(5) Fee Disclosure
  5. 408(b)(2) Service Provider Fee Disclosure

These are standard documents you already receive as a plan sponsor.